Just had Montpelier wood insert installed. There is a 6in stainless steel liner and is capped at the top of the chimney. Is this the same idea as a chimney plate. The installer said the cap would stop any air from entering the chimney cavity. Is this done right or is this cutting corners? From what I have seen the chimney plate is usually where the flu is? Also does the insert and surround need to be sealed airtight around it or is that why there is a chimney plate to stop drafts? Any advice would be appreciated. Had the 1st fire to cure the paint .... stinky but looked awesome. A little browning on the hinge side of window but glass was mainly clear after the fire burnt down. So far so good