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In which cases does insurance cover a boiler explosion? 02/04/2021

The boiler is one of the essential elements, especially in winter. This, after the passage of Filomena, has been one of the hardest in the history of our country, with a negative temperature record. More than ever we have had to use the heating. And the device that is responsible for sustaining that system is the boiler, which has given so many headaches to many homes on more than one occasion.

The problem is not only in the problems that a simple break brings. The fear, more than ever, is that it may explode. Especially after a gas leak recently occurred in Toledo Street (Madrid) that ended with several deaths and a building practically in ruins. For this reason, and following the advice of Roams, we show you what to do in these cases and how they can be avoided.

The truth is that this type of situation can occur, so to be prevented it is best to carry out an appropriate gas boiler maintenance that we have in our house. And in this task, the gas review becomes especially important. And it charges, because they will charge us money for doing it, but we will gain peace of mind knowing that everything is in order.

And if not we can always take out insurance. Bet for multi-risk insurance It is, as its name indicates, synonymous with guarantee, because in the event of any risk that may arise, the insurer will assume it. Includes coverage for both container and content, third party liability or even legal defense. However, plain home insurance will not always include the repair or replacement of the boiler. Yes, it will do it for these reasons:

  • Water leaks
  • Fire
  • Explosion
  • Weather damage

WHAT HAPPENS IF A BOILER EXPLODES

With cases like Madrid, it occurs to us what to do when a boiler explodes in your house or building. The first and, without any doubt, protect ourselves and leave home as soon as possible.

But from here on, investigations by the competent authorities begin to record material damage and, above all, find out what state the boilers were in, whether or not they were properly registered.

Considering that the number of boilers in Spain is about 700,000 as of 2017 (according to Fegeca, Manufacturers of Generators and Heat Emissions) and the number of explosions that can occur throughout the year are always more than we would like, it is mandatory to carry out a review of the boiler of each property every two years and every five of the gas installation.

We can always avoid an explosion in the boiler taking into account some tips as:

  • That is kept in good condition with proper cleaning
  • That there is adequate ventilation in those areas where the gas installation is located
  • That this type of review is carried out in a timely manner

“It is not necessary, but mandatory, to carry out this type of review to prevent major misfortunes from happening, because if they end up happening we will be left with an internal uncertainty about what to do next,” they conclude from Roams.

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