Am looking to install an airtight insert into my factory installed fireplace. This a 20 yr old modular home, the flue and liner are 11" round smooth metal. I assume the liner is insulated but not sure. Got a great deal on insert from my brother, but if I have to install a new 6" insulated liner it will bump my cost up substantially. My question is will I really need a new insert for our safety. Thanks all George