Does Homeowner’s Insurance Cover HVAC Replacement

does homeowners insurance cover hvac replacement

Does Homeowner’s Insurance Cover HVAC Replacement

Posted by
Ed Miller on Thu, Apr 14, 2016

Do you have an old HVAC unit that is not running as efficiently as you’d like? Perhaps your current HVAC unit is broken and you are unsure if it could be repaired, or if the costs of repairing or replacing the unit would be covered by a typical homeowners insurance policy?

Well, it all depends on the source of the damage to your HVAC unit. There are times when having a typical homeowner’s insurance policy can help to cover the cost to repair an HVAC unit, particularly when Mother Nature is to blame. If the unit in question was destroyed by one of the named perils in your policy, it will likely be covered. However, if the problem stems from normal wear-and-tear, your policy probably will not cover repair or replacement costs.

Cases when your broken HVAC unit will be covered

Living in Northeast Florida, it can be difficult to live without heat in the winter or, worse, without A/C in the summer. It’s a good thing, then, that if the damage to your HVAC unit was caused by a natural disaster, fire, or some other catastrophe, repairing or replacing your HVAC unit is usually covered by your typical homeowners insurance policy, which hopefully you have. Other unforeseen circumstances are also likely to be covered—like frozen or burst pipes and falling objects.

Cases when your broken HVAC unit will not be covered

However, there are many cases when your policy simply does not cover repair costs. For example, basic homeowner’s insurance will not cover damage due to an earthquake. Furthermore, basic maintenance will not be covered. If your HVAC unit simply stopped working for a known reason, then you are most likely going to have to pay for repairs out of pocket—although, depending on the damages, it may be more cost-effective to buy a whole new HVAC unit. You can still try to submit a claim, but it is more than likely that you will get denied.

Major Appliance Insurance

There are other ways to cover the cost of repairing a broken HVAC unit. When it comes to air conditioning repair, you can purchase additional major appliance insurance. This is a special kind of insurance that will cover your major appliances, including your HVAC unit, when they break down and need to be repaired. Contact your insurance company about purchasing this additional coverage.

Snyder Heating and Air Conditioning can help with your busted HVAC unit!

Keep in mind that, typically, the newer and more efficient your HVAC unit is, the cheaper your coverage will likely be, plus the length of your warranty should be longer. The older and less efficient the unit, the harder and more costly it is to repair, plus it may take longer for a professional to find and fix your problem. A modern HVAC unit will not only cut down on your repair costs, but will also save you money due to it’s performance, and the fact that it will use less energy that an older unit.

If you are having issues with your HVAC unit, the team of professionals at Snyder Heating and Air Conditioning in Jacksonville, Florida have the knowledge and professional experience, as well as dedication to excellent customer service, to ensure that your HVAC unit repair job is done to your complete satisfaction. Let Snyder help you get your HVAC unit up & running before it really starts to get hot here on the First Coast!

Repair or Replace Quiz

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