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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.
Modern gas fireplaces are relatively efficient and don't burn excessive amounts of gas, especially compared to older models. A gas fireplace might use between 10,000 to 40,000 BTUs per hour; the total amount of gas used depends on the fireplace's size, heat output, and how often it's in use. To help keep your running costs down, consider using a thermostat and turning off the fireplace when not needed to minimize gas consumption
Yes, you can close off a fireplace both temporarily and permanently with extremely wide price ranges. Temporary solutions involve fireplace plugs that can be inflated to block air and deflated to open the fireplace, covers, and boards. Permanent methods of shutting off fireplaces usually involve bricking up the fireplace or covering it with drywall. No matter the method, it’s probably best to hire a professional.
Gas fireplace inserts are considered the most efficient because they convert more of the fuel source—gas—into heat. They offer excellent heat output per the amount of fuel they use. While electric fireplace inserts are praised for their efficiency, keep in mind that they don’t offer as strong a heat output but may still be a great choice if you want an efficient option.
You can close up a chimney instead of demolishing it. Homeowners often go this route because the cost of removing a chimney, especially a structurally important chimney, can be expensive.
Properly closing up a chimney involves closing and sealing the damper, installing a chimney cap damper, and sealing the fireplace opening with a door or bricks. The cost to seal and cap a chimney is around $500 to $650—significantly less than the average chimney removal cost.
The Malta, MT homeowners’ guide to fireplace services
From average costs to expert advice, get all the answers you need to get your job done.
The average fireplace installation cost is $2,438, but prices vary depending on the type and size of the fireplace. Calculate your costs with our guide.
Many homeowners upgrade their old fireplace with inserts to get more heat and save energy and money. Learn more about the cost of installing a fireplace insert.
An outdoor fireplace can easily cost over $3,000 if you aren’t careful with your budget. Learn what factors contribute to the overall cost of this luxury project.
Does a fireplace add value to a home? Find out if fireplaces will make your home more desirable on the market, and if they’re a good investment for homeowners.
Find out about the different ways to mount a fireplace and determine which type is right for your space. Because everyone needs warm, cozy vibes in their home.
Find out if you really need a chimney to install a fireplace in your home. This guide helps you understand your options, such as a ventless fireplace, when choosing the right fireplace for your home if you don't have a chimney.