hellosailor - thanks for the more accurate information. My version came 2nd hand from my surveyor when I originally learned of the problem of keeping the Paloma (which I hope I have made clear was a unit that was not and could not be vented out). The surveyor said the generally accepted standard now was to accept instant heaters IF they were vented out. The 3 insurance companies I applied to ALL said no way to ANY instant gas appliance. That was over a year ago so who knows what they want today. While the ins co were flexible with some other "unreasonable" wants, they would not move on this issue.
"We have met the enemy and he is us." - Walt Kelly's Pogo