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02-11-2019, 04:43 PM
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#1
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Mini-Skoolie
Join Date: Jun 2018
Location: NW Florida
Posts: 68
Year: 2001
Coachwork: International
Engine: DT-466
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Wood Stove and Insurance
We just finished our conversion and applied to get our insurance through Good Sam. The dude we were emailing asked us for pictures, which we sent. He then asked what the tall metal pipe is going through the roof.
It's the chimney for our wood stove... is that going to be a problem? Any reason we won't get coverage for having that? We can't find anyone mentioning that they had a problem with that, but now we're worried we won't be able to get covered if we have a wood stove.
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02-11-2019, 05:54 PM
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#2
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Bus Crazy
Join Date: May 2016
Location: Grayson County, VA
Posts: 1,428
Year: 1996
Coachwork: Amtran
Chassis: International
Engine: DT466
Rated Cap: 65
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I've got no personal experience with this, but I've heard that it's something insurance companies don't want to deal with. Ditto for roof decks. LOTS of buses have both woodstoves and roof decks though. Please keep this post updated, as I'm trying to figure out if I need to remove our stove when we take pictures.
Good luck, hope it works out for ya.
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02-11-2019, 06:00 PM
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#3
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Bus Crazy
Join Date: Apr 2013
Location: Colorado
Posts: 2,348
Year: 1993
Coachwork: bluebird
Engine: 5.9 Cummins, Allison AT1545
Rated Cap: 2
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for a liability policy, none of that should matter.
liability only pays for damage you do to someone else.
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02-11-2019, 06:03 PM
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#4
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Bus Geek
Join Date: Dec 2017
Location: Dawsonville, Ga.
Posts: 10,482
Year: 1999
Coachwork: Genesis
Chassis: International
Engine: DT466/3060
Rated Cap: 77
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Quote:
Originally Posted by turf
for a liability policy, none of that should matter.
liability only pays for damage you do to someone else.
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Some of us cover the expense we've put in these to want to fully insure them. My question is, if I don't put the chimney in before insuring and my policy doesn't specifically exempt wood stoves, will I be covered in the event of fire?
I agree, for liability only, t shouldn't matter to the insurance companies, ut we don't make their rules.
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02-11-2019, 06:13 PM
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#5
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Bus Crazy
Join Date: Apr 2013
Location: Colorado
Posts: 2,348
Year: 1993
Coachwork: bluebird
Engine: 5.9 Cummins, Allison AT1545
Rated Cap: 2
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oh i agree.
i have full coverage thru state farm, but whether or not that pays in the end is something i never want to find out. state farm insured it as a wanderlodge of the same year.
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02-11-2019, 06:56 PM
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#6
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Bus Geek
Join Date: Nov 2016
Posts: 2,775
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If you're going to keep it, be honest with them.
Even if that's not the cause of a problem e.g. starting a catastrophic forest fire, anything less than full disclosure can give them an excuse to deny paying out, and then you've just been wasting premium payments.
Yes a stove may make getting insurance much harder.
Or even impossible without changing home state.
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02-12-2019, 12:41 PM
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#7
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Mini-Skoolie
Join Date: Jun 2018
Location: NW Florida
Posts: 68
Year: 2001
Coachwork: International
Engine: DT-466
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Update:
We can't get insured.
I guess we'll have to start trying with another company. Any recommendations? We might have to remove the wood stove in order to insure it...
Ugh. Wish someone had mentioned this ahead of time...
EDIT: Also, just for your info - we were only asking for liability coverage. As cheap as we could get. They still won't cover it. No clue why.
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02-12-2019, 02:19 PM
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#8
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Bus Geek
Join Date: Nov 2016
Posts: 2,775
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Such obstacles are normal, searching across multiple companies to be expected.
https://www.google.com/search?q=site...s%2F+insurance
Why would you expect a given company to be OK with something so unusual?
Even switching states is simply inconvenient.
Find an experienced and sympathetic agent.
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02-12-2019, 02:24 PM
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#9
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Skoolie
Join Date: Oct 2016
Location: Rochester NY
Posts: 209
Year: 1986
Coachwork: Blueburd
Chassis: International S1800
Engine: 9.0L International Diesel NA
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So sorry to hear about the insurance issue...
Good Sam or the general seem to be the most common.
Can you post the pictures you sent along to the insurance agent? That way we can maybe pick out why they denied you... is it possible to temporarily uninstall the stove and stove pipe for the sake of a few photos?
Is the stove securely fastened? Are you using a heat shield too? Just trying to think of reasons they denied you... best of luck.
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02-12-2019, 02:56 PM
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#10
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Bus Geek
Join Date: May 2016
Location: Eastern WA
Posts: 6,401
Year: 2002
Coachwork: Bluebird
Chassis: All American RE (A3RE)
Engine: Cummins ISC (8.3)
Rated Cap: 72
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My insurance agent warned me that if I have a wood stove in my bus it would cause problems with underwriting.
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02-12-2019, 03:55 PM
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#11
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Mini-Skoolie
Join Date: Jun 2018
Location: NW Florida
Posts: 68
Year: 2001
Coachwork: International
Engine: DT-466
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Quote:
Originally Posted by Rochey6957
So sorry to hear about the insurance issue...
Good Sam or the general seem to be the most common.
Can you post the pictures you sent along to the insurance agent? That way we can maybe pick out why they denied you... is it possible to temporarily uninstall the stove and stove pipe for the sake of a few photos?
Is the stove securely fastened? Are you using a heat shield too? Just trying to think of reasons they denied you... best of luck.
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I don't have the pics. I'll see if I can get them from my wife and post them here. The stove is securely fastened. The chimney is double-walled, correct distance from combustibles, and fastened down. Heat shield is installed all around it.
Not easy to uninstall for the photos. It's fastened down real good and caked in the high temp red gasket stuff (forget what it's called). Really wish we had known this sooner. We just put in in two weeks ago.
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02-12-2019, 04:01 PM
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#12
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Bus Crazy
Join Date: May 2016
Location: Grayson County, VA
Posts: 1,428
Year: 1996
Coachwork: Amtran
Chassis: International
Engine: DT466
Rated Cap: 65
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Quote:
Originally Posted by Beeb
Not easy to uninstall for the photos. It's fastened down real good and caked in the high temp red gasket stuff (forget what it's called). Really wish we had known this sooner. We just put in in two weeks ago.
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Eh, can remove the chimney and disguise it as a table or cabinet in any way?
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02-12-2019, 04:07 PM
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#13
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Mini-Skoolie
Join Date: Jun 2018
Location: NW Florida
Posts: 68
Year: 2001
Coachwork: International
Engine: DT-466
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Quote:
Originally Posted by Drew Bru
Eh, can remove the chimney and disguise it as a table or cabinet in any way?
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The chimney is the hard part to remove... If it comes down to it, I probably could... but I'd rather not. It would cost me a decent bit of time and money.
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02-12-2019, 04:53 PM
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#14
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Bus Geek
Join Date: Nov 2016
Posts: 2,775
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I assume people saying "leave it out of the photos" are implying "do not disclose that you have a wood stove"?
Do y'all think the below is unnecessarily cautious?
Quote:
Originally Posted by john61ct
If you're going to keep it, be honest with them.
Even if that's not the cause of a problem e.g. starting a catastrophic forest fire, anything less than full disclosure can give them an excuse to deny paying out, and then you've just been wasting premium payments.
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02-12-2019, 05:39 PM
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#15
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Mini-Skoolie
Join Date: Jun 2018
Location: NW Florida
Posts: 68
Year: 2001
Coachwork: International
Engine: DT-466
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One other question as we start calling around to other insurance agencies...
We re-titled the bus to be a MH today. Should we wait any particular period of time before calling agencies to make sure it's in the "system" as a motorhome, or can we start calling around tomorrow?
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02-12-2019, 05:55 PM
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#16
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Bus Geek
Join Date: Nov 2016
Posts: 2,775
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No waiting should be required.
If you start a new thread with your state in the title you might get reco's for a good agent with knowledge of the niche.
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02-13-2019, 01:51 PM
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#17
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Mini-Skoolie
Join Date: Jun 2018
Location: NW Florida
Posts: 68
Year: 2001
Coachwork: International
Engine: DT-466
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Quote below taken from this other thread that I started
Quote:
Originally Posted by john61ct
From a past thread
> Kelly Newsome, all state agent for 18 + years. Her number is 352-326-9300. Email:*kellynewsome1@allstate.com.*
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We called Kelly today and got our coverage! No pics required. Just a nice easy phone call. And we're paying half what Good Sam was going to charge us.
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02-13-2019, 02:25 PM
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#18
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Skoolie
Join Date: Oct 2018
Posts: 152
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Quote:
Originally Posted by Beeb
Quote below taken from this other thread that I started
We called Kelly today and got our coverage! No pics required. Just a nice easy phone call. And we're paying half what Good Sam was going to charge us.
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Is this only for Florida?
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02-13-2019, 03:41 PM
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#19
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Bus Crazy
Join Date: May 2016
Location: Grayson County, VA
Posts: 1,428
Year: 1996
Coachwork: Amtran
Chassis: International
Engine: DT466
Rated Cap: 65
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Quote:
Originally Posted by Beeb
Quote below taken from this other thread that I started
We called Kelly today and got our coverage! No pics required. Just a nice easy phone call. And we're paying half what Good Sam was going to charge us.
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Congrats! For (my) peace of mind, did you disclose the wood stove?
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02-13-2019, 03:52 PM
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#20
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Mini-Skoolie
Join Date: Jun 2018
Location: NW Florida
Posts: 68
Year: 2001
Coachwork: International
Engine: DT-466
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No pics at all. She knows it's a bus conversion, she knows it wasn't done professionally, and we answered every question perfectly honestly. That being said, we didn't go out of our way to supply information if we weren't asked directly. I don't know if a wood stove would have been a problem or not if it had come up. But it didn't come up.
Seems to me that if we ever needed insurance to cover something (hoping we won't), then we have a pretty good case to say that we made no attempt to hide any information, and we were never asked about a wood stove (or any heating source for that matter), we weren't asked to provide pictures, and we weren't told that it had to meet any particular standards.
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