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Home Insurance Policy

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L

LA

Guest
The furnace in my home happens to be a furnace built by Consolidated Industries. These furnaces are defective in that the burner assembly starts to fail after 8-10 years - apparently the weld seams on the hreat exchanger starts to crack and the metal fails. These furnaces have been recalled. I called my home insurance policy company and they agreed that the furnace is too dangerous to use, but they will not cover the cost of replacement because of a clause in their policy which states that they are not responsible for repairs related to inadequacy or lack of capacity, improper installation, previous repair, design, or any modification to the system or appliance. The insurance company maintains that the furnace was not properly designed - therefore they have no liability. Are they correct?

 


I AM ALWAYS LIABLE

Senior Member
My response:

I don't understand your question, because it appears you answered it yourself, when you said:

" . . . in their policy which states that they are not responsible for repairs related to . . . ** design ** ".

IAAL

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L

LA

Guest
<BLOCKQUOTE><font size="1" face=" Arial, Verdana, Helvetica">quote:</font><HR>Originally posted by I AM ALWAYS LIABLE:
My response:

I don't understand your question, because it appears you answered it yourself, when you said:

" . . . in their policy which states that they are not responsible for repairs related to . . . ** design ** ".

IAAL

<HR></BLOCKQUOTE>

If the insurance company is not liable because the furnace they insured is designed incorrectly, then why did they accept my insurance premium? Just seems odd that they can take the premium and not provide insurance? Maybe I am too naive.
 

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