As others have said shop around for a company that will cover a wood burner. Installing a wood burner when not allowed by your insurer could lead to a few big problems. The worst being you have a fire and not being covered. I guess worse than that would be a fire where someone gets burned and you're not covered.
Another problem would be if your insurer had your property inspected and found the wood burner. They would cancel your insurance. They would likely send a copy of the cancellation notice to the bank that holds your mortgage (if you have one). That could open another can of worms.
I used to heat with wood. I contacted my insurance company and asked what their requirements were. They simply wanted a letter from the building inspector or fire chief saying the installation was up to code. The building inspector said they wouldn't provide such a letter. The fire chief wrote the letter but told me the board of directors instructed him not to write any more letters like that because they were afraid doing so could create liability issues for the department.
To the guy that said he's self insured. Are you just self insured for property damage/loss, or are you self insured for liability also?
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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