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I'll have to ask one of my clients about this. He just burned down his house with a wood stove and his insurance company paid him for the house. I'll have to see if he had to notify them when he put the stove in. I'll also have to read my parents' insurance policy to see if there are any exclusions for wood stoves. Most people couldn't afford to lose their house and not have the insurance company reimburse them for it, especially when they are retired.
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The pond, waterfowl, and yellow labs...it don't get any better.
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