Does Homeowners Insurance Cover HVAC Repair Work?
Mark J. Biel • October 1, 2020
Your HVAC system works to keep your home thermally comfortable all year ’round, but it’s not without its issues. For example, it may sustain damage over time, resulting in problems with performance and energy efficiency. While you want to deal with these issues quickly, the expenses might give you pause. You should first confirm whether your homeowners insurance will cover the repair work. The leading new air conditioning installation company in the area, R.A. Biel Plumbing & Heating, Inc. discusses when homeowners insurance actually covers HVAC repairs in this blog post.
Coverage Only in Qualifying Conditions
The ‘covered peril’ listed in the policy, plus the type of heating or cooling system you own, usually affects HVAC repair coverage. Given how most systems are considered an extension of your home or personal property, you should be able to file a claim for damage. However, you’ll only get coverage in qualifying situations, including:
- Falling trees and vandalism. Trees or large branches can fall onto and damage your HVAC system during a major weather event. Should this occur, your homeowners insurance will typically cover the necessary repair work, or perhaps even a new heating system installation. The same goes for any damage caused by vandalism. The only difference is that you’ll likely to have to file a police report, as well.
- Fire and lightning damage. Fire can deal serious damage to your HVAC system, and it’s highly possible your homeowners insurance will cover its repair or replacement. You also won’t have to worry if your heating or cooling system breaks down due to lightning strikes–the necessary solution will be taken care of by your insurance coverage.
No Coverage for Normal Wear and Tear
Insurance companies see HVAC maintenance as the homeowner’s responsibility. That’s why any malfunctions caused by poor maintenance, moisture damage, accidents and general wear and tear won’t be covered. In fact, homeowners insurance may also refuse coverage of HVAC units that are 10 years old or older.
In addition to plumbing repair s, R.A. Biel Plumbing & Heating, Inc. can also take care of all your HVAC needs. You can expect a worry-free experience when you work with us for your heating and cooling project. Our service areas include the cities in and around Farmington, NM. Call us today at (505) 278-5112 or fill out this contact form to schedule your consultation.
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