When your air conditioner stops working, your first concern may be covering the cost of the repair. Depending on what happened and what is wrong with it, the insurance company may cover your home’s AC repair. That is not true in all situations, especially when the repairs are related to normal wear and tear on the system.
However, if you are not sure, your technician can offer some insight, and ultimately, your insurance company can provide clarity. So, when does home insurance cover AC repair? At Ambient Edge, we are happy to provide you with a consultation, an estimate for repair needs, and some information on whether or not your home insurance may cover your costs.
Be sure to reach out for a consultation and quote now.
HVAC and Home Insurance Coverage
Your home’s heating and cooling system is a major component of the home’s function. Typically, your home insurance is designed to protect those types of components of your home in situations where a covered peril occurs.
A peril is a specific incident that occurs on your property. For example, if your home caught on fire due to a lightning strike, you could expect your home insurance policy to cover the fire damage as a covered peril. How does this apply to your air conditioner, though?
Home insurance is meant to cover unexpected and unpreventable problems and repairs associated with the system. As a result, it may cover some damage to the air conditioner depending on what caused the problem.
Home insurance policies differ from one company and policy type to the next. The best way to know if the insurance company can meet your specific needs is to reach out to the insurance agent to get more information or read through your policy to get more information.
Times When Home Insurance May Cover Your AC Repair
The following are a few examples of common times when home insurance may cover all or part of your AC repair.
Damage from Hail
If your outdoor condenser unit is damaged by large hail striking it, that could make it hard for the system to work. The coils, which are rather fragile, could become bent, making the system far less efficient. Most of the time, the insurance company will cover the repairs to the system, which may include replacing the AC condenser if the damage is significant enough.
Typically, your home’s dwelling insurance will cover this type of loss. This is what covers the structural components of your home, including your major appliances, like the heating and cooling systems.
Your Home Has Fire or Smoke Damage
When a home catches on fire, not only does that area suffer structural damage, but the smoke can easily move through all of the vents in the home and to your air conditioner. Depending on the extensiveness of the damage, it can be very expensive to repair these costs. You may need to replace not just the AC unit but your home’s ductwork as well.
Fires and smoke damage are typically covered under a property’s dwelling insurance as well. The insurance company is likely to cover the cost of replacing the system or repairing it, depending on which is likely to be more affordable.
A Tree Falls on the Air Conditioner Condenser
If a tree falls onto the condenser and causes structural damage to it, the home insurance company may be responsible for paying for those repairs. Also note that if that tree (or tree branch) is from the neighbor’s home, their home insurance policy may be responsible for the repairs you need.
When Will the Home Insurance Company Not Pay for AC Repair?
It is expected that your home will need some updates and repairs over time. Home insurance does not cover any of those needs. For example, it does not cover any instance of maintenance related to your HVAC system.
One of the most common areas of concern here relates specifically to wear and tear. Most of the time, the insurance company will not pay for repairs that are caused by normal wear and tear. The system is likely to wear down over time and needs repairs throughout its lifetime. If that is the reason you need repairs, the insurance company is not likely to pay for those losses.
Also note that if you do not provide routine maintenance for your home’s heating and cooling system, and a failure occurs that could be covered, the insurance company may refuse to pay for those costs because you did not maintain your system. That could be an expensive mistake to make.
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How to Find Out if Your Home Insurance Will Cover Your AC Repair
Take the time to contact Ambient Edge now. Allow our technicians to come to your home to provide you with insight into what is happening with your home’s AC system. We will provide a full inspection and diagnose what could be going wrong.
Our technicians can also provide insight, then, into why this is happening. For many people, this means a better understanding of why the failure occurred. Our team can also work with you to provide you with a better understanding of the coverage you may have based on our experience.
If your situation may be covered by your policy, we can help to provide a written estimate to provide to your insurance company. You can then use this information to help file a claim with your insurer for any covered repairs.
Let Ambient Edge Provide You with a Quote for Repairs Today
Keeping your home’s air conditioner working its best is one of the most important types of maintenance we can offer to you. As a trusted team of professionals, our technicians will be open and honest with you about all of the options available to you for upgrading or repairing your system. All it takes is giving us a call to learn more about whether your home insurance policy may cover the AC repair needs you have.