Q. My daughter has been looking to buy here and working with you.

She told me that every time she looks at a home with a wood stove in it you recommended that she get rid of it and install a pellet stove or gas stove instead. I’ve had wood stoves and fireplaces all my life and don’t see what the problem could be. What do you have against wood heat?

A. There are several reasons that I make that recommendation. The most important one has to do with insurance. In the last few years the insurance industry has become more and more conservative. They are turning down homes with problems and often turning down homes that have ever had an insurance claim. One of the things many of them are doing is refusing to insure homes with woodstoves since they can show that the woodstoves pose a fire hazard. Even when they do insure these homes they want to be sure the wood stoves are newer, certified stoves. Some companies are even charging more for such insurance.

Another reason for mentioning other heat sources is that studies have shown that burning wood creates pollution. That pollution is outdoors, from the smoke of the fire and also indoors. Even the newer certified stoves put out enough particulate matter indoors to cause problems for those with asthma and allergies.

Pest inspectors often mention the issue of wood destroying organisms (bugs) being brought into the house on firewood. This can create problems if those bugs decide they like the taste of your floor, walls or furniture.

For those who simply love a wood fire the only choice is a wood stove or fireplace, but for those who just want the warmth and look of fire without the hassle, there are other options. Part of my job, I believe, is to educate people. I try to keep up with as much information as possible that involves real estate so I can pass that on to my clients.