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There is no general rule. Some areas will require a permit for that some wont. In our area we dont need permits for it but it may be totally different in your area.
No you will be finding out if you need a permit. The fines for doing it without one can be pretty steep. You could also try calling a couple contractors in the area and asking them.
My Sicilian Mafia neighbor used to do it like this: he'd just do it then intimidate the inspectors (who really have no real power) and get away with it.
They may not have power but the judges they report you to do have power. It is never a good idea to piss of your local code guy. They can make your life very difficult if you do.
Forget the Inspector and Judges . . . my own take . . . granted I am a bit biased due to the nature of my job . . . but I would be more concerned about what one's insurance company would say/do if there was ever an issue with the chimney and their research revealed there was never a permit.
As mentioned . . . a permit is not always necessary . . . a lot depends on where you live. Where I work, it seems like there is a permit for everything (including yard sales even . . . which seems a bit nuts), but where I live there are only permits for the big things -- namely building a house.