I am thinking of doing this. I just bought a 14w heating pad. I am thinking of using a wooden box on legs, and putting it in the roof. I am nervous about putting cloth in direct contact with it. Also I thought of putting it between 2 ceramic tiles and sitting it up on a frame. Then I would feel better about cloth going over it I think. Am I being over cautious? Also I need a little more explanation on your posts with pics. What is the wattage you are both using? What cloth do you have over the cage? Is it directly touching the mat? Etc. hope that isn't too many questions. Sorry!
What is your concern with cloth coming into contact with the heating pad? Fire? Isn't the heating pad itself covered with cloth?
When chicks are very new, they need to have direct contact with the heating pad to derive the full extent of warmth they require at that age, as well as comfort and security. I recommend you read this thread from the very beginning, or at least the first 20 pages. That's where a lot of very useful info resides.