Insurance For Wood Burning Stove

[RoyJackson]

Believe it or not, there is still folks out there that rely on wood burners for heat in winter because THAT IS THEIR ONLY OPTION!... End rant

The use of wood burning stoves as a primary heat source isn't uncommon in the New England area...

 

[kartingdad]

My Farm Bureau agent also said no, but I took a old furnace add on (forced air) and built for lack of better terms a dog house 8 feet from the back side of my building and then ran a double duct work tube across and put it threw a window. heats my 20 x 44 shop great. Had my agent over to check it out and he said as long as I'm 8 feet I am ok. I bought the woodstove in the summer off of Craigslist for $150 and maybe another $150 for duct work and wire and steel to make the dog house.

 

[steveessie]

My Farm Bureau agent also said no, but I took a old furnace add on (forced air) and built for lack of better terms a dog house 8 feet from the back side of my building and then ran a double duct work tube across and put it threw a window. heats my 20 x 44 shop great. Had my agent over to check it out and he said as long as I'm 8 feet I am ok. I bought the woodstove in the summer off of Craigslist for $150 and maybe another $150 for duct work and wire and steel to make the dog house.

go you have any pictures of this? The "doghouse" (inside and out) as well as the duct work from outside to inside? Would love to see some pics for some ideas.

 

[smiley]

The use of wood burning stoves as a primary heat source isn't uncommon in the New England area...

We've always used wood and coal as primary heat since my parents bought the property in 1932 and I still use it and never had an insurance issue. We have Allstate and they ask if we have a wood stove or fireplace, I say both, they write it down and no problem. We do have oil but it comes on only occasionally at night so maybe they consider oil primary and wood as backup???

 

[kartingdad]

Ok, this didn't happen without trials a tribulation, took 3 tries and it not saying that it's the only way to do it.
Try 1 Bought stove and thought that I could out think physics. I moved the fan from the cool bottom and placed it next to the top and put the duct work on the bottom to run it the duct work underground to the building and come up through the floor. Problem fan was sucking hot air because the dog house got hot and it kicked the GFI switch where the fan was plugged in at and then the heat from the stove melted the motor and dang near burned down the whole outfit.
Try 2. Put the fan back down low. made a new top cover with a 8" outlet, then dropped it down to still go through the duct work underground. Problem. If the fan is not running, no heat is coming in and as the stove starts to die out the fan kicks on and off on and off because I have a heat switch hooked up High on the stove and no thermostat in the shop.
Try 3 Put a window in the back wall of the shop, ran a 8" duct work inside a 14" duct to protect it from the weather, then run the underground one to the fan to make it my cold air return. Problem hot air blowing in right on top of the cold air return and it just makes a small circle, no heat in shop.
Try 3.A Moved the cold air run over to the side and down the shop wall, now pulls the air down the shop and down from the ceiling. As the stove starts to die down the warm air just keeps flowing in the shop just not with the force of the fan.
AHH Tractor gets all warmed up while I'm eating breakfast, go plow snow , put the tractor back in and it gets all nice and warm and melted off, ready for the next snow storm to hit.
My shop is only part of my building so I control the temp by opening the door between the shop and storage area . The stove is not shy about eating wood, burn more in half a day than I do all day heating my house, but BLUE is worth it..

 

[Fahmahdave]

I have an indoor wood stove here in Maine. The only reason I have insurance for it is because it's "grandfathered". I put an addition on and figured an out door unit would be more efficient so I installed one about 70 feet from the house. It all worked beautiful until my insurance did it's reassessment of my property. They told me they wouldn't insure the outdoor unit, the woodshed it was attached to, or any personal liability if a neighbor files a suit or claim because of smoke, soot, or any other reason. If that wasn't enough, they also decided that my main barn needs paint, a new roof within the next two years, and so on and so on. Insurance companies suck!!