[garysanfran]

Now illegal in many places for new construction. Look at the fossil fuel debate in general.

However, you already have one grandfathered. Don't let the bast"*ds win.

First, let them reject your current installation and make them detail the reasons. Then take each reason...one-by-one, and rebut their position. There are a lot of opinions in this thread that are just personal opinions and not the official position your insurance company may, or may not take. 18" floor clearance? Where did that come from? Heat rises.

And, I'm still not sure you have a problem. Has your company made any demands before they will renew?

I found that there are many insurers that do not understand vacation and resort geographies. I had one rejection because I didn't have enough neighbors that could see my place directly. I argued that I'm not the only place whose owners sought both privacy and a wood burning stove, and was still able to get insurance.

Insurance companies will take a conservative position, but if someone can show them a way to protect their buts, they'll opine on the side of profits.