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You should never block both the top and bottom of your chimney. Proper airflow is essential because the temperature inside the chimney will still fluctuate as your house warms and cools. Moisture can build up without ventilation, leading to dampness in your walls over time. Blocking the top prevents debris and animals from entering, but the chimney still needs air circulation to avoid condensation issues. Allowing the chimney to breathe maintains the health of your home and prevents long-term damage.

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.

Modern gas fireplaces are relatively efficient and don't burn excessive amounts of gas, especially compared to older models. A gas fireplace might use between 10,000 to 40,000 BTUs per hour; the total amount of gas used depends on the fireplace's size, heat output, and how often it's in use. To help keep your running costs down, consider using a thermostat and turning off the fireplace when not needed to minimize gas consumption

The project could take anywhere from one to five das, depending on the extent of the removal. Capping a gas line can be done on the same day, whereas completely removing a fireplace and chimney can span several weeks. Talk to your pro about the timeline and potential obstacles, like fireplace material, location, and potential structural issues.