I've got a concrete block chimney with a terra cotta liner. Gonna reline it and cut into it for a stove. State Farm says, "hire a professional." I say, "What constitutes a professional?" They can't answer. They'll let me know after I do the work if their underwriters like it. Aaargh! So the professionals I've called don't agree. Some say put in a stainless steel liner. Some say pour a masonry product (solid flue or the like.) One said, "can't be done." And the prices I get are all over the place. Can anyone link me to standard building codes for chimneys? These chimney people are nice and helpful, but what a racket. One wants me to sign right away. Another is going to do the same job for $2000 less. I've been burning wood for 15 years now, and I'm confused!