Ashful
Minister of Fire
Just don't confuse your interpretation of what's safe with the actual configuration tested. If I interpret what you're saying correctly, your stove was tested for clearances with their heat shield installed. You might think your home-grown shield is a reasonable facsimile of the shield with which the stove was tested for reduced clearances, but your insurance company might disagree.My stove can have an accessory for a top heat shield.. Why should i spend the $115 when i could make a high-temp heat shield from sheet metal?
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Your investment will be paid back quickly 
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