Insurance issues, boiler shed to close to building.

[woodsmaster]

I recently had to change insurance and had some trouble. I found out most insurance companies want your boiler shed or OWB at least 30 ' from any building. I finally got some insurance, but I told them it was about 30 ' from the building when it's actually only 20. Just want to warn those people getting ready to install a unit. the insurance company I had before said as long as you can see light between the two structures, lol

 

[goosegunner]

That is not good news, as mine is connected to my pole building, with no common entrance.

gg

 

[woodsmaster]

I was just surprised to be turned down by a couple companies for it being to close to my work shop that has metal siding and metal roof. The boiler shed is also metal siding and roof with drywall inside...

 

[stee6043]

I suspect that last thing I'd do after I told a little "white lie" to the insurance company would be to post about it on the interweb. I surely do hope you never have to file a claim for fire damage. Their tape measures are surely going to work when they come out to process your claim.

Here's to hoping for a claim-free future for you!

 

[arbutus]

Which company? USAA doesn't care as long as the solid fuel appliance is in a detached building. Then the coverage limit for an accessory structure comes into play.

 

[woodsmaster]

I suspect that last thing I'd do after I told a little "white lie" to the insurance company would be to post about it on the interweb. I surely do hope you never have to file a claim for fire damage. Their tape measures are surely going to work when they come out to process your claim.

Here's to hoping for a claim-free future for you!

I didn't lie, I said its PROBABLY about 30 foot. 20 is about 30 lol. If they don't measure it's there fault not mine. actually the boiler is 30' its the building that's 20'

EDIT : I even told them I had been turned down by others for it being to close. The adjuster thought it looked pretty safe.

 

[woodsmaster]

I'm really not worried about it anyhow. Its the house I have to have insurance on.

 

[woodsmaster]

State farm is one of them that turned me down. I ended up with American Family Ins.

 

[Buzz Saw]

Nationwide & Cincinnati have always been great.

 

[stee6043]

I didn't lie, I said its PROBABLY about 30 foot. 20 is about 30 lol. If they don't measure it's there fault not mine. actually the boiler is 30' its the building that's 20'

EDIT : I even told them I had been turned down by others for it being to close. The adjuster thought it looked pretty safe.

Ha. Very good. Sounds like you found a keeper insurance agent either way.

 

[Mike Fromme]

Sounds like they are not differentiating between a typical owb and a boiler that's designed to be installed inside a building. And has the UL listing for an indoor install.

 

[krinkov]

i have cincinnati on a commercial l building since 1986.they did not care if it was 2 ft. or 200 ft.great insurance company.