NO STOVE ALLOWED IN GARAGE - SAYS INS. CO.

i i have my house,shop,mothers house, and both rental propertys heated with coal boilers through State Farm, no problems, or questions.SCRAPPER

Poconoeagle wrote:Maybe if you phrased is differently? heating appliance? or certified heating applience? or boiler or such?:

Probably don't want to play word games with them ... may cost you in the end ... you can have them exempt any damage caused by it (but then you are taking the risk).

How about outside coal burning units that are available?

stokerstove wrote:If they are worried about an open flame with possible gasoline vapors etc. in the garage, then what's the difference with an oil or gas fired unit?
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Most don't like these either ..

All building codes that I've seen prohibit "solid fueled appliances" in garages. That's a fact.

Now for the difficult part. What's a solid fueled appliance? The codes are not clear, but in general any solid fuel appliance with a direct open door path to a flame would be prohibited. The code does allow an appliance manufacture to certify where a "solid fueled appliance" can be used. So if your particular appliance is garage certified in could be used and not in violation of the law. My opinion is coal boilers would be more likely be certified than coal stoves. The code does also allow for "an engineered" solution to the safety hazard. This is where an installation would have a Professional Engineers seal on the design drawings. In effect this is transferring the design risk to the P.E. A third method is approval of the "Authority Having Jurisdiction". This is usually your state's fire marshal. Good luck trying this.

Now what does an insurance company have to do with this? Nothing, absolutely nothing. They have no authority to enforce laws. They can't waive any law requirement. What they do is insure risk. They look at your installation and judge if you are a reasonable risk. In principal, higher risk, higher premium. Too high of a risk, for one insurance companies underwriting polices results in no coverage. A insurance company will insure risky things, even stupid things for the right premium.