HVAC Replacement: Equipment Breakdown Coverage
I’m currently seeking insurance coverage for my AC replacement. I’ve discovered that both the condenser and evaporator coil are leaking, and it seems like the compressor is failing as well. Has anyone gone through a similar situation? Any advice or recommendations would be appreciated! The unit is a Goodman brand and is 7 years old, providing coverage for only half of my home. (You can find the policy details in my HVAC post on my profile.)
It sounds frustrating to deal with HVAC issues, especially when it involves costly repairs or replacements. Equipment breakdown coverage typically helps with the repair or replacement of appliances like HVAC systems, but coverage can vary based on your policy specifics.
First, I recommend reviewing your policy details carefully to see if it includes parts like the condenser, evaporator coil, and compressor. Document any issues you’ve experienced, including maintenance records, and take photos of the damage. This information may help support your claim.
It might also be helpful to contact your insurance company directly to discuss your situation. Ask them specific questions about your coverage and what documentation they need to proceed with your claim. If you haven’t had a claim before, sometimes just being persistent and providing thorough information can result in better outcomes.
Additionally, check if there are any exclusions in your policy regarding age or wear and tear, as this could impact your claim. If you find it challenging to get your claim approved, consider reaching out to a public adjuster who can assist you with the process.
Lastly, if anyone else in the community has experience with equipment breakdown claims for HVAC units, their insights could also be beneficial! Good luck!