I've recently decided to leave an executive, corporate job and open a custom woodshop (Which will feed my heart. I'm also starting a consulting business to feed my bank account.). We have built a dream workshop on the back of our property, which includes 1200 sq ft of open floor space, an ICF foundation, 10 huge windows, 2x6 construction, and . . . a woodstove as the primary heat source.
It's obviously something that we need to insure, but I've been dreading the conversation with the insurance company about the woodstove and was prepared to use electric heat if they denied coverage.
We're in Northern Michigan and I called our Allstate agent yesterday. He classified it as a garage (which it's definitely not), but said that the woodstove isn't a problem at all. Not believing it would be that easy, I asked him to provide that in writing and he sent an updated policy which clearly states the woodstove is approved as a source of heat.
He didn't ask for the inspection papers, photos, or a site visit. There isn't even any extra cost, since we already pay a $25 per year fee for the wood burning furnace in the main house.
That was much easier than I expected it to be! I suppose I should change the name of the thread to "An undreaded insurance thread" . . .
It's obviously something that we need to insure, but I've been dreading the conversation with the insurance company about the woodstove and was prepared to use electric heat if they denied coverage.
We're in Northern Michigan and I called our Allstate agent yesterday. He classified it as a garage (which it's definitely not), but said that the woodstove isn't a problem at all. Not believing it would be that easy, I asked him to provide that in writing and he sent an updated policy which clearly states the woodstove is approved as a source of heat.
He didn't ask for the inspection papers, photos, or a site visit. There isn't even any extra cost, since we already pay a $25 per year fee for the wood burning furnace in the main house.
That was much easier than I expected it to be! I suppose I should change the name of the thread to "An undreaded insurance thread" . . .