Does Homeowners Insurance Cover HVAC Repairs?

A homeowners insurance policy generally provides coverage for HVAC systems if they’re damaged by a covered peril — a fire, for example. But if the equipment starts malfunctioning due to normal wear and tear or a lack of maintenance, chances are the insurance company won’t pay for needed repairs. A residential and commercial HVAC expert discusses more below.

When Does Homeowners Insurance Cover HVAC Repairs?

Homeowners insurance covers HVAC repairs when the damage is caused by a covered peril or disaster, including hail, fire, high winds, fallen trees and theft. For instance, if lightning strikes your condenser unit and damages its electrical components, your homeowners insurance will likely cover it. However, policy protection is dependent on the type of unit that’s been affected by the peril. Dwelling insurance covers HVAC systems located inside the house, while personal property insurance covers standalone air conditioner units.

When Does Homeowners Insurance Not Cover HVAC Repairs?

Cooling and heating systems that break down due to old age or general wear and tear will not be covered by your homeowners insurance. This means it will be up to you to locate the source of the problem, such as a frozen evaporator coil or broken fan, and schedule a repair. Similarly, if you fail to change the air filter according to the manufacturer’s recommendations, any damage incurred will not be covered under your policy because it’s considered owner neglect. This is why it’s incredibly crucial that you perform tune-ups and safety checks on your HVAC system at least once a year. Other common exclusions include damage from catastrophic events, such as earthquakes or floods.

If you need emergency heating or air conditioning repairs in or around Colbert, GA, choose Acker Heating & Cooling. Give us a call at (706) 715-2607 or fill out our online form to schedule a service appointment with one of our certified technicians.

Bryan Acker