From your posts, I assume you modified the unit to use coal instead of fuel oil.
In doing insurance inspections on both residential and commercial applications, I've found that woodburning stoves and insurance companies are natural enemies. And insurance companies go berzerk over a heating system that has had ANYTHING modified from the original manufacture.
But--it varies greatly from one insurance company to another. One company requires me to fill out a separate two page report on a wood burning stove when I encounter one, another company just wants to know when one is there. They all want copious photos. This is not meant to cast a negative light on your setup, but some of the wood stoves I've seen people cobble together are enough to scare the daylights out of any insurance company.
Seems none of the companies I work for get too excited about wood burning fireplaces. But-most fireplaces are professionally installed with no room for modification.
Even though yours is not wood burning, if it's been modified from the original manufacture, insurance companies probably see people dying from carbon monoxide, buildings burning down, etc. If you've modified it, they aren't going to come out and admire your work, they're just going to decline to become involved.
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