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The answer can vary widely based on a home's age and design. As with any type of remodeling project, assume that every structure is load-bearing until confirming otherwise with a structural engineer. Almost all modern homes have chimneys that are fully independent from the rest of the home's framing. As a result, they don't bear any load beyond their own weight. However, many historic homes built prior to the 1900s contain load-bearing chimneys that tie into the surrounding roof and floor joists. If possible, use a home's blueprints or look for chimney connections that indicate load-bearing qualities to get your answer.

Some of the most common chimney problems include:

• Creosote buildup

• Chimney blockage

• Deteriorating brickwork or stonework

• Cracked chimney top

• Damaged flashing

• Flue liner damage or deterioration

• Damaged chimney cap

If you suspect you have a chimney problem, contact a masonry contractor for an inspection. 

Although no heating appliance can be entirely risk-free, a fireplace insert is considered a safer alternative to a traditional open fireplace, thanks to their enclosed design. With a sealed combustion chamber, a fireplace insert effectively reduces the risk of sparks and embers escaping into the room, minimizing the chance of an accidental fire.

Additionally, an insert comes equipped with various safety features, such as tempered glass doors that create a barrier between the flames and the surrounding space. This enhances both safety and energy efficiency by preventing heat loss. As an added bonus, many inserts are designed to meet strict safety standards that ensure proper ventilation and combustion.

Professionals sweep chimneys and clear obstructions, using specialized rods and cameras to ensure safety and condition monitoring.