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How often a chimney really needs inspection
The standard answer is annually, and the standard answer is right for chimneys in regular use. The honest version has more texture, and matching the schedule to your actual use saves money in both directions: no skipped inspections that grow into rebuilds, and no paying to inspect a flue nothing has touched.
By how you burn
Regular burners, most winter evenings, want the annual Level 1 with a sweep, late summer before the season. Occasional burners, a dozen fires a year, want annual eyes on it but often convert the sweep to an inspection when the flue turns up clean, at the inspection price. Never- burners still own weather-exposed masonry, and a look every few years at the crown, cap, and joints is what keeps small repairs small.
The event triggers
Outside any schedule, specific events call for a Level 2 camera inspection regardless of the calendar: buying or selling the home, any flue fire including the small scary one that seemed fine, a felt earthquake, a tree strike or serious storm hit, and any change of appliance or fuel, like adding a gas insert. Events damage flues invisibly, and the camera is the only witness.
Common questions
Does an unused fireplace really need inspection?
The flue does not wear, but the chimney weathers regardless. Crown, cap, and joint condition drive the schedule for never-burners, and every few years covers it.
What does a Level 2 add over a Level 1?
A full camera scan of the flue interior plus accessible concealed areas. Level 1 covers what eyes reach; Level 2 covers what they cannot, which is where event damage hides.