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My chimney was old and dirty, and one day a guest lit a huge fire and threw a huge amount of cardboard on top of that, sending flames ten feet up the chimney. Because it had deposits, I had a chimney fire. The heat from the fire cracked some of the liner tiles, but the liner did it's job.
Needless to say, after that I had a stainless steel liner put in. They pour grout all around that.
What did we learn ? Get that creosote out. Don't let huge flames go up the chimney. Don't burn green or resinous wood, and keep a dry, hot, contained fire.
Your chimney is fine. don't ever abuse it, and it will last for many years. BTW, I have a very tall chimney, and having it lined cost 2800 dollars. That was still a high profit venture for the installer.
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