Before you risk the discomfort of sweating out an incredibly hot summer without proper air conditioning or risk living through a blistering winter without having a properly functioning furnace system, you should make sure you understand what your homeowner’s insurance can do for you when it comes to a functioning HVAC system. 

While the exact details of what is covered will vary from each insurance policy to another, there is a standard homeowner’s insurance policy that will give you some coverage when it comes to HVAC units (Heating, Ventilation, and Air Conditioning) if they are damaged (example: if a fire causes damage to your home’s HVAC system.) While a standard policy will cover damages due to things like fires, there is a chance that your policy will not cover you for things such as an air conditioning unit that has stopped working thanks to yearly wear and tear. 

When Will Insurance Cover HVAC?

Some of the most basic and common policies will cover HVAC systems if they are damaged from a few different disasters or perils. Some of these include HVAC damage from high winds, damage from fallen trees, or damage during a theft. Another situation where a homeowners’ policy would probably cover HVAC damage is if your unit suffers damage to the electrical components during a lightning strike. 

When Will I Not Be Covered?

One of the main times when a policy will not cover damage to your HVAC system is if the damage is a result of wear and tear of use over time. If your air conditioning unit stops working after 15-20 years, there is a good chance your policy will not be paying for a replacement air conditioning unit. Thankfully, with yearly tuneups and proper maintenance, your HVAC systems should be able to last a long time!

This post was written by Chad Merk, HVAC expert and owner of Florida Climate Worx! Providing quality HVAC services to the people of Tampa Bay for years now, our technicians pay great attention to detail when it comes to providing you with the best air conditioning repair in St Petersburg FL! Our technicians pull out all the stops when it comes to providing you the best quality in the industry!