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The most common sign of a carbon monoxide leak is the visible black soot marks on the walls near your wood stove. An excess accumulation of smoke in other rooms of your home could also indicate that your wood burning stove is leaking carbon monoxide. If you notice either of these signs or are still unsure, it’s best to leave the premises and contact your fire department to check your home’s levels. 

Yes, removing a chimney is a difficult and major undertaking. Chimneys often provide structural support to a home, so if it's a load-bearing structure, you'll need to take extra precautions to maintain your home's integrity. A project of this complexity typically requires a structural engineer, a masonry contractor, and a demolition crew. The removal process may involve taking the chimney out brick by brick from inside the walls. The cost for chimney removal can range from $2,000 to $10,000, depending on the job's complexity. Due to the difficulty and cost, some homeowners opt to remove the fireplace and seal the chimney at the top and bottom, sometimes also removing the visible exterior portion at the roofline.

Home insurance prices depend on where you live and the individual insurance company's policies. Some insurers charge a flat fee for fireplaces or wood-burning stoves, which is often a few hundred dollars per year. Other insurers base this fee on a percentage of your annual premium. You may want to check your current or prospective policy before beginning this project.

Fireplace inserts have several potential disadvantages. The cost of the insert and its installation can be a significant investment, as the process can be complicated and expensive, particularly if modifications to the existing fireplace are necessary. Aesthetically, some people find that inserts lack the traditional look and authentic ambiance of an open, crackling fire. There are also ongoing costs for maintenance, cleaning, and fuel. Fuel type can be a limitation; for example, an insert may be unusable if you don't have access to its specific fuel source. Maintenance and repairs can also require specialized services, especially for gas or electric models. Finally, while an insert is more efficient than an open fireplace, it may not heat a home as evenly as a central HVAC system.