Chimney questions

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Telling someone to bow down to a company that works for you is bad advice.

Boy are you on a roll today. Your reading comprehension is usually better than this. An insurance policy is a contract. If you break said contract for any reason, the contract agreed to by you and your provider when the policy is enacted, they have the right to rescind coverage. Again.... This varies by insurance and state. Similar to flood insurance that most people dont know they dont have until they need it. The devil is in the details and you'd better know what your insurance allows for.
That's not bowing down to anyone Sean. That's just plain common sense, which you generally seem to have.


and the insurance companies must follow the same rules for coverage the same as any other heat source.

Wrong. Very wrong. Indoor wood stoves are a higher risk from the insurance co perspective compared to other heat sources for many reasons. Open flames, possible CO, lack of maintenance that can lead to fires. IMPROPER INSTALLATION. Generally you are looking at an increase in premium to mitigate the increased risk the ins co is assuming. You won't see them increasing your premium for installing a heat pump right? Different requirements.

You can talk to them all you want, at the end of the day, they cannot deny coverage, all or in part because you heat your house with wood.

More really bad information. There is no law stating what ins must cover when it comes to wood stoves aside from whatever they have agreed to cover in writing. And as a homeowner you better know what your agreement is with your ins provider. Sticking your head in the sand and hoping you never have a claim or expecting that they will cover it because "they work for you" will not get you far in life.
 
Boy are you on a roll today. Your reading comprehension is usually better than this. An insurance policy is a contract. If you break said contract for any reason, the contract agreed to by you and your provider when the policy is enacted, they have the right to rescind coverage. Again.... This varies by insurance and state. Similar to flood insurance that most people dont know they dont have until they need it. The devil is in the details and you'd better know what your insurance allows for.
That's not bowing down to anyone Sean. That's just plain common sense, which you generally seem to have.




Wrong. Very wrong. Indoor wood stoves are a higher risk from the insurance co perspective compared to other heat sources for many reasons. Open flames, possible CO, lack of maintenance that can lead to fires. IMPROPER INSTALLATION. Generally you are looking at an increase in premium to mitigate the increased risk the ins co is assuming. You won't see them increasing your premium for installing a heat pump right? Different requirements.



More really bad information. There is no law stating what ins must cover when it comes to wood stoves aside from whatever they have agreed to cover in writing. And as a homeowner you better know what your agreement is with your ins provider. Sticking your head in the sand and hoping you never have a claim or expecting that they will cover it because "they work for you" will not get you far in life.
I know exactly what my insurance policy says, what it covers, doesn't cover. Just like you should, or anyone else should. Most don't. As with any "contract" both sides reach an acceptable agreement, for an acceptable amount of money.
Only a fool bows to them. They absolutely work for you, you don't work for them. Insurance is one of the largest legal scams, I'm not a fan of being scammed, and that's exactly what the job of the insurance company is, take your money and cover you for as little as they can if something happens. But we have these things called laws, which stipulate quite a lot about building codes etc. Under fair trade and business laws you cannot be denied coverage if you meet or exceed all federal, state, and local building requirements. It's basically that simple.
Unlike most, I've had this battle. Best advise isn't to kiss your insurance companies rear end. Get informed of your building codes, and governing laws by someone that knows them. Its not stuffing your head in the sand or whatever pithy term you want to call it.
oh, I guess I should mention, my house is heated with a UL listed, epa approved solid fuel furnace. Not a "wood stove." That was the first error the insurance company made when we initially bought the house. Get educated, by people that know the laws, not the people that want to take your money and screw you over.
 
They are a bunch of educated idiots, and most have zero clue what they are talking about. All the issues I had with them during the replacement of my old masonry chimney, and them telling me I had to use class A triple wall insulated chimney or replace with traditional masonry chimney was total bs, as I found out later when I had a certified chimney inspector come out to check over everything after the installation was complete.
You'd be much better served to just get a professional out, that does it for a living vs going off the insurance companies idiot that has zero clue.
Well I’m one of those insurance company idiots! Been an inspector for over 22 years and I’ve seen it all. Your comment is like me saying all homeowners are idiots!
There are good and bad in every industry. From the number of poor installs I’ve seen over the years, hire a professional. In Canada they are required to be WETT certified.

PS that stainless chimney in the prior post is a chimney, not a stovepipe ffs!
 
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