Do you know what type of chimney liner you have? Many homes have a terra cotta flue tile liner. While these liners are very effective as heat insulators they are also very brittle and usually crack when they are exposed to thermal shock.
National Fire Code 211 (NFPA 211) recommends these liners be repaired or replaced when they crack. And while terra cotta flue liner tiles can be replaced, a better and more efficient way to correct the problems that a damaged chimney liner can lead to is to install a stainless steel chimney liner.
Many stainless steel liners have lifetime warrantees and can effectively handle the thermal stress of chimney fires while protecting against the corrosive by-products of various heating fuels as well as the damaging effects of Mother Nature.
Alliance Chimney are experts in chimney inspecting, replacing and repairing chimney liners and while most homeowners have insurance policies with coverage for chimney fire damage; the insurance companies understand that the cost of a liner is better than the cost of an entire house