The new EPA Law for wood heater is about to become law.

No way would she ever come out un announced. She lets the local agent take care of the appointments. The local agents goes with her, and the homeowner is always there.

You may need to look for another company.

Gene

Have you?
No, I haven't, but when they give me a policy stating they are insuring me, then i take it as they are insuring me. If your experience is different, then I am sorry.
But your experiences hardly account for everyone, every where.
You made a blanket statement about insurance companies, and your wording implies "all" insurance companies.
Then in a follow up post, you spouted off at someone else about how bad blanket statements are.
Perhaps a look in the mirror is in order???

Pot or kettle.

In our culture, stereotypes happen because a certain behavior is repeated among a set group of people.

Bankers are selective in whom they will do business with, and they will add fees and interest rates 6 different ways into any business they do.

A lawyer may know that you are guilty, they will spend hours scheming how to get you to be 'proven' innocent, and they will go into a courtroom and lie like a rug, in the hope of getting their client released. It is their profession, and considered honorable among other lawyers.

Car dealers will only give you $1,000 for your broken-down beater on Monday, but after a wash and wax, on Tuesday the same beater will have a $5,000 price tag on it. With the dealer insisting that it is a great car.

Insurance adjusters, well, who has not been screwed by an insurance adjuster?

As readily as a sailor walking off his ship in a new port, is looking for the nearest bar. These are stereotypes because, these are in fact the behaviors that these professions do.

If anyone thinks for one second that an insurance adjuster will NOT try to avoid paying on a claim, that person is an idiot. As much so, as a guy with a low credit rating thinking he is going to get a low interest rate. Or anyone who thinks that a dis-barred lawyer turned president is capable of speaking the truth on any topic.

Every insurance salesman will say that his company pays claims. Every house fire, every flooded house, every time a house is destroyed by tornado, there will be an adjuster trying his best to figure out a way that he can say it was the home-owners fault.

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http://www.mofga.org/

http://www.mofga.org/Programs/FarmAp...2/Default.aspx

I build my own woodstoves.

My insurance underwriter happens to be the Author of the Perfect Law of Liberty.

The storms have been many and the damage extensive.

I've always been provided the necessities, plus, throughout.

__________________
“I would remind you that extremism in the defense of liberty is no vice! And let me remind you also that moderation in the pursuit of justice is no virtue.” Barry Goldwater.
III

Well, quite a number if people have woodstove here. Quite a few of those are homemade.

I know four people with wood stoves...two were homemade

Out of the four....now I am only counting and looking at woodstove,house burnt down and the had home into.

One hundred percent were covered, arson crew comes in and find the cause or most likely cause.

Just the regular hassle of paper work.

I actually had an insurance adjuster explain his job to me once.
When you file a claim of say, $10,000, the insurance company sets aside that $10,000 for you, but then sends an adjuster out to try and talk you down. If he can, by any means at all, convince you to sign off on, say, $7500, he just saved the company $2500.
The adjuster gets paid a salary, but then gets a bonus every year or every quarter which is based on how much $$$ he saved the company.
So yes, the adjuster might tell you that you aren't covered, but just because he says something, it doesn't make it so.
When you have a policy, in writing that says your insurance covers your house invade of fire, and notes that you heat your house with a wood burner, and in my case, includes a signed affidavit from the fire marshal that your wood burner is installed to meet specs, then the company doesn't have much wiggle room to avoid paying your claim.
Now, they might try to convince you that you aren't covered because the moon was full and a mosquito bit you on the elbow, but if you have your contract and policy showing you are covered, there isn't much they can say.

Not fire related, but I had to file a claim once when a drunk driver crashed into my house. I had two different estimates, both over $20,000, to fix the house. My own insurance company sent three different adjusters out to inspect the damage, each one trying to convince me that the damage wasn't that bad and each wanting me to sign off on their estimates, ranging from $8000-$11000.
I refused to sign anything from them, got ahold of the drunks insurance company, Progressive, and had a check for $21,500 in two days.

Not fire related.

I insure with Erie, house and auto. Had 3 claims in 20+ years of being insured.

1. Stone hit winshield, they replaced, no deductible. Sent the guy to the house to do it.

2. Wife ran tractor into car (no, don't ask), they paid well.....was a $100 deductible, but they covered over $2,000 in body repairs.

3. Washing machine didn't quit filling one day (located in kitchen), water ran out and soaked new hardwood floors in living room. They paid very fairly, less deductible (which was $1000 at the time)......and since I did the labor, really, even the deductible was covered. (I've since remodeled that washer area and put a floor drain under it.....THAT won't happen again ! )

They have always been very fair to me, and I hear the same from other Erie folks.

I live in the home county where Erie Insurance is headquartered (Erie County, PA). Nearly everything I own including all of my businesses are insured by Erie. I've never, ever had anything but great service from them.

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'Emergencies' have always been the pretext on which the safeguards of individual liberty have been eroded.

Friedrich August von Hayek

This so far has been through two agency's and two underwriters.
the First sent out at least three Inspectors unannounced, and the second
sent out one when we started the policy.

They don't care. I have demanded more than once that they call before comeing out-they do what they please. It's why we have a fence going up, with gates. It would be done already but all we have is the posts in.


For all the rest, the government now controls the insurance companys-so the gov, looks likes it's hands are clean. Don't fool yourself ,it's the gov that allows ins. cos. to do what they will.

PS. make sure only your structure is insured for fire and not the entire cost of your morgtage. Example- you live on 80 acres with house= worth total 300.000 don't insure for the replacement cost of 300,000 ,only insure for the house.

I'm seriously considering a sign saying Admission by Permission only for my locked gate.

Best one around. And always good on His word, too.

Ok we have a Wood Stove Insert, we had it inspected before start of the season and presented Inspection to our Insurance Company.

Like I told my wife we have Brush to clean our Flue, no Big deal but like I told her just be on safe side maybe we should hire the same Chimney Sweep we got last year to clean and check it over again.

Funny thing is I get it heated up unless you look close you can't tell if there is a fire.

big rockpile

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I love being married.Its so great to find that one person you want to annoy for the rest of your life.



If I need a Shelter
If I need a Friend
I go to the Rock!

Next Guy out unannounced will have charges brought.

Had a visitor a few weeks back, we only ever see the mail lady or UPS, and the meter reader. Sit well back off the road and behind cover.
Called the Agent had them check and see if it was anything connected to them,nope...

But I know from the tracks this guy came to the back door ,turned around and went back down drive and got out and walked and looked in the front window.

Dogs never made a noise, I only seen him cause he probably got spooked when I turned on my Music.
Sun Had come out And I seen his shadow flash across the bedroom curtains.

There is a reason I need notice.
Its for my safety and theirs.

I made sure he took notice of me as he was going down the Drive, hope that is enough to keep him from coming back.

When we leave now we lock the front gate and the second one.

May even put a sign on the front that says "DANGER BEWARE OF BULL"

The Governments patsys, they and everyone else works for the Banks.
Slavery at its finest.

Follow the Money.

I had to go to 3 insurance companies to get one to insure my catalytic wood stove .They also required pictures of it .

Sounds to me like the utility companies' lobbyists have been busy trying to force us fully onto the grid. Why chase the little guy around when there are major corporate polluters who only get a slap on the hand?

"it does not apply to new or existing heaters that are fueled solely by oil, gas or coal."

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Moving to that big black hole in the night satellite photo. (also the hole in cell phone coverage )