AC units serve an essential role for many homeowners. Proper maintenance is vital to ensuring the unit continues running properly. However, your AC unit will start to break down at some point. You may be considering filing a claim to assist with the repair costs. Here's a closer look at everything you need to know regarding home insurance for AC.
Most home insurance policies do basic AC repair costs due to wear and tear or general yearly maintenance. The only exception is if your AC unit is damaged due to a covered loss. You're also covered if your AC unit is stolen or vandalized as long as it's listed as personal property.
Severe weather is a common covered loss. Home insurance policies generally cover AC damage caused by lightning and gusty winds. Be advised that there are some potential exclusions, such as flood and earthquake damage, where AC damage isn't covered. You may have to purchase extra coverage to protect your AC unit. Fire and water damage is another covered loss. A potential policy exclusion is any AC damage caused by flooding.
Home warranties provide essential protection when your AC unit slows down because of general wear and tear. However, you must take care of your AC unit. If you take care of your system, you may be allowed through your home warranty and insurance policy. Neglecting your AC unit causes it to break down faster.
You may have reviewed your policy and are ready to start the claims process. Ensure you take several pictures of the AC damage to strengthen your claim. It's also essential to gather all of your receipts. Attach the receipts to your claim to help ensure that you receive the correct reimbursement costs. You may need to speak with an insurance adjuster to receive further clarification. Be sure to file a police report if your AC unit is stolen or vandalized. Your insurance claim may be denied if you don't attach a copy of your police report. You should speak with the insurance company to determine if any extra information is required to process the claim.
It's recommended that you look over your warranty carefully to understand what's covered clearly. Once you have contacted the warranty company, they will schedule a contractor to inspect the unit. The contractor will seek to repair the unit instead of ordering a replacement.
Enjoy the comfort of your home with a well-functioning AC unit. At J&A Insurance, our dedicated team is committed to safeguarding your assets. Let us guide you in selecting the ideal home insurance policy that provides comprehensive coverage. Contact us today, and let us assist you in securing your home and the things that matter most.