Homeowner's insurance issues
Last time I renewed my homeowner's insurance (which is 50% higher than it was 10 years ago) I asked about what makes my rates higher than average.
One thing was the wood roof. Not because it's a fire hazard, I was told, but because they cost more to replace than an asphalt roof.
This place has two fireplaces, one of which has been used a lot, the other one put in during the 60's and has never seen a fire. I've never lit a fire in either, largely because of concern about the wood roof even though I added chimney caps to prevent embers from escaping (and it keeps the rain and larger critters out too). But the insurance company didn't seem to care if there were one or two fireplaces, so I don't know if they affected the rates at all.
Seven fireplaces is a bit much, though, and I could see an insurer having some concerns about chimney fires, etc. Too bad they are not proactive enough to accept a chimney sweep's report as evidence that the chimneys are sound and not likely to start a fire.
I do know that when I shopped around for insurance a few years ago, some companies flatly refused to insure the home because of the wood roof. Their "policy". Understandable in light of the terrible Oakland Hills fire or 1991, but I'm not in the hills. Another insurer told me that the wood roof was raising my rates about $300/year (something I can't get my current insurer to divulge). Although I like the look of the wood roof, and it probably adds some insulating value against summer heat, I don't like its flammability and will probably replace it with asphalt when the time comes for a mandatory re-roofing. I figure that after 10 years that $300 will be about $3,000, still a lot less than what a new roof would cost...