A Texas property damage claim lawyer explains when your landlord's insurance company could pay for Duct Cleaning near Sangaree SC. While homeowners insurance covers HVAC systems in the event of a disaster, such as a fire or storm, it doesn't cover breakdowns caused by normal wear and tear. So, if you're wondering, does home insurance cover Duct Cleaning near Sangaree SC, such as problems with ducts over time? the answer is no. Your homeowners insurance won't cover Duct Cleaning near Sangaree SC, repairing or replacing your ducts. Learn about the differences between home insurance and home warranty in our blog post.
Duct cleaning can cost thousands of dollars, and many homeowners wonder if their property insurance could cover part of the expense. This is because cleaning air ducts is a preventive maintenance task and not a response to sudden damage or loss. Air duct cleaning is a maintenance task that involves removing dust, dirt, and contaminants accumulated in your home's HVAC (heating, ventilation and air conditioning) system. If your home warranty doesn't cover the ducts, your homeowners insurance may cover some or all of your cleaning and replacement services.
Remember that it's always best to check with your insurance provider for the specific details of your home insurance policy coverage and to know if air duct cleaning is included or is eligible to cover it. Although routine air duct cleaning may not be covered, there are certain exceptions and special circumstances where you may be eligible for coverage. Attorney Bill Voss explains insurance options for cleaning and repairing ducts and standard exceptions to coverage. Even if your landlord's insurance company agrees to cover the damages, there may be a limit to how much they're willing to pay for duct cleaning and mold removal.
While cleaning air ducts may not be covered as a routine maintenance task, certain circumstances, such as mold removal, fire or smoke damage, or vermin infestation, they can make you meet the requirements for coverage.
