installed the wood stove last fall that coincided with a post of me looking for info on a "tri-lakes stove" company. (thanks again, coaly!) notified my homeowners of the date of changing from fuel oil to wood and waited for the increase of premium notice. it took 3 months to get it all settled. first was the install and clearances issues. the next was picture. the only thing that held up the process was one question on the form they had me fill out...is wood burning stove hooked up to a metal chimney?? well, in my case (as in thousands of others) the single wall feeds into a metalbestos ss pipe that penetrates the roof. metal chimney, right? in order to get the ins. company to approve the "chimney" i supplied them with the selkirk metalbestos web site spec page, but they said that wasn't good enough (i don't think they wanted to read it for the specs, thats all) i finally ended up getting ahold of a selkirk rep. in california who actually wrote a personal letter telling the company that it is quite common and safe for these so called "metal chimneys". he laughed and said, this isn't the first time i've had to do this. (thanx to him, too) well, like i said, it took 3 months for all this to happen. the increase of my premium was a whopping $40! point is, while this was going on, a few posts showed up about ins. co. cancelling policies or denying them for people that had added wood stoves. sure pays to do homework!