Summary:
What Is a Chimney Liner and Why Does It Matter
A chimney liner is a protective conduit that runs the full height of your chimney, shielding the masonry walls from heat, moisture, and corrosive combustion byproducts. Modern building codes require liners because they significantly reduce fire risk, prevent dangerous gas leaks (including carbon monoxide), improve draft efficiency, and protect your home’s structure.
Think of your liner as the guardian between dangerous combustion gases and your home’s structure. Chimney liners serve as an extra layer between the inside of the chimney and the framing of your home, providing another layer of protection as common defects can appear in the chimney.
Without a properly functioning liner, you’re essentially allowing heat, smoke, and potentially toxic gases to interact directly with your chimney’s masonry and surrounding building materials. That’s a recipe for serious problems.
The Hidden Dangers of Damaged Chimney Liners
Defects, no matter how small, can begin a process that will further erode the chimney and can pose a threat to your family’s safety through the creation of health risks. Poisonous gases could potentially infiltrate the home. But the dangers go beyond just gas leaks.
More importantly, combustible creosote or soot can also escape through these openings and build up outside the chimney flue liner. If the creosote were to catch fire in this area of your chimney, serious damage can occur because the fire can no longer be contained within the flue.
Here’s what many homeowners don’t realize: Clay tiles most often crack very suddenly due to a chimney fire or lightning strike. Though flue tiles are made to expand and contract, when they are heated up too rapidly, they expand too quickly and then crack. Once this occurs, the integrity of the chimney liner is compromised.
The consequences extend beyond immediate safety concerns. It allows for the smoke and heat to get into the internal workings of the chimney structure, which over time, can lead to the wood around the chimney structure drying and reaching combustion stage. If the issue is not addressed in time, it can lead to spontaneous combustion and a structural fire.
This is why when chimney sweeps, home inspectors, and firefighters find cracked tiles, their first and most often recommended fix is to outfit the chimney with a stainless steel liner.
Why Twin Cities Homes Face Unique Liner Challenges
If you live in the Twin Cities area, your chimney faces some unique challenges that make liner replacement even more critical. In the Twin Cities Metro area, our harsh freeze/thaw cycle adds even more weight to the necessity for consistent inspections.
Homes built prior to the 1940s were typically built without a chimney liner. As a result, chimney and house fires were more common. Many homes in Minneapolis, MN, St. Paul, MN, and surrounding areas fall into this category, meaning they either have no liner at all or aging clay tile liners that are failing.
Here’s a specific problem that affects most Twin Cities chimneys: The majority of chimneys in the Twin Cities were built with 7×11 sized flue tiles. Although this size tile made it easy for masons to build the chimney, they are most often too small for the chimney to function as intended.
Current day code regulates the size of a flue tile. The reason for the regulation is to ensure that the chimney will draft properly and that the fireplace does not smoke out your home. The current day code states that flue tiles need to be at a 10:1 ratio. A 7×11 tile is only 77 inches in area, which is an 11:1 ratio, which means that, more than likely, this chimney will smoke.
When we are called out to sweep and inspect chimneys, we often find that the homeowners are having smoke and drafting problems. If this sounds familiar, liner replacement isn’t just recommended—it’s necessary for proper function.
The Chimney Liner Replacement Process
Professional chimney liner replacement involves much more than simply dropping a new liner down your chimney. Proper installation of a stainless steel liner starts with proper sizing. This requires one of our chimney technicians to take an accurate measurement of your fireplace opening. We follow the International Residential Code (IRC) book for the proper sizing of a stainless steel liner.
The process begins with a thorough inspection to assess your current liner’s condition and determine the best replacement option. There are several options when it comes to restoring your chimney flue liner, which is determined by inspecting the level of disrepair, and ranges from filling in the gaps in the mortar, resurfacing with a ceramic flue sealant, or completely relining with a stainless steel liner.
For most homeowners, complete relining with stainless steel provides the best long-term solution and value.
Why Stainless Steel Liners Are Superior
When properly installed, stainless steel liners draft better and are more efficient than flue tiles. They also ensure that in the event of a chimney fire, a homeowner is not looking at the expensive replacement of the tiles again.
We highly recommend stainless steel liners for the best possible protection of your Minnesota chimney. They are more durable and require less maintenance than other liners, giving you more value. In addition to long-lasting protection, they also increase heating efficiency, which lowers energy costs.
Plus, your chimney will be better protected against creosote and other debris, making it less likely to develop cracks, water leaks, or fires. A stainless steel liner is sized to fit inside your flue and provides durable protection for all fuel types. They are corrosion and rust-resistant and built to last, with a lifetime warranty.
The investment makes financial sense too. Minnesota chimneys typically range from $3,000–$5,000, depending on size, fuel type, and access needs. Our premium liners include a lifetime warranty, so you invest in long-term protection. Stainless steel liners come with a lifetime limited warranty – however, this warranty is void if the liner is not installed, and then cleaned and inspected annually, by a chimney technician.
Here’s what many contractors won’t tell you: There are a lot of companies that do not properly size the liner and fail to remove the flue tiles from the chimney. If a company does not remove the old flue tiles, it can lead to bigger issues down the road.
Professional Installation Makes All the Difference
The quality of installation determines whether your new liner will protect your family for decades or create new problems. We then remove all the clay flue tiles from the chimney, as this allows for proper installation of the liner and ensures that the existing flue tiles do not collapse at a later date and ruin the liner.
Then comes the most important part of installing a stainless steel liner – choosing the proper insulation for the liner. The manufacturer requires that stainless steel liners be insulated as part of the warranty – it is what gives it its UL listing.
Unfortunately, there are companies that do not insulate the stainless steel liner. Not insulating the liner allows the heat to radiate into the chimney cavity, which over time, can lead to the drying out of the wood around the chimney structure and spontaneous combustion or a structural fire.
Professional installation also includes proper connection to your heating appliance and ensuring all clearances meet code requirements. For cosmetic reasons, we always put a flue tile at the top of a chimney. It looks funny and is an eyesore to see a pipe sticking out the top of a chimney.
The difference between professional and amateur installation can literally be life and death. When your chimney liner isn’t performing its job, it can create a serious problem, leading to structural fires and carbon monoxide poisoning if not attended to. We use high-quality stainless steel liners with a lifetime warranty to reline your system.
Protecting Your Twin Cities Home with Professional Liner Replacement
A chimney liner that has damage is like a sleeping giant. You never know when it will awaken, but it can be perilous when it does. That’s why we cannot stress enough the importance of annual chimney inspections and cleaning.
Your chimney liner replacement isn’t just about compliance or efficiency—it’s about protecting everything you’ve worked to build. Many deaths from chimney fires are due to smoke inhalation when victims can’t escape in time. The overwhelming majority of chimney fires can be avoided by having a professional sweep inspect and clean the flue at least once a year.
For Twin Cities homeowners, the choice is clear: invest in professional chimney liner replacement now, or risk catastrophic damage later. When you’re ready to protect your home and family with a properly installed stainless steel liner system, contact Suburban Chimney Solutions for expert installation that meets all safety codes and manufacturer requirements.

