Natural gas cast iron heater -- insurance issue


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Old 02-17-21, 07:11 AM
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Natural gas cast iron heater -- insurance issue

I have an existing freestanding Efel natural gas cast iron stove heater. While it falls under a "space heater" definition, there is obviously a big difference between it and, say, a cheapie plug-in electric heater which also is a "space heater". This is the problem I'm having with the home insurer. They won't look beyond their template to see exactly what kind of "space heater" it is. They generalize and in so doing are telling me that "space heaters are a risk hazard". How do I get around this?

 
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Old 02-17-21, 09:29 AM
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"How do I get around this?"
That is probably something you need to discuss with your insurer. Mine would not allow a stove like that either. It is too easy for a someone to get burned touching it or to place furniture or toys too close starting a fire...
 
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Old 02-17-21, 09:50 AM
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While I know nothing about those heaters, if it caused a fire and you try to lie about it, that would be considered insurance fraud. How do I get around this? seems to scream this. Honestly, don't think it's worth it. Are they saying they won't cover a fire if caused by this heater or is it just a general warning to you as a safety precaution?
 
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Old 02-17-21, 10:37 AM
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What you have is a stove since it has a fuel source and a flue to outside. Space heaters generally do not have a flue connection.
 
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Old 02-17-21, 11:02 AM
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Doesn't matter. The insurance company is categorizing this as a space heater because of the higher risk of fire and because it sits in a living space. There's no way around it AFAICS.
 
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Old 02-17-21, 12:46 PM
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To be more technical.... that would be a free standing vented gas fireplace.
I have not previously heard of an insurance issue. Very interesting.
 
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Old 02-17-21, 01:20 PM
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I would look for another insurer. This is akin to companies that wouldn't write homeowner's insurance because the homeowner had certain breeds of dogs. I personally ran into that & told my insurer to take a long walk off a short pier.
 
 

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