Homeowners Insurance Issues

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Forum topic by Rob posted 10-01-2015 11:27 PM 2559 views 0 times favorited 35 replies Add to Favorites Watch
View Rob's profile


316 posts in 3011 days

10-01-2015 11:27 PM

I received a notice of non-renewal from my homeowners insurance company with the reason being that my local agent not selling enough policies so they dropped him. They didn’t offer to have me go to another agent and just decided to not renew my policy. So I have been calling all of the local agents in my area trying to get quotes from other insurance companies. The problem is that not one insurance company will write a policy because I have a pellet stove in my garage which is also my workshop. So I have to remove it to get get insurance. So if I want to work in my shop during the winter month’s I have to find another solution. Installing a Natural Gas heater would be too costly and relying on a Propane heater large enough to heat my 1,000 sq. ft. shop would mean going to the propane filling station every other day with a 20lb tank. I do have a 135,000btu kerosene torpedo heater but the thermostat on it doesn’t work as well as it should (doesn’t always start back up when the temp drops), not to mention the noise it makes. Hopefully none of you that heat your shop with wood or pellets will end up with the same issues with your insurance company as I have. I guess for now, the answer for me will be to stay out of the shop for several months!

35 replies so far

View bruc101's profile


1200 posts in 3566 days

#1 posted 10-01-2015 11:38 PM

Sorry to hear that Rob. Insurance companies are something to have to deal with now. I’ve got a friend that owns a beautiful wood home that insurance companies won’t insure. It’s natural cedar and they all tell him he’ll have to paint it before they could insure him.

Their excuse was the home offices thinks if a house is not painted then it’s not being taken care of. In our area here in the mountains they’re also coming down on people’s heads about having wood stoves in their homes to heat with and fireplaces.

Good luck finding you a new insurer.

-- Bruce Free Plans

View dhazelton's profile


2771 posts in 2321 days

#2 posted 10-02-2015 12:16 AM

Is it because you have a pellet stove or you don’t have a permit for a solid fuel appliance out there? If you have a permit form your town I would produce that and see if it gets you anywhere.

View toddbeaulieu's profile


814 posts in 3028 days

#3 posted 10-02-2015 12:16 AM

Oh my! That sux! I tried to get a natural gas heater installed last year in my shop but had zero luck getting plumbers to show up or return with a quote and plan.

And I considered a wood stove because of all the scraps that I give my neighbor all winter.

View Woodmaster1's profile


981 posts in 2611 days

#4 posted 10-02-2015 12:26 AM

I use a bigMaxx natural gas to heat my shop. I ran the gas line from my house with my son in laws help. It only cost me some of the unions that he did not have and some beverages. The increase in the gas bill was only 10.00 a month extra. Natural gas heater would be the way to go if you did not have to run the gas line to far and a buddy that can help do the work.

View TTF's profile


154 posts in 3202 days

#5 posted 10-02-2015 12:53 AM

I have a wood stove in my shop. After I built it, the insurance guy gave me a quote. He came out to look at it – saw the wood stove and said it would be a problem – they didn’t like wood stoves in shops and garages.

I said (I hope in a nice way) that I didn’t care what they “liked”, what would it take to insure building. He went back and got an addendum for it. I have to pay a few more bucks a year.

-- Troy | | The more I see nature, the more I am amazed at the Creator. - Louis Pasteur

View Dark_Lightning's profile


3165 posts in 3133 days

#6 posted 10-02-2015 02:23 AM

This is why I use a handle (many different ones, in fact) on every forum I visit. I’m sure somebody with enough interest could track me down, but no point in making it any easier than it has to be. I belong to car and truck forums as well, but you won’t see my license plates or street address in any of those pics. I don’t post shop pics, because my “shop” is a little piece of a two-car garage, and nothing to be proud of. That may change if I do get to move to Oregon as we had hoped, but you still won’t see license plates or an address.

-- Random Orbital Nailer

View Shane's profile


294 posts in 1835 days

#7 posted 10-02-2015 02:27 AM

I have a propane heater that connects to the supply for the house. I try not to overuse it but it doesn’t take much to heat my shop to 60 degrees pretty quickly. Previous owner insulated the shop well. Insurance didn’t balk at that at all.

View DKV's profile


3940 posts in 2528 days

#8 posted 10-02-2015 03:12 AM

Rob, your insurance company dropped your agent so they dropped you? Seems there’s more to the story. What aren’t you telling?

-- This is a Troll Free zone.

View conifur's profile


955 posts in 1176 days

#9 posted 10-02-2015 03:46 AM

heck this is all BS, a few years ago you got a Federal tax credit to install one, if it met standards and codes.
I know, I have one in my rec room under the deal!!! With home owners insurance.

-- Knowledge and experience equals Wisdom, Michael Frankowski

View conifur's profile


955 posts in 1176 days

#10 posted 10-02-2015 04:07 AM

YDF, garage, cars, leaking gas tank, that is why a garage floor is one or two steps up to the house if attached!!!! Pellet/wood burner= explosion!!!!!!

-- Knowledge and experience equals Wisdom, Michael Frankowski

View Rob's profile


316 posts in 3011 days

#11 posted 10-02-2015 10:36 AM

Thanks to all that posted legitimate replies. I appreciate the input. For those that posted bizarre comments or think I’m not telling the whole story, you would be wrong. This kind of thing happens with insurance companies. They are there to make money and if an agent isn’t meeting the standard number of policy sales, they drop that agent. I could post the letter they sent to prove myself, but I don’t have to. I know what the truth is.

What happened to this site. It used to be woodworkers helping and discussing things with other woodworkers. Now there’s some of that but there’s more and more bizarre posts in the middle of legitimate threads and attacking the credibility of the poster. Very sad!

View Redoak49's profile


3283 posts in 2013 days

#12 posted 10-02-2015 11:03 AM

Sorry about the insurance issues…

This quickly became a strange thread with some of the responses

View mahdee's profile


3888 posts in 1792 days

#13 posted 10-02-2015 11:10 AM

I have a 220 heater/blower in my shop. If you can run a 220 to yours, that might be your best bet. If there is a problem, just unplug it and remove it.


View Fred Hargis's profile

Fred Hargis

4999 posts in 2517 days

#14 posted 10-02-2015 11:23 AM

Someone else mentioned it, a bulk LP tank. My shop isn’t quite as large (800 sq. ft.) and insulated real well but last year I burned 150 gallons of LP heating it (I have a meter to the shop). The current price of my LP is about $1.10 gallon….though I only heat to 65º when I’m in there and 50º when at night….maybe warming it up a little more for finishes to dry. That said, what you were told does suck….friggin insurance companies!

-- Our village hasn't lost it's idiot, he was elected to congress.

View toddbeaulieu's profile


814 posts in 3028 days

#15 posted 10-02-2015 11:44 AM

I’m using a 220 5000W heater as well, but mine sits on the floor. That approach is easy but VERY costly to run. Each winter I take a week or two off near xmas and live in the shop. Our electric bill during December was around $350, versus the normal $40 or so. Also, it takes a long time to go from zero to 70. Once I have it there, I can maintain it, but I have to let it run over night if I want to jump right into work in the morning. I like it tee-shirt temp when I work!

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