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Does Homeowners Insurance Cover HVAC Units?

An HVAC unit is essential since it gives you comfort during the hot and chilly seasons. When the system breaks down, replacing it is quite expensive. The good news is that homeowners insurance can help you cover the costs. However, there are circumstances where the coverage won't help you. We take you through the situations that the insurance will assist you and when it won't.

When Homeowners Insurance Covers HVAC Units

Under the dwelling coverage, homeowners' insurance meets repairs and replacement costs. If hail damages your central air conditioning unit, the coverage will cater to the expenses. Typically, your insurance provider considers the built-in unit as part of your home's structure or property.

The personal property coverage caters to damages when a tree falls on the HVAC unit. Therefore, you need to understand the policy that you purchased. In other circumstances, the insurance will cover costs from fires and explosions.

What the Insurance Doesn't Cover

Homeowners insurance doesn't meet costs that come with wear and tear. For example, if your HVAC unit breaks down from old age, the insurance won't assist you. Therefore, it will be your responsibility to fix a frozen evaporator coil or a broken fan.

If you want the HVAC system to be in excellent condition, call for routine maintenance at Harwich Port Heating and Cooling. You can schedule tune-ups at least twice a year to minimize wear and tear. This way, you won't have to use money out of your pocket to pay for repairs.

Filing for HVAC Insurance Claim

For starters, you need to know whether your insurer covers the damages, as we have explained above. If the damage cost more than the deductible, you qualify to file for a claim. We can help you evaluate the damages and costs of replacement or repairs to file a claim.

Final Thoughts

Ultimately, homeowners' insurance covers different costs according to the policy. If you aren't sure about what the policy covers, contact your insurance agent for more information about the coverage.

The best way to avoid paying for costly repairs from your pocket is by contacting Harwich Port Heating and Cooling to maintain your HVAC.

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