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Old 01-27-2011, 02:53 PM   #1
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Radiant heat is cable heat? Insurance denied the claim.


I have ESWA radiant system installed on the roof for heating. It is something like the coils in the roof. In one room it does not work. The home warranty sent a contractor in and he said a specialist who has a special detector to scan the roof to find the broken spot can fix it. The next day, the insurance company called and told me the heating system is cable heating, not radiant heat. The policy does not cover cable heat. I am confused about this. Does the insurance company try to find excuse not to cover it? Any expert could offer some info? Thanks so much!

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Old 01-27-2011, 04:29 PM   #2
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Radiant heat is cable heat? Insurance denied the claim.


it is radiant heat but it is derived from a cable.


Does that help?

If they specifically exclude coverage of cable heating systems, I see no way around it.

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Old 01-27-2011, 04:36 PM   #3
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Radiant heat is cable heat? Insurance denied the claim.


welcome to the world of dealing with home warranty companies!
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Old 01-27-2011, 04:41 PM   #4
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Radiant heat is cable heat? Insurance denied the claim.


Fine print of you contract, which you did not know about, and they did not tell you until you needed to know. Been there, done this. Last week I get a call: "Help, my kitchen floor, hallway, and one bedroom have wet floors this morning, all was well last night". I go out, do the evaluation, this is a slab house, six years old, and determine that they do have a leak located within a wall of a bedroom which is the back of the tub/shower unit. The wall was wet about a foot high, with the "tell-tale, upside-down, bell-shaped" wet spot. I just take my hand and punch a hole in the wall, look in with the flashlight and see a brass threaded coupling with a tiny spray. I tear out only what I need to for stopping the leak. NO pipe tape or thread dope on this fitting and it was not tight enough IMO. The hole I left was 36" x 36". Two days later the home owner calls to tell me that insurance adjuster came by and WILL NOT allow a claim. Why? Because someone went in, tore out part of the wall, and "messed with" the plumbing. So--the adjuster has no idea of what was leaking, where it was leaking, nothing. Give me a break, Puh-leeze! One ace in the hole here: I always take pictures with my cell phone, always. I have photos of the wet wall, the initial hole, the larger precisely cut square hole, the actual water spraying from the fitting, the fitting after being taken apart showing no sealing material on brass threads, and the finished repair. I've asked for the fine print excluding photos of the event being used.
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Old 01-27-2011, 11:12 PM   #5
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Radiant heat is cable heat? Insurance denied the claim.


Quote:
Originally Posted by nap View Post
it is radiant heat but it is derived from a cable.


Does that help?

If they specifically exclude coverage of cable heating systems, I see no way around it.
Thanks so much. It is electric heating though. here is the details of coverage of heating:
Covered: Primary gas, oil, or electric heating system, built-in wall or floor heater, heat pump, thermostat, ductwork, heat pump refrigerant lines. If necessary, as part of a covered
replacement, we will upgrade a heat pump systemto federallymandated H.S.P.F. standards.
When replacing the condenser of an air conditioning or heat pump split system,wewill replace any covered component aswell asmodify the plenum, indoor electrical, air handling transition,and duct connections, as necessary, to maintain compatibility and operating efficiency as
required by the manufacturer of the replacement unit, including the installation of metering
devices.
Not Covered: TIMERS/CLOCKS THAT DO NOT AFFECT THE HEATING/COOLING OPERATION OF
THE UNIT; VENTS; FLUES; FUEL STORAGE TANKS; FREESTANDING/WINDOWUNITS; CABLE HEAT; ZONE
CONTROLLER; SECONDARY DRAIN PAN; INSULATION; DAMPERS; DIAGNOSTIC TESTING OF, OR
LOCATING LEAKS TO DUCTWORK,

can I go around it by saying it is electric heating? appreciate your help!

Last edited by jing; 01-27-2011 at 11:17 PM.
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Old 01-27-2011, 11:17 PM   #6
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Radiant heat is cable heat? Insurance denied the claim.


yep, there it is:

Quote:
Not Covered: TIMERS/CLOCKS THAT DO NOT AFFECT THE HEATING/COOLING OPERATION OF
THE UNIT; VENTS; FLUES; FUEL STORAGE TANKS; FREESTANDING/WINDOWUNITS; CABLE HEAT; ZONE
CONTROLLER; SECONDARY DRAIN PAN; INSULATION; DAMPERS; DIAGNOSTIC TESTING OF, OR
LOCATING LEAKS TO DUCTWORK,
yes, it is radiant; It is electric; but it is also cable heat so, regardless of whether it would qualify under anything else, the fact is it is radiant, electric, cable heat,and as such is disqualified.

at least that's how I read it.
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Old 01-28-2011, 04:33 AM   #7
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Radiant heat is cable heat? Insurance denied the claim.


Home warranty companies always look for a reason not to pay. They don't make money by paying out claims.

As said earlier. Your heat is excluded from being covered.
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Old 01-28-2011, 01:29 PM   #8
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Radiant heat is cable heat? Insurance denied the claim.


You stated that the cable is ON the roof. Is this a snow/ice melting system?
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Old 01-28-2011, 02:19 PM   #9
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Radiant heat is cable heat? Insurance denied the claim.


the cable is for heating up the roof. It is radiant heat, do you happen to know what kind of contractor I should call to fix it? What is other inexpensive alternate heating choice I have? Thanks!
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Old 01-28-2011, 02:56 PM   #10
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Radiant heat is cable heat? Insurance denied the claim.


Quote:
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the cable is for heating up the roof. It is radiant heat, do you happen to know what kind of contractor I should call to fix it? What is other inexpensive alternate heating choice I have? Thanks!
Is this cable on top of the shingles or under it?
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Old 01-28-2011, 03:07 PM   #11
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Radiant heat is cable heat? Insurance denied the claim.


See link below. Scroll down to the data sheet. Is this what you have ? If the insurance claim is big enough, you may wish to try having a lawyer phone the insurance company to explain that your heating is laminated foil, not cables. But you will need proof that what you have is in fact laminated foil and not cables.

http://www.enersave.co.nz/eswa_ceiling.php
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Old 01-28-2011, 04:36 PM   #12
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Radiant heat is cable heat? Insurance denied the claim.


It is probably that. I called ESWA and was told it is plastic sheet with foil element in it. I have not found out how expensive to fix that yet.
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Old 01-28-2011, 04:44 PM   #13
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Radiant heat is cable heat? Insurance denied the claim.


Quote:
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It is probably that. I called ESWA and was told it is plastic sheet with foil element in it. I have not found out how expensive to fix that yet.
then that isn't cable heat. When I looked yesterday, all I saw from that company was a cable based heating system. If it is the panels, I think you should be covered.

of course, if they pay to fix it, they will wish it was cable heat. I suspect this system is considerably more to repair.

My apologies. I can't even seem to find the link I was on yesterday.

I think you need to investigate what you have more.

How old is the home? I saw something about a 10 year warranty on that foil system. Didn't read any specifics though.
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Old 01-28-2011, 05:44 PM   #14
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Radiant heat is cable heat? Insurance denied the claim.


The home was built in 1985. I an very glad to know it is possible the insurance will eventually pay for the repair.

Last edited by jing; 01-28-2011 at 05:54 PM.
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Old 01-28-2011, 05:47 PM   #15
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Radiant heat is cable heat? Insurance denied the claim.


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The home was built in 1985. I an very glad to know it is possible the insurance will eventually pay for the repair.
I would at least argue it with them. Possibly download the information on that foil system (after ensuring that is what you have) and appealing their denial.

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