Today, standard homeowners insurance policies cover most damage done to heating, ventilation, and air conditioning (HVAC) systems. If the unit(s) stop working due to normal wear and tear, old age, or homeowner neglect, homeowners insurance will not provide coverage. It’s always wise to make sure you have the coverage you need for your HVAC systems.
When Will Homeowners Insurance Cover HVAC?
Homeowners insurance will cover HVAC systems when damaged as the result of a covered disaster or peril. This typically includes fallen trees, fire, hailstorms, high winds, and theft. Homeowners insurance will likely cover your unit if it is struck by lightning and damage occurs.
The portion of your policy that provides HVAC protection ultimately depends on the type of unit that is damaged. For instance, HVAC systems installed within the home are covered under dwelling insurance. Meanwhile, standalone or window AC units count as personal belongings, which are covered under personal property insurance.
When Will Homeowners Insurance Not Cover HVAC?
If an HVAC unit is damaged simply by wear and tear, neglect, or old age, the standard homeowners insurance policy will not cover it. This means if your 15-year-old heating or AC systems begin to sputter, you will likely not be able to file a claim to cover needed repairs.
Similarly, if you neglect your AC unit or drop something heavy on it, this would not be covered under a homeowners insurance policy. Staying up on regular home maintenance needs is crucial.
Home Warranties And Equipment Breakdown Coverage Details
Thankfully, to get more coverage on appliances and other pieces of home equipment, homeowners have a few more options. Some insurance companies will offer home maintenance services for a discounted rate upon signing up.
Most home warranty programs come with a flat fee for HVAC repairs no matter the cause. Other insurance riders like equipment breakdown coverage can help pay to fix AC units or furnaces. These options, however, can come with fees of their own. That’s why it’s important to make sure you know exactly what’s covered when signing up for coverage.
How To File An HVAC Claim
Homeowners must first start by gathering information like the unit’s model and serial number, while also taking pictures of the damage. If the damage was the result of a break-in, try to obtain a copy of the police report.
When filing an HVAC claim, you will have to give your provider proof and information you have about said damage. In most cases, the insurance provider will send over an adjuster to accurately survey the damage. They will then assess the cost of any necessary repairs/replacements.
Always make sure to meet with the adjuster for this part of the process. Next, the insurance provider should reimburse you for the costs of repairs after you send through receipts of the labor.
Tru Comfort Heating & Cooling In The Phoenix Valley
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Contact us today for exceptional service from an insured and bonded HVAC company. Experience reliable and efficient solutions that exceed your expectations.
