Oil burner puff backs insurance claims are more common than one might think. Furnace puff backs are a major cause of home and commercial damage. It’s unfortunate to have furnace issues before or especially, during the winter holidays. When furnace oil burners cause fire and smoke damage at the beginning of winter, repair & recovery costs may be great enough to submit an insurance claim.
Public adjusters at Landmark inspect your residential and commercial furnace damage, property, and household items lost due to an oil burner fire independently of your insurance company. Significant wall damage may be easily visible to you along with soiled furniture and fabric. Appliances, electronics, and HVAC systems may also need to be replaced due to furnace puff backs.
Furnace Puff Backs Insurance Claim Public Adjusters
It’s not uncommon for oil burners to puff back when not started for many months. The combustion chamber can build up soot and ignite when an oil burner starts up first sign of cold weather. The average cost to submit an insurance claim for a furnace oil burner fire ranges from $60,000 – $100,000 dollars. A new furnace in New York and New Jersey can be over $10,000 depending on your residential or commercial square footage. Depending on the size of your home and damages, insurance claims can rise but your payout may not be sufficient. For this reason, Fire and smoke damage insurance claims keep Landmark public adjusters busy this time of year.
It’s ideal if you can prevent oil burner buff packs prior to the winter season with routine maintenance. However, even if you do annual checkup for prevention, mechanical failures may happen with electrodes and other burner parts. Furnace oil burners can explode and cause fires causing a major disruption in your life. It’s a terrible feeling to not have heat or be displaced from your own home or workplace.
Many people report hearing a loud noise when an oil burner or furnace fails. Generally, that’s when soot travels into the heating ducts, boiler room, and beyond. This is when smoke and fire damage can become costly causing you to submit an insurance claim. It’s overwhelming to experience a fire or puff back due to an old furnace or oil burner problems. Landmark shares reasons for puff packs and helps homeowners and businesses recover from damages with public adjuster services in Suffolk County, Nassau, County, Long Island, Manhattan, New York, Queens, Brooklyn, Bronx, Monroe County, NY, Bergen County, New Jersey, and surrounding areas.
5 Reasons for Oil Burner Puff Backs Insurance Claims
- Not using an oil burner in spring and summer
- Nozzle or filter clogs
- Seal leakage
- Misfires
- Oil Vapor Build Up
Dirty or blocked chimneys can also be a warning sign. While blocked chimneys may not be covered by insurance companies, soot and smoke damage from accidental puff backs are included in most policies. Many homeowners leave the fireplace flue closed all year not realizing it when starting the first fire of the season. Remember to open your flue damper completely for proper ventilation and air flow. Clean your fireplaces and heating system before winter. Make sure smoke and CO detectors are installed and checked regularly.
Public Adjusters Independent Puff Back Inspections
If you smell oil or see oily residue or black stains this could indicate soot. If you have already experienced a fire with your furnace with major damage, Landmark Public Adjusters provides an independent insurance adjuster consultation beyond your insurance company. Your insurance company will dispatch a representative to see your residential or commercial insurance claim damages. Since insurance adjusters from major carriers may have tons of other claims to process, they may not give you the time necessary to create a comprehensive list of detailed damages. This often results in a lower payout to you. It’s in the insurance companies’ best interest to payout less premiums with the objective to keep costs down.
Landmark public adjusters represent you. Insurance adjusters with oil burner puff back experience know what to look for and are well versed in navigating and negotiating with insurance companies. Landmark also helps you find temporary housing if you are displaced from your home or business. The last thing you what to do is battle your insurance company when you are already dealing with a stressful event. Contact Landmark Public Adjustments for assistance with your oil burner or furnace insurance claim submission in New York or New Jersey.