Michigan codes.
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Hi everyone. This is my first post. I purchased a Coal Chubby and I'm ready to start the installation. I've been doing on-line research for months and believed I was clear on the codes here in Michigan, but now that I'm under the gun, I'm second guessing myself. Does anyone know where I might be able to find Michigan's codes? Or who I can contact? The reason I'm getting tripped up is my insurance agent sent me the clearances that the inspector will be checking, but I thought the inspector would follow the stove manufactures recommendations. Is this correct? As I'm sure you all know, the clearances the insurance agent sent are, in most cases, greater then what are listed on the Chubby. For example, the hearth pad would need to be larger to meet the State code, then what Larry has listed for the stove. I'm embarrassed to be asking this of the forum as I honestly thought I had a clear understanding of what needed to be done to install the Chubby before I ordered it.
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Jack, I contacted the building inspector for Chippewa county this past winter. Surprisingly, he told me to contact the State. I hadn't expected that. That concerned me as to who I will contact to actually inspect the installation?? Thank you for the suggestion.
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Presumably the clearances for the stove have been arrived at when the stove was tested in a UL laboratory. i believe the state will accept that, rather than figures for untested stoves. Your query should be if the state accepts UL figures for clearance.
- Sunny Boy
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Many times insurance companies and municipalities use the National Fire Codes as their local codes for allowable heat shield materials and clearances for stoves and pipes.
I've posted them and they were a sticky at the top where newbies could find them, but they got moved somewhere when this site was redesigned.
Wait,.... I found 'em here.
Post by Sunny Boy - Stove and Stove Pipe NFPA Clearances.
Paul
I've posted them and they were a sticky at the top where newbies could find them, but they got moved somewhere when this site was redesigned.
Wait,.... I found 'em here.
Post by Sunny Boy - Stove and Stove Pipe NFPA Clearances.
Paul
Last edited by Sunny Boy on Mon. Aug. 27, 2018 6:54 pm, edited 1 time in total.
- Richard S.
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All the stickies and popular topics are linked from the "Popular XYX topics...." found at the top of each forum. Less clutter and room for more links. That one is here, coincidentally at the very top,
Popular Chimney, Coal Bin & Other General Coal Topics
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Ohio is code central yet the OBBC does not address wood or coal stoves and they require no permits... Many states do not require nor offer any inspections or code enforcement for the above... IT comes down to liability and if the authority having jurisdiction were to approve your set up as safe and your place burned down guess who your insurance company is calling!!!
General rules no closer than 36 inches from anything flammable and that includes single wall pipe... Once the pipe meets structure to exit a building then single or triple wall or a masonary chimney is to be used...
I used to live in NE Wisconsin could throw a rock into UP and every building had a wood burning stove and none were inspected...
General rules no closer than 36 inches from anything flammable and that includes single wall pipe... Once the pipe meets structure to exit a building then single or triple wall or a masonary chimney is to be used...
I used to live in NE Wisconsin could throw a rock into UP and every building had a wood burning stove and none were inspected...
- Bob500
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In my town in CT the building inspector and fire marshal came out to look at mine. They followed the spec sheet that I printed from the Chubby web site. They measured everything and were very detailed. That's what my insurance company required as well as the UL listing. You will really enjoy the Chubby.
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Yes, you are right. Before I moved into my house here in KY a few years ago, I had central air and heat installed (which was inspected), and wood stove installed (by contractor), which was not inspected.
All State would not insure a house with a wood stove, but my agent found a company that would--they charge $50 a year extra for that. The insurer did not ask to look inside--just the outside. Obviously All State would have smelled smoke if I tried to sneak by with it. The insurer is American Modern out of Ohio, and they were better than my neighbors All State when a tornado hit--mine gave full compensation--fast--even though they could have taken off depreciation.
All State would not insure a house with a wood stove, but my agent found a company that would--they charge $50 a year extra for that. The insurer did not ask to look inside--just the outside. Obviously All State would have smelled smoke if I tried to sneak by with it. The insurer is American Modern out of Ohio, and they were better than my neighbors All State when a tornado hit--mine gave full compensation--fast--even though they could have taken off depreciation.
archangel_cpj wrote: ↑Sat. Sep. 15, 2018 9:37 pmOhio is code central yet the OBBC does not address wood or coal stoves and they require no permits... Many states do not require nor offer any inspections or code enforcement for the above... IT comes down to liability and if the authority having jurisdiction were to approve your set up as safe and your place burned down guess who your insurance company is calling!!!
General rules no closer than 36 inches from anything flammable and that includes single wall pipe... Once the pipe meets structure to exit a building then single or triple wall or a masonary chimney is to be used...
I used to live in NE Wisconsin could throw a rock into UP and every building had a wood burning stove and none were inspected...
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The insurance companies consider stoves to be supplamental appliances so they add risk. A boiler or furnace is consider exacty what they are no matter the fuel. Just stick a kerosene heater in the middle of your living room and see what the insurance man says.
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Now State Farm could care less about my stoves... I asked my agent if I needed a fire inspection (Pretty easy I would just sign it myself) but they said nope I asked if I needed a rider nope...
- Sunny Boy
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Sometimes, if you ask your agent they don't care,... but if you were to ask the insurance company directly, they get touchy about technicalities.
My agency used to send a form questionair every year with the copy of the policy. One line of the form asks to list type of house heating system and all fireplaces and stoves.
I filled it out the first year and never heard anything back from them. Each year since I never bothered to fill it out and I still haven't heard anything from them. Only time they contact me is if I'm late paying.
Paul
My agency used to send a form questionair every year with the copy of the policy. One line of the form asks to list type of house heating system and all fireplaces and stoves.
I filled it out the first year and never heard anything back from them. Each year since I never bothered to fill it out and I still haven't heard anything from them. Only time they contact me is if I'm late paying.
Paul
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I just got a policy from All State and they did not seem to care about the coal stove it is listed and they singed off on the binder. It is less than Liberty Mutual and has better coverage. Liberty had a deduction for hurricane damage of 15% and All State has a 125% payout for wind and hail damage go figure.charlesosborne2002 wrote: ↑Sat. Sep. 22, 2018 3:42 pmYes, you are right. Before I moved into my house here in KY a few years ago, I had central air and heat installed (which was inspected), and wood stove installed (by contractor), which was not inspected.
All State would not insure a house with a wood stove, but my agent found a company that would--they charge $50 a year extra for that. The insurer did not ask to look inside--just the outside. Obviously All State would have smelled smoke if I tried to sneak by with it. The insurer is American Modern out of Ohio, and they were better than my neighbors All State when a tornado hit--mine gave full compensation--fast--even though they could have taken off depreciation.