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If you carry the equipment breakdown endorsement on your homeowners insurance policy and you experience a covered claim of your HVAC, normally the policy will cover to replace the unit, unlessit can be repaired. If the unit can be repaired, per the report by a licensed technician, that is how it will get settled. Let’s talk insurance📱 Send a note, get a quote Become a client of the Melissa Bankard Farmers Insurance Agency• 972-761-9333•auto 🚘/ home 🏠/ retirement solutions💰/ life 👨‍👩‍👧 /bu

Grrr, if at all possible, do not submit a claim for theft (think homeowners) if the items stolen are low value. If the loss is barely going over the deductible, you lose…again in many ways. You could lose a claim free discount, you could be ineligible if you try to switch carriers, you could see a surcharge. Bottom line, assess the value, see what limits of liability there are for the items stolen, like jewelry and firearms, BEFORE submitting a claim. Don’t get me wrong, if we’re talking a huge