Just an FYI about 6 years ago my insurance company sent me a notification indicating that they were instituting an increase in my premium due to the fact I have a wood stove in my house. They did not ask or seemingly care whether or not it was installed correctly, inspected, permitted when installed, or anything. However I would bet that if it were not installed correctly or to code they have the option to refuse coverage of damage that may occur as a result.
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