Consumer Alert

Contact: Karl Newman, President
Darrin Sanger, Communications Director     

Washington Insurance Council    
Phone: (206) 624-3330
Fax: (206) 624-1975
karl.newman@wiconline.org
darrin.sanger@wiconline.org

Wood-burning tips to keep you warm & safe

SEATTLE – Wood-burning are an effective way to heat your home.  They also can be extremely dangerous if precautions are not taken.

Nearly half of the reported fires in one- and two-family dwellings are attributed to the use of solid-fuel appliances.  These accidents cost homeowners thousands of dollars in damage and loss.

The Washington Insurance Council encourages those who burn wood as a source of heat to first follow these helpful tips:

• Notify your insurance company or agent before you purchase your appliance or begin to install it.  Be sure to ask about any special requirements.
• Install your wood-burning appliance correctly.  Obtain a building permit, follow the building code and manufacturer’s recommendations and conform to any special requirements of your insurance company.
• Use your wood-burning appliance safely. 
• Burn proper fuels – no milk cartons, other trash or Christmas trees.
• Maintain your wood-burning appliance on a regular basis.  Inspect the appliance and chimney for cracks or corrosion.  Sweep the chimney and check your fire extinguisher at least once a  year – before the burning season.

Most homeowners insurance policies cover fire damage or loss caused by wood stoves. 

Coverage for any loss depends on your insurance policy, the information you have given your agent or homeowners insurance company and the circumstances of the occurrence. Most insurance contracts for homeowners are similar, but each company may have unique features in its policies.  Check with your agent or insurance company to learn more about your coverage.

For more information on wood-burning stoves and appliances, contact the Washington Insurance Council at (206) 624-3330 or (800) 664-4942.

The Washington Insurance Council is a nonprofit, consumer education organization funded by member insurance companies.

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