@Wintersgirl lots of insurers won’t insure a thatched house with a wood burning stove for the reasons you cite. A friend of mine with a thatched house has to keep finding a new insurer as companies who have been prepared to insure a thatched house think better of it, and she hasn’t even got log burners. Her house insurance is £2k a year and they inspect the thatch.
I’m really wondering how Yawn gets insurance based on the bodge job she’s done on the house, the wood burner, the state of the thatch and the fact it’s vulnerable to flooding. The only thing in its favour is that it’s clearly not listed. She’s going to need to shift a lot of Aloe Vera to cover the cost.