this post was submitted on 04 Jan 2024
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Insurance doesn't play by normal rules. Their job is to deny. That's it. don't give them justification to deny. If you attach any device to the appliance not approved by manufacture, you modified the device.
No it doesn't. Why does code deal with chimney, exhaust etc... That's clearly after the shut off.
I agree they will still need to prove that it caused failure. I never said OP shouldn't do this, just to be cautious about the realistic aspect that insurance can use this as firepower to deny and local codes could also prevent modifications. People don't always think about it so it's good information to be aware of.
And to deny a claim they must prove that it was a factor, there’s laws to prevent this from happening and recourse if they try to do that.
Different codes… explain how does a gas code apply to a chimney or exhaust please?
For your edit, can you provide an example of this happening? It gets perpetuated, but it doesn’t seem to be based of any evidence or facts.
CAN/CSA-B149.1:20
Go talk to my governing body that encompasses all components of HVAC into ..HVAC..and ask them why exhaust from the gas is their responsibility.
Gas does not just mean gas supply. It also incorporates combustion, and exhaust, strapping, spacing of straps, how level the machine must be, types of materials used, how alterations to equipment must be handled and about 40 other things at a minimum.
As for the edit, I'm not digging through old documents to give you proof that insurance doesn't pay without costly fights when you modify things without approval from manufacture or governing bodies.
That’s a CSA and only applicable if code has adopted it, which isn’t universally across the board either. The gas codes will pull what they need, the plumbing code will pull what they need… you’re attributing multiple trades into 1 while specifically only refering to 1 code they are bound by. You didn’t mention anything g else other than “gas code”. Now you’re talking about plumbing and exhaust.
I did talk to them, they said the guy online is full of shit and knows just enough to make a fool of themselves since they make standards for agencies to adopt what they need out of for their codes.
And you realize you are bound by those codes and standards if you’re a gas fitter doing paid work, yeah? A homeowner installing a gas appliance doesn’t need to, the code ends at the gas connection to the appliance.
You made the claims onus is on you, but I’ll do you a favour. The old documents don’t exist, that’s a lie, and even if they did, shits changed. And for posterity, what are they called, I’ll look them up if you won’t. I doubt you I’ll do this though since again they don’t exist.
Theres not some magical list that says what insurance of modifications that insurance will and will not cover, that’s addressed by them having to prove it caused the issue.