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Fireplaces can theoretically help you save on heating bills if you lower the temperature throughout the rest of your home and heat only a single room that you occupy using the fireplace. However, in most cases, homeowners won’t save any money on heating bills. Gas and electric fireplace inserts could actually lead to a spike in your respective energy bills if you use them frequently, and if you don’t keep up with chimney maintenance and repairs, your traditional masonry fireplace could actually be a source of heat loss in the winter.

Sometimes chimney caps blow off during storms or fall off after rusting away. While this typically won’t cause structural damage, failing to replace a chimney cap can. A chimney cap prevents moisture, animals, and debris from entering your chimney, all of which can cause serious problems, such as damage to the masonry or blockages in the flue.

A fireplace can take anywhere from a few hours to several weeks to remodel, depending on the complexity of the project. For example, for a simple paint job, you’ll spend very little time touching up your fireplace, while larger remodels that involve replacing or repairing a fireplace can take up to 4 weeks.

In some cases, you can use a fireplace once the insert has been removed. However, before burning a fire, you must have a professional inspect it and the chimney to make sure they're functioning properly and no damage has occurred from removing the insert. That’s because using a fireplace without an insert could create fire hazards due to issues with airflow and heat dispersion, depending on the fireplace design and material. A professional can advise on whether you should make certain repairs or modifications before using your fireplace as an open hearth.