Unlisted stove liability? Installation CO. Just flaked out

Re: Unlisted stove liability? Installation CO. Just flaked out

PostBy: Sunny Boy On: Wed Jul 23, 2014 9:45 am

Lightning wrote:From what I understand, the ins company has to pay the claim unless you burned the house down on purpose. This whole issue was brought up on another thread where a poster in the insurance field commented.

But I'm sure they could give you a hard time about it if they wanted to..


Yup! A lot is covered, but some you have to fight for that after the fact. Happened to a neighbor two doors over.

Their carriage house entire roof collapsed in from excessive snow that winter. Their insurance company told them it was not covered.

The neighbor who lives in between us is an independent insurance agent, but not a rep with that insurance company. He looked over the policy and sure enough, it was covered. He called the company and went to bat for the carriage house owner.

If the carriage house owner had just taken the insurance company at their word, he'd have gotten nothing. Thanks to the insurance agent neighbor stepping in, he got a new roof.

Paul
Sunny Boy
 
Hand Fed Coal Boiler: Anthracite Industrial, domestic hot water heater
Baseburners & Antiques: Glenwood range 208, # 6 base heater, 2 Modern Oak 118.
Coal Size/Type: Nuts !
Other Heating: Oil &electric plenum furnace

Re: Unlisted stove liability? Installation CO. Just flaked out

PostBy: ddahlgren On: Wed Jul 23, 2014 6:13 pm

Download the National Fire Code it explains all the questions about distances with data any insurance company will go along with.
ddahlgren
 
Hand Fed Coal Stove: Crane 404

Re: Unlisted stove liability? Installation CO. Just flaked out

PostBy: blrman07 On: Wed Jul 23, 2014 7:35 pm

Sunny Boy wrote:
Lightning wrote:From what I understand, the ins company has to pay the claim unless you burned the house down on purpose. This whole issue was brought up on another thread where a poster in the insurance field commented.

But I'm sure they could give you a hard time about it if they wanted to..


Yup! A lot is covered, but some you have to fight for that after the fact. Happened to a neighbor two doors over.

Their carriage house entire roof collapsed in from excessive snow that winter. Their insurance company told them it was not covered.

The neighbor who lives in between us is an independent insurance agent, but not a rep with that insurance company. He looked over the policy and sure enough, it was covered. He called the company and went to bat for the carriage house owner.

If the carriage house owner had just taken the insurance company at their word, he'd have gotten nothing. Thanks to the insurance agent neighbor stepping in, he got a new roof.

Paul


To use a Sting quote....."it depends."

If you have the Basic form, it excludes collapse due to the weight of ice and snow. If you have the Broad Form, collapse due to the weight of ice and snow is covered.

Whenever any representative of any insurance company says a claim is not covered, have them quote you the policy wording chapter and verse so to speak and make sure it's the same wording in the policy that you have in your hands. Don't accept anything less. I was a boiler and machinery Claims Adjuster in my previous life for 27 years in and around Chicago. Now I guess I am doing my "penance" as a Pastor of a small start-up storefront church in a small town in the southern coal region of NEPA.

Rev. Larry
New Beginning Church
Ashland Pa.
blrman07
 
Hand Fed Coal Boiler: Bucket a Day
Hand Fed Coal Stove: Vigilant Casting 2310
Baseburners & Antiques: rebuilding a 1906 March Brownback Double Heater, using a UMCO 1920's Pot Belly stove in the church
Coal Size/Type: Pea/Nut/Wood in the VC and anything that will fit in the Bucket a Day. It's not fussy.

Visit Hitzer Stoves

Re: Unlisted stove liability? Installation CO. Just flaked out

PostBy: UncleDoDat On: Sun Jul 27, 2014 11:08 pm

Hey guys, Sorry about my tardiness on this post, but I've been spending a lot more time with the family out doors. Hard to find the time. I'm calling the insurance people in the AM I have Liberty Mutual. I've been reading other's post concerning their home owner's insurance nightmares. I don't think I have an issue, but best believe if I do. I will posted it here. Also I have decided to just wait for Mr. Herald #6 arrives then make the necessary installer choices. I figure if is here the same time so that they may see it. That may help them visually see what installation requirements may be needed.
UncleDoDat
 
Hand Fed Coal Stove: Herald #6
Baseburners & Antiques: Herald #6
Coal Size/Type: Nut & Stove Size
Other Heating: Natural Gas

Re: Unlisted stove liability? Installation CO. Just flaked out

PostBy: ddahlgren On: Mon Jul 28, 2014 1:22 am

UncleDoDat wrote:Hey guys, Sorry about my tardiness on this post, but I've been spending a lot more time with the family out doors. Hard to find the time. I'm calling the insurance people in the AM I have Liberty Mutual. I've been reading other's post concerning their home owner's insurance nightmares. I don't think I have an issue, but best believe if I do. I will posted it here. Also I have decided to just wait for Mr. Herald #6 arrives then make the necessary installer choices. I figure if is here the same time so that they may see it. That may help them visually see what installation requirements may be needed.


I have Liberty Mutual as well. I quoted the NFPA code that I followed and called the local fire marshal check it out. I have known him since he was a kid as I was friends with his dad. He said if I followed it he was fine and Liberty said the same with no increase in rates.
ddahlgren
 
Hand Fed Coal Stove: Crane 404

Re: Unlisted stove liability? Installation CO. Just flaked out

PostBy: UncleDoDat On: Tue Jul 29, 2014 12:10 am

Well I spoke with Liberty Mutual today. They're talking about an extra 43 bucks a year. I don't think that's too bad but I'm going to check with USAA considering my father was a Veteran just to see if it would be cheaper all together. I'm currently paying $808.00 yearly.
UncleDoDat
 
Hand Fed Coal Stove: Herald #6
Baseburners & Antiques: Herald #6
Coal Size/Type: Nut & Stove Size
Other Heating: Natural Gas

Re: Unlisted stove liability? Installation CO. Just flaked out

PostBy: tcalo On: Tue Jul 29, 2014 6:51 pm

UncleDoDat wrote: I'm going to check with USAA considering my father was a Veteran just to see if it would be cheaper all together.

I'm a veteran and currently have USAA, no additional costs in my policy for my coal stove.
tcalo
 
Hand Fed Coal Stove: Chubby Coal Stove
Coal Size/Type: Nut Anthracite

Visit Hitzer Stoves