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If you see rust spots or streaks or any physical damage to the chimney cap from the ground, you should hire a professional to inspect and replace it. If it’s safe to get up on your roof or near your chimney cap with a ladder, you can perform a closer inspection to identify issues. Additionally, if you know your chimney cap is nearing the end of its life—usually five to ten years—or you’re seeing evidence of water damage or pest infestation in your chimney, it’s a good idea to replace the cap.

Failing to open your flue can lead to serious health hazards if you start a fire because the smoke will back up into your home. Breathing fire smoke, even in relatively small quantities, is bad for human lungs, and smoke can also irritate your nasal passages and eyes. Furthermore, smoke can cause damage to your interior fixtures and furnishings, at the very least leaving an unpleasant smoky smell for a long time. In short: If your flue isn’t open (or you’re not sure if it is or not), don’t start a fire to find out!

The average cost of routine home maintenance is about 1% to 4% of your home’s total value every year. Larger projects like replacing a roof or repairing a foundation may end up costing you more, but it’s a good idea to set aside money for maintenance costs every year so you can keep your home in good shape.

Homeowners insurance policies generally do not cover polybutylene pipes because of the high risk they pose. Some homeowners insurance companies have been threatening to terminate policies if homeowners do not replace them. Review your personal policy to be sure, but it’s a safe bet that they’re not covered—and you should prioritize repiping your home as soon as possible to avoid costly, uncovered damage.