Wett cert. Around here is $ 200. If u did the tile work and left the pipe the way it is and have all your clearances needed, and got a guy in to wett cert it, would that not be sufficient for your insurance? Or do u have do to exaclty as they say even though your stove would be to code? I would seriously consider calling them and talking to someone about the wood stove.. "Up and out" is the way its done when going off the top of the stove and not wanting a whole bunch of pipe inside the house. Billy bob is exactly right.. No bends in the pipe means not as much resistance for the smoke to go through on its way out. Which means less creosote buildup and less chance of a chimney fire. There is so many houses out there that you just can't possibly go straight up and you have to vent with offsets.. Lol there is probably a rafter straight above the center of your pipe so you would have to offset anywaysd if you kept it in the same spot. I ca only imagine how frustrating this is for you! Good luck!