Posted by PJH on November 29, 2015 at 07:33:21 from (172.79.185.214):
In Reply to: Re: shop heat posted by d beatty on November 28, 2015 at 21:50:54:
My agent never mentioned it either, until I casually brought it up. That was when he informed me that it was worthless without the rider. At the time that I brought it up, I suspicioned that it might be uninsurable with wood heat, and I was prepared to drop the coverage on the shop. I was pleasantly surprised to learn that a rider was available. I should have been "up front" with him in the beginning, but. . .
To sum it up - I probably paid for insurance on that shop, for 25 years, that may have been worthless when they discovered the wood furnace in the smoldering ruins. No matter what caused the fire, the wood furnace will get the blame.
Each situation seems to be different, and they're not above changing the rules out of the blue.
Outdoor furnaces - after I installed an outdoor boiler for the house, I discovered that the insurance company wants them a minimum distance from the building. Now why wasn't I smart enough to ask their requirements before I installed that thing? Luckily, mine is barely within their specs.
I'm a bullheaded cuss - I don't like people telling me how to manage my affairs, but the insurance companies rule the country. You can be assured that they don't pay claims out of the goodness of their heart.
I'm not trying to start an argument - I'm telling this in hopes that it helps someone else. In the case of my boiler - if I had placed it five feet closer to the house, I would have had a problem with the insurance company. I should have made a phone call before I stuck a shovel in the ground.
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