That said, you’re not telling them anything other than the truth. If you tell them you’re building a post and beam home or a post and beam home with cellulose insulation, that is 100% the truth. Like I said, when are you required to tell the insurance company that you are building a fiberglass insualtion home? Never. You may be asked to list the insulation material, maybe, but it won’t make or break the insurance coverage.

If asked about the insulation, write in cellulose material. If they want more information, tell them straw bales. I am not recommending that you lie. I am recommending that you give them onlywhat they ask for and nothing more. Is there an exclusion on your policy against straw bale walls or some other language that will render your policy useless when called upon? If not, then they have no ground to stand on for pulling coverage if you’re honest in your application. Writing cellulose is an honest statement (http://en.wikipedia.org/wiki/Cellulose).

The problem here is that the industry won’t recognize the FACT that straw bale construction has been independently tested for fire ratings and that is exceeds that of conventional homes. If they would stop creating a misconception about the building material, it would be easier to say “I’m building with bales!!!”