State Codes and Insurance company matters

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7acres

Minister of Fire
Dec 5, 2013
653
South East USA
I'd really prefer installing this stovepipe myself. Seems like a fun project and I'd learn a bunch too. So in my research I've uncovered a few things that set me at ease that I wouldn't be breaking any SC building codes by doing it my self. And that my insurance company doesn't have any rules around that either (just got off the phone with my local State Farm office). While reading through SC building code I finally came to the section that applies to installing a stovepipe. Here it is for the convenience of any curious folks here.

"SECTION 5-25-700. Stovepipe construction.

No stovepipe shall pass through any roof window or weatherboarding and no stovepipe in any building with wood or combustible floors, ceilings or partitions shall enter any flue unless such pipe shall be at least twelve inches from such floors, ceilings or partitions, or unless it is properly protected by a metal shield, in which case the distance shall not be less than six inches. When stovepipes pass through wooden partitions of any kind or other woodwork, they shall be guarded by either a double collar of metal, with at least three inches air space and holes for ventilation, or by a soapstone or burnt-clay ring not less than one inch in thickness extending through the partition or other woodwork.

HISTORY: 1962 Code Section 47-1237; 1952 Code Section 47-1237; 1942 Code Section 7507; 1932 Code Section 7507; Civ. C. '22 Section 4622; 1917 (30) 77. "

From this webpage: http://www.scstatehouse.gov/code/t05c025.php

I'm posting this because early on in my research I seemed to see a lot of legality comments like, "Make sure your state/city doesn't require your install to be certified afterward." "Make sure your insurance company doesn't drop your policy because they found out you didn't use a certified professional." Things like that. I don't want to be blissfully unaware. But so far I don't see that I'd run afoul of any laws or insurance agreements as long as I do my research properly and do the installation to code myself. This will be my first rodeo and I know pros know more than me. If anyone reads this and knows I'm asking for trouble installing my wood stove and stove pipe myself please speak up or PM me. Thanks!
 
Will this be inspected? If yes, check with your local inspecting authority for their requirements. Know the rules first for your area. If you are construction savvy and follow directions well and this is a straightforward job without a lot of ifs and exceptions, then it should go ok.
 
Who would the inspector typically be? Fire department?
 
Update: Michael called me back over lunch. I told him I'd like do the install myself and have never installed a stove or stovepipe before. He just advised that I be real careful to follow all clearances and to use double or triple walled pipe. But confirmed I do not need to get it inspected after I'm done. So there's the answer.
 
just a question by stove pipe do you mean a prefab chimney or just the stove pipe connecting to the chimney?
 
Yes, a prefab all metal Class A chimney. Just like this:
metal chimney.jpg
 
ok I though so just a little confused by your terminology. They are pretty simple just follow the directions carefully and pay attention to your clearances.
 
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ok I though so just a little confused by your terminology. They are pretty simple just follow the directions carefully and pay attention to your clearances.

Yeah, I shouldn't have been calling it a stove pipe. Too vague. Well now that I'm cleared from my home insurance company and the city building inspector I can proceed. As I wait for my stove to arrive at the dealer I'm educating myself on clearances and install details. So far I think I'm able to go straight up with no bends needed. Now I need to research how tall this chimney needs to be for optimum draft.
 
your stove instructions will tell you that it is usually 15' minimum but not always.
 
I think this thing is going to be over 20' for sure. I can start taking measurements and crunching numbers now. The only part I'm going to hate is having to get up on that roof. I hate working up on roofs. :confused:
 
Maybe the policy varies by area, but I would double check with State Farm on this. We also have State Farm, and our agent told us that the installation must be done by a licensed contractor or our coverage would be void.
 
Thanks begreen. I'm in the middle of reading that now. There are 2 options triple wall and double wall. Figured triple wall would allow closer clearances. But they both specify minimum 2" from a combustible material. So why do people go the triple wall route?
 
Triple wall is a bit less expensive I think. My preference is for the double-wall. It's easier to work with, less bulky and it has a full range of options.
 
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I'd really prefer installing this stovepipe myself. Seems like a fun project and I'd learn a bunch too. So in my research I've uncovered a few things that set me at ease that I wouldn't be breaking any SC building codes by doing it my self. And that my insurance company doesn't have any rules around that either (just got off the phone with my local State Farm office). While reading through SC building code I finally came to the section that applies to installing a stovepipe. Here it is for the convenience of any curious folks here.

"SECTION 5-25-700. Stovepipe construction.

No stovepipe shall pass through any roof window or weatherboarding and no stovepipe in any building with wood or combustible floors, ceilings or partitions shall enter any flue unless such pipe shall be at least twelve inches from such floors, ceilings or partitions, or unless it is properly protected by a metal shield, in which case the distance shall not be less than six inches. When stovepipes pass through wooden partitions of any kind or other woodwork, they shall be guarded by either a double collar of metal, with at least three inches air space and holes for ventilation, or by a soapstone or burnt-clay ring not less than one inch in thickness extending through the partition or other woodwork.

HISTORY: 1962 Code Section 47-1237; 1952 Code Section 47-1237; 1942 Code Section 7507; 1932 Code Section 7507; Civ. C. '22 Section 4622; 1917 (30) 77. "

From this webpage: http://www.scstatehouse.gov/code/t05c025.php

I'm posting this because early on in my research I seemed to see a lot of legality comments like, "Make sure your state/city doesn't require your install to be certified afterward." "Make sure your insurance company doesn't drop your policy because they found out you didn't use a certified professional." Things like that. I don't want to be blissfully unaware. But so far I don't see that I'd run afoul of any laws or insurance agreements as long as I do my research properly and do the installation to code myself. This will be my first rodeo and I know pros know more than me. If anyone reads this and knows I'm asking for trouble installing my wood stove and stove pipe myself please speak up or PM me. Thanks!

As an attorney who has dealt with an insurance company or two in my career, I would definitely try to get something from your insurance company in writing.

When dealing with insurers, vendors, etc., if it's not in writing, it never happened.
 
I agree with danimal, make sure you get something in writing from your insurance company saying they will still cover you if you have a fire in the house once you start heating with wood, they love loophole clauses.

Installing yourself is the best if you have the skills and the tools, providing you don't try to take any short cuts. By installing everything yourself you get a better understanding of the whole system, and you can be more confident things get done right, instead of just "hoping" that the person you hire did it right.
Remember that all the clearances cited on the flue and stove specs are minimum clearance specs, you can always increase the clearances for an extra measure of security.
 
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Agreed. The other advantage you have is that you are not on the clock. If you run into an obstacle, stop and solve instead of taking a shortcut. You should also cover details better, including clean up which is very important. For example, make sure there is no debris left in the ceiling support before sealing up. And as always, measure thrice, cut once.
 
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At the end of the call with my State Farm agent she said she'd make note of our conversation in my policy. Do I just ask her to send me a print out of our conversation's transcript?
 
At the end of the call with my State Farm agent she said she'd make note of our conversation in my policy. Do I just ask her to send me a print out of our conversation's transcript?
That would be good, as long as you get something in writing from them saying that installing a wood stove has no effect on your home insurance policy.

In my case our insurance company wanted a WETT certified inspection ($200), and they came out and took pictures of the stove, and we have to pay an extra 5% surcharge to our policy for wood heating which is stated right in the policy, so their is plenty of proof and paper work to show that we are covered for wood heating, they would have a hard time denying our claim if the house burns down.
Of course all they probably have to do is get a better lawyer then me and I'll be hooped anyway. <>
 
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I bought a wood stove. I'm going to install it.
 
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