New exterior wall chimney with an offset?

[stoveliker]

If you go the elbow (out and up) route, make sure you go tall enough, see my post above.

 

[all night moe]

I am curious about this, your HO insurance company has specific rules that require all chimneys to be enclosed? Are you in an area with higher risk of wild fire or wind issues? I am just curious as to why they would have specific requirements about it.

Not my HO insurance per say. I don't know the details to this policy.

I am at 1500ft in elevation, give or take. I am almost at the very top of the hills in my area. We can experience heavy wind gusts.
I am sure this is a major factor. Insurance co allows wood furnaces but not WS too ........ supposedly.

I