so here is the situation....i want to install a wood insert in my existing fireplace....i have heard you need 16" of hearth extension in front of the insert if the hearth extension is at least 1.5" thick....if it is not at least 1.5" thick (raised above floor beyond hearth extension) you need 19.5".....with an insert installed i will have about 18 to 18.5" from the front of the insert to the hardwood floor beyond the concrete hearth which happens to be flush with the hardwood floor beyond....are all those clearances "recommended" or are they binding code? i don't want to be out insurance money if i burn down my house or have a "non code" insert when i go to sell the place....i have seen pre fab hearth extensions that are 48" by 18" and would raise the area enough to meet the 16" requirement....my hearth area is 60 by 19 though so that might look weird.....what about a hearth rug? anyone know a simple way to make a good looking extension? any other advice? thanks