Your boiler is one of the most important components of your home. Yet, when it stops working, you may not be sure what steps to take to pay for its replacement.
Unfortunately, most times, your home insurance policy does not cover boiler breakdowns. There are some situations in which it can help you, though. Here are a few things to consider.
Why Did The Boiler Break Down?
To determine if you have coverage, consider what caused the boiler to stop working. Most often, normal wear and tear is to blame. The system gets older, is no longer efficient, or may even have a part failure. When this occurs, the home insurance policy cannot offer any coverage to you. Your insurer expects you to maintain your home and all major components. Making repairs on your boiler is a part of that mandate.
In some cases, the boiler breakdown may not be due to maintenance and upkeep. For example, a fire may cause structural damage to the system. In this case, your insurer would determine what the underlying cause of the fire is. If your policy covers that claim, it may pay to replace or repair the boiler as well.
A leak may occur due to a frozen pipe. When this happens, it can cause water damage throughout the home. Because the boiler uses water to heat your home, the problem may cause your system to stop working. In this case, your coverage may have limitations. In most cases, the home insurance will provide coverage for the clean up of the mess left behind. This includes removing the water, and removing and replacing the damaged materials. However, even in this situation, your policy it may not pay to repair the system or replace it.
What Should You Do?
If you think you may have the ability to file a claim, contact your Lancette Agency representative. They will discuss your coverage with you.
You can also schedule an inspection determine the underlying cause of the problem. Once this occurs, your agent can help you to schedule the repairs if the policy offers coverage. If you do not have coverage, you may have to pay out-of-pocket for the losses you experience.
Speak to your Lancette Agency representative. Your agent might be able to help file a claim to get the repairs taken care of.