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Old 02-11-2019, 04:43 PM   #1
Mini-Skoolie
 
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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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Old 02-11-2019, 05:54 PM   #2
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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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Old 02-11-2019, 06:00 PM   #3
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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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Old 02-11-2019, 06:03 PM   #4
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Quote:
Originally Posted by turf View Post
for a liability policy, none of that should matter.

liability only pays for damage you do to someone else.
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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Old 02-11-2019, 06:13 PM   #5
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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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Old 02-11-2019, 06:56 PM   #6
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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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Old 02-12-2019, 12:41 PM   #7
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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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Old 02-12-2019, 02:19 PM   #8
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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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Old 02-12-2019, 02:24 PM   #9
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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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Old 02-12-2019, 02:56 PM   #10
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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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