Page 1 of 2 12 LastLast
Results 1 to 10 of 18
  1. #1
    Platinum Member
    Join Date
    Mar 2010
    Posts
    804
    Location
    Maine

    Default wood stoves, other alternate sources of heat, and your insurance

    i'm curious - how many of you have a wood stove, or other heating appliance in the garage? along with a #2 oil burning furnace, i have two wood burning appliances in my house - living room fireplace insert and basement wood stove, but in my garage i burn k1 in a direct vent heater.

    i recently had a knock-down-drag-out with my homeowners insurance company. a few months ago they did an on-site inspection, and i recently got a nice letter from them telling me that they did not allow wood burning appliances in garages where vehicles could be stored, and i needed to disconnect the wood stove or my policy would be cancelled. i promptly contacted them and told them that there had never been and never would be a wood stove in my garage, and i was told it was all taken care of. about three weeks later i got the cancellation notice because of my refusal to remove the wood stove, and also my failure to disclose something about the oil furnace in my house. this was a new one - they had never commented about it until then. apparently they thought i was sharing a flue with the stove(s) and the furnace.

    five years ago when i moved in, they got the low-down on the oil furnace as it was the only source of heat - it is power vented through the side of the concrete foundation. the following year i installed one wood stove and filled out a questionnaire. the following year i filled out another questionnaire for the fireplace insert - both wood burners are in their own flues with nothing else in the flue. the next year i filled out a questionnaire on the direct vent k1 heater i installed in the garage. the following year i had to fill out more wood stove questionnaires because they had lost the record of them. this year i get the inspection, the nasty-gram, and finally the cancellation.

    the kicker is that it's all because of inept employees and poor record keeping on their part. they had all the information, misplaced it, asked for more, and were somehow unable to file and interpret it. then when they did the inspection they sent someone who was good at taking pictures, but then had no idea what the pictures were. he had clear pictures of the house, with a two flue chimney and a power vent through the foundation wall. he also had pictures of the garage, with no chimney, but with an intake/exhaust pipe from a direct vent heater, along with fill and vent pipes labeled "k1 only". even armed with all of this information he was able to decide that the garage had a wood stove but no chimney to vent it - i guess i just let it smoke the place up and open the windows to vent? he also decided that the furnace was exhausted into the chimney even though he had pictures of the power vent. he did not want to see anything on the inside of the house but would rather make assumptions - wrongly.

    sorry to digress and vent all of that... but anyways, how do all of you do it? are there that many companies out there that don't care about stuff like that? even my k1 heater had to be installed at a height off the floor of the garage because it was where vehicles could be stored. i wrote this after seeing a thread about installing a waste oil drip into a wood stove. with the grief i got just for a wood stove that never even existed i can only imagine a home brew oil burner attached to it. i'd have a little more understanding if my insurance company was headquartered in a large city, but it's actually headquartered in the same rural state as me, in an even more rural part.

    by the way, i chose the safety forum because the primary reason for their concern in a garage is gasoline fumes igniting. just figured i'd see what the safety conscious people here thought about the whole subject.

  2. #2
    Super Star Member
    Join Date
    Apr 2009
    Posts
    12,795
    Location
    nowhere, md
    Tractor
    Hanomag

    Default Re: wood stoves, other alternate sources of heat, and your insurance

    You have a bad insurance agent is my opinion. A local agent gathers information, then shops various insurance underwriters for a policy that fits your situation. The underwriters are the ones actually doing the insuring and the local agent is responsible for dealing with the underwriter usually.

    If your various heating appliances all have their own flue and are properly installed with correct clearances, etc., you should be able to find an agent to work with. Since you don't actually have a wood stove in your garage, that issue is meaningless to you, but I doubt you would find many underwriters willing to insure that if known.

  3. #3
    Elite Member whistlepig's Avatar
    Join Date
    Jan 2009
    Posts
    4,267
    Location
    Preble County, Ohio
    Tractor
    Kubota B7800 with FEL

    Default Re: wood stoves, other alternate sources of heat, and your insurance

    Quote Originally Posted by dave1949 View Post
    You have a bad insurance agent is my opinion. A local agent gathers information, then shops various insurance underwriters for a policy that fits your situation. The underwriters are the ones actually doing the insuring and the local agent is responsible for dealing with the underwriter usually.

    If your various heating appliances all have their own flue and are properly installed with correct clearances, etc., you should be able to find an agent to work with. Since you don't actually have a wood stove in your garage, that issue is meaningless to you, but I doubt you would find many underwriters willing to insure that if known.
    I tend to agree. I spend a great deal of money on insurance every year. Our car insurance carrier called us and asked us to buy our homeowners insurance from them. When they found out we owned a certain breed of dog they said that they couldn't insure our home. I don't have to put up with that. And why should I?
    I used to do the Hokey Pokey but I turned myself around.

  4. #4
    Super Star Member
    Join Date
    Apr 2009
    Posts
    12,795
    Location
    nowhere, md
    Tractor
    Hanomag

    Default Re: wood stoves, other alternate sources of heat, and your insurance

    Quote Originally Posted by whistlepig View Post
    I tend to agree. I spend a great deal of money on insurance every year. Our car insurance carrier called us and asked us to buy our homeowners insurance from them. When they found out we owned a certain breed of dog they said that they couldn't insure our home. I don't have to put up with that. And why should I?
    Yeah, insurance is getting out of control. The prices go up and they are getting picky about stuff. I think the losses from storms and such are cutting into their profit margins. I wish they would stop spending so much on advertising, we are paying for it. For my area, it seems like the smaller, regional underwriters are able to offer better rates. I'm pretty sure Allstate and the other national companies are spreading their high claim losses from storms and wildfires around to everybody.

  5. #5
    Elite Member whistlepig's Avatar
    Join Date
    Jan 2009
    Posts
    4,267
    Location
    Preble County, Ohio
    Tractor
    Kubota B7800 with FEL

    Default Re: wood stoves, other alternate sources of heat, and your insurance

    I can still shop for insurance. If an insurance company dictates to me what I can or can not do in my own home I will be looking for another insurance company. I will not pay someone a large amount of money to tell me what I can or can not do. That is just plain wrong. And I will pay what ever the extra cost to have this privilege.
    I used to do the Hokey Pokey but I turned myself around.

  6. #6
    Elite Member Don87's Avatar
    Join Date
    May 2010
    Posts
    4,226
    Location
    SW Pa.
    Tractor
    Massey Ferguson GC2400

    Default Re: wood stoves, other alternate sources of heat, and your insurance

    I have an oil furnace, with the pipe going thru the basement window(no forced vent). A chimney in the house that my coal/wood furnace is hooked into. Had a woodburner in the garage, until I replaced the roof and took the old chimney out. My insurance company said it was fine.
    Don

    MF GC2400, FEL, 60in.MMM, 5ft. Cultivator, Single Bottom Plow, Bush Hog RTC48 tiller, MF 2360 front mount snowblower, 5ft backblade. BXpanded Piranha toothbar.

  7. #7
    Veteran Member JerryK's Avatar
    Join Date
    Feb 2004
    Posts
    2,098
    Location
    Vanderbilt, Michigan, USeh?
    Tractor
    Mahindra 5035 HST TLB, 2555 HST Cab, JD 420 HST

    Default Re: wood stoves, other alternate sources of heat, and your insurance

    When I was putting a woodstove in my barn, I shopped around for an insurance carrier that would insure the barn with the stove in it. A lot of carriers did not want to talk to me after I mentioned pole barn and wood stove. I don't think it is the wood stove that is the problem, it's really the chimney... which some folks put in and forget to check/clean. Every year the paper is full of pictures of burnt down houses and barns. The bottom of the stove should be at least 18" from the floor for gas fumes. Mine is actually higher, I raised it up again last year when I redid my chimney. Makes it a lot easier to tend the fire as you get older....
    78" Mahindra front blower, 48" CID QA forks, 6' EverythingAttachments Land Plane, 78" JRW rear blower, homemade 1 ton rear weight, 6' Ford rear blade, big homemade 3pt box/carrier, 8" wood chipper

  8. #8
    Platinum Member brokenknee's Avatar
    Join Date
    May 2010
    Posts
    508
    Location
    Not far from Bemidji, MN

    Default Re: wood stoves, other alternate sources of heat, and your insurance

    When I purchased my place about a year and a half ago. My insurance company (that I have had for over 40 years) would not insure the place because of the condition of one of the out buildings. I found a local company that just excluded that building in the policy. I also changed my auto policies to them.

    I have a wood furnace in a room attached to my garage (but not in the garage). He came out, measured clearances and took some pictures. I did have to get some tin on the ceiling that the previous owner had taken down for some reason. Once I got the tin back up I was ready to go.

    I do pay a $50.00 a year extra on my homeowners to burn wood. I burn 24/7 in the winter so that cost is quickly recaptured.
    "Clarity to Agreement" Dennis Prager

  9. #9
    Platinum Member
    Join Date
    Oct 2009
    Posts
    667
    Location
    IL
    Tractor
    Ford 555 TLB, Xtra-Vator, pallet forks; Caterpillar 12 Motor Grader; FABTEK aerial platform

    Default Re: wood stoves, other alternate sources of heat, and your insurance

    I agree that you need to deal with a GOOD independent agent. A good agent will go to bat for you with a carrier. I think it's good that you found out how inept your insurance company is now rather than after you had a claim. Find a new agent, and a new carrier and don't look back!

  10. #10
    Platinum Member
    Join Date
    Aug 2009
    Posts
    671
    Location
    Dallas Oregon
    Tractor
    Mitsubishi MT372, Ford NAA

    Default Re: wood stoves, other alternate sources of heat, and your insurance

    Yep you need to shop around, I went through a similar thing when I first moved into my place. The mortage company wanted some repairs which resulted in multicolored siding (till i painted) but this and a number of other items raised the hysterics of the policy writers. One company wanted a 6 foot fence around the pond installed, another some how counted 15 structures on the property to insure. After several rounds of different companies I managed to keep one until now. But the rates are rising so I may start looking again. Of course multiple cancellations raises problems with all the others

Page 1 of 2 12 LastLast

Similar Threads

  1. Replies: 22
    Last Post: 01-20-2014, 09:57 AM
  2. To Those With Wood Stoves:
    By Iplayfarmer in forum Related Topics
    Replies: 30
    Last Post: 01-19-2010, 08:46 PM
  3. wood stoves
    By jand38 in forum Rural Living
    Replies: 48
    Last Post: 02-20-2007, 03:44 PM
  4. wood stoves
    By greenthumb in forum Rural Living
    Replies: 30
    Last Post: 12-06-2004, 08:54 PM
  5. Spoke to Insurance agent about fireplaces & stoves
    By goodoleboy in forum Related Topics
    Replies: 14
    Last Post: 10-08-2004, 07:14 PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
© 2016 TractorByNet.com. TractorByNet is a registered trademark of IMC Digital Universe, Inc. Other trademarks on this page are the property of their respective owners.