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Does Homeowners Insurance Cover HVAC Units?

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Homeownership has its ups and downs. Sometimes you have to dig deep into your pocket to repair or replace a damaged appliance. Before paying to fix a damaged HVAC system, check your homeowners’ insurance policy. Homeowner’s insurance can compensate a homeowner if the HVAC system has fire damage. If the system stops functioning due to accidents or the typical wear and tear, you bear the costs.

When Does Homeowner’s Insurance Cover the HVAC Unit?

The standard homeowner’s insurance coverage protects property and its contents from many disasters. In most cases, they cover these units if there is fire damage, strong winds, or theft. If lightning damages your HVAC system, your insurance could cover the damages.

When Are HVAC Units Not Covered by Homeowner’s Insurance?

Homeowner’s insurance doesn’t cover preventable HVAC damages. This includes damages due to poor maintenance or the normal tear and wear. Also, if you cause physical damage to your HVAC system, you are not entitled to compensation. To have your HVAC unit maintained, contact Cahill Heating, Cooling, Electric, Plumbing & Sewer for maintenance.  Anything that is not well detailed in your insurance policy means you have to pay to repair or replace. Also, damages from floods and earthquakes are often excluded in the insurance policy.

How to File A Claim Form?

Before filing a claim form, you need to collect essential information about your unit. Some information to note is your units’ model, date of manufacture, and serial number. Your insurer will let you know whether your policy covers the damages on your unit. If your policy covers the damages, the insurance company will send an adjuster to see the damages. From there, they will estimate the cost of repairing or replacing the HVAC unit. Go with the adjuster to the unit to make sure they don’t overlook anything during the assessment. When was the last time you maintained your HVAC unit? If you don’t remember, contact our HVAC specialists! If you have more questions about your homeowners insurance, contact your insurer.

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