Insulation & clearance
Insulation decides the clearance — and the fit
Wood and coal liners must be insulated per their listing. Which insulation, and how thick, also decides whether the reline counts as zero clearance to wood framing that touches the chimney. Check the listing for your exact liner and insulation — the clearance rating belongs to the tested system, not the material in general.
Poured mix (TherMix, BEST-Mix, HomeSaver InsulationMix)
UL 1777 listed for zero clearance with a listed stainless liner — but only with at least 1″ of mix all the way around the liner.
Fit: the cavity must be at least liner outside + 2″. A 6″ liner needs about 8-1/4″ clear — very tight in a 2-brick chimney, and the liner has to stay centered so no side gets thin.
Blanket wraps (ceramic wool)
Depends on the liner system. National Chimney and HomeSaver list a 1/2″ wrap for zero or reduced clearance. BEST-Flex lists only 1″ of poured mix for a zero-clearance chimney — its 1/4″ wrap is for code chimneys with the tile removed.
If the wrap isn’t listed for zero clearance in your system, the chimney still needs its normal air space to wood.
Not listed for zero clearance?
Then the reline is only code if the chimney has its normal air space to combustibles: 2″ for an interior chimney, 1″ for an exterior one — and that space stays empty.
NFPA 211 §7.3.1, Table 7.2. A camera scan or attic/basement check shows whether framing is touching.
The mesh isn’t optional. Every blanket-wrap manual above calls for a protective mesh sleeve (ArmorMesh, Premier Mesh, a wire mesh sock, or expandable stainless mesh) pulled over the insulation and clamped. It keeps the blanket from tearing or sliding off as the liner goes down. Skip it and the install doesn’t match the listing — and a torn wrap can leave bare liner against the masonry.
TherMix: 1″ minimum for UL-listed zero clearance with listed stainless liners in a 4″ masonry chimney (DuraVent TherMix bulletin). HomeSaver UltraPro manual: under 1″ clearance, use a 1/2″ wrap, two 1/4″ wraps, or 1″ of mix. Always follow the manual for your liner.