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Ideally, your chimney cap should be at least 8 inches above the top of the flue, though it's better if it's even higher. You want it to sit that high because it won't affect the chimney's draft, which pulls the smoke up and out of your chimney and away from your home.

Stoves provide efficient heating, reduce energy costs, and add ambiance to living spaces.

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.

The best style of chimney cap for a brick chimney is one that fits tightly around the brick top of the chimney. The cap should have a screen to fully enclose it to keep animals out. The best materials include stainless steel, copper, or aluminum that fit tightly or are custom fabricated for a perfect fit on your chimney.