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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.

You may have some limitations when looking for materials and a design to reface your gas fireplace versus what’s available for a traditional wood-burning fireplace. Some gas fireplace surround ideas include stone, concrete, brick, tile, wood, steel, and plaster. However, you should check with the manufacturer of your gas fireplace model to determine if you have any limitations on what you can use.

In addition to flashing, a roof cricket can help divert water around your chimney so that it drains properly off your roof. It’s shaped like a double triangle and is installed behind the chimney so that falling water spills evenly down each side. This helps prevent water from accumulating behind your chimney, which can increase water damage and the risk of leaks. 

The International Building Code (IBC) requires cricket installation if a chimney built after 2012 measures over 30 inches in width. Chimneys constructed before that date are typically grandfathered in and aren’t required to have crickets installed.

Chimney crowns are located above the final brick layer at the top of a chimney. It’s important to get regular chimney maintenance and inspection, because it is near impossible to spot chimney crown damage without getting on your roof.