Is a furnace that was under water safe to run?
A furnace that was under water should not be run until a technician has inspected it. Water can damage the burner, the controls, the wiring and the gas valve, and those parts can fail or become unsafe.
The burner and the controls are made to operate dry. Water can leave a film of silt or corrosion on them, short out the wiring or lock the gas valve, and a unit that starts with those problems can fail or leak gas. The technician checks each of these before the unit is returned to service.
The owner should not try to start the unit to test it. A test by a homeowner can damage a part that the technician could have saved, and it can create a hazard in a room that is still wet.
What happens to a water heater after it floods?
A water heater that has been under water needs its gas or electrical controls and its flue checked, and its tank and fittings checked for leaks. The unit stays off until a technician has confirmed it is safe.
A gas water heater has a burner and a flue that must work correctly. Water in the burner area can cause corrosion, and the flue must be checked for blockage and damage. An electric heater has elements and controls that need to be dried and checked for shorts.
The tank is inspected for leaks at its valves and connections. A leak that appears after flooding may come from a fitting that was loosened by water pressure or silt, and the technician will know which parts to check.
How are the furnace and water heater area dried?
The floor and the wall behind the unit are dried, since moisture there can feed corrosion and mold. The crew reads the floor and the lower wall, and it dries the cavity behind the unit before the space is closed up.
The area around the unit is pumped and cleaned. Silt and debris are removed, and the floor is dried with air movers and a dehumidifier. The readings are taken on the wall behind the unit, since that is where moisture tends to stay.
The crew does not dry the unit itself. Its interior is for the technician to inspect and, where needed, clean, and the crew's job is to dry the space around it and keep the moisture from returning.
- Standing water and silt removed from around the unit
- Floor and lower wall read with a meter
- Air movers and a dehumidifier placed away from gas connections
- Readings logged until the area is dry
What should the technician be told about the flood?
Tell the technician the depth of the water, the time it was found, whether the water was clean or sewage, and whether the unit was submerged. That information changes what the technician checks and whether the unit can be safely used.
The technician needs to know whether the unit was under water or only wet at its base, since submersion affects the parts differently. Sewage in the area changes the handling of the unit and its surfaces, and that should be said at the start.
Show the technician the water line on the cabinet and the photographs, and keep the readings. A technician who has that information can make a clear decision about the unit, and the note goes into the record for the insurer.
Does an insurer cover a furnace or water heater after a flood?
Coverage for a furnace or water heater after a flood depends on the policy and on the cause of the water. Standard policies often exclude flood water, and the terms of the policy decide whether the equipment is covered.
Ask the insurer how it treats the equipment in a flood, and whether the cause of the water changes the answer. A sudden internal leak and a flood from outside can be treated differently, and the policy wording is the reference.
Keep the technician's report, the photographs and the readings. The New York State Department of Financial Services is the state regulator for insurers, and a dispute about how a claim is handled can be raised with it.