Are HVAC Systems Covered By Insurance?

Published August 2013 by

An HVAC system is one of the best investments you can make in your home. It helps improve the air quality inside your home, prevents mold and mildew from developing, and lets you feel far more comfortable in your home. With a single system you get heating, cooling and ventilation, and you save yourself from having to worry about moisture retention, which is a major problem for homes in a climate that changes dramatically throughout the year.

Although the advantages an HVAC system offers your home are impressive, it isn’t a decision you should make too hastily. There are some important things you need to determine before you choose a unit and start the installation process. The first step to having an HVAC system installed in your home is deciding which unit is most suitable. This depends on a few different factors, such as the size of the building and the required cooling and heating capacity for the unit. Getting the right unit is essential, as it will give you the power to keep your home hospitable whatever the outside temperature without wasting energy. With the right system, you’ll be comfortable knowing that you’ve made a wise and well-planned investment on your home.

Of course, making this decision would be far easier if you knew whether or not your insurance would cover your new system. Most homeowners don’t know if their insurance covers heating and air conditioning units. In most cases, if your unit gets damaged as the result of a natural disaster or a fire along with other parts of your home, it should be covered by your homeowners insurance. However, other damage to the unit from lack of maintenance or other factors is unlikely to be covered by the insurance policy. The specifics can vary from one policy to another, depending on your specific situation and your insurance provider.

Typically, the newer and more reliable the unit, the easier and cheaper it is to get insurance coverage. Insurance companies want to know you have a new, reliable HVAC unit, as older units might have lost effectiveness over time, don’t use the latest technology, and might have hard-to-find parts if something breaks down. There are many different factors to take into consideration and it can definitely be a challenge to try and figure things out on your own. Fortunately, you don’t have to.

Obviously, professional specialists are the best source of information on HVAC units and the installation process. They’re guaranteed to have the most education and experience with these systems. With Sacramento HVAC specialists, you can make sure you get the information you need before starting on your HVAC installation. With the premier heating and air conditioning specialists in the Sacramento area by your side, you can get help with everything from installation issues to repair concerns, maintenance and so much more.

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