A house insurance policy covers disfigures and losses to one’s home.
What many homeowners don’t suppose and wonder is: does house insurance cover air conditioner? Say your a/c is disfigured, needs service, or is seasoned and needs to be upgraded. Is it covered? The first thing you need to suppose is that house insurance does not cover an seasoned or in need of service AC. A house warranty might cover that. In certain scenarios, house insurance may cover an AC. Fire, water, theft, vandalism, and weather-related damage are all possible causes that can be covered. You may be covered by your house insurance if your A/C is disfigured by poor weather such as lightning, hail, or winds. Your house insurance may also cover your device if a tree fell on it and disfigured it. Your house insurance may also cover your A/C if it is disfigured by fire or if a pipe bursts that requires you to repair or upgrade it. Flood damage to your A/C may not be covered by your house insurance. A/C units are rarely stolen, but your house insurance may cover damage caused by vandalism to your unit. You may need to file a police report before filing an insurance claim if your device is stolen or vandalized. Now that you’ve learnt how homeowners insurance covers Heating, Ventilation & A/C, how do you file the claims? Before you file any claims, it’s vital that you first study and understand the content of your homeowners insurance policy. When filing a claim, take a clear picture of the disfigured AC, note down the A/C model and serial number, talk to your insurance adjustor, keep receipts for any repairs done, and provide receipts to your insurance provider for reimbursement.