Did a cleaning of chimney and woodstove in MacTier area recently.  Looking at installation and talking with customer, asking questions, came up with some interesting observations.

Insurance company, believe it is State Farm, had a consultant look at property as I understand.   Sadly the person said the install was okay, clearances okay, chimney okay.  All good.  A huge liability to the insurance company in this case.

I looked at chimney and told homeowner I did not think it was tall enough, although they had been told it was.  I took ladder off truck and went onto roof to make some measurements.  Well it seems this person who is a consultant does not know the building codes, B365 or any clue on woodstove installations.  Chimney needs to be either 3 feet (or 900mm) above roof where it comes out of the roof, good there.  They may have known this point.  Chimney also needs to be 2 feet (600mm) higher than any part of structure within 10 feet (3 metres).  Chimney was on lower roof than main residence, and was not that far from the other wall.. in fact at closest point around six feet and around eight and half feet to the peak!   Meaning it needs to be 2 feet above peak of main structure.  And it needs support to the roof as it is over 60 inches tall (factory built chimney).

Then inside, stove needed 17 inches clearance from combustibles at rear and had 9 inches clearance.  Now it did have a faux brick surface on wall, which consultant said allow reduction in clearances.  Wrong again.  Yes masonry can provide a 50% reduction, if it is away from wall with air space behind it; if it has airspace at bottom and top as well thereby allowing airflow on each side.  (measurements of distance from wall and distance from floor and ceiling are critical)  But this had none of this, simply attached to combustible wall.

And it had missing fasteners at stove pipe joints, another code violation.

The really bad part is these individuals are providing incorrect information to insurance companies, thereby increasing liability.  May cause a serious discussion between homeowner and insurance company if anything were to happen, as insurance company may argue it was okay and something had changed.   And is putting families at risk due to their confidence in these individuals and the information they provide.  Reality is it is happening.  When you get your chimney cleaned, hire a WETT Certified Chimney Sweep who can point out these violations and recommend how you can fix.