Get matched with top fireplace pros in Yah-ta-hey, NM

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.

Annual inspections, soot removal, and clean-burning fuel help maintain a safe and efficient chimney.

Running a gas fireplace is potentially cheaper than using central heating if you are heating a single room and don’t need to heat the entire house. That's because gas fireplaces are a better source of direct heat, making them more efficient for warming small spaces. Central heating, while more efficient for whole-home warmth, uses more energy overall. Strategically using a gas fireplace, therefore, can help lower heating bills.

Because of the potential danger associated with incorrectly capping the gas line that serves the gas fireplace, many people will choose to hire a professional to do the work. Some homeowners may choose to hire a pro to only handle the gas line for them. They then may attempt to remove the actual insert on their own, which is a challenging—but not impossible—DIY project.