I would stick with the truth if it's you that's demanding it. Or seek to get a letter like Hogwildz mentioned.
But I didn't see any info really on your chimney? Is it possible to confirm its integrity and clearances or not?
No one I suspect is going to be very happy once you tell them you want work redone, espescially if insulation or clearances were never even discussed and when you brought it up already was just brushed off. It could really change the scope of the work.
Wouldn't the fact that the chimney goes through the center of my roof mean that clearances are not sufficient? Also, I have a wood fireplace mantel which is technically touching the brick on the front side of the chimney.
Seems like a company that installs this stuff should know better than this. It's a huge liability should someone's home burn down and insurance balked and a lawsuit is filed...
Really, the only reason I know about an insulated liner is because I chose to do a little research. It's not common knowledge for a new buyer like myself.