Why You Should Have Oil Spill Clean-Up Coverage

November 12, 2019||inPersonal Insurance|escaped liquid fuel endorsement, homeowners insurance, oil remediation insurance coverage, personal insurance

If your home relies on a heating oil tank, it’s wise to explore obtaining an “Escaped Liquid Fuel Endorsement,” also known as Oil Remediation coverage, to safeguard against potential hazards. Standard home insurance often needs more protection for fuel contamination, leaving personal property, groundwater, and neighboring properties vulnerable without this specialized endorsement.

What is Oil Spill Clean-Up Coverage? Why You Should Have It
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Let’s delve into the importance of oil remediation coverage and why it’s essential for homeowners with oil heating systems.

Oil Heating Safety Measure Laws Implemented in 2008

In 2008, Massachusetts implemented legislation mandating the installation of safety measures for oil heating systems and requiring insurance companies to offer coverage for oil leaks. Since then, homeowners with oil heat have likely taken steps to comply with the regulations by servicing and upgrading their heating systems. However, many have overlooked purchasing optional oil remediation coverage, leaving them vulnerable to hefty expenses in case of a spill.

Why You Need an Escaped Liquid Fuel Endorsement

Consider this scenario: A homeowner experiences a gasket failure in their heating system, resulting in oil leakage into their finished basement. Although the leak is discovered before it reaches the ground, the oil seeps into the flooring, walls, and concrete, necessitating costly repairs exceeding $30,000. With an Escaped Liquid Fuel Endorsement, these expenses would be covered under standard homeowner policies.

The risk of an oil spill persists regardless of system age or upgrades. Cleanup and liability costs can be substantial, underscoring the importance of obtaining oil remediation coverage. This coverage typically ranges from $50 to $100, depending on selected options, with coverage limits starting at a minimum of $50,000 for personal property and $100,000+ for third-party liability.

What You Can Do

If you rely on oil heat for your home but have yet to explore oil remediation coverage, now is the time to take action. Protect yourself from potential financial hardships. Contact Us at Murphy Insurance professionals to discuss available coverage options. Don’t wait until it’s too late—secure your peace of mind today.

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