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Yes, a chimney cap is an excellent idea for several reasons. It prevents debris, rain, or snow from entering your chimney, which can cause moisture damage or blockages. A cap with a mesh screen also keeps animals like birds, squirrels, and bats from nesting in your chimney—or worse, getting into your abode. Additionally, chimney caps help prevent downdrafts, which can push smoke and harmful gases back into your home. Lastly, by installing a chimney cap, you will improve safety and enhance the overall efficiency of your fireplace.

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.

You don’t need electricity for a wood-burning stove unless it has a blower fan. Some wood-burning stoves include blower fans to help with heat distribution, but blower fans have a motor and use electricity to power the fan. You can still operate a wood stove without using the blower fan, so it’s a good source of heat if you have a power outage or are looking to lower your electric bill during winter.

Yes, burning wood with Dutch elm disease is a safer way to dispose of it than, say, tossing it in with the rest of your yard waste, which could potentially allow it to spread to healthy trees. But it’s always a good idea to check with your local government to make sure you’re complying with any ordinances about removing diseased trees as well as burning brush piles.