Home Insurance Quotes
Ready to get a quote?
Get quick and easy home insurance quotes
A "puff back" is a misfire of an oil furnace that may send soot shooting through your home.
These are rare but can be costly in terms of repair. In most cases, "customers have not serviced their heating systems and they have been sitting idle," said Bowen. "Usually there are jets that push the oil into a chamber where it is burned for heat. The jets get clogged, the oil builds up in the chamber, and all of a sudden it decides to spark. Usually customers will say, 'I heard a huge bang and all of a sudden there was soot all over the home.'"
The homeowner usually can't clean up the mess because of the oil residue. Insurance companies may bring in mitigation specialists to supervise the work.
Have your oil burner inspected yearly. There are about 50,000 home fires each year in the United States related to heating system failures, Bowen says.
Pages in this slideshow:
Ready to get a quote?
Get quick and easy home insurance quotes
Related Articles
See 2013 Customer Satisfaction Ratings
Would you renew?
Yes
No
98%
2%
Would you renew?
Yes
No
98%
2%
Would you renew?
Yes
No
98%
2%
Would you renew?
Yes
No
95%
5%
Would you renew?
Yes
No
91%
9%
Would you renew?
Yes
No
95%
5%
Would you renew?
Yes
No
89%
11%
Would you renew?
Yes
No
94%
6%
Would you renew?
Yes
No
88%
12%
Would you renew?
Yes
No
85%
15%
Would you renew?
Yes
No
86%
14%
Would you renew?
Yes
No
89%
11%
Would you renew?
Yes
No
95%
5%
Would you renew?
Yes
No
87%
13%
Would you renew?
Yes
No
81%
19%
Would you renew?
Yes
No
89%
11%
Would you renew?
Yes
No
94%
6%
Would you renew?
Yes
No
81%
19%
Would you renew?
Yes
No
84%
16%
Would you renew?
Yes
No
74%
26%
Would you renew?
Yes
No
98%
2%
Would you renew?
Yes
No
94%
6%
Would you renew?
Yes
No
97%
3%
Would you renew?
Yes
No
97%
3%
Would you renew?
Yes
No
96%
4%
Would you renew?
Yes
No
93%
7%
Would you renew?
Yes
No
89%
11%
Would you renew?
Yes
No
86%
14%
Would you renew?
Yes
No
96%
4%
Would you renew?
Yes
No
90%
10%
Would you renew?
Yes
No
89%
11%
Would you renew?
Yes
No
91%
9%
Would you renew?
Yes
No
88%
12%
Would you renew?
Yes
No
88%
12%
Would you renew?
Yes
No
89%
11%
Would you renew?
Yes
No
82%
18%
Would you renew?
Yes
No
88%
12%
Would you renew?
Yes
No
88%
12%
Would you renew?
Yes
No
82%
18%
Would you renew?
Yes
No
85%
15%
Would you renew?
Yes
No
90%
10%
Would you renew?
Yes
No
95%
5%
Would you renew?
Yes
No
96%
4%
Would you renew?
Yes
No
85%
15%
Would you renew?
Yes
No
95%
5%
Would you renew?
Yes
No
97%
3%
Would you renew?
Yes
No
92%
8%
Would you renew?
Yes
No
86%
14%
Would you renew?
Yes
No
95%
5%
Would you renew?
Yes
No
94%
6%
Would you renew?
Yes
No
97%
3%
Would you renew?
Yes
No
88%
12%
Would you renew?
Yes
No
92%
8%
Would you renew?
Yes
No
89%
11%
Would you renew?
Yes
No
95%
5%
Would you renew?
Yes
No
92%
8%
Would you renew?
Yes
No
93%
7%
Would you renew?
Yes
No
84%
16%
Would you renew?
Yes
No
97%
3%
Would you renew?
Yes
No
85%
15%
He won’t be able to transfer the existing policy to you. You’ll need to buy your own home insurance policy. You could call up the same company he uses to get a quote, but this is a good time to shop around to compare prices among insurers...
Sounds like you’ve put the cart before the horse here. You need to have an insurance policy in effect at the time of the damage or injury in order to have the claim paid...