Common questions about HVAC coverage include: Does a home warranty cover HVAC? Will my 20-year-old AC unit be covered? Does coverage include AC replacement? How do I get my warranty to cover AC replacement?
Yes, home warranties typically cover HVAC systems, including both older and newer units. Home warranty HVAC coverage typically includes the repair or replacement of heating, ventilation, and air conditioning system components due to normal wear and tear.
Coverage usually encompasses air conditioning units, furnaces, heat pumps, ductwork, and associated electrical components. Standard plans cover mechanical parts and components including thermostats, control boards, motors, compressors, and capacitors. However, policies often exclude pre-existing conditions, improper maintenance, or damage from external factors. Coverage limits may apply to specific components or overall system replacement.
Most warranties require regular maintenance to keep coverage valid. Window units, portable heaters, and solar heating systems are typically excluded. Understanding specific coverage limits, maintenance requirements, and service procedures is essential for maximizing HVAC warranty benefits.
Regarding older units (like 20-year-old systems): Yes, most warranty companies will cover older HVAC systems provided they're in working condition at the contract's start and have been properly maintained. However, coverage often includes limitations on replacement costs for aging systems. Some providers set maximum age limits or reduced coverage terms for older units.
To get warranty approval for AC replacement:
- Contact the warranty company immediately when problems arise
- Allow only authorized technicians to diagnose issues
- Maintain documentation of proper maintenance history
- Document that failure results from normal wear and tear
- Multiple service visits may be required to justify replacement
- Follow all warranty company procedures exactly
- Keep records of all service requests and repairs
Common exclusions include:
- Pre-existing conditions
- Improper maintenance
- Unauthorized modifications
- Window units or portable systems
- Commercial grade equipment
- Code violation corrections
- Cosmetic damage
- Filters and regular maintenance items
HVAC replacement coverage specifically requires:
- Professional documentation of system failure
- Proof that repairs would exceed replacement value
- Compliance with company's replacement procedures
- Acceptance of coverage limits for new unit
- Use of authorized installation contractors
Some companies offer enhanced HVAC coverage options with higher replacement allowances or additional protection features. Coverage caps typically apply to both repairs and replacements, with specific limits outlined in policy terms.
Understanding these limitations, maintenance requirements, and claim procedures helps ensure maximum protection for your HVAC system.
