This paper considers the onset of free convection in a horizontal fluid-saturated porous layer with uniform heat generation. Attention is focused on cases where the fluid and solid phases are not in local thermal equilibrium, and where two energy equations describe the evolution of the temperature of each phase. Standard linearized stability theory is used to determine how the criterion for the onset of convection varies with the inter-phase heat transfer coefficient, H, and the porosity-modified thermal conductivity ratio, gamma. We also present asymptotic solutions for small values of H. Excellent agreement is obtained between the asymptotic and the numerical results.