I already reviewed their questionaire regarding a fireplace/woodstove. It leads me to believe that they will be looking for a licensed contractor. We will see. It might be time for a new insurance company.
My sister and bro-in-law ran into that same problem with a wood stove that was on the enclosed back porch. It was in the house when they bought it, and a few years later the insurance co. said "get rid of it or we won't be able to insure the house for the same rate". They got rid of the insurance company instead.
