I’m placing order and installation for either the Hampton HI300 or the Clydesdale wood insert this week. I had the guy over from the fireplace store this past weekend to give me the estimate. He said everything looked good for either insert and my flute was about 16 feet long. About 8ft of the chimney stands on its own from the roof of the single floor room of the back of the house, it’s a brick chimney. I asked him how he was going to insulate the liner and he said he doesn’t insulate the liner. I asked why, his explanation was that you get condensation around the liner even if you insulate it or not. The insulation gets wet and damaged and it renders it useless after a while. My questions are: Is it ok not to insulate the liner? Plus I need to get a permit from the town for this job, what things are they going to look for, will not having it insulated cause a problem?