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Yes, removing a chimney is a difficult and major undertaking. Chimneys often provide structural support to a home, so if it's a load-bearing structure, you'll need to take extra precautions to maintain your home's integrity. A project of this complexity typically requires a structural engineer, a masonry contractor, and a demolition crew. The removal process may involve taking the chimney out brick by brick from inside the walls. The cost for chimney removal can range from $2,000 to $10,000, depending on the job's complexity. Due to the difficulty and cost, some homeowners opt to remove the fireplace and seal the chimney at the top and bottom, sometimes also removing the visible exterior portion at the roofline.

Professional chimney cleaning, also known as chimney sweeping, typically costs between $130 and $400, with a national average of about $260. The final price depends on several factors, including the size and accessibility of your chimney, the number of chimneys being cleaned, and the type of chimney you have. A standard cleaning involves a chimney sweep scraping creosote, dirt, and other debris from the entire flue. Many professionals also include an inspection with this service, but the cost of any necessary repairs is typically extra. Additional services, such as installing a fireplace damper, will also increase the total cost. It is recommended to schedule a cleaning and inspection annually, preferably before you begin using your fireplace for the season, and to get price quotes from at least three companies to find the best deal.

The most common sign of a carbon monoxide leak is the visible black soot marks on the walls near your wood stove. An excess accumulation of smoke in other rooms of your home could also indicate that your wood burning stove is leaking carbon monoxide. If you notice either of these signs or are still unsure, it’s best to leave the premises and contact your fire department to check your home’s levels. 

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.