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If you have an oil spill, are you covered by insurance? You should be!



  Oil tank

If you have an oil spill, are you covered by insurance? You should be!

Have you ever thought about what you would do if you had an oil spill from your furnace and how you would pay for it? Government records show that there are 120 fuel oil spills a year throughout Massachusetts and it can be expensive! Nevertheless, only 48,000 homes out of the approximately 700,000 homes with oil heating systems are covered by an insurance that would offer protection. We learned the statistics from a major NECN article on the subject that caught our attention — just the headline alone is pretty compelling: "Half a million dollars out of my pocket": Most oil spills are not covered by insurance.

Put yourself in this homeowner's shoes with an excerpt from the article:

standard insurance policies. There is a cheap insurance policy, but consumers need to know to ask for it.

Joe Hurley opened the garage door of his East Bridgewater home on August 21 and was slapped in the face by the pungent smell of heating oil. A thick, red liquid covered the floor and soaked items stored in the garage.

A hole in size had given way to the bottom of the nearby tank and released more than 180 liters of fuel oil.

"I immediately evacuated everyone from the house," Hurley said. "I was worried about my family's safety."

The fire brigade, environmental cleaning crews and the Massachusetts Department of Environmental Protection arrived to limit the spill and assess the extent of the damage. [19659004] To save money, Joe Hurley and a relative hammered the concrete in the garage and dug a hole so the crews could test the ground below to see how far the oil had spread.

But with contaminated family goods covered by a plastic sheet in the yard and large containers filled with hazardous material sitting in the driveway, the costs of decontamination increase rapidly.

Read the rest of this story along with other costly nightmares for homeowners in the real world!

Call us at 413.475.7283
Fill in our online quote form today

Typical home heating oil systems and how they can leak.

To learn more about fuel oil systems and why they leak, we turned to the Massachusetts Department of Environmental Protection. They issue a 29-page oil spill cleaning guide that you can download. We hope you will never have to use it, but it goes a long way to explaining why such problems can be extremely costly if you do not have insurance coverage.

We have taken out some information about why and how these leaks occur from the guide.

Usually there are heating systems in a basement. An oil tank can also be placed outside either above ground or buried underground. Wherever the oil tank is located, there is a supply line from the oil tank to feed oil into the furnace. The oil provides fuel to power the furnace.

All components of your heating system require routine maintenance. Almost all parts of the home heating oil system can leak oil. Some common sources of leakage:

  1. Oil tanks

Things like age, corrosion and overpressure can cause tanks to fail during fuel deliveries.

  1. Fuel supply lines

Corrosion, mechanical and physical failure are the most common causes of leaks.

  1. Valves or connections

These components may break due to age or during fuel deliveries.

  1. Overfills / spills

During deliveries, accidents can cause these spills.

  1. Ventilation pipes

Clogs usually due to nests, leaves and other debris from animals or insects can cause oil to back out of the pipes or overpress the tank.

What can you do to protect yourself against the cost of an oil spill?

Maintaining your home heating system is the best way to prevent oil leakage. Check annually for leakage. Look at the tank, fuel supply lines, valves, pipes and fittings. Have your oil company clean the oven and repair or replace damaged parts. Install a safety valve or replace the fuel supply line with one enclosed in a protective sleeve. In each case, inspect the vent pipe to ensure that it is free of obstructions and that an audible signal (whistle) is present on the valve. The oil company's employees listen for the whistle to avoid overfilling. Also keep an eye on the oil delivery volumes, unexpected increases can indicate leakage.

Overall, oil spills can be very costly. Be sure to check with your insurance agent regarding this coverage. Adding oil spill coverage can be quite inexpensive and save you a huge cost along the way. For more information, call us at 413.475.7283 or fill out our quote form online today

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Have you ever thought about what you would do if you had an oil spill from your furnace and how you would pay for it? Government records show that there are 120 oil spills a year in Massachusetts and it can be expensive! Nevertheless, only 48,000 homes out of the approximately 700,000 homes with oil heating systems are covered by an insurance that would offer protection. We learned the statistics from a major NECN article on the subject that caught our attention — just the headline alone is pretty compelling: "Half a million dollars out of my pocket": Most oil spills are not covered by insurance.

Put yourself in this homeowner's shoes with an excerpt from the article:

standard insurance policies. There is a cheap insurance premium, but consumers need to know to ask for it.

Joe Hurley opened the garage door of his East Bridgewater home on August 21 and was slapped in the face by the pungent smell of heating oil. A thick, red liquid covered the floor and soaked items stored in the garage.

A hole in size had given way to the bottom of the nearby tank and released more than 180 liters of fuel oil.

"I immediately evacuated everyone from the house," Hurley said. "I was worried about my family's safety."

The fire brigade, environmental cleaning crews and the Massachusetts Department of Environmental Protection arrived to limit the spill and assess the extent of the damage. [19659004] To save money, Joe Hurley and a relative hammered the concrete in the garage and dug a hole so the crews could test the ground below to see how far the oil had spread.

But with contaminated family goods covered by a plastic sheet in the yard and large containers filled with hazardous material sitting in the driveway, the costs of decontamination increase rapidly.

Read the rest of this story along with other costly nightmares for homeowners in the real world!

Call us at 413.475.7283
Fill in our online quote form today

Typical home heating oil systems and how they can leak.

To learn more about fuel oil systems and why they leak, we turned to the Massachusetts Department of Environmental Protection. They issue a 29-page oil spill cleaning guide that you can download. We hope you will never have to use it, but it goes a long way to explaining why such problems can be extremely costly if you do not have insurance coverage.

We have taken out some information about why and how these leaks occur from the guide.

Usually there are heating systems in a basement. An oil tank can also be placed outside either above ground or buried underground. Wherever the oil tank is located, there is a supply line from the oil tank to feed oil into the furnace. The oil provides fuel to power the furnace.

All components of your heating system require routine maintenance. Almost all parts of the home heating oil system can leak oil. Some common sources of leakage:

  1. Oil tanks

Things like age, corrosion and overpressure can cause tanks to fail during fuel deliveries.

  1. Fuel supply lines

Corrosion, mechanical and physical failure are the most common causes of leaks.

  1. Valves or connections

These components may break due to age or during fuel deliveries.

  1. Overfills / spills

During deliveries, accidents can cause these spills.

  1. Ventilation pipes

Clogs usually due to nests, leaves and other debris from animals or insects can cause oil to back out of the pipes or overpress the tank.

What can you do to protect yourself against the cost of an oil spill?

Maintaining your home heating system is the best way to prevent oil leakage. Check annually for leakage. Look at the tank, fuel supply lines, valves, pipes and fittings. Have your oil company clean the oven and repair or replace damaged parts. Install a safety valve or replace the fuel supply line with one enclosed in a protective sleeve. In each case, inspect the vent pipe to ensure that it is free of obstructions and that an audible signal (whistle) is present on the valve. The oil company's employees listen for the whistle to avoid overfilling. Also keep an eye on the oil delivery volumes, unexpected increases can indicate leakage.

Overall, oil spills can be very costly. Be sure to check with your insurance agent regarding this coverage. Adding oil spill coverage can be quite inexpensive and save you a huge cost along the way. For more information, call us at 413.475.7283 or fill out our quotation form online today

Chat with an Encharter agent about your insurance today:
413.475.7283
Fill in our quotation form online

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