Insurance

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HatCityIAFF

Burning Hunk
Oct 26, 2011
137
Western CT
First question on the questionair. "was the stove installed by a professional installer, such as a contractor or retailer?" No it wasn't, installed by me. Slid the insert in, dropped the pipe down the chimey, and connected it. Didn't think I needed to pay someone upwards of $1000ish to do this. Building inspector came out, approved the instalation. Do I answer yes to this?
 
No. Usually the insurance company will accept a copy of your building inspectors sign off. All areas are different, I had to get a permit the building inspector signed off on it and I sent that in to the insurance co.
 
Im doing this right now as well.
On my questionare I am putting "owner" in all the installer questions. That's what the fire inspector wrote on all my permits and approvals.
 
Whatever, be truthful. We've installed every one of our stoves ourselves. The last time, I took pictures and sent them to our agent. Company very happy.
 
Ours wants to see a professional install.. I'm going to put owner in that blank as well and include the inspection documentation as well as photos and cross my fingers!
 
I'm in the "always tell the truth" camp . . . especially since the follow up question the insurance company will have now or in the future (if something goes wrong) is "Who was the installer?" . . . along with the unwritten and unstated comment . . . ". . . so we can sue them should anything go wrong in the future."

As noted . . . I would point out that you installed this per code and it was inspected "professionally" before being put into use.
 
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