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Old 01-11-2022, 05:04 PM
 
302 posts, read 177,129 times
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What do you think about this fireplace/woodstove? I don't have a photo of the inside, but the smoke basically goes straight up to the outside. My concern is how the actual wood burning is in front of the brick chimney (instead of inside it).

An insurance agent said it may be a problem. I'm waiting on an actual professional to come and check it out. House was built in 1969. Tentative closing date is Feb 15, but only if all is compliant (conventional loan).
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Is this fireplace "insurance/loan compliant"?-20220111_155540.jpg  
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Old 01-11-2022, 06:00 PM
 
302 posts, read 177,129 times
Reputation: 507
This woodstove isn't very different in principle. The pipe elbows into the wall.

I think the agent is concerned about a propane set up illegally integrated with the woodburning. They mentioned a home where the owner jerry rigged a wood stove insert with out removing the propane lines etc that are originally made with the fire place.
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Is this fireplace "insurance/loan compliant"?-7948_en-setting_with-pipe.png  
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Old 01-12-2022, 01:42 PM
 
Location: Salem, OR
15,575 posts, read 40,425,076 times
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Out here those have to be removed for loans and insurance as Oregon requires stoves that are not EPA certified to be removed. It is possible the insurance company is requiring EPA-certified wood stoves as well. Woodstoves that stand outside the brick are called "pot belly" or freestanding wood stoves and are normal.
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Old 01-12-2022, 01:53 PM
 
Location: Rochester, WA
14,475 posts, read 12,101,318 times
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I really don't know. There's lots of free standing stoves, wood, propane and pellet.... perfectly legit... but the elbow in the chimney? I don't know about that, for a wood stove. I have seen chimneys like that for pellet and gas.... not sure about wood. I would talk to a stove company, and the lender, and your insurance agent.
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Old 01-12-2022, 03:42 PM
 
302 posts, read 177,129 times
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I think more than likely it would have to be removed. I don't think the original fireplace looked like this. If it is, it seems weird that they built it in front instead of inside.

The owner seems stubborn but I'll give an update when I find out. So far the owner needs to install step rails and possibly remove this thing. She was already unhappy about the low due diligent amount due to questions about the shared well that a judge supposedly ruled on.
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Old 01-12-2022, 06:09 PM
 
1,085 posts, read 692,338 times
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As long as the stove doesn’t violate state laws for those things (many do now), most carriers will approve it from an insurance perspective, albeit with a possible surcharge.

I’d rip it out on the aesthetics alone though.
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Old 01-12-2022, 06:49 PM
 
Location: Just south of Denver since 1989
11,826 posts, read 34,430,278 times
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I am amused that snowman posted about a fireplace
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Old 01-12-2022, 06:53 PM
 
Location: Rochester, WA
14,475 posts, read 12,101,318 times
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Quote:
Originally Posted by TX Rover View Post
As long as the stove doesn’t violate state laws for those things (many do now), most carriers will approve it from an insurance perspective, albeit with a possible surcharge.

I’d rip it out on the aesthetics alone though.

It's nice to have an auxiliary source of heat. I'd think it would be a LOT more efficient then an insert for heat.

There are prettier stoves though, perhaps an upgrade down the road.
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Old 01-12-2022, 06:56 PM
 
Location: Rochester, WA
14,475 posts, read 12,101,318 times
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Looking at it again.... Snowman, are you sure it's not a pellet stove? Looks like it might open on the top.
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Old 01-12-2022, 07:04 PM
 
1,085 posts, read 692,338 times
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Quote:
Originally Posted by Diana Holbrook View Post
It's nice to have an auxiliary source of heat. I'd think it would be a LOT more efficient then an insert for heat.

There are prettier stoves though, perhaps an upgrade down the road.
Very true. Having survived snowmageddon here in TX last winter, secondary heat sources were a big thing (or just generators).

If that wall heater is the primary source, I’d definitely look into a traditional fireplace build.
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