Okay, I've been webbing this site to death while waiting for my Hampton HI300 insert. I have a 8X13 flue, 35ft chimney with terra cotta tile liner. Dealer says 6" SS liner won't fit with wrap insulation, so better to go with 5.5 " liner and poured insulation. I've read pro & con on poured insulation...but here is the bottom line question I have. Is going with the 5.5" liner and poured insulation going to be seriously affect performance or create a fire hazard in any way? (The dealer says once the poured insulation is set, it will meet zero clearance and everything will be to code) Or would you insist on tearing out terra cotta tiles and installing a liner with wrapped insulation? I am worried about additional cost as the insert and installation is already running me about $4,900 for the whole job! Help!