Storing pellets indoors causing possible insurance problems.

[TimfromMA]

A pellet using friend of mine told me that they were forced to move their pellet stash to a shed after their homeowners insurance sent them a letter stating that they would not pay a fire related loss on the house if pellets were stored inside.

Anyone else hear of this?

 

[SwineFlue]

Anyone else hear of this?

No. Do they require heating oil be stored outside too? Time for your friend to shop around for better insurance.

 

[karen_in_nh_2014]

Never heard of it either. What was the rationale?

 

[Mt Bob]

Yes,same with my insurance.And as I have a handbuilt log cabin,only 2 companys in state will insure me.

 

[TimfromMA]

My friend didn't say.

 

[Mt Bob]

For wood stoves,out here,most companies allow 1 days worth inside house.But if you have attached garage,you can fill it up.Makes no sense.I put 3 ton in basement anyway,as fire response does not exsist where I live,if catches fire,nothing will be left.

 

[BrotherBart]

Oh great. Like pellets burn better than two by fours. Sheesh!

 

[Mt Bob]

When these 12 to 18 inch logs fall into basement,nothing will be found!

 

[TimfromMA]

I've got 6 3/4 tons in the basement.

 

[BrotherBart]

I've got 6 3/4 tons in the basement.

Please post your address and summer vacation plans.

 

[TimfromMA]

What stinkin shortage???

 

[boo boo]

A pellet using friend of mine told me that they were forced to move their pellet stash to a shed after their homeowners insurance sent them a letter stating that they would not pay a fire related loss on the house if pellets were stored inside.

Anyone else hear of this?

Wow
He can easily find another company to insure him

 

[boo boo]

I can't wait till my house is paid off so I can dump homeowners insurance.

That is chancing a big investment

 

[BrotherBart]

I am trying to get a mental image of telling my homeowner's insurance agent how many pellets I store in the house. Nope, can get one.

 

[dave2112]

Wow
He can easily find another company to insure him

Sure after he paid this company for 40 years that everyone thought was lagit.

 

[hyfire]

Unless your storage room is near 250 C or 482F wood pellets combustion wont happen. Read this about wood pellets , basic info...

 

[Mt Bob]

Checked my policy,no differintation between wood or pellets.Says- one day of wood fuel.

 

[hyfire]

Depends if you have 3 stoves in the house thats a lot of fuel

 

[Mt Bob]

Very true.

 

[TimfromMA]

Unless your storage room is near 250 C or 482F wood pellets combustion wont happen. Read this about wood pellets , basic info...

Pellets are made for burning. The rationale could be that a small fire that can be easily extinguished could get out of control rather quickly if the pellet stash catches fire.

 

[lock&load]

Pellets are made for burning. The rationale could be that a small fire that can be easily extinguished could get out of control rather quickly if the pellet stash catches fire.

so the 44 gallons of gas in my ford excursion parked in my raised ranch garage is a fire hazard ,I know this and so do they,, also the 275 gal of oil in the tank that I use for hot water ,that's also in there and everybody around here has a trampoline for the kids which your also NOT supposed to have , and hey don't forget the lawnmore

 

[railfanron]

Pellets stored in a garage are not the same as ones stored inside the living space. The garage is supposed to have a fire rated wall and door between it and the living space. Just sayin.
Ron

 

[ScotL]

Unless your storage room is near 250 C or 482F wood pellets combustion wont happen. Read this about wood pellets , basic info...

There's a lot of good information in that well written paper. I especially liked the paragraph:

"It is important to understand that gasses burn as flames and that solid particles smolder,
and that during the combustion of wood 80 % of the energy is released as gas and the
rest is released from the charcoal remains."

Very good read.

 

[chken]

So what happens if someone has a pellet boiler with a multi ton pellet storage bin or bag? If it's your primary heat source, in order to qualify for large State rebates you have to be able to store weeks worth of pellets, not just a day's worth. You should tell your friend his insurance agent needs to talk to the State.

 

[RKS130]

Pellets are made for burning. The rationale could be that a small fire that can be easily extinguished could get out of control rather quickly if the pellet stash catches fire.

There is no rationale! Insurance companies are notoriously dumb about real life risks and often base their decisions on faulty data.