I am curious about masonry chimneys and the danger during a fire. My questions all are revolving around worst case. If I have a existing chimney that has a clay liner it is code and allowed to vent a stove directly into it. In the event of a chimney fire the overheat of the chimney can crack the clay liner and potentially pass into the house and burn the house. It is commonly recommended here to remove the clay liner and drop in a stainless insulated liner. Out of control fire, liner failure and one layer of brick till the fire passes into the structure. If the liner was not removed the structure would effectively have a second layer of defense protecting the house from burning. It really seems from a fire safety direction the extra lining would really help in safety. I am not referring to performance here, I am talking safety. A lot of performance is sacrificed in in the wood stove world for safety (example is heat robbers on a chimney) so I am wondering the safety arguments compared to the performance arguments of the second liner.