Furnaces have a lot of components that could potentially malfunction and cause problems for a policyholder. Adjusters shouldn’t guess about how to handle the claim. Doing so could lead to unnecessary settlements for damages caused by a non-covered peril or for replacements of systems that could have been repaired. (Credit: oasisamuel/Adobe Stock) Furnaces have a lot of components that could potentially malfunction and cause problems for a policyholder. Adjusters shouldn’t guess about how to handle the claim. Doing so could lead to unnecessary settlements for damages caused by a non-covered peril or for replacements of systems that could have been repaired. (Credit: oasisamuel/Adobe Stock)

The Weather Channel has predicted a shift to colder weather in the northern part of the country this month. That, combined with a milder fall, could have had policyholders turning their heaters on and off the last few weeks, and they may notice it not working as well.

Different heating sources, including furnaces, heat pumps and boilers, maintain insureds’ preferred temperatures in the cooler months. The most frequently used is a furnace, which is a type of forced air system and can be part of a split system. Expensive repair or replacement estimates send policyholders scurrying to file insurance claims; however, adjusters should know traditionally non-covered losses are likely the cause for many furnace damages.

Reasons a furnace may malfunction

furnace uses fairly simple processes. The insured sets the temperature on the thermostat, then a heat source warms the air directly or through a heat exchanger. The most common heat source is natural gas; however, policyholders may use oil-burning furnaces. Other less common heating sources are propane or the use of electric heating elements instead of fuel. The heated air blows through the ductwork to supply registers throughout the property.

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