Is Your A/C Unit Covered?
We sometimes receive inquiries from our customers asking whether they can file an insurance claim for damage to their air conditioning unit. Storm damage and hail damage are common in Austin and can result in significant damage to A/C systems. We’ve compiled this useful A/C insurance FAQ section to offer assistance to customers concerned about HVAC damage caused by Mother Nature.
Q. What types of insurance policies cover A/C damage in Texas?
A. Potentially, several types of insurance policies might offer some assistance when storm damage or hail damage impacts a commercial or residential air conditioning system. However, the specific wording of the individual policy controls this situation. Many insurance firms will attempt to refuse coverage on some types of air conditioning system damage.
For instance, many insurers will not extend coverage to protect against harm caused by flooding, earthquakes or general wear and tear. Yet if a storm causes a tree to topple over and damage the homeowner’s A/C unit, an insured business or homeowever might receive some compensation under a homeowner’s insurance policy or a commercial insurance policy. In order to determine whether any insurance companies will supply coverage for your A/C in Texas, in the event of storm damage, we recommend arranging for a consultation with a licensed insurance agent. Mention your interest in obtaining this specific type of coverage. Pay especially close attention to the specific situations in which the insurance company supplies coverage.
Q. Why don’t insurance companies usually offer coverage for general wear and tear to air conditioning systems?
A. Over time, every machine will eventully wear out, especially without regular maintenance. In the case of a heavily used air conditioner, A/C damage sometimes stems from general wear and tear. Most insurance companies won’t cover this form of foreseeable loss. However, sometimes home warranty companies or insurers will extend coverage for the replacement of specific A/C components in recently installed systems. This issue can involve considerable complexity. For this reason, a licensed insurance agent will generally be a useful resource to help answer these highly specific insurance coverage questions.
Q. Can customers count on Bryant A/C & Electric to provide documentation and assistance if the customer does decide to file an insurance claim?
A. Absolutely. As a matter of providing excellent customer service, we strive to provide accurate documentation to assist our customers when they file insurance claims.
Q. What generally happens when a customer submits an insurance claim on an A/C unit?
A. Typically, a customer who maintains a current insurance policy must follow the instructions for filing a claim contained within the policy. Most insurance companies ask their customers to contact them as soon as possible after an event which inflicts property damage. The insurance company will review the information supplied by an insured customer. The terms of the insurance contract determine whether or not an insured party may obtain compensation. If applicable, an insurance adjuster usually helps determine how much compensation an insured receives for a loss.
Ask Our A/C Experts
If you have any other questions about air conditioning insurance coverage or would like to schedule an appointment, please check out our easy online appointment scheduler.