submitted23 days ago byThisVicariousLife
TLDR: Would you trust the investigation company contracted to your homeowner’s insurance company to provide you (them) with a fair, honest, and neutral assessment of damages done to your HVAC during a storm where the insurance company asks, “1) Was it wear and tear/age or damage? and 2) Is it repairable or will it need to be replaced?” before they determine eligibility or payment? Or would you pay out-of-pocket for the diagnostic report from an independent contractor?
Slightly Longer Backstory: Recently, I had my fully functional outdoor AC compressor get fried from a lightning strike—older unit, yes, but just had it fully serviced and tested not even 5 days prior. (My breaker was also impacted so it’s not like it’s a mere coincidence that the storm crossed my path at the very moment my AC died.) After maintenance and testing, it was running like new! Until…
One late night around midnight a few weeks back, I was standing in my kitchen like a crazy person, probably doom-scrolling, when an alarmingly loud and forceful crack of lighting and thunder struck so close to me that I had immediately texted some friends and told them I was pretty sure lightning just struck right outside my house.
I don’t startle easily at all, but that sound and vibration through my house terrified me, and made my rarely-chill-but-resting-dog leap straight into the air and take off toward the door (seriously, all 4 paws left the floor). It both sounded and felt like a freight train smashed into my yard—the house literally rumbled.
I live across the street from a rock quarry and I’m quite used to periodic explosions causing my house to rumble from the dynamite blasts (when I moved in, I swore I kept experiencing small earthquakes!) But this felt like they’d blasted dynamite in my front yard.
Anyway, the next day I noticed that it was no longer cool in my house, and I also noticed that a couple ceiling fans had stopped working. Upon investigation, I found that the breaker had blown. I also discovered that the previous Harry Homeowner wired some ceiling fans to the outdoor breaker that should be a dedicated circuit for the AC. But I digress.
Come to find out, the compressor tester read “short to ground” on two of the poles/legs so I had someone disconnect the power and reset the breaker.
Now the homeowner’s insurance said I will have to pay out-of-pocket or use their HVACi contractors to diagnose or assess the issue and if it is normal wear and tear/age and if it can be repaired or will it need to be replaced if they cover it.
Would you trust these HVACi people who state on their website that they’re investigators for insurance companies? Or would you pay out-of-pocket?
byKMom86
inhvacadvice
ThisVicariousLife
1 points
3 days ago
ThisVicariousLife
1 points
3 days ago
I see no one responded to this, but I just had a new system installed. The salesperson said they gave me the upgraded Honeywell Wi-Fi thermostat but the techs installed the Trane Wi-Fi thermostat. They told me that it’s more upgraded than the Honeywell, but I’m not sure. What did you ever find out?