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Started By
Message
Does homeowners insurance cover damage from a leaking A/C?
Posted on 3/16/16 at 10:43 pm
Posted on 3/16/16 at 10:43 pm
Our A/C leaked, soaked some of the ceiling and walls, and got under some of our floor. I've already ripped out all of the wet sheetrock and affected floor. I can only suspect a clogged drain line because our drip pan is filling up. I'll have to deal with that.
But my question is, does homeowners insurance cover the damage resulting from the leak... sheetrock and flooring repair?
But my question is, does homeowners insurance cover the damage resulting from the leak... sheetrock and flooring repair?
This post was edited on 3/16/16 at 10:45 pm
8
Posted on 3/16/16 at 10:45 pm to meeple
Mayhem attacks again.
Posted on 3/16/16 at 10:46 pm to meeple
Get a quote, then compare that to your insurance deductible.
Posted on 3/16/16 at 10:47 pm to meeple
I had the same issue...it was a clogged drain line. I just painted the sheet rock and blammo...just like it never happened.
Posted on 3/16/16 at 10:48 pm to meeple
Yes on one time occurrences. Not on leaking over time.
Posted on 3/16/16 at 10:49 pm to Tiger Ryno
quote:
I had the same issue...it was a clogged drain line. I just painted the sheet rock and blammo...just like it never happened.
I wish I could have done that, but it was a slow drip for 3 days. We didn't catch it until water was coming UP through the floor when we walked across.
Posted on 3/16/16 at 10:49 pm to Tiger Ryno
Black mold.
Posted on 3/16/16 at 10:49 pm to meeple
A cap full of bleach at the end of the winter could have saved you a few pieces of Sheetrock and some paint.
You didn't know to clean that line?
Bet you won't forget that next year. lol
You didn't know to clean that line?
Bet you won't forget that next year. lol
Posted on 3/16/16 at 10:53 pm to BRgetthenet
quote:
A cap full of bleach at the end of the winter could have saved you a few pieces of Sheetrock and some paint.
Since our drain line ties into the sewage line inside the return air duct, and can be accessed where the air filter goes. There is NOTHING but a drip coming down that line when the A/C is rolling. I detached it, took a shop vac and taped it up to the line and pulled a vacuum on it..... nothing. The vac isn't seizing or anything, so I can only assume that it's pulling air. I have no idea what's causing this, because our drip pan is usually dry.
This post was edited on 3/16/16 at 10:54 pm
Posted on 3/16/16 at 10:56 pm to meeple
Your AC may be freezing up. When the accumulated ice melts, it could be going into the drip pan, which may have a crack.
Posted on 3/16/16 at 10:56 pm to meeple
Your pan should have a float switch that would've shut down the AC unit before the leak.
To unclog the drain, compressed air works great if you have a compressor. Drain might unclog it. If not, cut the drain line, and run a straightened out coat hanger both directions. You can buy a pvc compression coupling from Home Depot to reconnect the two pieces of drain line.
To unclog the drain, compressed air works great if you have a compressor. Drain might unclog it. If not, cut the drain line, and run a straightened out coat hanger both directions. You can buy a pvc compression coupling from Home Depot to reconnect the two pieces of drain line.
Posted on 3/16/16 at 10:57 pm to meeple
Will cover the damage, not fixing the AC leak.
As shexter said, you should have a float switch to shite off the AC before the pan overflows.
To shut it off too...
As shexter said, you should have a float switch to shite off the AC before the pan overflows.
To shut it off too...
This post was edited on 3/16/16 at 11:01 pm
Posted on 3/16/16 at 10:59 pm to Shexter
I love my gallo gun. I've cleared out a few drain lines for friends too 
Husband is always impressed when I "fix" the ac. Same when unjam the disposal after not using it for a while. I don't let him watch so he doesn't know how easy it is.
Husband is always impressed when I "fix" the ac. Same when unjam the disposal after not using it for a while. I don't let him watch so he doesn't know how easy it is.
Posted on 3/16/16 at 11:03 pm to Aspercel
quote:
gallo gun
Interesting - I've always run an air line from my compressor to the attic. How much pressure does that CO2 cartridge put out?
Posted on 3/16/16 at 11:04 pm to Aspercel
Just googled, looks pretty nifty.
Posted on 3/16/16 at 11:07 pm to meeple
Thanks for all the suggestions. Definitely going to look into grabbing one of those gallo guns.
Posted on 3/16/16 at 11:11 pm to Shexter
quote:
To unclog the drain, compressed air works great if you have a compressor. Drain might unclog it. If not, cut the drain line, and run a straightened out coat hanger both directions. You can buy a pvc compression coupling from Home Depot to reconnect the two pieces of drain line.
I'll definitely start doing this regularly, I also have a compressor.
Follow up question.... I pay an A/C guy to service our system each spring. Shouldn't this be part of what he does each time?
Posted on 3/16/16 at 11:34 pm to Shexter
Not sure. One of my old maintenance men had one and let me borrow it once. I decided it was something I needed to have. Just one of the cartridges always works for me, but for a neighbor, who never changed her filter, I needed 2 1/2 to push the clog through. Much easier to store than a big tank.
Posted on 3/16/16 at 11:50 pm to More beer please
quote:
Yes on one time occurrences. Not on leaking over time.
This. Dark black mold, rotted wood, etc is defiantly long term. Typically if it has been leaking longer than a week it is not covered. The adjuster can tell the difference.
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