As I have seen on several other posts I too am having trouble getting the insurance to cover my new stove. I have recently purchased a Pacific Energy Super 27 and have my hearth pad laid out with 1/2" of durock and ceramic tile. However State Farm wants me to install the stove 36" from the wall. The stoves manual states that I can place at a minimum of 5" to combustibles to back of stove. Need some help to persuade the insurance company if you can. Any input would be appreciated.