Condensation around chimney
the newer furnace installed 15 years ago was no doubt more efficent and had lower flue temps.
around here since at least 1950 homes had 2 flues, one larger one for furnace and a smaller one for water heater...
I would get a high efficency direcet vent furnace and if necessary istall a flue liner or get a new direct vent water heater
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