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  • Craig Harrell

How to Get Your Home Insurance to Pay For Your Air Conditioner

Updated: Apr 16

With the scorching heat and high humidity levels we experience nearly every day in Florida, our air conditioners work overtime to keep us cool and comfortable. But what happens when your reliable A/C unit suddenly breaks down or needs a replacement? It's a huge investment, and not everyone is financially prepared for this sort of unexpected cost.


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The big question is, can your homeowner's insurance cover your air conditioning unit? Unfortunately, the answer isn't a simple 'yes' or 'no.' There are certain conditions under which your insurance company might pay for the replacement or repair. Understanding these conditions, as well as some tips and tricks to increase your chances, could help you ease the financial burden.


1. Understand Your Insurance Policy


You need to read your insurance policy thoroughly. Standard homeowner's insurance covers your home and personal property against unexpected and sudden damage. However, they usually exclude routine maintenance, wear and tear, or damage due to negligence. If your air conditioner fails due to a lack of maintenance, the odds are that it won't be covered. However, if the damage to your A/C unit is caused by a peril that is covered under your policy - such as lightning, fire, or vandalism - there's a good chance you could receive a payout.


2. Regular Maintenance and Documentation


Regular maintenance is crucial for the longevity of your A/C unit. Not only does it ensure efficient functioning, but it also plays a vital role in your insurance claims. If you maintain your unit regularly and have records to prove this, you'll have a stronger case. Your insurer will find it hard to argue that the damage was due to negligence or lack of maintenance.


3. Prompt Reporting


When damage occurs, report it promptly to your insurance company. Delay can lead to further damage and give insurers an opportunity to deny your claim. Document the state of your unit immediately after the incident with photos and detailed notes.


4. Consult a Professional


When filing a claim, bring in a licensed HVAC professional to assess the damage. Their expert evaluation can support your claim that the damage was sudden and unexpected, rather than due to wear and tear. Moreover, their quotation for repairs or replacement can serve as an essential piece of evidence for the amount you claim.


5. Explore Additional Coverage Options


If you find that your current policy does not cover your A/C unit, don’t fret. You may want to consider adding an equipment breakdown endorsement to your policy. This add-on coverage often includes appliances and systems such as your air conditioner.


6. Consider a Home Warranty


Another option is to consider a home warranty. These plans, separate from your homeowner's insurance, provide coverage for the repair or replacement of major home systems and appliances, including air conditioning units. Do your research and weigh the annual cost against potential repair or replacement costs.


7. Consult an Insurance Professional


Navigating insurance claims can be complicated. Don't hesitate to consult with an insurance professional or public adjuster to help guide you through the process. At Harrell Adjusting Services, we can help you understand your policy, aid in the documentation process, and advocate for you during the claim.


Keep Cool with Harrell Adjusting Services


Remember, while there is no surefire way to ensure your home insurance company will pay for your new air conditioner, these tips can significantly increase your chances. The goal is to keep your home comfortable and secure, without unnecessary financial stress. Keep your cool, both literally and figuratively, as you navigate the world of homeowner's insurance and A/C units.

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