Permitting Stove Installations

Updated: May, 2020

Can I install my own stove? What is the difference between a building permit and a mechanical permit? Unique circumstances Insurance Considerations

The following advice is some of the best we have seen and we reproduce key parts of it. Click here to read the entire article. Home insurance companies usually cover wood stoves or pellet stoves as long as you meet the conditions for coverage. These conditions vary according to the provider, but typically include professional installation and a safety check by an official inspector. Insurers tend to be more cautious about providing policies to homes that rely on stoves as the only source of heating.

If you've installed your own stove, or if it was installed before you bought the property, you might have to provide documentation to prove your stove is safe before the insurer agrees to cover you. Sometimes, however, policies have provisions that exclude coverage to damages from faulty or inadequate workmanship, installation and maintenance. Imagine you install your own wood-burning stove. If your insurance provider does not require an inspection and your home burns down, your policy may not cover you if the fire was a result of your own workmanship.

Pellet stoves often have smaller effects on home insurance premiums because they are much less likely to cause house fires than wood-burning models. Because they burn cleaner fuel, pellet stoves don't create a large creosote buildup. Your pellet stove also does not need a chimney connection for ventilation.

In Canada, many insurers will require your stove or fireplace to pass a Wood Energy Technology Transfer (WETT) inspection before theyíll cover your home.

Bottom line: to ensure you donít have any problems with your insurance company in event of damages from a wood or pellet stove, you should take these safety measures:

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