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Will My Homeowner’s Insurance Cover HVAC Damage?

If your HVAC system breaks down, it can be a costly repair. And if the damage is extensive, you may wonder if your homeowner’s insurance will cover the cost. The answer to this question depends on the cause of the damage and the terms of your policy.


In this blog post, we’ll look at a few different scenarios to help determine if your homeowner’s insurance will cover HVAC damage.


Scenario 1: HVAC Damage Caused by a Natural Disaster

Suppose your HVAC system is damaged due to a natural disaster, such as a hurricane, tornado, or earthquake. In that case, it will likely be covered by your homeowner’s insurance policy. However, there may be limits on the amount covered, so it’s important to check with your insurer to see what is included in your policy.


Scenario 2: HVAC Damage Caused by a Fire

If your HVAC system sustains damage as a result of a fire, then it will also be covered by your homeowner’s insurance policy. Again, there may be coverage limits, so check your insurance policy.


Scenario 3: HVAC Damage Caused by Neglect or Poor Maintenance

If your HVAC system breaks down due to neglect or poor maintenance, it is unlikely that your homeowner’s insurance policy will cover the cost of repairs. Your policy considers this damage preventable and not caused by an external event beyond your control.


Most policies will only cover HVAC repairs if the damage was caused by one of the perils listed above. For example, if a severe storm knocks a tree onto your house and damages your AC unit, your insurance will likely cover the cost of repairs or replacement. However, if your AC unit breaks down due to normal wear and tear, you’ll probably have to pay for repairs out of pocket.


No one wants to think about their home sustaining damage, but it’s crucial to be prepared just in case. Make sure you keep up with regular maintenance, and don’t wait until something breaks down before you call for repairs!


Air Rescue is here to help! We offer comprehensive HVAC services to keep your system running smoothly. So don’t wait—schedule a service appointment today! We would be happy to help you find the perfect solution for your needs.



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