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Jim: Sorry to hear about this incident at your mother's home. It would appear that there are two issues involved. The first is the damage to her health, and the second is the damage to the property. Hopefully, your mother's illness is temporary. She should avoid going back into the home before while there are still fumes. Both items are covered by the Liability insurance of the oil company. You should obtain expert evaluation of both the harmful nature of fumes to the person as well as to the property itself. Ten days is very little time for an insurance company to evaluate and act on a loss like that, so be prepared for it to take much more time before it's resolved.