Your air conditioning system in Gainesville, Florida, is a significant household investment. In addition, your air conditioner, like any other equipment, is prone to breakdown or malfunction from time to time. It’s reasonable to ask in these situations: does home insurance cover AC repair costs?
HVAC system repairs in Gainesville can be very costly. Understanding what your homeowners’ insurance policy covers is essential in determining what is and is not covered during an AC breakdown. Many homeowners, however, are unaware of what they might expect in terms of an HVAC insurance claim.
The post below goes into great detail on the topic.
AC Repair Costs Are Covered by Home Insurance When:
When Weather-Related Factors Damage Your AC
If a covered peril or disaster damages your AC, such as lightning, heavy winds, tornadoes, hurricanes, or hailstorms, then your system may be covered under your homeowner’s policy, depending on your policy limits. In addition, your home insurance may cover your unit if a tree falls on it and damages it.
If Fire Or Water Damages Your Air Conditioner
Your house insurance may also cover your air conditioner in the case of a fire, whether caused by natural causes or electrical problems. If a house fire damaged your HVAC system, your insurance company may pay for the AC repair in Florida. This can cover both appliance repairs and vent cleaning, so be careful to look for any probable fire damage.
Water damage from burst pipes is another major issue that your home insurance policy will most likely cover if your AC is damaged. Burst pipes are typical in Gainesville cold season, and such incidents can severely harm your AC unit. However, if the water damage to your AC was caused by floods, your home insurance may not cover it, and you will need to get a separate flood insurance policy to have the HVAC system repaired or replaced.
If Your Air Conditioner Has Been Vandalized or Stolen
If your Gainesville HVAC system is vandalized or stolen, most home insurance policies will cover it. Insurance may cover any damage to your HVAC system caused by break-ins or other criminal activities. They are considered perilous incidents and would require a police report.
Once you have the police report, you may file a replacement claim with your insurance company.
AC Repair Costs Aren’t Covered by Home Insurance For:
AC Age-Related Breakdown
The average lifespan of an HVAC system is 15 years. If your HVAC system breaks down after 15 years, your homeowner’s insurance will not cover the cost of repairs. Homeowners’ insurance will not cover the normal wearing out of equipment or breakdown as the HVAC ages and parts fail.
Negligence in Air Conditioner Maintenance
Because the damage was most likely avoidable, homeowner’s insurance does not cover repairs caused by negligence. You will be liable for the repair or replacement of the unit in these cases. Get your AC unit serviced by Comfort Temp Heating & Air regularly to avoid damage or future problems. With our HVAC repair service, your home’s HVAC unit is in expert hands. To schedule service, call (352) 376-2366 today.
Exterior Damage to the Air Conditioner
Your home insurance will not cover HVAC repairs if the unit suffers minor or major exterior damage or is the fault of the owner. If, for example, you accidentally hit the exterior of your HVAC system with an object, the homeowner’s policy will not cover your HVAC system’s malfunction.
Comfort Temp Heating & Air – Gainesville’s Air Conditioning Specialists
It’s vital to ensure a reliable homeowner’s insurance policy covers your house. But more importantly, keeping your HVAC system in good working order and aware of the coverage will help you avoid expensive repairs down the road.
With our round-the-clock service, Comfort Temp Heating & Air is the go-to AC service company for heating and cooling maintenance in Gainesville, Florida. Our professional technicians are well-versed in all HVAC cleaning and repair methods and can assist you with any repairs you may require. Visit our website to learn more about HVAC systems and how you can minimize any risk of costly repairs or replacements.
We have all of your air conditioning needs covered, whether you need repairs, preventative maintenance, or simply some expert advice. For trusted air conditioning services in Florida, call
(352) 376-2366 now.