Insurance an HT ovens

[Cushing H.]

A comment came up in a recently pulled up old thread (Stacy - I have never heard the term necroposting ... gotta laugh). Stacy made a comment that, for insurance purposes, even in a hobby situation, that a HT oven in a garage could be a problem (maybe even if on a wheeled cart).

stacy, or someone else, could you please elaborate? (This is exactly what I was considering doing...)

 

[Stacy E. Apelt - Bladesmith]

Many fire codes do not allow any heat or carbon monoxide producing machinery or equipment in an enclosed garage, room, or balcony.
Also, almost every city has a fire code not allowing a propane cylinder or device as above larger than one pound of propane inside any occupied building (most codes say the propane tank and any device with a flame has to be 20 feet away from any occupied building). Insurance companies are often even stricter.
I would bet that nearly everyone's BBQ grill is actually illegally close to the house. I know mine is.

Check with your fire inspector's office to find out your local fire codes. Don't assume what a regular fireman says is the code. Most firefighters (and often police) do not know the actual regulations/codes. Also, don't assume that just because everyone does it makes it legal.

 

[Cushing H.]

Got it - thanks.

I once stopped in an RV park where a few sites away there was a burned out husk of a camper. Apparently the owners had been using a propane grill basically right next to the side of the thing. A code of 20 feet might be overkill ... but apparently there IS such a thing as too close!

 

[weo]

I hope I'm not over-stepping here, but one thing I would do is to take a long time weighing the cost/benefit of buying insurance.

While the premise of insurance should be a gamble for both parties, the laws are in favor of the insurance companies, where often they win no matter what. I've know people who have played by all the rules, did their research, paid insurance premiums for years, then when an accident happened that would cost the insurance company some money, they were denied reimbursement. It would have been better for them not to have purchased insurance, but put those premiums into a bank account to access in such an emergency.

 

[Ken H>]

Many fire codes do not allow any heat or carbon monoxide producing machinery or equipment in an enclosed garage, room, or balcony. /QUOTE]
How do those places handle the kitchen stove? That's certainly a heat producing equipment.

 

[HSC ///]

I hope I'm not over-stepping here, but one thing I would do is to take a long time weighing the cost/benefit of buying insurance.

While the premise of insurance should be a gamble for both parties, the laws are in favor of the insurance companies, where often they win no matter what. I've know people who have played by all the rules, did their research, paid insurance premiums for years, then when an accident happened that would cost the insurance company some money, they were denied reimbursement. It would have been better for them not to have purchased insurance, but put those premiums into a bank account to access in such an emergency.

I’m generally in favor of “self insuring” when you can...

Insurance companies exist to make a profit off your premiums

to me self insuring doesn’t just mean you have enough money to cover a loss, it also means that you take the right steps to prevent a loss

 

[Cushing H.]

Ummmm ...... in the case of a garage attached to a house .... it there were a fire, and the insurance agency discovered it was caused by a HT oven in the garage, it is kind of difficult to self-insure for the entire contents of the house and the house itself. Better, I think, as stacy says, to understand what the coverage is, and either not use the HT oven there, or obtain appropriate coverage.

I typically self insure also .... but an irricoverable loss on an entire house and all its contents are something else completely....

 

[HSC ///]

Ummmm ...... in the case of a garage attached to a house .... it there were a fire, and the insurance agency discovered it was caused by a HT oven in the garage, it is kind of difficult to self-insure for the entire contents of the house and the house itself. Better, I think, as stacy says, to understand what the coverage is, and either not use the HT oven there, or obtain appropriate coverage.

I typically self insure also .... but an irricoverable loss on an entire house and all its contents are something else completely....

As I said ...when you can

Some people are more risk takers than others