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Can My Homeowner’s Insurance Cover HVAC Repairs in Maumelle, AR?

Sudden HVAC repairs can impose a significant financial hit at a time when you’re least prepared to take it. Understandably, residents of Maumelle, AR may wonder whether their homeowner’s insurance might cover the cost of these repairs. Here’s what you need to know about the relationship between your homeowner’s insurance and HVAC repairs.

What It Doesn’t Cover

Let’s get the bad news out of the way immediately and explain first the types of HVAC repairs that homeowner’s insurance does not cover. Homeowner’s insurance policies typically do not cover the cost of repairing any HVAC problems that result from normal system aging, owner neglect or prolonged use. They also do not cover the cost of preventive maintenance.

What It Does Cover

When does homeowner’s insurance cover HVAC repairs? The short answer is anytime that damage occurs from some sort of disaster or peril. Such disasters may include things storms, fires, falling trees, blizzards or robberies.

Some Exceptions

The precise details of what any given homeowner’s insurance policy does and does not cover will depend on that legal language, so we recommend reading over your policy carefully before deciding to pursue it. Although the general claims we’ve made above are usually true, there are some exceptions to them that you need to remember.

Any coverage stemming from your homeowner’s policy will apply to a central HVAC system rather than a portable unit like a window-based AC or a space heater. This is because the former counts as a part of your home’s structure, while the latter does not. To cover problems with things like portable AC units and space heaters, you’ll need to get personal property insurance for those items.

There is an important reason for this distinction. You can remove and reinstall the latter at virtually any time, but you cannot do so with the former.

Under the right circumstances, homeowner’s insurance can pay for your HVAC repairs in Maumelle, AR. Call Freyaldenhoven Heating and Cooling, and schedule heating or AC repair services today.

Image provided by iStock

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