Hello, We bought a house two years ago and it came with a Lopi X/FL/LX (not sure which one): http://www.lopistoves.com/TravisDocs/93508014.pdf This is the first year we had the chimney cleaned (supposedly cleaned by the previous owners every year). The sweep discovered that we had had a chimney fire at some point and they proposed installing a stainless steel liner. Additionally, our chimney was not far enough from the roof, so that was included in the estimate from them. We talked to our home owners insurance company and they sent out a insurance construction guy to look at the chimney. He said we needed new clay tiles, not a stainless steel liner (plus the same work to raise the chimney higher). He made this determination after looking at the chimney for a solid 10 minutes. His estimate was significantly less than the chimney sweep so that is what the insurance company went with. So...the chimney sweep company insists we need a stainless steel liner as the Lopi stove can get pretty warm. Who is right here? Seems like there are varying opinions on the Internet. To make the matter a little more complicated we are in the process of selling the home (long story) and have an offer. So I don't want to put any money into the place if possible (but don't want to screw someone over either). Thanks!