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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.

A fireplace can increase a home's value by as much as 12%, with some reports indicating that homes with fireplaces list for around 13% more than the median sale price. Fireplaces are both functional and aesthetically pleasing, adding a charm that many homebuyers find desirable. The actual return on investment depends on the fireplace's size, type, and material.

However, a fireplace can detract from a property's value if it is unusable, not up to code, or in need of immediate repairs. The type of fireplace also matters; custom electric fireplaces and inserts can add value, while freestanding units that can be removed have less impact.

There are a handful of things you can look out for that indicate fireplace repair is necessary in your home:

• See or smell smoke in your home during use.

• You smell gas or unusual odors coming from your fireplace.

• The fireplace is visibly damaged or crumbling.

• The igniter won’t light.

• You notice shaling (pieces of chimney lining) building up in your fireplace.

• Any portion of the fireplace is rusted.

• You notice efflorescence (white stains) on the brick.

If any of these signs emerge or you suspect that you have an issue, call in a fireplace repair professional immediately.

Regular fireplace servicing is vital for safety and efficiency. You must inspect and clean wood-burning fireplaces annually to remove creosote buildup and address potential issues. Gas fireplaces benefit from annual inspections to ensure proper functioning and safety. More frequent servicing may be necessary if you use your fireplace extensively or live in an area with harsh winters. Always consult a local professional to establish a suitable servicing schedule for your fireplace.