Insurance companies are such a rip off, They will do anything they can to keep from paying a claim.
One thing I do if cutting something real flammable is pull the front off of my laser and put a fan in front and really get some air blowing through. On my large laser I have a two inch suction hose hooked up to the lens and always use an auxiliary fan blowing across the material. Doing it like that I very seldom use the air assist.
Vytek 4' x 8', 35 watt. Epilog Legend 100 watt, Graphtec plotter. Corel x-4, Autocad 2008, Flexi sign, Adobe Illustrator, Photo Impact X-3 and half a dozen more.