An older house in Menasha, gas furnace put in sometime in the nineties, original clay-tile chimney from 1924. The homeowner called me because chunks of orange clay were showing up in the cleanout door. He thought a bird had gotten in.
What he had was thirty years of a modern high-efficiency appliance venting into a flue that was built for coal smoke, and the tile had been coming apart from the inside the whole time.
Why old flues fail on new equipment
A coal or wood fire sends up hot, dry gas. The flue stays well above the temperature where anything condenses, and the clay liner lasts the better part of a century.
Modern gas equipment sends up gas that’s much cooler and full of water vapor. In an oversized masonry flue in a Wisconsin winter, that gas cools before it gets out, and water condenses on the tile — mildly acidic water, running down the inside of the chimney, all season, every season.
That condensate attacks the mortar between the tiles first. Then it gets behind them into the brick. In a climate that freezes and thaws as hard as ours, water sitting in that masonry does the rest. By the time clay shows up in the cleanout, the liner has been failing for years.
What an unlined or failed chimney actually risks
Two things, and they’re different in kind.
With gas appliances the risk is carbon monoxide finding its way through gaps in a deteriorated liner into the house, usually through an adjacent chase or an old fireplace opening. This is the one that matters and it’s silent.
With any solid fuel — a wood stove tied into an old flue, which we still see plenty of around here — the risk is a chimney fire finding an unlined path to framing. That’s why the codes want a continuous liner and clearance to combustibles, and it’s why insurers ask about it.
What relining involves
For gas, a properly sized aluminum or stainless liner dropped down the existing flue, top plate, and connection at the appliance. Sizing matters more than people expect — putting a liner that’s too large in the flue recreates the same condensation problem you’re trying to solve.
For wood, stainless only, usually insulated, and the insulation isn’t optional in an exterior chimney in this climate. An uninsulated stainless liner on a north wall will still run cold enough to condense creosote.
The other path is a cast-in-place liner, where a cement-based mix is poured around a form to build a new smooth flue inside the old one. It’s more disruptive and more expensive, but on a chimney with structural gaps it does two jobs at once.
Whether relining is even the right call depends on the condition of the stack above the roof, which is a separate question I’ve worked through in line it or take it down and rebuild.
Costs and what to check first
A stainless liner for a gas appliance in a straight flue runs $2,200 to $4,500 installed. Insulated stainless for a wood stove is $3,000 to $6,500. Cast-in-place is $6,000 to $12,000. Add a crown rebuild at $600 to $1,800 if the top is cracked, which it usually is on a hundred-year-old chimney.
Before any of that, get a camera inspection — $150 to $400, and it’s the only way anyone can honestly tell you what’s happening inside. A contractor who quotes a reline without running a camera is quoting a guess. The Department of Energy’s material on home heating systems is a reasonable plain-language starting point on how venting fits with the appliance you have.
One more thing worth doing every fall: a carbon monoxide detector on each floor, tested. It costs thirty dollars and it covers you while you decide about the chimney.
Frequently asked questions
Does a gas furnace need a chimney liner? Usually yes when it vents into an old masonry chimney. Modern furnaces produce cooler, wetter exhaust that condenses in an oversized flue, and the acidic condensate breaks down the clay tile and mortar over time.
How do I know if my chimney liner has failed? Pieces of clay tile in the cleanout, staining or damp patches on the chimney breast inside the house, and a strong draft smell are all signs. A camera inspection at $150 to $400 is the only way to confirm it.
How much does relining a chimney cost? A stainless liner for a gas appliance is $2,200 to $4,500. Insulated stainless for a wood stove runs $3,000 to $6,500. Cast-in-place relining is $6,000 to $12,000 and also addresses structural gaps.