----- Original Message -----
Sent: Thursday, March 04, 2010 10:19
AM
Subject: Re: Help - Homeonwers Insurance
will not cover Passivhouse.
Why not just say it's an electric resistance forced air system
with supplemental electric baseboards. That's what it is. Or just say
"electric furnace" if "electric resistance forced air system" is too
long.
David
David Elfstrom, P.Eng, LEEDŽ AP
President,
Elfstrom Engineering
#421-437 Roncesvalles Ave, Toronto, Ontario, M6R
3B9
mobile 647-235-8872
fax 647-436-7832
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www.elfstromengineering.com
On
04/03/2010 9:47 AM, Steven & Barbara Landau wrote:
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type="cite">
I have started construction of my Passivhouse
Project.
I am having trouble arranging insurance for the house once
complete.
When the agent asks for why type of heating system
we have, I have used this comment:
The heating/ventilation system in
the passivehouse is integrated.
There is a HRV- or Heat Recovery
Ventilator. This takes cold air from outside, and brings it in
while at the same time removing stale air. During this exchange the heat
from the warm air is transferred to the cold air coming in.
The HRV
recommended by my HVAC has an
electrical anti-frost heating elements that automatically turn on at about
10 degrees Fahrenheit. This pre-warms the
air, so cold air does not enter the house the house.
Our engineer
calculated that we will need approx 2500W of electric heat on the coldest
day of the year to maintain comfortable temperature. This 2500W will
be supplied by 1000W in the HRV and 1500 w electric radiators in the
bathroom, probably we will use one of these:
http://www.mysoninc.com/store.asp?pid=16792 on a
thermostat in the bathrooms.
So, in conclusion, there is
some electric heat, on a thermostat to keep the bathrooms warm.
We have been turned down by 2 insurance
companies. Pretty silly isn't it.?
Can
someone recommend an VT licensed agent or insurance company who can
understand what we are doing?
Steve Landau
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