Scottsman wrote:They stove is an older one (maybe mid-80's), but it was UL tested--has the tag and all. I have steel wall protection on 1" pipes and everything, but they still fussed. Whatever--they have a right to pick and choose their risks. But it's funny because my next door neighbor has an older wood and coal stove in his basement and is insured with them with no problems. Maybe they light his better because it is in the basement. Or maybe his agent wrote it up different.
I would have just told them ok then I'll only burn coal. A couple of times they came over my place for an inspection in the summer and I always made sure to have a big vase of flower on the cookstove and it always got a compliment and a smile but never an ask if it actually worked!
I have a new oil boiler in the basement that has run for one single 5 day week last winter when I was away. Guess they figure thats the main heater?
Like Samhill said, How dare you actually file a claim! Sheesh, these guys slay me. I've never had a claim in 20 some years here in this house. One time I had some raccoon damage on the soffetts and in the eves but that wasn't covered, but you'll be happy to know sir, that if a volcano ever erupts and causes damage, I'm covered for that!
Lovely and makes perfect insurance sense (wink wink) since there are none around here.