Insurance Company Approval

I'm in the process of installing a Leisure Line Econo stove with direct vent kit. My insurance company said it wouldn't be a problem or raise my rates as long as they came out and inspected it. They said they would check clearances and ensure they matched what was in the manual for each individual part of the unit.

Looking through the photos on this site, I notice that many people have their direct vent outlets within 4 feet of windows. This is one thing that is becoming somewhat of a problem for me. I can make it work, but it may prose problems with clearance of the stove (installing in a corner).

Also, there has to be a minimum of 16 inches in front of the stove on the stove pad. Again, I notice that many people's isn't.

How did you all get your stoves insured? Did you require inspections? I don't want to have to go through a huge hassle, but I need my homeowners insurance to cover me too. Any ideas?

To be honest, I just brought it home, hooked it up and started it up. I live off the road quite a bit so no nosey neighbors would be able to call the authorities....

It's not the authorities I worry about. Where I am, no one would be the wiser. But if a fire were to result, I'd hate for the insurance company to not cover me. Especially since I still owe a good amount on my mortgage...

Perhaps I just shouldn't have told them...

Basically if they don't know about it AND there is a code violation or something wrong with the install or something you did and a fire is the result, your finished. That's why they want to know and approve the install. It's your saftey, they only lose a little money (but for what, an hour?).

At this point, I'm definitely going to get it inspected. I'm just worried about clearances for the front of the floor pad. Since I'm installing it in a corner, I'll need a 45* bend in there. Not to mention fitting the baro damper in there as well. Just hope I have enough room!