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Hello everyone, I'm once again in need of some information. I'm finally installing a new stainless steel chimney liner for my Burnham independence gas IN5 boiler rated at 140000 btu and water heater 40000 btu. The company installing says they would like to put in a 6" liner. This leaves no room for a wrap around insulation. They said since its being installed through the existing clay lining this will act as an insulator. I do not want to go through the vermiculite type insulation for many reasons, so I will not even consider this option.
So is insulation absolutely needed in this type of setup or will it be ok without? Or are they're any other alternatives of course other than vermiculite?