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  #1  
Old 10/11/09, 01:05 PM
paulaswolfpack's Avatar  
Join Date: May 2006
Location: near the current river in mo.
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Question Insurance house with wood stove

I am buying a home with a woodstove and base board heating.
The home is 25 years old the insurance company's are needing papers from the install in order to insure the home.
The old owners who bought the home 2 years after it was built have never had such papers the builder of the home did it himself I am no expert but from what I seen it looks to be well done the stove sits on a 8ft x 8ft and 1ft high of stone the walls are stone around the stove.
How do I go about getting the stove certified?

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  #2  
Old 10/11/09, 01:12 PM
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Call a guy that installs them to come inspect it. Thats what I had to do. As long as he is certified he can inspect it and say if its safe or not.

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  #3  
Old 10/11/09, 08:04 PM
ET1 SS's Avatar
zone 5 - riverfrontage
 
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Around here it is very nearly impossible to get insurance if you have a wood stove.

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  #4  
Old 10/11/09, 08:17 PM
 
Join Date: Jan 2009
Location: State of Insanity
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We had to take ours out. They want you to get a corn stove or pellet stove instead? It made us mad since we planned to use it. When I asked what would happen if we lost power we would not have heat he told me that we should get a generator to run the pellet stove--we could run the furnace with it instead.

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  #5  
Old 10/11/09, 08:22 PM
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When we got this place we called and called and called about HO insurance and were flatly refused, but not until we had answered hundreds of other crazy questions.
Then we called the Farm Bureau Insurance folks.. they asked us three questions.. how old, how close to a hydrant and how big footage wise. That was it.. I had to ASK about wood heat and they just didn't care. Sent a guy to take a picture of the outside of the house and that was it.
So far, so good with them...

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  #6  
Old 10/11/09, 08:23 PM
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Join Date: Jun 2005
Location: KY
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i live in idaho and have a wood stove with no problems
Ins guy comes out takes pics and give me insurance. i would contact another insurance company.

My friend down the street had to have triple wall before they would insure.

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  #7  
Old 10/11/09, 08:24 PM
 
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Call your insurance company and ask them what exactly they need.
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  #8  
Old 10/11/09, 08:48 PM
 
Join Date: Jun 2005
Location: NW Georgia
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My agent (State Farm) came out and inspected mine. The insurance is higher than I would like, but they still insured it.

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  #9  
Old 10/11/09, 11:27 PM
 
Join Date: May 2008
Location: North Carolina
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Oh dear

"I have this friend" that put in a really wonderful woodstove and never
told the insurance company. Now that "friend" is worried that if her
house burns down she would not get any money because of the wood stove.
Can't she say she didn't know it would be a problem??

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  #10  
Old 10/12/09, 12:00 AM
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Quote:
Originally Posted by nancy237 View Post
Oh dear

"I have this friend" that put in a really wonderful woodstove and never
told the insurance company. Now that "friend" is worried that if her
house burns down she would not get any money because of the wood stove.
Can't she say she didn't know it would be a problem??
woodstove + not telling insurance company = BIG problem
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  #11  
Old 10/12/09, 09:15 AM
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Location: Illinois
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I built my own home back in '89-90.
I put a wood stove in first thing and never bothered purchasing any "insurance". Nor will I ever.

Freedom is taking responsibility for your own provision, for what that might be worth here.

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  #12  
Old 10/12/09, 10:26 AM
 
Join Date: Apr 2007
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Quote:
Originally Posted by paulaswolfpack View Post
I am buying a home with a woodstove and base board heating.
The home is 25 years old the insurance company's are needing papers from the install in order to insure the home.
The old owners who bought the home 2 years after it was built have never had such papers the builder of the home did it himself I am no expert but from what I seen it looks to be well done the stove sits on a 8ft x 8ft and 1ft high of stone the walls are stone around the stove.
How do I go about getting the stove certified?
THe fire department can come out and inspect it and that will work for your insurance company most of the time.
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  #13  
Old 10/12/09, 10:30 AM
 
Join Date: Dec 2008
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Quote:
Originally Posted by nancy237 View Post
Oh dear

"I have this friend" that put in a really wonderful woodstove and never
told the insurance company. Now that "friend" is worried that if her
house burns down she would not get any money because of the wood stove.
Can't she say she didn't know it would be a problem??
Your friend should call her insurance company today.
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  #14  
Old 10/12/09, 10:31 AM
 
Join Date: Dec 2008
Location: north Alabama
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"I built my own home back in '89-90.
I put a wood stove in first thing and never bothered purchasing any "insurance". Nor will I ever.

Freedom is taking responsibility for your own provision, for what that might be worth here."

My bet is that your installation is twice as safe as anyone elses. Lack of insurance makes you think more about HOW stuff could happen.

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  #15  
Old 10/12/09, 02:12 PM
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Quote:
Originally Posted by Harry Chickpea View Post
"I built my own home back in '89-90.
I put a wood stove in first thing and never bothered purchasing any "insurance". Nor will I ever.

Freedom is taking responsibility for your own provision, for what that might be worth here."

My bet is that your installation is twice as safe as anyone elses. Lack of insurance makes you think more about HOW stuff could happen.
Yup.

See my tag line quote.
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  #16  
Old 10/12/09, 02:17 PM
 
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Quote:
Originally Posted by nancy237 View Post
Oh dear

"I have this friend" that put in a really wonderful woodstove and never
told the insurance company. Now that "friend" is worried that if her
house burns down she would not get any money because of the wood stove.
Can't she say she didn't know it would be a problem??
Your "friend" is right to be worried, because that is exactly what would happen.

She should call her insurnace company immediately.
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  #17  
Old 10/12/09, 04:44 PM
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Join Date: Sep 2005
Location: Ohio
Posts: 18,542

In most locations you can't get a loan if you don't have insurance. Not all of us can build our own home with cash up front.

Our insurance agent just took pictures of our stove and told us to keep stuff away from it if we ever used it. It sat unused for 15 years. Dh cleaned the chimney, put a cap on it, put new pipe on the back of the stove and added a air regulator to the back. Of course now it would never pass an inspection because of the pitiful way the previous owners wired the fan motor. That will be changed asap. It works and is safe, it just looks bad.

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  #18  
Old 10/12/09, 05:51 PM
ET1 SS's Avatar
zone 5 - riverfrontage
 
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Quote:
Originally Posted by Harry Chickpea View Post
"I built my own home back in '89-90.
I put a wood stove in first thing and never bothered purchasing any "insurance". Nor will I ever.

Freedom is taking responsibility for your own provision, for what that might be worth here."

My bet is that your installation is twice as safe as anyone elses. Lack of insurance makes you think more about HOW stuff could happen.

Good idea.

A lot of 'homesteaders' have built their own homes.

No bank loan and no insurance, means closer to self-sufficiency.
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  #19  
Old 10/12/09, 11:58 PM
paulaswolfpack's Avatar  
Join Date: May 2006
Location: near the current river in mo.
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Thank you for all your help I called an installer just going to cost $75. The other quotes from insurance companys were just much higher this policy is for $115,000 for $48.00 a month the best quote I could get . I only paid $48,000 for the home and 41/2 acres its a nice 2 bedroom in the Loyld Wright style lots of river rock on the inside.The home has only had the owners come and stay 2-3 times a year it looks brand new I can not wait,
Thanks for your help,Paula

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A WOMAN MUST NOT RELY ON A MAN TO PROTECT HER, SHE MUST LEARN TO PROTECT HERSELF.
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  #20  
Old 10/13/09, 05:54 AM
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Quote:
Originally Posted by ET1 SS View Post
Around here it is very nearly impossible to get insurance if you have a wood stove.
All we have is wood to heat with. We had to go with a local company that insures a lot of the Amish that use insurance. Washington Mutual. We did not have to show any papers or anything.
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