EQUIPMENT BREAKDOWN COVERAGE – HVAC Replacement Help Needed
I’m looking for advice on getting my insurance to cover the replacement of my air conditioner. Unfortunately, the condenser and evaporator coil are leaking, and the compressor seems to be failing as well. Has anyone gone through this process before? Any tips would be appreciated! My unit is a Goodman brand, 7 years old, and it only serves half of my house. (You can find my policy details in my HVAC post on my profile.) Thank you!
It sounds like you’re dealing with a frustrating situation. Equipment breakdown coverage can be a helpful policy for issues like this, but it often depends on the specifics of your policy and the cause of the breakdown. Here are a few recommendations based on what you mentioned:
Review Your Policy: Make sure to closely examine your equipment breakdown coverage policy. Check for any exclusions or specific terms related to HVAC equipment. Look for clauses about pre-existing conditions or maintenance requirements.
Document Everything: Take photos of the leaking parts and document any communications with your insurance company. Also, keep records of any maintenance performed on the system, as this can support your claim.
Get a Professional Assessment: Have a licensed HVAC technician evaluate the system and provide a detailed report on the issues. This could help your case, especially if they can identify a covered cause of the breakdown.
Contact Your Insurer: File a claim with your insurance company as per their procedures. Be clear about the situation and provide them with all the documentation you’ve gathered.
Follow Up: Stay in touch with your insurer during the claims process. If you’re having trouble getting a response, don’t hesitate to escalate the matter or ask to speak with a supervisor.
Seek Recommendations: If others in your area have had success with similar claims, ask for their experiences and any tips they might have.
Consider a Second Opinion: If your claim is denied, you might want to consult with a public adjuster who can help ensure you receive the coverage you deserve.
I hope you find a resolution soon and that you’re able to get the necessary repairs covered!