If I had a scanner I would show you the form they just sent me for my pellet stove installation. I called them and explained it was a pellet stove, she said yeah "wood stove" after I corrected her again, she said, "they're the same thing." All the questions that are answered with Yes or No are aimed at wood stoves and the clearances for them. WTH, its a 0 clearance stove. example: 36" to wall without heatshield, 4" above pad (Its a P38 it has no legs, how am I gonna pull that off?). God I hate insurance Companies, anyone have a good one that understands the differance?