Hey guys...I've been webbing inserts & wood burning info for months now. Recently moved into a 2 story Center Hall Colonial. I had the local Regency dealer out yesterday to check everything for a Hampton HI 300 installation. When we were discussing the liner I asked him if the liner needed to be insulated...as everything I had read on-line basically seems to say they should be. He said that due to the configuaration of my chimney it wasn't necessary. The only thing I know about my Chimney is that it is masonary and has a teracatta lining upt to the chimney cap? (I'm a newbie to all of this). Anyway, he said that they could blow the insulation down the chimney to insulate the liner, but the problem with that is if it gets "wet" somehow, the liner will cool down, and the insert won't perform properly??? Then he went into a lot of technical stull that was lost on me. So I'm just looking for feedback on this as the technician does seem very knowledgable and says he's been doing this work for 20yrs. But again...from what I read on-line, I thought it was critical for peak heating performance with a wood burning insert...to have an insulated liner?? Help!