If you want to do business with those incompetent people then I would skip over everyones heads and call the underwriter whose name should be on the letter you got and explain that they facts are wrong, and that the inspecter didn't even go inside.
But I know for a fact that Farm Bureau will allow you to have wood heat. They will access a surcharge of 10-15%. At least that is how they do it here in Mo.
I do know a little bit about it since I sleep with a property inspector for Mo. FB.
Also, around here we have "county mutual" ins. companies and they have no problems with wood heat.
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Today's Featured Article - The Tractor Parade: Story of a Case SC - by Bernie DeLon. On a early fall morning back in 1994, I opened the newspaper and happened to spy an article about a local antique tractor club having their annual show that weekend.
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