Does Your Home Warranty Cover HVAC Repair?

Many people put off HVAC repairs because they don't want to spend the money. This is rarely a good financial decision, and it's definitely not a good one if you can get the repair done for free. If you have a home warranty, you need to find out whether it will cover your HVAC repair.

What Happens if You Delay HVAC Repairs?

Delaying HVAC repairs almost always means the problem will get worse. The longer you wait, the more likely it is that you'll end up with a much bigger bill than you would've paid had you fixed the issue right away.

That's because all of the parts in your HVAC system work together. When one part is malfunctioning, your system can still run, but it's putting strain on your other parts. The malfunctioning part can also take more damage the longer you leave it unfixed. That means what should be a small fix now could turn into a major problem later.

Do Home Warranties Cover HVAC Repairs?

When you buy a home warranty, it's important to carefully read the terms and conditions. Home warranties have different plans that cover different things.

Some will cover HVAC repairs. Some won't cover HVAC repairs. Others might only cover certain types of repairs.

If your home warranty covers HVAC repairs, it will often have requirements such as doing annual maintenance. When you call for a repair, you'll need to provide proof you had the maintenance done. 

How Do You Know if a Specific Repair Will Be Covered?

When your home warranty only covers specific repairs, you might be worried your repair won't be covered. If you aren't sure what's causing the problem, you may not be able to figure out if the repair is covered on your own.

In some cases, you might be able to describe the problem to the HVAC company on the phone, and they may be able to determine the cause. However, you may need to have someone come out to do a diagnostic test to find out what's wrong with your HVAC system.

Should You Still Fix Your HVAC System if It's Not Covered?

You should still get the repair done even if it's not covered under your home warranty. Remember, delaying repairs usually makes the problem worse and more expensive.

If you don't want to spend the money on a repair now, you definitely don't want to spend even more money on a bigger HVAC repair later.

For more information, contact an HVAC contractor.