Your homeowners insurance won't cover cleaning, repairing, or replacing your ducts. Learn the differences between homeowners insurance and. While homeowners insurance covers HVAC systems in the event of a disaster such as a fire or storm, it won't cover breakdowns caused by normal wear and tear. So, if you're wondering, does homeowners insurance cover air conditioning problems, such as problems with ducts over time? The answer is No.
Learn about the differences between home insurance and home warranty in our blog post. Homeowners insurance generally doesn't cover duct-related problems caused by wear and tear, age, or negligent maintenance. It only covers damage caused by sudden and accidental events, such as a fire, storm, or act of vandalism. If you have an insurance claim for water damage, damage to sewer lines, fire or biological growth, be sure to use a reputable company to find and clean up all possible damage.
Although routine air duct cleaning may not be covered, there are certain exceptions and special circumstances where you may be eligible for coverage. Even if the homeowner's insurance company is committed to covering the damages, there may be a limit to how much they are willing to pay for duct cleaning and mold removal. Attorney Bill Voss explains insurance options for cleaning and repairing ducts and standard exceptions to coverage. 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, may make you eligible for coverage.
Remember that it's always best to check with your insurance provider for the specific details of your homeowners insurance policy coverage and to find out if air duct cleaning is included or if you're eligible for it. If your home warranty doesn't cover the ducts, your homeowners insurance may cover some or all of your cleaning and replacement services. 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 the HVAC (heating, ventilation and air conditioning) system in your home.
Duct cleaning can cost thousands of dollars, and many homeowners wonder if their property insurance could cover part of the expense...
