Does Your Homeowners Insurance Cover HVAC Repairs?

The HVAC system is an integral part of any home, as it’s tasked with keeping you and your family warm in the winter and cool in the summer. If it breaks down unexpectedly, this can be a real problem, especially during extreme weather. Fortunately, just like the rest of your home’s components, your HVAC unit is covered by your homeowners insurance. In today’s article, the furnace installation pros from Perfect Degree HVAC tell you everything you need to know about HVAC insurance coverage.

When Does Your Insurance Provider Cover HVAC Units?

Just as with any other important home component such as your roof or siding, your insurance provider will provide coverage for HVAC repairs. Damage caused by fires, vandalism and even falling trees is all covered in standard policies. 

When Is Your HVAC Unit Not Covered by a Homeowners Insurance Policy?

To put it simply, your homeowners insurance policy won’t cover malfunctions or damage due to neglect. If you fail to properly maintain your HVAC unit, your insurance provider will view this as negligence on your part and won’t pay for any repairs. This is why HVAC installation and repair experts strongly recommend having your unit inspected at least once a year. 

Some insurance companies will also consider water damage to be a sign of poor maintenance. While most HVAC units aren’t generally susceptible to water damage, it’s still a good idea to occasionally check your unit for any signs of it.  

From heat pump installation to regular HVAC maintenance services and everything in between, you can trust in the experts at Perfect Degree HVAC for all your heating and air conditioning needs. We’re a full-service HVAC contractor that services all makes and models of HVAC equipment. To schedule a free consultation, give us a call at (610) 510-4489. Alternatively, you can fill out our contact form to speak to one of our technicians today.