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A properly constructed and maintained chimney crown can last 50 to 75 years. However, its lifespan can be significantly shorter—20 years or less—if it was poorly constructed, improperly installed, or damaged. Factors like using the wrong materials or failing to prepare the brick around the flue can lead to moisture buildup and premature breakdown, potentially resulting in a more costly rebuild.

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.

In many cases, it is worth repairing an old fireplace. You can repair any portion of the fireplace, and even extensive repairs will usually cost less than a full replacement. Most fireplace repairs cost around $600 and top out around $2,500. Replacing your fireplace will cost around $2,500 and reach as high as $4,000. Not only will fireplace repair save you money in most cases, but the process is also much less invasive and time-consuming, so you’ll only have to set aside one day to be home for the work rather than multiple days.

If your gas fireplace is vented through a chimney, a chimney cap is highly recommended. While not all gas fireplaces require a traditional chimney, for those that use one, a cap provides several key benefits. It prevents rain, debris, and animals from entering the chimney, which can cause blockages or damage. A cap also helps prevent downdrafts that could push harmful gases like carbon monoxide back into your home. When installing a cap, ensure it is appropriate for a gas fireplace and does not restrict proper ventilation.