I just received any inquiry from my Insurance agent ( American Family) about my outdoor wood burner. It is home built (2010) and of course there was no UL tag on it, also it is not on a pad. Mine sits on 6in concrete pilings 30 in deep, with gravel under and around the stove for a 12 ft square area. It sits 125 ft from my home and 100 ft from my shop, I am using it to heat both. I use heat exchangers with by pass valves, so it is not my primary source of heat in either building. So I would like to know how many of you out there are having this problem with their insurance carriers and how you have dealt with it. So far they have not told me to remove it but their final answer is pending. As most of you who have built their own stove, mine is over built, but that matters little.