Gas stove connected to propane tank.

[Peter123]

Hi,

I bought a house with gas stove connected to a propane tank. The same small propane tank uses for a garden grill. The tank is outside and it is connected to stove in the kitchen by a pipe.

This is a convenient solution for me because I can change tank easily and the cost is smaller than if I would use an electric stove.

I am trying to figure out if this is against codes/insurance rules. Can someone answer me if in case of fire in my house insurance company would not honor and cancel the claim because of this?

 

[Markthebroker]

This is a question about how your insurance agreement is set up and how it will pay out. This is a conversation you should be having with your agent.

 

[adjusterjack]

I am trying to figure out if this is against codes

You can find that out by calling the city or county building code department.

Can someone answer me if in case of fire in my house insurance company would not honor and cancel the claim because of this?

Many homes around the country have appliances that are served by propane gas and the standard homeowners policy has no exclusions or limitations that would result in denial of a fire claim.

My take as a former property adjuster is that I would pay the claim but if there was anything hinky about the installation I would leave it up to underwriting to decide what to do at renewal.

The only time I can think of that might be a problem with a claim is if the homeowner application asked about propane and the applicant failed to disclose its presence.

When you bought the house and applied for the policy, presumably you kept a copy of the application that you signed and can look at it now to see if there are any questions about propane.