Before Making An AC Insurance Claim
You should know that it is in your best interest when filing an AC insurance claim to always have an experienced contractor like Velocity Air Conditioning contracted and on site when your insurance adjuster comes to your home or business. Insurance companies are businesses that are designed to make a profit, and your adjuster is not a social worker. Your home is your most valuable investment and you should always have someone who can help to protect your interest.
Don’t be Taken Advantage of
If you don’t know what to look for or understand your heating and cooling system, you could be losing thousands of dollars in needed repairs or replacement. The AC insurance claim estimate and scope of needed repairs should reflect your property being brought back to pre-damage condition, period. Your adjuster may be friendly, but he or she is not your friend. Remember: settling a large insurance claim is a business negotiation. The more you understand the process, the better you’ll do. Insurance companies naturally try to limit their payouts.
Knowledge And Experience AC Professionals
When dealing with a storm related claim, it is in your best interest to work with a contractor that has the knowledge and experience, not only to identify the damage, but one that can also bring your system back to the condition it was in before damage. We do it all; from meeting the adjuster, to completion of all needed repairs or replacements. We have years of experience in working directly with insurance carriers and their adjusters.
Velocity Air Conditioning will complete a full Property Damage Analysis before the adjuster arrives at your property. We will inspect your entire HVAC System top to bottom. Velocity will complete all of the details. Model number, serial number, a specific diagnostic on how the system was impacted by the weather. When you report the claim always tell the truth, but don’t get detailed. If the system was working before the storm, and was not working after the storm – say that. Don’t get into your ideas about why, or how, or if your system may have had previous issues.
When the adjuster arrives at your home or business we will assist them in any way we can, including measuring. We will walk the adjuster through the entire system showing them the damage that we have found. This process will hold your adjuster accountable to do their job thoroughly and accurately. This in turn will help you get all the damage to your property covered in one claim and it helps you receive all of the money you are entitled to.
File Your AC Repair or Replacement Claim
As a summary, you need to be vigilant from the beginning of the AC insurance claim process. Insurance providers are increasingly vigilant about claims and they will verify the weather in the area at the time you claimed your system was impacted, they will verify the quality of the HVAC contractor you select, and they will dig into the diagnostic with a fine toothed comb. But, if you’re honest, and the weather did do the damage you claim, you should find that your homeowner’s insurance coverage will provide for a new system.
If you need to file your AC insurance claim you can do it online by clicking on the link below for your insurance company. We will work with ALL insurance companies, not just the companies that are listed here. For more information, please contact us today.
