Hey Guys...when I had my Hampton HI300 installed in September and (based on feedback from this site) I insisted on a SS insulated liner. The dealer said it wasn't necessary, but I insisted. Dealer then said they needed to use a 5.5" liner with pour in insulation. I, again, did my research and got feedback from all of you and insisted on a wrap kit. Dealer said wouldn't fit so we agreed on a 6" Ovalized, SS Pre-insulated liner (Olympia). I have a 30' chimney with terracotta liner...so they were able to fit the new SS liner into the existing terracotta liner without breaking them out. So here is my question...if I now have an insulated SS liner inserted into a clay lined chimney...and assuming there is no damage to the existing clay tiles...shouldn't this give me extra protection from chimney fires, etc. Sorry if this a dumb question, but you would think this would be double the protection??