OK so I'm putting my new insert in this week so i figured a better have my chimney swept. I took my old old insert out, it had no liner and called the pro out. He came over and started to sweep and said i had some heavy creosote build up...it'd cost extra lol He swept it and then told me i had some major build up that it was soaked into my masonry, he got it the best he could. He said that he could use an acid wash on it but it would cost 400 and my house would stink. He said he could also use a mechanical device and whip it out of there but it probably would damage my clay. He said my third and best option would be to install my liner insulated of course but when i go to terminate at the cap don't use the supplied one because it would seal the chimney off allowing the soaked in creosote to heat up and fill my house with a smell that would last for months. He told me just to run my liner at least two inches above my clay liner and leave my existing rain cap on so the smell would rise up and out. HELP does this seem right ?