Just noticed today it looks like my insulation has been on fire some time or another. Theres a spot about 10"X10" right by the down pipe that is nearly white or very light gray and if you touch it, it crumbles to pieces. I have a 4" down pipe and its very tight against the insulation, just wondering if I need to be woried and rip the insulation off the fire wall. If I do remove it do I need to protect the firewall with anything like some fire proof insulation or something?