Hi All- I'm considering a Jotul C550 Rockland insert into my fireplace. When I asked if they could install a block-off plate, they revised the quote to include the damper sealing kit. Can anyone tell me the difference (is there a difference) between that and a block-off plate? Also, for an exterior chimney, does it matter if the liner is insulated or not? Any insight appreciated, and thanks- especially to the regulars. Tons of knowledge here, and it's really appreciated.