We just bought a house and love our stove, it was designed and built by a fireman. EVERY insurance company we've asked won't insure the house, they say it's home made and therefore unsafe... help
Try more insurance companies. Some simply will not write a policy for a house with an unlisted stove. But there are lots that will as long as it is installed to code for an unlisted appliance. But just because the builder was a fireman does not mean he knew anything about stove designWe just bought a house and love our stove, it was designed and built by a fireman. EVERY insurance company we've asked won't insure the house, they say it's home made and therefore unsafe... help
Every insurance carrier that has been to the house has remarked how well built it is. How well constructed...they'd like something like that in their own homes, but it doesn't have a tag...or a UL listing. You can however with a full fire inside of it put crayons on top of the stove...and they don't melt.Try more insurance companies. Some simply will not write a policy for a house with an unlisted stove. But there are lots that will as long as it is installed to code for an unlisted appliance. But just because the builder was a fireman does not mean he knew anything about stove design
You can however with a full fire inside of it put crayons on top of the stove...and they don't melt.
Actually that's just how insulated it is...thank you much, the water stays 160 degrees, house alway toasty warm and it only has to be filled twice a day. With the cost of propane in a not well insulated house...yup it is worth searching for one that will insure it. This forum doesn't seem to be much help though, I was hoping for some insurance companies...that did... insure stoves out of this not to be told it must be worthless cause an insurance company said so. think this the end of my venture to try and connect with people hereFrom the Crayola site:
Crayola Crayons begin to soften at around 105 degrees Fahrenheit and they have a melting point between 120-147 degrees Fahrenheit.
It would seem that either your crayons are made of something other than wax or your stove is incredibly useless. In either case, your insurance company is clearly telling you that they think your wood stove is too dangerous to insure.
I never said it was worthless but i cant tell you which insurance company in Michigan will be ok with it their standards vary from area to area so ones that allow unlisted stoves here may not there. And by the way when given no info about a homemade stove or its install many will assume the worst. The comment about it being worthless because it doesn't melt crayons was mainly due to the fact that you referred to it as a stove not a furnace or boiler. And stove that is insulated that well would be worthless as a heater because it would not be giving off any heat. But a boiler is a different story. Instead of getting offended and defensive why not give us some info about your setup or some pics and we may be able to help you. What did the insurance companies say specifically? Was it just the stove or the install also.This forum doesn't seem to be much help though, I was hoping for some insurance companies...that did... insure stoves out of this not to be told it must be worthless cause an insurance company said so.
My guess is both. There is no tag at all since it is homemade, not sure about clearances. Obviously we're only getting part of the story as it sounds like there is a water jacket on it too.Not insurable due to no tag, or due to clearance? I thought older stoves, or non listed needed to meet very generous clearances (36 or 48 inches!) from walls etc.
You can however with a full fire inside of it put crayons on top of the stove...and they don't melt.
Actually that's just how insulated it is...thank you much, the water stays 160 degrees, house alway toasty warm and it only has to be filled twice a day.
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