Our furnace heater coil is only 5 yrs old. We have little hot water pressure throughout the house. We have been told the coil element in our tankless system is blocked and we need a replacement coil. It is going to cost at least $650. An option is buying a separate water heater for $1600. We are told this would be more efficient during the summer months because the furnace will not have to kick in and our oil bill would decrease. Also we would be able to have 2 showers going and the dishwasher,etc. We are on a well and we do have certain minerals evident. We have installed filters on the incoming water well system. This seems to have made a big difference over the past 1 1/2 yrs. I feel that the coil was damaged early on. Are we being scammed? What would you do? It seems the new water tank would be efficient in the long run. Thanks.