HVACi 2025 Annual Claims Report

The difference between average claimed amounts and average recommended settlements increased across the board for HVAC and refrigeration equipment claims. Residential, commercial, and multi-system large loss claims all showed greater exposure and a higher potential for unnecessary claims leakage in 2025 compared to the previous year.

The HVACi 2025 Annual Claims Report highlights the risks HVAC and refrigeration equipment pose to settlement accuracy, particularly because of how often policyholders file claims for full replacements when systems are functioning as designed or can be returned to pre-loss condition through repairs.

1 in 5 HVAC and refrigeration systems were working properly at the time of HVACi’s evaluation.

Each section in the HVAC insurance claims report, provides data-backed benchmarks that demonstrate why verifying the cause of loss and scope of damage is critical for making informed claim decisions. They include:

• 2025 Claims Overview
• Residential Claims
• Commercial Claims
• Multi-System Large Losses

66% of HVAC equipment was functioning properly at the time of HVACi’s assessment or was recommended for repair.

Fill out the form to receive your report and review data on misreported causes of loss, potentially unnecessary replacements, and overall claim accuracy, all of which can contribute to indemnity leakage if the claims process doesn’t include an expert assessment.

78% of residential systems with verified hail damage could be returned to pre-loss condition through minor to major repairs instead of full replacements.

This year’s report also includes a section on the results of HVAC system assessments conducted for 2025 California wildfire claims. The data illustrates how often items are included in claims, particularly after CAT events, despite not being affected.

Receive the report to learn how objective, expert validation can improve claims decision-making.

Alpine Intel’s content is meant to inform and educate readers using general terms and descriptions. They do not replace expert evaluations that determine facts and details related to each unique claim.