Oklahoma Insurance Professionals LLC Blog |
 As the late spring and early summer heat sets in, many Oklahoma homeowners are turning on their central air conditioning units for the first time in months. Oklahoma is known for its hot summers. The average temperature in July is 95 degrees Fahrenheit, and the record high is 118 degrees Fahrenheit. This heat can put a strain on air conditioners, and it is not uncommon for them to leak. If your air conditioner leaks, it is important to address the problem as soon as possible. Leaking air conditioners can cause water damage to your home, and they can also pose a health hazard. If you notice a leak from your AC unit, you should turn it off and call a qualified repair technician. The technician will be able to determine the cause of the leak and make the necessary repairs. If you notice your air conditioner has a leak, you may wonder if your homeowners insurance policy will cover the damage. The answer to this question depends on a few factors, including the specific terms of your homeowners policy and the cause of the leak. What Causes Central Air Conditioner Leaks? There are a number of things that can cause air conditioner leaks and lead to unexpected expenses, including mold damage from slow leaks if not treated in time. Some of the most common causes include:
Here are some tips to help prevent air conditioner leaks and normal wear and tear:
It's a piece of machinery, so of course it will wear out eventually, especially with lack of maintenance. Remember, the cost of repairs may prove well worth it when it comes time to foot the bill for a much larger problem that may not get covered by standard policies. However, by following these tips, you can help to prolong the life of the unit(s) and prevent air conditioner leaks while also keeping your home cool and comfortable all summer long. Does Insurance Cover Water Damage from Air Conditioner? In general, it depends on the type of water damage and the type of type of coverage you have. Standard homeowners insurance policies will cover damage caused by sudden and accidental leaks from air conditioners. However, they will not cover intentional damage or damage caused by leaks that are due to normal wear and tear or that are caused by a pre-existing condition. You don't want to risk filing a homeowners insurance claim which doesn't pay out, so always best to check with your agent (that's why you should call them as soon as possible once damage is identified). Typical Homeowners insurance provides coverage for damage to air-conditioning units caused by specific perils listed in the policy, like fire or falling trees. Depending on the unit, it may be considered part of the home's structure or personal property, allowing for a claim to be filed in accordance with the policy. What Should I Do in the Case of Damage? If your air conditioner leaks and causes accidental damage to your home, you should first contact your insurance company to file a claim. Be sure to have as much documentation as possible, including the name and contact information of the repair company, repair costs, and any photographs of the damage. In some cases, your insurance company may require you to have your air conditioner serviced regularly to prevent leaks. If you do not have your air conditioner serviced and it leaks, your insurance company may deny your claim. It is important to note that not all homeowners insurance policies are created equal. Some policies may have different coverage limits or exclusions than others. Therefore, it is important to read your policy carefully to understand what is and is not covered. If you have any questions about whether or not your homeowners insurance will cover a leaking air conditioner, you should contact your insurance agent. Don't leave coverage for repair to chance. Oklahoma Insurance Professionals Oklahoma Insurance Professionals is a full-service insurance agency located in Oklahoma City. Serving Oklahoma City and the surrounding areas of Newcastle, Tuttle, Blanchard, Choctaw, Bethany, El Reno, Edmond, Moore, Norman, and Yukon, our insurance agents live and work here. We offer a wide variety of insurance products, including homeowners insurance, auto insurance, and life insurance to help maximize financial protection. We can help you find the right homeowners insurance coverage for your needs and budget. We understand that the summer heat can make life a bit unbearable, and we want to make sure that you and your family have protection from the unexpected. If your air conditioner leaks and causes damage to your home, we can help you file a claim and get the repairs you need if it is a covered claim. That means having a policy with our independent insurance agency. That allows us access to a variety of insurance carriers (i.e., insurance providers) and homeowners insurance policy options for you to consider. We can even find additional protection in the form of optional coverage. This additional coverage might prove worth having to cover more of the unexpected that doesn't get covered by a standard homeowners policy. This means finding you the best homeowners insurance plan protection at the best possible insurance rates for the best monthly premium. It also means you don't get the "big agency" treatment where you feel like you are just a number and receive a cookie-cutter insurance plan. Contact Oklahoma Insurance Professionals today to learn more about our homeowners insurance policies and to get a free quote. Here in Oklahoma, we prefer sooner rather than later!
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