Adjustment Issues – Heating, Ventilation, and Air Conditioning (HVAC)
HVAC is the only equipment outside the building perimeter that is insured. However, it is not always necessary to replace an air conditioner when it gets wet. Keep in mind that air conditioner condensing units sit outside in the exterior elements and are exposed to water and moisture all the time.
Adjuster Tip: If there is a question about the extent of damage, or if the unit is functional at the time of the inspection, the adjuster should advise the policyholder to have a qualified technician inspect the unit and provide a written report.
