I was directed here for advice by a member of another forum. We purchased a house earlier in the year knowing the chimney needed work and we are looking to have that work done now. First the details... Single story house built in the late 60s with a 13"x13" pre-cast concrete chimney in the SF bay area of California. The original chimney inspection done by the sellers said 1) Has large vertical exterior cracks and also inside the firebox which is very normal for a fireplace/chimney like this. All flue liners cracked. Recommends installation of SS flue insert ($$) No idea how thorough the inspection was. Since then we have received 2 more inspections and quotes from other companies recommended by our realtor (trusted family friend) 2) Concrete stack cracked, vertical stack unsafe, recommends rebuild with red brick from the shoulder up. ($$$$) He also stated a SS flue insert was a band-aid and he didn't like/do them. He did not look inside the chimney from the top, only the exterior and in the fireplace. 3) Use a product called Emberlock 3000 to seal cracks on flue liners from the inside ($) Spent by far the most time looking it over, even took off the spark arrestor to thoroughly look inside the upper stack. Mentioned that rebuilding top half of a pre-cast concrete chimney was a relatively crazy idea/way labor intensive and not necessary and that these things are "built like a tank" Said a liner would reduce the diameter too much on this relatively small chimney. ($,$$,$$$$ are in relation to one another, $ doesn't necessarily mean cheap) We love fire in the FP but mostly for smores/looks not for actual heating so I would estimate 1-2 fires a week for just about 2 hours each, during the winter. The area I live in isn't that cold so freezing/harsh conditions aren't as big of a concern. What do you guys think since these quotes/approaches cover the whole spectrum?