Well, our insurance company told us we have to make some changes to the wood burning stove. The stove pipe is too close to the stairs, which are wood (combustible), and there is not enough stone surrounding the stove to protect the floor. We knew these were problems but were hoping to push that job off until Spring. Oh, well. We have a local chimney guy coming to replace the lower sections of stovepipe with the insulated type, and we will do the stone work ourselves. Should be interesting.