My wife and I just purchased a home that has a Timberline double door front-loading firebox in the living room. I believe it is original to the home (built in 1977) or added soon after it was built. It has a brick hearth with 18" front clearance and 10" side clearances as well as 24" of separation from the rear wall (also fireproofed) where the stove pipe exits to the external stove pipe/chimney. I believe these to be the original manufacturer specs for installation. My apologies for any discrepancies in my use of terms; we are first time home owners and still learning the lingo of some of our new toys! Now the questions... My insurance agent came by today to check the UL label on the stove (none) and to inform me that the stove had to have a minimum of 18" hearth clearance on all sides. He was quoting some national guideline (NFPA 211?). If this is true, why didn't my home inspector flag this as being out of code? Is it out of code? Do I have any recourse? The 97 year young gal previous owner used the stove religiously w/out problem. Do we need to just tear the unit out? Help?!?!? Thank you!