HVAC Equipment

Regardless of where the fire is, internal and external HVAC components are at risk for damages from smoke, soot, and ash. A home that’s miles away from the nearest fire can still sustain major soot and ash damage.

Because they aren’t as prevalent as other traditional heating and cooling systems, adjusters should understand how these systems work for when they wind up in claims.

Adjusters shouldn’t assume a hurricane is the cause for all HVAC system damage during that timeframe because there are issues to look for and to be wary of following a storm.

These methods guarantee that we base our recommendations on facts to empower adjusters to make accurate and fair settlements for their policyholders.

Here are four consequences that can occur when adjusters try to handle claims that include complex HVAC systems without assistance from an objective expert.

It’s important to learn the basics about ductless systems to better understand how to handle your next claim related to a ductless HVAC system.

We pulled four examples from claims where policyholders reported one cause of loss and an expert assessment proved it was something else entirely.

Residential HVAC equipment is vulnerable to smoke and fire damage, but full replacement may not be necessary to return the HVAC system to pre-loss condition.

Because of their location, exterior components such as condensing units and the equipment contained therein are vulnerable to smoke and fire damage.

Better understand which HVAC components are most at risk for hurricane damage and why.