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Freeze Damage
Heat Exchanger Failures
Low Water Cutoff Failures
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It’s never more important to have an operational boiler or furnace than in winter when temperatures can drop well below freezing. However, the additional stress on HVAC equipment can lead to serious losses. Learn more about four of the most common winter heating losses.

Pipes and valves may freeze and burst during cold weather.
This can cause catastrophic water damage.
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Over time, heat exchangers often corrode, leaving cracks throughout the system.
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Stuck valves and clogged LWCOs can cause a boiler to overheat.
This can lead to further failures.

Excess fuel can build up, ignite, and release smoke into the surrounding area, leaving a dark residue.
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Winter heating losses can range from inconvenient to catastrophic. When coverage is afforded, policyholders may think they require full replacement of their HVAC system. However, they may only need repairs to some equipment or a good cleaning to return the HVAC system to pre-loss condition.
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Opens in a new window.A carrier received a claim for a residential boiler and water heater, reportedly damaged by freezing conditions. But before settling for full replacements, the insurer wanted an objective assessment of the cause of loss and scope of damage. HVACi’s observations and testing revealed that the boiler was fully functional, while the water heater failed due to wear and tear.
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