![]() ![]() Chimney and flue pipe meet all requirements.Appliance clearances: clearances around the wood burning unit must meet guidelines for how far the stove needs combustible materials and a proper shield installed.Floor protection: protection against radiant heat from the stove and embers with a non-combustible material.This certification will not only make your stove safer but will help insurers who are underwriting your policy. Wood stove insurance requirementsĪ professional must install a wood stove and have a current WETT Certificate to confirm that it is installed correctly and meets current building codes. In that case, the insurer can deny your claim and cancel your policy. Suppose you do not inform your insurer that you have a wood burning stove or prove any maintenance. Hold on to all your maintenance receipts because you are responsible for getting inspections and cleanings. You can have a lower increase by choosing a higher deductible and confirming you are paying only for the features you need. Wood stoves will increase your premium by 10% or a set amount of $100 or more, depending on your provider.
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