HVAC Repairs: Will Your Homeowners Insurance Cover Them?

Your HVAC system is an important investment, so any damage it sustains should be promptly dealt with. The costs of the necessary repair work can be daunting, however, especially when the damage is extensive. Will your homeowners insurance actually cover your HVAC repairs? Applied Air Mechanical, a trusted HVAC contractor in the area, explains more here.

Will Your Homeowners Insurance Cover Them?

This will depend on the ‘covered perils’ listed in the policy and the type of heating or cooling system you have. Most HVAC systems are considered to be part of your home or personal property, allowing you to file a claim for damage. As we’ve mentioned, the repairs are only covered when the HVAC unit has sustained damage that falls under qualifying situations. These may include:

1. Falling trees and vandalism: During a storm, it’s not uncommon for trees or large branches to fall onto and damage your HVAC system. Your homeowners insurance typically covers the resulting HVAC repair in these cases. The same goes for damage caused by vandalism, but in addition to insurance claims, you’ll want to file a police report as well in this situation.
2. Fire and lightning damage: Should a fire cause serious damage to your HVAC system, your homeowners insurance will cover either its repair or replacement. Lightning strikes, which can fry the electrical components of your heating and cooling system, are likewise covered by homeowners insurance.

When Homeowners Insurance Doesn’t Cover HVAC Repairs

Insurance providers view HVAC maintenance as the homeowners responsibility. That’s why they won’t cover any malfunctions caused by poor maintenance, accidents or general wear and tear. If your heating and cooling system is already 10 years old (or older) and has started to fail, its repair won’t be covered by the policy. The same goes for moisture damage that’s resulted in performance issues from the unit.

In addition to refrigeration repair, Applied Air Mechanical can also handle your HVAC repair and maintenance needs. We’ll help you get the most out of your system’s life and performance with our quality HVAC solutions. We proudly serve Fort Worth, TX, and the surrounding areas. Call us today at (817) 888-7311 or fill out our contact form to schedule your consultation.