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You can, but you shouldn’t. While you can still start a fire in your fireplace, the smoke and other fumes won’t have a proper way to escape if the flue is cracked. By continuing to operate your fireplace, wood stove, or furnace, you are putting your home at risk of absorbing toxic byproducts of the fire source.

For many people, the primary disadvantage of a gas fireplace insert is that it doesn’t look or smell like a classic wood-burning fire. Additionally, the labor costs of installing a gas insert are higher than some other types of fireplace inserts, including electric and pellet inserts. There are also limitations on where you can install ventless gas fireplaces because they’re banned in certain places (including California).

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.

The cost difference between a gas fireplace and a wood-burning fireplace depends on the type of wood-burning fireplace installed. The cost to install a gas fireplace tends to be cheaper than the cost to install a brick wood-burning fireplace. Installing a gas fireplace costs about $3,600 on average, whereas the cost to build a masonry wood-burning fireplace can go up to $30,000. The cost to install a wood-burning fireplace insert or stove can cost from $700 to $6,500, about the same as a gas fireplace on average.