Winter Losses
Scary Story – Surge Vs. Surging Boilers
Lightning and voltage surges get blamed for everything in the claims world. And while the damages they produce have earned them a negative reputation, they frequently aren’t the actual cause…
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Types of Boiler Losses Most Likely To Lead To An Insurance Claim
With snow piling up and outside temperatures below freezing, a policyholder in New York doesn’t want to worry about the boiler not working during the winter months. But then, Bang!…
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Common Heating System Losses Guide
Each cold season policyholders head to their thermostats to get warmer temperatures in their homes and businesses. Working that hard can take a toll on furnaces, boilers, and other heating…
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Residential Boiler Claim Case Study
Boiler claims can be tricky. When an adjuster in New York received a sudden boiler failure claim in which the insured had requested a replacement for nearly $6,000, he decided…
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Furnace Basics Claim Guide
In the cold winter months, you’re likely to see your share of claims involving furnace damage. To accurately handle such claims, it’s critical to understand the differences in furnace types,…
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Furnace Claims 101: The Basics of a Residential Furnace
A furnace is an essential part of many homes, and frequently used during the colder winter months. With this increased usage, adjusters can expect to see a parallel increase in…
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Boiler Basics Claim Guide
As an adjuster, you’re likely to see your share of boiler claims each fall and winter (or even summer, if a boiler acts as a water heater). It’s important to…
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Boiler Claims 101: The Basics of a Residential Boiler
Each winter, homeowners are reminded of the importance of their boiler systems, particularly if a system isn’t working as it should. As boiler claims begin to appear on adjusters’ desks…
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Furnace Claim Overview Video
In the fall and winter months, claims involving furnace damage are common. Whether the furnace itself has caused property damage from a puffback, or a frozen pipe has burst and…
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Boiler Claim Overview Video
Claims involving boiler damage can be particularly tricky. Each system has a different configuration, and both repairs and replacements can be costly. Additionally, boilers often heat both the home and…
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HVAC Fall and Winter Claim Handling Webinar Recording
We’re coming into the cooler seasons, when the boiler, furnace, and other heating system claims start rolling in, as these complex devices can fail for a number of reasons. You’re…
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Boiler LWCO Whitepaper
Boilers and Low Water Cutoff: Mechanical-Float Valves Low Water Cutoffs (LWCOs) for boilers are required by code in many states and municipalities, regardless of whether the boiler heating system is…
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HVAC Winter Concepts Webinar Recording
If the weather outside is frightful -- or maybe just a bit chilly -- it’s time for many to flip their HVAC systems from cooling to heating, and with that…
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HVAC Fall and Winter Claims Kit
When the temperature starts inching down, a whole new wave of claims can start flooding your desk. Your customers are starting to kick on their furnaces and boilers to get…
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Gas Furnace Video
Turn Up The Heat: How a Gas Furnace Works As an adjuster, insurance is your area of expertise. If you’re not also an expert on the inner workings of gas…
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Boiler Glossary
Boiler Breakdown: A glossary of terms and parts Boilers are a relatively common way of heating a home or business, but the complexities of these sophisticated machines aren’t common knowledge.…
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Puffback Damage
When the seasons change and winter temperatures settle in, homeowners fire up their heating systems for the first time and carriers begin to see an influx of furnace and boiler…
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HVAC System Freeze Damage
According to the Insurance Information Institute, Water and Freeze Damage claims are among the most severe property claims, with an average settlement of over $10,000. With the severity and frequency…
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Cracked Heat Exchanger Overview
Cracked heat exchangers are a frequent furnace loss seen in the winter months. Heat exchangers are vital components located in the furnace, and often fail due to typically non-covered causes…
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Furnace and Boiler Puffbacks
The following article on “Furnace and Boiler Puffbacks”, written by Matt Livingston of HVAC Investigators, originally appeared in the Technical Notebook Column of Claims Magazine and was also published on Property Casualty 360. Soot damage…
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Thermal Fatigue in HVAC Heat Exchangers
The following article on “Thermal Fatigue in HVAC Heat Exchangers”, written by Matt Livingston of HVAC Investigators, originally appeared in the Technical Notebook Column of Claims Magazine and was also published on Property…
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The Dangers of Freezing Water & Boilers
The following article on “The Dangers of Freezing Water & Boilers”, written by Matt Livingston of HVAC Investigators, originally appeared in the Technical Notebook Column of Claims Magazine and was also published on Property Casualty…
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