Do wood stove/furnace/boiler mods void ins coverage?

[MNfarmer]

Ive made a few modifications to my indoor wood boiler and I've wondered at what point the ins co could say it's no longer is insurable. All I've done is add a draft opening in the ash door to get it more air. Has anyone had that happen to them?

 

[turnkey4099]

Ive made a few modifications to my indoor wood boiler and I've wondered at what point the ins co could say it's no longer is insurable. All I've done is add a draft opening in the ash door to get it more air. Has anyone had that happen to them?

If you had a house fire traced to the stove, probably.

 

[stihly dan]

I doubt they would know the appliance good enough to tell. I think it would have to be really bastursized for them to notice. Not many people are proficient in all these units.

 

[NSMaple1]

I wouldn't put it past an insurance adjuster, or make assumptions they wouldn't.

 

[Little Al]

With out being disrespectful if you have carried out a "tidy" mod I doubt if a general assurance assessor would know; the reason I say this is I have 2 "Godin" wood burner stoves bought at the same time same model with only 200 difference in serial #'s yet they have several differences so i would think the guy would have to be a Stove " rivet counter" to know, & from my bits of kit could still come unstuck

 

[Whitespider]

Technically, if you read the fine print of most any insurance policy, if you make any "unauthorized" modifications to a UL certified appliance your insurance can/could deny coverage for loss if the cause can be traced to the "modified" appliance.
But the same can be said if your insurance company determines you didn't properly maintain the appliance, or it was improperly installed, or...
(shrug)
*

 

[MNfarmer]

!

 

[MNfarmer]

Ok thanks!

 

[Streblerm]

My experience with insurance companies is that they will use any excuse legitimate or not to attempt to deny a claim. If you are going to make mods then make sure you know what you are doing and keep them clean.

Wether or not your insurance will cover a fire should not even be a close second consideration to will my actions cause a fire.