I cleaned the liner and removed my hampton insert. I insulated the 6 inch liner with a kit, new block off plate, new top seal, insulated around the liner and the block off plate and topped it off with a stainless steal cap. Now I can sleep well at night knowing that its done right because I did it! No more heat loss around the liner and out around the cap. It had a lot of air coming out. The liner should stay cleaner longer too. My biggest concern is that I am a 24/7 burner and the chimney would heat up, heat the attic, and cause ice damning on the roof. I think all the problems should be solved now. Anyone have an idea how much more heat will remain in the house?