In our area, as long as it's certified by a licenced pro, insurance will accept it. The problem is that most of the guys doing the certification know less than most experienced stove owners. They must carry insurance to cover them if they certify a wood burning appliance, then it causes a fire so they get very picky.
One problem I have for example, the masonry heater I am looking at designing has to abut a wall. Even though the stone wall shell is a foot & a half away from the refractory brick at that point and will be barely warmer than room temps, they may insist upon separation because they have never seen a masonry heater. The easy answer is to go off of federal standards or better to get a masonry heater installer to certify the plans prior to building it.
One problem I have for example, the masonry heater I am looking at designing has to abut a wall. Even though the stone wall shell is a foot & a half away from the refractory brick at that point and will be barely warmer than room temps, they may insist upon separation because they have never seen a masonry heater. The easy answer is to go off of federal standards or better to get a masonry heater installer to certify the plans prior to building it.