Radiant= No homeowners ins. ?

Dale

Just had a customer say AMICA insurance company wouldn't give them a quote because they had radiant heat. Company said reconstruct costs are higher with radiant. Anybody else heard this?

Dan Peel

What's in a word

Sometimes Insurance comp[anies hear 'Radiant' and assume resistance electric ceilings - tough to insure htese days. When your customer calls it 'hydronic" or "hot water heat" there should be no issue. Enjoy......Dan

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S Ebels

Tell 'em

Find a different insurance company. There was [past tense] a company in these parts that was going around telling customers they would no longer insure them if they had fuel oil. Many folks just switched but one customer called the attorney generals office in Lansing and raised a little sand about it. The ins company was told to "straighten up" and to cantact all the folks they had canceled.

Mark Eatherton1

Entran II owners beware...

Entran II has been legally found to be "defective" and as such, the insurance companies have taken the stance that if you knowingly allow E2 to stay in your home, that they will no longer insure your home for water damages. How do I know this? I had a 70 year old retired minister who called me in to look at his leaking system. It was E2. He called his insurance comapny of over 40 years, and they gave him the bad news. I've never seen a minister so mad in my whole life...

He FIRED that insurance company, took out a personal loan to replace the system, sold his home, took his losses and moved to California to be close to his grand kids.

Thanks a lot insurance companies. Sure renewed my faith in them, for sure.

As for not insuring "radiant heating" systems, I agree with Dan, probably a miscommunication on the agents part. If they're going to stop insuring hydronic radiant heating systems, theres going to be a WHOLE LOT of RICH customers with a fight to pick...

ME

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marc

maybe

it has to do with water damage, or mold developing from water damage. nothing like a water feeder that is dedicated to delivering 12 psi, regardless of whats happening. marc

Mark Eatherton1

Thats why...

we don't do water feeders anymore. Low pressure cutoff backed up by low water cut off and our insurance company LOVES us. Truth be known, it's the only way they'd continue to insure us...

ME

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Boston Boiler_2

Insurance companies are getting out of control right under our noses. Not too many years ago some companies picked three dogs that they didn't think were fit to live in homes they insured. More companies jumped on the wagon and then the Center for Disease Control started a list of dogs that were dangerous to peoples health. The list topped 25 breeds of dogs that insurance co.'s will not write a policy if you have one of them in your home. Now they are starting on homes that have swimming pools. People that didn't have the so called dangerous dogs didn't care until it spread to Labs,Dalmations, etc. Now people without pools also don't care. Insurance companies dictate what kind of dog or weather you can have a pool or not now. How long do you think it will be before types of heating systems or fuels are on their list. PA has a non-discriminating law protecting people from this practice, other states do not.
Large populated states have "State Fair Plan" which puts people that can not get a policy on a state plan. Research a little of this and then wonder where public outrage has gone.

BB