Oil burner stopped working with in days of purchase

[Walter Correia]

I had recently purchased a home and with in less than a week my oil burner stop working on me. I walked into the house and the house was filled with heavy oil smoke. Now my insurance company (USAA) is telling me that they can't cover it because no one know the cause of loss. I had to sent the actual machine to be inspected by a 3rd party before my insurance company can make a decision. The true question is, how can I get them to cover this type of loss?