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Yes, you should seal and cap an unused chimney to protect it from damage. Sealing the structure helps prevent moisture damage, which can lead to issues like cracks, spalling, efflorescence, and damaged mortar joints. Capping the chimney is also crucial to prevent blockages, damage from invasive critters, and downdrafts, while still allowing for proper air ventilation to manage moisture. For the best results, consult a chimney professional to select the right type of chimney or flue cap for your home. It's also wise to continue with annual chimney inspections to maintain the structure's integrity.

Homeowners insurance may cover chimney leaks, repairs, or replacement, but coverage depends on the cause of the damage. If the chimney is damaged by a sudden, covered peril like a lightning strike, storm, hail, fallen tree, or an unexpected fire, your policy is likely to cover the costs. However, insurance generally does not cover damage resulting from normal wear and tear, old age, or a lack of proper maintenance, such as failing to perform regular cleanings and inspections. If a fire or other damage is caused by a known issue you didn't address, the claim may be denied. Additionally, some policies may have specific exclusions for events like high winds or earthquakes.

Yes, it’s possible to install a wood-burning stove through the wall. The process is similar to venting the stove through the ceiling, but you’ll need to be careful of electrical wiring, plumbing, studs, and other potential obstructions in your walls. If you’re not comfortable with this type of work, call a professional who installs wood-burning stoves.

You may have some limitations when looking for materials and a design to reface your gas fireplace versus what’s available for a traditional wood-burning fireplace. Some gas fireplace surround ideas include stone, concrete, brick, tile, wood, steel, and plaster. However, you should check with the manufacturer of your gas fireplace model to determine if you have any limitations on what you can use.