A chap coming back wearing father's hats (7)

I believe the answer is:

panamas

'hats' is the definition.
(panama is a kind of hat)

'a chap coming back wearing father's' is the wordplay.
'chap' becomes 'man' (I've seen this before**).
'coming back' shows that the letters should be reversed in order.
'wearing' is an insertion indicator.
'father's' becomes 'pas' (pa is a kind of father).
'a'+'man'='aman'
'aman' back-to-front is 'nama'.
'nama' inserted inside 'pas' is 'PANAMAS'.

I've seen this clue in The Telegraph.

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