Normal HVAC system wear and tear, maintenance, and mechanical breakdowns typically become your financial burden to pay for when you need service. However, you should know about the HVAC issues that your homeowner’s insurance will cover.
Fire Damage
Your homeowner’s insurance policy might cover some or all the repair costs if a fire damages your HVAC system. This coverage can apply to a fire inside your home or on a nearby property.
Smoke Damage
Likewise, you could make a claim against your policy for smoke damage to your heating and cooling unit. As with a fire, the insurance policy could pay for the repairs regardless of whether the smoke came from inside your home or from a nearby building or piece of property.
Lightning Strikes
Lightning strikes typically fall under the proverbial umbrella of circumstances that one of these insurance policies covers. If lighting strikes your outdoor unit, you could file a claim with your insurer to have most or all the unit’s repairs paid for.
Wind Damage
Many home insurers will pay for wind damage to HVAC units. Before they pay for any repairs, the insurer will send a claims adjuster to assess the damage first. Your adjuster will then tell you how much of the damage the insurer will cover.
Hail Damage
Hailstorms can inflict significant damage to your outdoor heating and cooling unit. It can leave deep dents and knock the fan blades loose. It can also damage the outdoor wiring. Your policy could cover the costs of repairing these damages.
Fallen Tree Damage
If a tree or tree branch falls on your HVAC unit, it can justify you making an insurance claim. Many insurers will pay for repairs related to debris like a tree or branch falling on outside heating and cooling systems.
Vandalism
You can also file a claim if someone vandalizes your unit. Thieves could steal the copper wiring out of your HVAC system. Likewise, someone could take a ball bat to it and ruin the outside unit’s vent or fan. Your insurer should cover vandalism.
Theft
Likewise, thieves looking for scrap metal to sell could steal your window or outdoor unit. If someone steals your current unit, an insurer will typically pay for the cost of a new one. However, you might have to file a police report in Commerce City, CO, before making an insurance claim.
Power Surges
A power surge can ruin your HVAC system. It may no longer turn on, or only certain parts of it might work normally. Many homeowner’s insurers pay for HVAC damage related to power surges.
Home Water Damage
If a pipe in your home bursts and damages your heating and cooling system, it can validate your making a claim against your policy. Water damage to HVAC systems remains one of the more common incidences that homeowners’ insurance policies will pay for.
Explosions
If an explosion damages your unit, it likewise can provide you with a valid reason for filing an insurance claim. In this circumstance, the insurer may not require the explosion to have occurred inside your home. The policy may cover the damage even if the explosion occurred in a nearby structure or property.
Vehicle Wreck Damage
If a driver crashes into your home and damages your HVAC system, your insurer could cover its repair expenses. However, before it covers the repair costs, your insurer might first require you to file a claim against the vehicle insurance policy of the driver who wrecked into your home.
Aircraft Damage
Your insurer will also pay for repairs stemming from aircraft damage. If a piece of an aircraft falls and lands on your unit, it could create damage your insurer will pay for. As with a vehicle wreck, however, your insurer could require you to pursue compensation first from the aircraft’s insurer. Anything that the aircraft insurer does not cover could then become the liability of your homeowner’s insurer.
Water Damage From Accidental Events
Finally, water from accidental events, such as a broken water main or a fire hydrant, can damage your heating and cooling unit. Your insurer may agree to pay for damages related to this situation.
Learn How We Can Help With HVAC Issues
At Smith & Willis Heating & Air Conditioning, we have two decades of experience helping customers in the Commerce City, CO, area with damaged HVAC units. Our team repairs heating and cooling systems and provides indoor air quality services. We are available 24/7 for emergency repairs. Call today to learn more about our HVAC products and services, including indoor air quality solutions.
