The Connection Between HVAC Maintenance and Home Insurance

Intense winter storms and blistering summer heat make a well-functioning HVAC system critical for homes in Arizona. Household insurance does not generally cover HVAC maintenance and repair or damage caused by a poorly maintained HVAC system (such as water damage). It’s best to keep your system in good working order. Regular HVAC maintenance ensures a comfortable indoor environment and protects you from unexpected disruptions, costly repairs, and energy inefficiency. Scheduled maintenance protects your investment and lowers the risk of difficulties.

When Does Household Insurance Cover Your HVAC System?

Generally, a homeowner’s insurance policy (dwelling coverage and personal property coverage) covers damage caused by hail, storms, wind, fire, falling objects, and vandalism. It doesn’t cover HVAC repair and maintenance or damage caused by a poorly maintained HVAC system. 

Tips For Maintaining Your HVAC System

Rather than relying on the possibility of insurance coverage, it’s best to keep your HVAC system in good working order. 

• Catch problems: Annual maintenance allows technicians to identify and fix issues (e.g., clogged filters, worn components, refrigerant leaks, faulty thermostats, broken fans, etc.) before they require major repairs.
• Avoid emergencies: HVAC breakdowns disrupt your home and may involve costly after-hours service calls. Regularly scheduled maintenance minimizes the risk of unexpected malfunctions.
• Clean ducts and filters: Clogged filters and dirty ducts restrict airflow, making your system work harder and consume more energy to maintain the set temperature. Clean ducts and filters extend the life of your system and save you money. 
• Optimize your unit’s performance: Regular maintenance allows qualified technicians to fine-tune your system, ensuring peak efficiency.
• Prevent wear and tear: Regular inspections and cleanings reduce the strain on your HVAC unit, allowing it to function efficiently for longer.
• Protect your investment: Maintaining your unit prolongs its life, saving you money.

• Clean registers/vents: Blocked registers or vents limit heat movement. Ensure drapes/furniture do not obstruct the vents or registers. 
• Clean and seal ducts: Clean the ducts, removing pollen, dust mites, microbes, dirt, and insect droppings. Leaky ducts can cause up to 30% loss of heat. Seal all ducts with mastic sealant/duct tape. 

How McMillin Air Can Help

Are you looking for help improving your HVAC system’s efficiency? Do you need help repairing or maintaining your HVAC unit? Are you looking for a new HVAC system? Contact McMillian Air. We service and install air conditioning, heating, ventilation, air quality, and humidity control systems. We carry American Standard and Mitsubishi products—Trust McMillian Air for quality service and competitive pricing.