Looking for some from anyone or even in particular Michigan-based insurance agents. I have a risk with an older wood stove that’s becoming a dead end from an underwriting standpoint. I’ve already reviewed it with underwriting at:
- I have Auto-Owners, Scottsdale, Markel, Frankenmuth, Citizens, Hanover, American Modern, Foremost.
All have declined primarily because the customer cannot locate a UL label on the stove, and it does not meet their internal minimum clearance requirements. Customer says it was installed to spec, it appears to be installed according to NFPA but he cannot produce an official manual, make or model of the stove. He's not a shady customer by any means just seems like a weird situation.
What’s confusing is that the stove is fully encased in masonry, sits on a non-combustible floor, and appears to be installed in a very conservative manner. Despite that, underwriting is still drawing a hard line due to the lack of a UL label and internal clearance standards.
At this point, I’m trying to determine if there are:
- Any Michigan-admitted or regional carriers that will consider these on a case-by-case basis
- Any surplus lines options that don’t automatically disqualify due to missing UL labeling
Not looking to force a square peg into a round hole; just trying to understand what realistic option exists before telling him it’s a full stop unless the stove is removed or replaced.
Appreciate any insight or carrier experiences you’re willing to share.