No matter how hard you try to maintain your HVAC system properly, there may be situations out of your control. This is why it is important to know what is covered in your homeowners insurance policy.
The HVAC system in your home is key to maintaining a comfortable home. Like other equipment, it is at risk of damage. No matter how hard you try to maintain your HVAC system, there may be things you can’t control. It is important to know what your homeowners insurance policy covers.
Standard Policy
If you have a standard insurance policy, it should cover your HVAC system. Your policy may cover common disasters and certain types of damage. In most cases, this excludes negligence, deliberate action, or normal wear and tear. Learn what your policy covers on your HVAC unit. It could prevent expensive replacements or repairs.
Fire Damage
Your policy should cover major incidents such as a fire. This coverage should include your home’s HVAC system. It might not cover situations resulting from deliberate or negligent action. For example, if lightning struck your home, your insurance company covers it. If the fire was due to a bad appliance or electrical system, it may be harder to get an insurance company to cover it.
Wind and Storm Damage
If your home experiences strong winds or tornadoes, your Call today to learn how we can help.