You may remember my questions about the Jotul insert last week. To recap, when I asked about the liner, the dealer said it was uninsulated 316 and that he just used a top plate to seal the system. You all heartily recommended using a damper block-off plate down below as well. I stopped back in their shop today to ask if there would be any problem installing a damper block-off plate and how much that would cost. They said it would be no problem and would probably cost about $45 or so. As we talked about it though, he mentioned this time that they include insulation down below around the damper -- so he said the function of the damper plate is covered by the insulation. I don't know what exact type of insulation they use. So my question is whether I need to insist on a damper block-off plate or if the insulation is sufficient? Many thanks in advance for the help.