Getting tougher to get one insured here in Michigan. When I recently switched companies for homeowner’s insurance, soon after they found out that I had a wood burning stove in the house, and promptly canceled my policy.
My stove was professionally installed 20 years ago and I’ve had no issues with it. I ended up going back to my original insurer that told me, “no problem.”
KT understands that situation. Shortly after building the Castle, we had our wood heater installation inspected and certified as meeting the standards. Then a few years later, we had to change our insurance agent, not the insurance company. He saw our installation, and asked who installed it, and KT said we did. He started to freak out, then KT laid the Certification on it. Then he calmed down and we still, after some 35 years, have the same insurance company.
We have a stainless steel triple wall chimney pipe, which we clean twice a year...at the end of the summer before we fire it up in the late fall, and usually in late January we get a warm week, so we let the fire go out and clean it the next day. Cleaning removes most of the formed creosote, which is the primary cause of a chimney fire. We also installed the proper heat shield on the wall behind the heater at the specified distance out from the wall. Heater sits on concrete floor.