When Lightning Stikes | Insurance Company Replacement of Damaged HVAC
The rain filled thunder and lightning storm season is almost upon us in the Charlotte area. Along with the bad weather comes the inevitable homeowner insurance claims for lightning strikes on air conditioners and damaged home HVAC systems. In fact, lightning is so bad in our area that North Carolina is ranked #5 overall, for damages or death due to a lightning strike!
In this Charlotte HVAC article, we want to take a quick look at a few tips for speeding up the process of getting your home hvac system replaced after it’s been damaged by a weather event like lightning. This article is applicable to people whose air conditioner hit by lightning or their heat pump or package unit was hit by lightning.
How to File a Claim
According to StateFarm insurance, you should review your policy at least once a year and if you do need to file a claim, it should include:
- Brand name of the Damaged Equipment
- Model Numbers if Available (Your HVAC Contractor should have these on record if you don’t)
- Age and Price You paid for the Equipment
- Any other Pertinent information Related to the HVAC Equipment
You can expect to wait a day or longer for an adjuster to get out and inspect the damages to your HVAC system. When they do, they may try to give you a check right there on the spot, to repair or replace the unit. We recommend you never take the check from them during the initial visit, since the insurance company position is to save themselves as much as possible! After all, if they give you a check for $1500 and the replacement cost $3000, what good is that to you?
Get Multiple Repair and Replacement Estimates!
The most important thing to get done after lightning ruins your home hvac system, is to make sure you get multiple cost estimates for the repair or replacement. The insurance company may only pay to have the unit brought back into working order if its less than 8 years old, so knowing what different companies may charge to compare it with the insurance company claim is important.
A new company in the Charlotte market, the HVAC Investigators, can also help to bridge the gap between yourself, the insurance company and your Charlotte HVAC repair company. According to their website, HVAC Investigators sends a trained and qualified technician to your home to thoroughly assess the damages to your system. They will then prepare a complete report for the insurance company and let them know whether the system can be repaired, or must be replaced.
This type of service is mutually beneficial to both yourself and the insurance company since claims can be resolved very quickly, and you can get your system repaired or replaced in the quickest manner.
Have you ever had to file an insurance claim on HVAC equipment in the Charlotte area, or used the services of HVAC Investigators, please let us know how the process worked for you in the comments section below.