Yes many we have pulled out or done level 3 inspections on are not installed with proper clearances. Many people even "installers" hear zero clearance and dont bother to read the insructions to find out that they really are not zero clearance.And just to add another log to the fire.... If you're going to be the installer of such a project do you feel confident that the original ZC fireplace has been installed properly? Regardless of whether some code official somewhere has signed off on it or not, as the person installing the wood stove insert, you have now accepted all responsibility for both the insert and fireplace installation.