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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.

A fireplace that doesn’t require a chimney is simply called a chimneyless fireplace. Don’t confuse these with ventless fireplaces, however. There are some fireplaces that require ventilation via a system of pipes, not a chimney. More specifically, the fireplace in question will likely be called by its name, such as electric, ethanol, or balanced flue.

When your wood stove catalyst goes bad, it can cause your stove to produce less heat or run slower than normal. You might also notice thick black smoke coming out of your chimney. If you notice any of these signs, contact a professional who installs wood-burning stoves and repairs them for an inspection and fix.

A fireplace's lifespan varies significantly depending on its type, the quality of construction, the materials used, and how well it is maintained. On average, you can expect a fireplace to last between 10 and 30 years, with many homeowners experiencing major issues after about 20 years.

Here's a breakdown by type:

• Gas Inserts: Typically last 10 to 25 years with proper maintenance.

• Electric Fireplaces: Have a lifespan of up to 20 years.

• Traditional Brick Fireplaces: Can last for centuries, but require ongoing maintenance and repairs, such as tuckpointing.