Anyone that has expertise in this area, insurance or heating, please feel free to voice your opinion. My question revolves around dealing with the insurance company. The adjuster cancelled on me this past Wednesday for another week, because of the storm on Wednesday, all of my insulation under the house needs to be replaced, so we have photos etc. I have a $2000 deductible, so I will be opening my wallet, but my house is in good shape, so I'm not really complaining. I've been a homeowner for over 25 years and I have never had a claim.
My concern is my one year old heater, which is working right now. I don't know how long it was sitting in water, the water did make the pilot go out. My hot water tank is right next to it and that seems to be working too. The insurance agent said I need to get the heater inspected, but when I called the guy that installed the heater, he said I don't need to see it, your warranty is now voided. Which puts me in a predicament...if I have a problem within a year with corrosion or near future etc. its at my cost. I'm just getting the feeling I'm going to have a hard time protecting myself from any heater problem in the near future that arises because of it taking on salt water.
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