Does Homeowners Insurance Cover HVAC Units?

A broken HVAC system can have a dramatic effect on your well-being, particularly in the extreme months of winter and summer. But an HVAC unit can be hard to replace too. Fortunately, if you're having issues with your heating and cooling system, there may be some opportunities to resolve the issue.

If you're having issues with your HVAC system, you may be able to find recourse through your landlord. But if that leads nowhere, your next best move might be to reach out to your insurance company. While homeowners insurance isn't guaranteed to provide coverage on your HVAC unit, there are several areas where you might be covered.

When Does Insurance Cover Your HVAC Unit

If you want your insurance company to repair or replace an HVAC unit, you'll probably need to make a convincing argument for why a natural accident caused it. Hail damage, fallen trees, and other incidental damage to an external HVAC unit are some of the most likely situations where your insurance company may be able to provide relief.

When Insurance Won't Cover Your HVAC Unit

If you can't trace the damage from your HVAC unit to a natural disaster, it's unlikely that your insurance will cover the damage. General wear and tear or accidents aren't situations usually covered by homeowners insurance, so documenting the situation and getting a second opinion may be necessary. Also, keep in mind that even if it was damaged by flooding, hail, fire, or a fallen tree, an air conditioning window unit will probably not be covered by your insurance policy provider. That's because window units aren't a part of the property. Instead, they're considered a personal possession and thus aren't usually covered by your general homeowners claim.

How to File a Claim For Your HVAC Unit

If your HVAC unit isn't working, your best course of action is to determine whether the cost of filing a claim is worth your time - along with the deductible and the increase it might bring to your premium. Don't file a claim if it's going to cost more than your deductible, but call an adjuster to evaluate the situation if you think there's any chance of compensation. And if your homeowners insurance won't cover damage, you might still have options. Window units may not be considered a part of your home, but that means it might be covered by insurance coverage of your personal property.

Call Us Today

While you can take precautions to reduce the risk of a catastrophe, sometimes bad things just happen. But that's what insurance is for. If you have any questions about a damaged HVAC unit, get in touch with Romano Bros. Heating & Air. We can provide you with a sensible understanding of your situation to speak to your insurance company with confidence.