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Started By
Message
Flood Insurance & Submerged A/C Condenser
Posted on 9/1/16 at 6:22 pm
Posted on 9/1/16 at 6:22 pm
Condenser was submerged during the flood and I was planning to replace it. My HVAC guy says I will also need to change out the air handler because it is an older system that is not compatible with the new coolants. Insurance will only pay for items that were damaged directly by flood water. Anyone else running into this problem?
13
Posted on 9/1/16 at 6:36 pm to RougeDawg
Mine is supposedly giving us the limits of the policy. I guess we can fix whatever we need to fix. ETA my condensing unit was under 3 feet of water. I'm pretty sure that damaged it.
This post was edited on 9/1/16 at 6:38 pm
Posted on 9/1/16 at 7:00 pm to RougeDawg
My flood adjuster came out and said it was a sealed unit and that it wouldn't need replacing... The whole outside unit was submerged.
Sound about right? I told him the A/C was running, but I couldn't get it down below 72; his response was that I needed to get HVAC repairman out to fix it.
If I need to replace it, I want it replaced... Not just a bandaid so that it works for another few months until Im on the hook for the cost of the unit after the flood claims have all been settled.
Sound about right? I told him the A/C was running, but I couldn't get it down below 72; his response was that I needed to get HVAC repairman out to fix it.
If I need to replace it, I want it replaced... Not just a bandaid so that it works for another few months until Im on the hook for the cost of the unit after the flood claims have all been settled.
Posted on 9/1/16 at 7:54 pm to RougeDawg
I have heard if it's not inside it's not covered. Generators a/c units etc...
Posted on 9/1/16 at 7:57 pm to Catman88
Condensing units are covered. My adjuster came out and wrote down serial/model numbers on both condensers.
Posted on 9/1/16 at 7:58 pm to nahtanojc
Ours only had a few inches, but adjuster said they would pay for a service call for anyone. And unless it was completely submerged for multiple days, it typically is not covered for replacement.
Posted on 9/1/16 at 7:58 pm to Catman88
Mine never said any of that. He just said he was going to get me to the limits of the policy and just do what we have to do.
Posted on 9/1/16 at 7:59 pm to highpockets
If the units later crap out they can just issue a supliment to the original claim
Posted on 9/1/16 at 8:29 pm to RougeDawg
quote:
Condenser
Thank you for not calling it "the outside unit."
Posted on 9/1/16 at 8:32 pm to nahtanojc
I would call hvac and find out what is wrong with the unit first
Posted on 9/1/16 at 8:46 pm to RougeDawg
If the unit was working fine before I would just rinse out the unit with fresh water, and let dry for a day, they should be cleaned on a regular basis anyway, and as a preventive measure change the starter capacitor, and contactor, the cost of these parts is minimal.
Posted on 9/1/16 at 8:57 pm to RougeDawg
Your ac unit services your home. This means that flood insurance building coverage extends to the unit. You need to call your agent.
Posted on 9/1/16 at 9:08 pm to EA6B
Yea, It seems to be running fine. I may just pay to replace the cheap stuff and run it till it dies.
Posted on 9/1/16 at 9:56 pm to RougeDawg
Here's the deal fellas. If you condenser is broken get a contractor or AC repair guy out and if it's indeed broken then make sure they write it up as damaged by flood and give you a high replacement cost of the unit that way if you need to replace the upstairs portion, you have extra money to go towards that portion. Done and done.
Posted on 9/1/16 at 10:13 pm to BengalBlood81
In some cases maybe the capacitor might have to be changed. I think it depends on how long the unit was under water, age Etc. I think if you can get it running I'd still have it cked by a Hvac tech and go from there.
Posted on 9/1/16 at 10:17 pm to BengalBlood81
quote:
Here's the deal fellas. If you condenser is broken get a contractor or AC repair guy out and if it's indeed broken then make sure they write it up as damaged by flood and give you a high replacement cost of the unit that way if you need to replace the upstairs portion, you have extra money to go towards that portion. Done and done.
I'm pretty sure that's called "conspiracy to commit fraud." Thanks for the pro tip...
Posted on 9/1/16 at 10:43 pm to Jim Smith
quote:
I'm pretty sure that's called "conspiracy to commit fraud." Thanks for the pro tip...
I don't think you understood what I was saying, which is strange because I even clarified that "if it is indeed broken" then make sure your write up says damaged by flood (assuming this is why it's broken, since that's why the OP is posting this)
I'm not advocating to commit fraud, just making sure people have their ducks in a row. If your unit was damaged by the flood your write up needs to say so.
As for the getting top dollar, I recommend handing in the highest estimate to your insurnace adjuster from a legit liscenced contractor. It's not fraud. The simple fact is that the OP had a complete working AC unit for their home before the flood and it costs money to get it back on.
Posted on 9/1/16 at 10:48 pm to RougeDawg
Flood only pays for flood damaged items. It is not like Homeowners. They don't care. It is a very bare bones policy.
Posted on 10/26/17 at 9:53 am to RougeDawg
RougeDawg,
Did you ever get this worked out with your flood adjustor? I found your post as I am having a similar problem now. My old unit is 13 seer, which they can't use any more in the southeast, and I need all new air handlers. But the adjustor says they will only pay for a replacement of same unit!
Did you ever get this worked out with your flood adjustor? I found your post as I am having a similar problem now. My old unit is 13 seer, which they can't use any more in the southeast, and I need all new air handlers. But the adjustor says they will only pay for a replacement of same unit!
Posted on 10/26/17 at 9:56 am to RougeDawg
i feel like everyone who responded to OP to give him an answer has an iq of 11.
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