I bought a used harmon accentra and the install is Monday. My insurance State Farm has a booklet about stoves with required measurements, etc. BUT it says" unless UL stove manufacturer has other requirements". According to my agent this double speak means they will accept the factory's "minimum" requirements as long as they are written down. The factory install manual says you must vent 48" from the side open window that opens OR 9" if you install a fresh air vent. Since I only have 40" from the window to the corner to use it looks like I will have to have a fresh air vent installed? Any thoughts on this?...also what should I expect to pay for fresh air vent? State Farm around here is very nit picky about any free standing stove...they want to inspect or pics.