Before you Google “ductless air conditioner installers near me”, it’s probably a good idea to learn more about the unit you want and also whether your homeowners insurance will cover it in the event it’s damaged.
Any standard homeowners insurance policy includes coverage for HVAC systems, but the situations in which you can expect reimbursement are outlined in detail. Damage or loss due to certain events will make your insurer liable to send you a check, but there are exceptions. That’s why it’s best to review your insurance policy before you start filing a claim.
When Should I Expect Coverage?
Most homeowners insurance policies provide broad coverage for your home and its contents from a specific list of perils and disasters. This list might be shorter or longer depending on where you live. If your HVAC unit is damaged or lost in a fire, hit by a falling tree, destroyed by high winds, struck by lightning or stolen by thieves, it’s likely that your insurer will cover the cost of repairing or replacing it. Again, it’s important to read the documentation to find out which disasters and events are covered by your policy.
When Should I Not Expect Coverage?
As with many other items in your home, if the problem is due to ordinary wear and tear, your insurer won’t pay for your broken HVAC system. The same is true if you didn’t maintain your system up to a reasonable extent. If your HVAC system is too old, you’ll have to shoulder the cost of replacing it.
If you tried to repair your own HVAC unit but only managed to damage it, this isn’t not covered by your insurance. For example, if you tried replacing the Carrier evaporator coil on your own unit when you could have called a professional to do it, your insurer won’t reimburse you. Even if you did eventually call a pro, the damage was already done.
In many areas, damage due to a flood or an earthquake isn’t covered. Cosmetic damage that doesn’t affect performance (dents due to a hailstorm in a hail-prone area) might not be considered, either.