The installation of a wood stove or pellet stove in your house may affect the cost of your homeowners' insurance policy. In many cases, insurance companies believe that these sorts of stoves or fireplaces increase the risk of a house fire. Failure to declare that you have a wood or pellet stove in your house might cancel your insurance policy, leaving you without coverage in the event of a fire.
Pellet Stove
Pellet stoves burn compressed wood or other biomass pellets in a closed environment. Their steady heat is provided by the hopper used to feed them into the burn chamber. In most cases, a thermostat and an automatic ignition switch are used to manage the operation of the pellet stove. They require less maintenance and supervision than a wood stove because they use less fuel. On the other hand, most insurance companies treat pellet stoves in the same way they treat wood stoves: as a potential fire threat that necessitates higher insurance premiums.
Code Requirements
The installation of a wood or pellet stove must comply with local fire codes for an insurance carrier to authorize coverage for the appliance. The National Fire Protection Agency gives standards for safe installation, but you must additionally ensure that your installation complies with all applicable local fire codes. Code regulations frequently include restrictions on how close a stove can be installed to a wall, the materials that must be used underneath and around the stove, and how the chimney must be vented, among other things.
Installation By A Qualified Professional
Some insurance companies will not allow a wood or pellet stove if a licensed contractor or electrician has not professionally installed it. Licensed installers must adhere to fire codes, which provides the insurance company with further assurance that the stove is safe. Because anybody might claim to be a "professional installation," it is important to check the company's credentials and ensure that it is a member of the National Fire Protection Association. While using a professional installation, check with your insurance provider to find out what documentation it requires for its approval procedure and ensure that your installer can provide such documentation.
Clearance From The Insurance Company
Once you have completed all of the standards set forth by the insurance company for stove approval, you will receive formal confirmation from the company. Check your insurance policy to ensure that your stove is clearly stated as being covered under the policy. You may receive a supplementary document that covers the stove, known as a rider. Remember to keep all of your documents in a secure place, and don't rely simply on verbal promises from your insurance carrier that you are covered if something happens.
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