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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, you can use an existing chimney with a wood-burning stove if it meets specific requirements. The stove’s vent pipe size must be compatible with the size of your chimney flue. Your contractor can tell you whether your chimney is suitable for installation.

Chimney caps may be installed by a few different professionals, including a chimney sweep or a mason that specializes in fireplaces and chimneys. A gas fireplace technician is the best person to install a chimney cap on a gas log fireplace vent to be sure the cap is appropriate for the application.

There isn’t a way to convert electric fireplaces easily or cheaply to gas. The process requires major renovations, as opposed to wood fireplaces, which are often already vented and have space for the gas-burning equipment. To convert an electric fireplace to gas, you’d need to remove your old fireplace and get a completely new install.