I'm wondering if a Pellet Insert can be installed into my Pre fabricated Wood Fireplace? The fireplace is on the 1st floor of a 2 story house on the outside wall. I see reference to masonry installations and Quadra-fire talks about zero clearance installations for their pellet inserts. But I just don't understand my fireplace I guess. The house is about 10 years old in Massachusetts. Am I out of luck because my fireplace is not brick lined? Thanks.