hvac ac duct insurance claim damage public adjuster technician general contractor sarasota florida

PREMIUM PAYMENT RELIEF

A/C LEAK DAMAGE CLAIM PROCESS

A/C LEAK INSURANCE CLAIM

In Florida, central air conditioners are extremely common. Replacing or repairing A/C units can be costly depending on the extent of the damages. We are here to assist you. It depends on your policy and what has caused the damage to the AC unit. In general, if your AC leak is caused by damage that is covered under your policy such as damage from a fire, vandalism, lightning strikes or a falling tree or another object, there may be coverage under your homeowner policy to repair the damage. However, an AC leak that is caused by normal wear and tear of your HVAC system will not be covered under your homeowner policy. The policy will likely not pay to repair the unit, but it may pay to repair the water damage the leak caused. 

 
 
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A/C LEAK DAMAGE PROCESS

DOCUMENT AND REPAIR A/C LEAK

A professional AC technician can help your claim by diagnosing and documenting the problem. Your insurance company will ask for documentation from a professional because your coverage will depend on what has caused the AC leak. It may help to contact a public adjuster to work with you to help document the damage for your AC leak and help file the claim with your insurance company. Keep in mind that a public adjuster is a claims professional who works on behalf of policyholders to make sure you get a fair claim settlement. They are experts in claims processes and home repair. 

WATER MITIGATION FOR A/C LEAK

 Problems can include locating the source of the leak within the unit and removing the water from the unit and the surrounding area. Homeowners will also have to deal with dehumidifying the area as well as any structural repairs that may be needed. Often, insurance company adjusters underestimate the area that must be restored and repaired when it comes to an AC leak. Homeowners must be diligent in making sure all the damage is repaired.

ADJUSTER INSPECTION

An insurance adjuster works for the insurance company. It will make sense to have someone represent you like our firm to hold the insurance adjuster and the insurance company responsible to their end of the deal. We are here to help in every step of this process.

FULL REPAIR AND REMODEL OF DAMAGES CAUSED BY A/C LEAK

An insurance adjuster works for the insurance company. 

After the adjuster submits a report on your claim, your insurance company may issue a settlement, which is the money they agree to give you to fix or replace your damaged property, for example, the damage caused by the A/C leak.

 
Roof Damage Tips
  • If you have an A/C leak, the best thing to do is take pictures then call an HVAC company to repair the damage.

  • Call a water mitigation company to stop the damages from spreading and possibly turning into mold.

  • Document every thing including any leaks inside the house and what rooms the A.C Leaks are in.

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HOW CAN WE HELP?

The initial contact with your insurance carrier is critical. This contact can be the difference between your claim being paid or getting denied.
Differentiating between belongings and property that can be repaired vs replaced can be overwhelming.
The many requirements and the extent of the damage all come into consideration at this point in your hurricane damage insurance claim. It’s hard to properly calculate what amount will effectively cover all the damages to your home. It may seem like the insurance carrier paid you enough. In reality it could require so much more to repair your home and bring it back to Pre-loss condition. Let us help represent you and help you navigate your hurricane damage insurance claim.

 
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