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Now is the perfect time to think about your heating system. If you are due for furnace repairs, the last thing you want is to wait until the last minute to call an HVAC company. Furthermore, you need to find out if your homeowner's insurance policy can provide financial relief. At Aire Serv, we understand the importance of insurance coverage when dealing with heating and cooling systems. Our licensed technician can inspect your system and determine if the damage is covered, helping you make the most of your system.
Home insurance policies vary, as some may cover furnace repair under certain circumstances. A good example is when your HVAC system is destroyed by a fire, and the insurance company considers the incident a covered loss. In this case, you may file a claim with your homeowner's insurance policy. This provides financial relief, whether your system needs repairs or an upgrade. Additionally, the policy may cover the cost of repairs or replacements needed following a fire. The insurance company may require you to pay the deductible so that they can pay up to the limit of the policy.
We provide reliable residential and commercial heating & cooling services.
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Read MoreIf your HVAC unit breaks down due to general wear and tear, this is a different scenario. Most insurance companies don’t cover wear and tear under their homeowner's insurance policies, and may not pay for heating repairs or replacement.
If you are addressing the problem early, consider purchasing a warranty for your furnace. Additionally, purchasing equipment breakdown coverage for your HVAC covers your system in the event of damage by a covered cause. Additionally, this type of coverage protects you against appliance break down, especially after a power surge or an electrical breakdown. By acquiring this additional coverage, you can enjoy peace of mind that you are protected year-round.
If you are experiencing furnace issues or are unsure about your insurance coverage, consult a reputable HVAC service provider or your insurance provider. This proactive approach ensures you make informed decisions during emergencies and keep your indoor spaces comfortable without breaking the bank.
A standard homeowner’s insurance policy, especially when it comes to built-in systems, covers damage caused by “covered perils,” which are often sudden and accidental. Still not convinced about acquiring the right coverage for your home? Here are the reasons to reconsider.
As stated, homeowner's insurance policies often cover damage caused by events such as fires, lightning strikes, hail, wind, and falling trees or debris. HVAC emergencies can arise when you least expect them, prompting immediate attention to restore comfort indoors. By ensuring your insurance policy covers these incidents, you can enjoy peace of mind knowing that you won’t pay for repairs and replacements.
If your outdoor HVAC unit is vandalized or stolen, your homeowner's insurance policy can help cover the cost of repairs or replacements. This goes a long way to offer both financial relief and peace of mind, especially if you recently moved in or live in an unsafe neighborhood.
Instead of dealing with the financial burden of heating repairs and replacements, your insurance company will only require you to pay the deductible amount. This saves you hundreds, if not thousands of dollars, on emergency repairs or upgrades. Although insurance policies that cover HVAC issues may be costlier, the long-term benefits and cost savings are undeniable.
Contact Aire Serv to book a consultation with our experts and learn more about homeowner's insurance and HVAC issues. We leverage extensive industry expertise and liaise with insurance providers to ensure quality repairs and replacements without exceeding your budget.