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Insurance and claims

General documentation tips. Cover depends on your policy wording — storm damage to outdoor units is more often claimable than ordinary wear.

U.S. Air Force Senior Airman Brayden Whitney, 633d Civil Engineer Squadron heating, ventilation, and air conditioning technician, opens a panel on a field-deployable environmental
Photo: U.S. Air Force photo by Airman 1st Class Skylar Ellis, Wikimedia Commons, Public domain

Document

  • Photos of outdoor units after storms, hail or fallen debris if safe.
  • Note model/serial if visible and when the failure started.
  • Keep communication with your insurer or landlord.

Claim

Notify your insurer as your policy requires. they do not replace your claim or give legal advice.

Not legal or insurance advice.