If a heating, ventilation, and air conditioning (HVAC) system is damaged by a covered peril, homeowners insurance may cover the repairs/replacements. Homeowners should always check to see what is defined in their policy documents for further clarification.
HVAC And Home Insurance Overview
Your homeowners insurance policy may cover the HVAC system in two ways, either through the personal property coverage or dwelling coverage on the policy. Personal property coverage can be used to repair or replace a window-set HVAC unit because this will be considered a personal possession.
Dwelling coverage, meanwhile, can be used to help pay for repairs or replacements of built-in units. This will be included in dwelling coverage because it is considered part of your home’s structure.
Homeowners insurance is meant to provide coverage in the event of sudden fires, explosions, or even falling objects that cause damage. If an AC unit simply fails due to old age, your insurance company is not likely to cover the replacement costs.
When Will Homeowners Insurance Cover AC Units?
Hailstorms are commonly involved in outdoor AC unit damage. Thankfully, dwelling coverage can help pay for repairs or replacements when AC units are ultimately damaged by hail. Window AC units will fall under personal property coverage, meaning you may not be covered for this issue.
The majority of standard policies will cover falling objects, such as trees. An AC unit struck and damaged by a falling tree is most likely covered by your insurer. A window unit could be covered if the tree damages both your AC unit and your home’s exterior. Always contact your insurer to clarify all circumstances that qualify for coverage.
When Will Homeowners Insurance NOT Cover AC Units?
In most cases, homeowners insurance will not cover an AC unit when it breaks down simply due to wear and tear. The best way to avoid paying those costly wear-and-tear fees is by keeping your AC unit well maintained throughout the years.
How To File HVAC Insurance Claim
If the damage to your AC unit is more costly than your deductible, you may want to begin the process of filing a claim. An adjuster will then evaluate the damage and estimate the cost of the necessary repairs or replacements.
If the unit needs to be completely replaced, your policy could reimburse you in one of the following ways:
- If your policy covers replacement value, you will be reimbursed for the cost of the replacement at the time of loss.
- If your policy covers actual cash value, though, you will be reimbursed for market value of the unit at the time of loss.
Conclusion
If, at any point, you are unsure about what is covered under your policy, contact your insurer. They can review the policy with you to help determine whether or not HVAC repairs or replacements will be covered.
Tru Comfort Heating & Cooling In The Phoenix Valley
At Tru Comfort Heating & Cooling, we deliver reliable, efficient, and cost-effective solutions to enhance comfort and water quality. Whether you need HVAC installation, repair, maintenance, or water treatment solutions, our team is here to assist you every step of the way.
Contact us today for exceptional service from an insured and bonded HVAC company. Experience reliable and efficient solutions that exceed your expectations.
