Your home's air conditioner is a major system. Over time, it works hard to keep your home moisture-free and cool. If it stops working, it could put your property at risk.

It is not common for an air conditioner breakdown to have coverage under your home insurance policy. Yet, if the air conditioner creates a water concern, there may be some applicable coverage.

Here's some insight to get you started.

What Damage Is Happening?

Home insurance provides coverage for accidental or unavoidable losses. Your air conditioner's most common needs relate to standard upkeep and maintenance. And even with constant care, an older unit can eventually break down.

These types of instances have no coverage under your policy. It's your responsibility to pay for repairs.

Imagine what might happen if your air conditioner were to fail in the middle of a hot day. A pipe might burst or the condenser might break down. These scenarios would send water spewing into the home and cause water damage. They might also cause damage to the unit itself.

As with other instances of water damage, your home insurance policy may offer some coverage. There are a few specific limits here, though.

• The damage cannot occur due to any type of destruction you or someone living in your home causes. Outside acts of vandalism might have coverage, though.
• The damage cannot be a result of poor maintenance.
• Some policies only cover the damage the air conditioner causes to other property (rather than to itself). This may include drywall or losses from belongings.
• The policy may cover some type of mold damage. This applies only when you could not know the mold was there and the mold was due to a covered incident.
• The policy may cover some costs related to replacing or repairing the unit. However, this coverage is rare unless you can prove the damage was not due to normal wear and tear.
• Your agent must verify the problem, the cause, and the coverage you have. Policies differ.

If you have water damage due to your air conditioner, contact your Bobby Brown Insurance agent. They will gather information about what happened. From there, the agent will work to determine if your policy offers coverage for the loss.

A situation like this requires seeking out one of our agents. Do not put off getting this assistance for your home. The sooner you file a claim, the faster you get your system back up and running.

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