So was it ever determined what happened ? Chimney fire, failure of the stove when it was over fired ? And I assume that this would be a totally different stove getting used ?
I have a ceramic flue inside my chimney, and every year, it gets cleaned and inspected by a certified sweep/inspector who I have used the past ten years. In fact, it's being done tomorrow......if you have a question you want to to ask, let me know Surfivor. And I know there are pipes that can be inserted and run up the chimney for added protection if you choose, and they are not difficult to clean, similar to any chimney. I plan on doing it myself soon and buying the poles / brush so I don't have to pay for a sweeper.
As far as the stove, get it inspected, a lot of sweeps are qualified for this. But look around it for odd coloring, deformed seams, cracked welds, etc....might notice right away that it is not up to snuff....