As you have no doubt seen by the posts there are many insurance companies and many agents . . . and some are very tough, some are very relaxed and some have no clue as to what they are doing. My own advice . . . it may not be a bad time to shop around and see who is out there and what their rates are . . . and ask about a woodstove install . . . what is required and perhaps even more importantly if the rates will go up or not and if so, by how much.
Personally, I would not really care to stick with an insurance company if the rates were to go up . . . but I would most definitely not want to stick with a company if they were not willing to allow an install that follows the manufacturer's install directions and clearances and were instead relying on a "one size fits all" old-line of thinking. Now if the company wanted a sign-off from the fire inspector or an agent of their own . . . OK . . . I could live with this.
Personally, I would not really care to stick with an insurance company if the rates were to go up . . . but I would most definitely not want to stick with a company if they were not willing to allow an install that follows the manufacturer's install directions and clearances and were instead relying on a "one size fits all" old-line of thinking. Now if the company wanted a sign-off from the fire inspector or an agent of their own . . . OK . . . I could live with this.