NHmitch
Platinum Member
My insurance company had to approve the wood stove, and it was hard to find one that would insure a house with a wood stove, and livestock. Lucky for me, I live and New Hampshire, and this is pretty commonplace, but most companies require inspection from the fire department, and you have to meet building codes, and fire codes to install a wood stove or a pellet stove. It is due more to them wanting to ensure that you have the proper clearances from fire-resistant wall surfaces, and the proper chimney and chimney clearances installed. My insurance company required that a licensed contractor installed the stove. Lucky for me, my brother's friend was a contractor, and we did it ourselves. to save money. They also required that the top of the chimney clears the peak of the roof, for proper draft. They want to make sure that you wood stove, or pellet stove chimney do not mix with a oil furnace chimney, as this can have very bad consequences, not only from creosote buildup, but from a potential co2 leak in your home.. When we bought our home, the main source of heat, was an oil furnace, and the secondary heat was a wood stove, that was piped into the same chimney in the basement. They made us remove that wood stove, and cap the hole properly before I could buy the house, and insure it. We had to put in a second chimney for the wood stove, and it had to be triple walled pipe, in the attic, and where it passed through the roof.