The next time you see your ac repair Orlando technician, ask them this question: “Will my homeowners insurance cover HVAC damage?” That’s right, it might! The good news is that a lot of home insurers will provide coverage for the cost of repairing or replacing your unit. However, there are a few things to be aware of before you go ahead and claim with your insurer.
In this blog post, we’ll teach you about the different types of coverage available from an insurer when it comes to HVAC repairs and replacements. If you’re looking into getting a new system installed in your home soon then check out these tips too!
So, will my homeowners insurance cover HVAC damage?
In short: it depends. If you have your system covered under a home warranty and the manufacturer provides coverage for repairs in the event of a breakdown then that should take care of any costs related to fixing or replacing your unit. But if not, here are some things to take into account before you make a claim with your insurer.
Home warranty coverage:
Many people are covered by home warranties that cover the cost of repairs for their HVAC systems in the event of breakdowns or malfunctions. If this is true for you then any costs related to fixing or replacing your unit will be taken care of by the warranty.
The manufacturer of your unit may also provide a limited warranty in the event that there is damage to your HVAC system due to malfunctions as part of their regular customer service or maintenance program. In this case, you won’t need to file a claim with your insurer and they will take care of any necessary repairs.
Filing a claim with your insurer:
Some people opt to file claims with their insurance company for HVAC damages even if they have other options available because the policy may cover more than one area in terms of damage, specifically when it comes to parts and labor costs related to repair or replacement.
In the event that you are filing a claim with your insurer, they will need to see evidence of damage before sending in an inspector. They may ask for photos or other types of documentation so make sure you have these ready and easily accessible if needed.
If there is any suspicion about how the unit was damaged, it would be wise to file a police report first as this could affect whether or not coverage is provided on behalf of your insurance company.
This can help protect yourself from fraud allegations should someone try to get their hands on money meant for repairs by reporting something like theft when no such thing occurred.
Ultimately, the decision rests with you but keep all options open and weigh out what’s best in terms of financial security and peace of mind.
Don’t hesitate to get in touch with the team at DCAC Air and Heat if you have any further questions about what your insurance might or might not cover for repairs on a damaged HVAC system.