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Do I need a chimney liner?
Some background. My wife and I purchased our house (a 1920s tudor) in 2011. We've had nothing but problems, but at this point everything seems to be under control. However, we are still dealing with a persistent leak on the East side of our house. We replaced the roof, all windows, had some stucco cracks repaired, etc.
At this point we had a chimney company come over to inspect the chimney. He told us that our chimney does not have a liner. It has a tube in the furnace room venting into the chimney, and a small tube below the cap with our gas appliances (we have two furnaces, and a gas water hater).
His take is that with our gas appliances (we have two 1999 Burhnam boilers - one hot water, one steam - and the hot water heater is a 2011 AO Smith Effex high efficiency 50 gallon heater ) this is not only illegal, but also potential dangerous and it might be causing some of the leaks since he notices some deterioration in the chimney. They want $2,100 to install the liner (I believe we need a 40ft one), and patch part of the chimney.
Another contractor (not a chimney expert) that I contacted told me this is B/S and we don't need a liner. I've done some Google research and it seems to me that basically everyone recommends a liner with gas venting into a masonry chimney.
What are your thoughts on all of this, what the pros of getting or cons of not getting a liner, and what do you think of the quote?
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