Well, I thought a ss liner with one contractor was the same as with another. But, when the estimates were so far apart from each other I began asking questions. Turns out the higher estimate was an insulated stainless liner while the other was some sort of stainless liner that apparently comes in a 12' length and expands like an accordian. The latter was definately not insulated and was going to be put inside of the existing terracotta flu. My question is how important is it to go with the insulated liner (is installed after the terracotta is removed) if this flu is to be connected to a non gasifier wood boiler? Would it be safe to go with the cheaper one?