So, I'm just wondering, there's seems to be alot of posts here about people being worried their insurance company is gonna deny them.
Now, before I get flamed, I'm with them, I'm worried to, I went out of my way to make sure my install was as safe as possible and met code...etc...even though there were times when I thought the code was just far overkill (like an R of 2.5 on the hearth extension 24" out, and even if you have that, any "raised" extension underneath for R2.5 must be built from a non-combustible..).
Anyhow, it just seems to me that this is the very reason one has insurance. Otherwise, what's the point? I don't think they can really deny claims for stupidity (like an improperly installed wood stove, for example). Otherwise they would deny the claim from the guy who fell asleep on his couch with a cigarette in his hand, or the woman who placed her kerosene heater 3" from her curtains, or the guy who fell unconscious from running his generator in the basement, or the guy who burnt his garage down because he was BBQ'ing in it because it was a rainy day...or the family who put candles on their Christmas tree because that is what they have always done, or the guy who purposly starts chimney fires because that's what he has always done to clean his flue......and the list could go on forever. Most all fires, if not all, are preventable.
So, can an insurance company deny a claim for stupidity? Does anyone have a direct knowledge of that? So if a guy goes out an installs a woodstove on his own and didn't tell his insurance company about it, and lets say he did it completely wrong and put it right on a combustible floor and and ran single wall flue right thru a combustible wall and ends up burning down his house. Can an insurance company deny that claim? I tend to think not, but I really don't know.
I understand, if your insurance company becomes aware that you have a woodstove or any situation which they don't like (missing stairway railing, not enough steps up the door, unfenced pool...etc..etc..), they can choose to terminate coverage or not underwrite your policy to begin with, but I don't think they can deny a claim after the fact. I could be wrong. Perhaps if you lied about having a wood stove when they asked you.
I dunno...most people with any sense of reality will probably worry about it none-the-less, but is there really a concern to be that worried about insurance denying your claim?
Now, before I get flamed, I'm with them, I'm worried to, I went out of my way to make sure my install was as safe as possible and met code...etc...even though there were times when I thought the code was just far overkill (like an R of 2.5 on the hearth extension 24" out, and even if you have that, any "raised" extension underneath for R2.5 must be built from a non-combustible..).
Anyhow, it just seems to me that this is the very reason one has insurance. Otherwise, what's the point? I don't think they can really deny claims for stupidity (like an improperly installed wood stove, for example). Otherwise they would deny the claim from the guy who fell asleep on his couch with a cigarette in his hand, or the woman who placed her kerosene heater 3" from her curtains, or the guy who fell unconscious from running his generator in the basement, or the guy who burnt his garage down because he was BBQ'ing in it because it was a rainy day...or the family who put candles on their Christmas tree because that is what they have always done, or the guy who purposly starts chimney fires because that's what he has always done to clean his flue......and the list could go on forever. Most all fires, if not all, are preventable.
So, can an insurance company deny a claim for stupidity? Does anyone have a direct knowledge of that? So if a guy goes out an installs a woodstove on his own and didn't tell his insurance company about it, and lets say he did it completely wrong and put it right on a combustible floor and and ran single wall flue right thru a combustible wall and ends up burning down his house. Can an insurance company deny that claim? I tend to think not, but I really don't know.
I understand, if your insurance company becomes aware that you have a woodstove or any situation which they don't like (missing stairway railing, not enough steps up the door, unfenced pool...etc..etc..), they can choose to terminate coverage or not underwrite your policy to begin with, but I don't think they can deny a claim after the fact. I could be wrong. Perhaps if you lied about having a wood stove when they asked you.
I dunno...most people with any sense of reality will probably worry about it none-the-less, but is there really a concern to be that worried about insurance denying your claim?