Other Common Claims

Yes. Oil heater puff back is typically covered under your homeowner's insurance policy as it is considered a sudden and accidental event. Puff back occurs when an oil burner backfires, sending soot and smoke throughout your home. The resulting damage to walls, ceilings, furniture, clothing, and HVAC systems can be extensive. ACI will document all damage and negotiate for full coverage.

Yes, if the damage to your walls and ceilings requires repainting as part of the restoration process. Insurance policies generally cover the cost of restoring your property to its pre-loss condition, which includes repainting areas affected by soot, smoke, water stains, or other covered damage. ACI ensures that all necessary cosmetic repairs are included in your claim.

Personal property damaged by a covered event — such as soot from a puff back, water from a burst pipe, or theft — is typically covered under your policy's personal property coverage (Coverage C). ACI will help you create a detailed inventory of all damaged items and ensure you receive fair compensation based on your policy's replacement cost or actual cash value provisions.

Getting started is easy. Call ACI Adjustment Group at 1-800-809-4302 for a free inspection and policy review. Our licensed public adjusters will assess the damage, explain your coverage, and handle every aspect of your claim — from documentation and filing to negotiation and settlement. There is no upfront cost to you.