Lightning can cause massive damage, fires, and openings for other threats like bugs or fungal diseases. Barring any large fires or explosions, it’s difficult to tell how much damage a lightning strike has done until after a thorough inspection. Contact local authorities immediately if lightning strikes a tree in your yard and it causes a fire or explosion.

Beyond having an inspection, it’s important to do chimney maintenance at least annually to be certain the chimney is safe to use. Cleaning the flue of any built-up particles, creosote, and soot reduces the risk of fire. Fortunately, the cost of hiring a pro to do a chimney inspection often includes a chimney cleaning, so you may not have an extra expense for maintenance.

Having a pellet stove can indeed raise your insurance rates since they're a relatively common cause of fires in the home. However, rate increases vary by insurance provider so you should reach out to yours to determine exactly how much your rates might increase with a new pellet stove install.

You should never block both the top and bottom of your chimney. Proper airflow is essential because the temperature inside the chimney will still fluctuate as your house warms and cools. Moisture can build up without ventilation, leading to dampness in your walls over time. Blocking the top prevents debris and animals from entering, but the chimney still needs air circulation to avoid condensation issues. Allowing the chimney to breathe maintains the health of your home and prevents long-term damage.