Homeowners Insurance

 
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wsherrick
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Location: High In The Poconos
Hand Fed Coal Stove: Glenwood Base Heater, Crawford Base Heater
Baseburners & Antiques: Crawford Base Heater, Glenwood, Stanley Argand
Coal Size/Type: Chestnut, Stove Size

Post by wsherrick » Mon. Oct. 13, 2014 6:18 pm

You are dealing with an agent who is ignorant of both the law and probably his own companies policy. If he isn't ignorant of it than he is deliberately deceiving you.
That would make me furious.
There is ABSOLUTELY NO DIFFERENCE BETWEEN AN ANTIQUE STOVE AND A NEW ONE. They all must be installed according to accepted practice.
FIRE HIS ASS.
Get a new agent and/or a new insurance company if necessary.
Nobody should stand between you saving thousands on your heating bill and/or doing what you want in your own darn house.
Stuff like this and little township bureaucrats trying to throw their weight around send me to the moon.
I would rather send them to the moon.

DON'T BE INTIMIDATED.
There are too many of us who use antique stoves exclusively and there are too many businesses that restore them and sell them as fast as they can get their hands on them. Antique stoves are now a big business. That dude needs to get a serious clue.


 
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jpete
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Other Heating: Dino juice

Post by jpete » Mon. Oct. 13, 2014 10:24 pm

The difference is one is UL listed and one isn't.

It's completely up to the insurance company to demand a UL listing. It just means he needs to find a new insurance company.

 
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wsherrick
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Location: High In The Poconos
Hand Fed Coal Stove: Glenwood Base Heater, Crawford Base Heater
Baseburners & Antiques: Crawford Base Heater, Glenwood, Stanley Argand
Coal Size/Type: Chestnut, Stove Size

Post by wsherrick » Mon. Oct. 13, 2014 10:47 pm

jpete wrote:The difference is one is UL listed and one isn't.

It's completely up to the insurance company to demand a UL listing. It just means he needs to find a new insurance company.
Maybe, but; I want to see if it truly is the insurance company or just the Agent. I bet it's just the Agent. It doesn't belay your point, however. He does need another company.

 
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davidmcbeth3
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Coal Size/Type: nut/pea/anthra

Post by davidmcbeth3 » Tue. Oct. 14, 2014 8:01 am

jpete wrote:Where are these insurance companies that send an inspector out and why on earth would you invite him to your house?

I've gotten insurance on more than one occasion and no one ever came out. I told them I had a coal stove but never once have they asked to see a UL listing. Or an inspection from the fire marshal.

I use Liberty Mutual if you want to give them a try.
My insurance asked if I had a WOOD stove, a replied negative. Never asked about a coal stove. And I did not volunteer this information.

And I would not allow an insurance guy into my house....unless contractually required to obtain claim $$$...and even then I would require a secrecy agreement.

 
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dad123456
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Location: mass south Shore
Baseburners & Antiques: Glenwood 116
Coal Size/Type: large anthracite
Other Heating: oil

Post by dad123456 » Tue. Oct. 14, 2014 8:15 am

what about the install doesn't that have to be by a certified installer also to be covered by your policy

 
Steve3
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Post by Steve3 » Tue. Oct. 14, 2014 8:52 am

Have you read your policy. Did you find this in your policy. It is a major pain in my tail but I read my policies each year when they come in. Every year there are changes. And when I have questions I call up the company and ask for clarification.

You could ask this agent to show you in the policy where your stove is not covered.

I never play games with insurance companies. If you lie to them and there is a claim they have every right not to pay.

 
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freetown fred
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Post by freetown fred » Tue. Oct. 14, 2014 9:01 am

I can't speak on anything but my area--I did my install in accordance with national code plus directions that I got from HITZER--my A-HOLE code guy tried being an idiot till I SHOWED HIM MY paper work--I don't think he got laid that day :roll: :clap: toothy. State Farm did have someone come out to look but there was no problem. Of course in this area, our insurance agent actually knows who they are dealing with--we are fortunately not just numbers:)


 
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SMITTY
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Coal Size/Type: Rice / Blaschak anthracite
Other Heating: Oil fired Burnham boiler

Post by SMITTY » Tue. Oct. 14, 2014 11:36 am

Yeah my ol' man had to jump through all kinds of hoops for his stove install to be "approved" by the town inspector. His town has been overtaken by Boston yuppies, so this is par for the course these days. Burned wood for 35 years with an "unapproved" setup, and never had ONE problem .... :x

 
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dad123456
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Location: mass south Shore
Baseburners & Antiques: Glenwood 116
Coal Size/Type: large anthracite
Other Heating: oil

Post by dad123456 » Tue. Oct. 14, 2014 1:19 pm

I put my system in 15 years ago Burnt wood and then went to coal never let the insurance company know I run hundred eight year old stove now that they probably won't cover anyways had a house fire 7 years ago in the kitchen and never question me on The stove in the living room I pay higher rates for insurance and limited companies will insure me because I live in what they call a century home anything for a dollar don't get me going

 
turbotom
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Post by turbotom » Tue. Oct. 14, 2014 2:11 pm

yeah im just going to continue with my install. do everything to nfpa 211 for non UL listed appliance and then call him up. Ask for the policy in writing, if im denied coverage, ill be firing him and looking for coverage elsewhere. Worst case scenario I will sell my stove and buy a new hitzer. :D

 
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wsherrick
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Location: High In The Poconos
Hand Fed Coal Stove: Glenwood Base Heater, Crawford Base Heater
Baseburners & Antiques: Crawford Base Heater, Glenwood, Stanley Argand
Coal Size/Type: Chestnut, Stove Size

Post by wsherrick » Tue. Oct. 14, 2014 2:17 pm

You want to keep the stove you have. It is a much better stove for burning the coal you have than the Hitzer is. You'll have no trouble keeping it.

 
Davian
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Post by Davian » Tue. Oct. 14, 2014 2:19 pm

davidmcbeth3 wrote:
jpete wrote:Where are these insurance companies that send an inspector out and why on earth would you invite him to your house?

I've gotten insurance on more than one occasion and no one ever came out. I told them I had a coal stove but never once have they asked to see a UL listing. Or an inspection from the fire marshal.

I use Liberty Mutual if you want to give them a try.
My insurance asked if I had a WOOD stove, a replied negative. Never asked about a coal stove. And I did not volunteer this information.

And I would not allow an insurance guy into my house....unless contractually required to obtain claim $$$...and even then I would require a secrecy agreement.
Of course, you will likely not get any payout if there is ever a fire or damage as a result of your stove...hell, it would probably void your entire policy across the board regardless.

 
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blrman07
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Post by blrman07 » Tue. Oct. 14, 2014 9:13 pm

Of course, you will likely not get any payout if there is ever a fire or damage as a result of your stove...hell, it would probably void your entire policy across the board regardless.[/quote]


REPLY TO THE ABOVE QUOTE

The amount of misinformation regarding homeowners insurance that people post is astounding. I worked in the insurance industry for 27 years as an engineer, inspector, adjuster, instructor, manager, supervisor, ASME code consultant and adviser to property insurance companies. There is nothing in a homeowners insurance policy that will deny a payout if there is a fire or damage as a result of a wood stove, coal stove, gas stove, propane stove, charcoal stove, or any other type of stove short of a nuclear reactor. Now loss or damage due to a nuclear reaction or exposure to nuclear radiation is excluded without a doubt.
The only way that I know of to sustain damage to your home due to a nuclear reaction is a nuclear blast or a nuke plant melts down. And if that happens you won't be around to collect anyway!

There is no provision in any homeowners insurance policy that voids a policy because you installed a coal stove brand new, 10 years old or 100 years old, UL or non UL!!!! I surely do wish people who know absolutely nothing about insurance, claims adjusting, and loss assessment would stick to what they do know something about.

Am I peeved???? You bet. This is similar to people saying you have to install a SS liner in a chimney or it will void your policy. Remember that little tidbit? How about the thread a few months back where someone was saying it was against the law in NY state to build a masonry chimney? Remember that one also?

Ok Rant is over now till the next insane statement.

 
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dad123456
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Location: mass south Shore
Baseburners & Antiques: Glenwood 116
Coal Size/Type: large anthracite
Other Heating: oil

Post by dad123456 » Tue. Oct. 14, 2014 9:24 pm

well there goes that nuclear reactor idea I had lol

 
Davian
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Post by Davian » Tue. Oct. 14, 2014 9:32 pm

No need to rant man...Its just in my experience, insurance companies tend to find whatever reason they can not to pay out on a policy.


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