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  • Writer's pictureMegan Connor

Top 10 common HVAC problems that can lead to filing a claim

Heating, ventilation, and air conditioning (HVAC) systems are essential components of any home. They keep us cool during the hot summer months and warm during the chilly winter season. However, these systems are prone to various issues that can lead to filing a claim. In this article, we'll discuss the top 10 most common HVAC problems that can result in a claim.


As we approach a busy claim season due to severe weather events, homeowners and claims adjusters should know these common HVAC issues and their causes.



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#1 Lack of Maintenance


The most common HVAC problem that can lead to filing a claim is a lack of maintenance. Regular maintenance is crucial to keep your HVAC system functioning correctly. Without proper maintenance, your system can accumulate dirt, debris, and dust, which can cause it to malfunction. Additionally, a lack of maintenance can result in the system overheating,

causing it to shut down entirely.



#2 Clogged Air Filters


Air filters are essential components of HVAC systems as they help remove dirt, dust, and other debris from the air. However, if air filters become clogged, they can cause the system to work harder to maintain the desired temperature, leading to higher energy bills and potential HVAC failure.



HVAC air filter inspection investigation claim claims adjuster damage cause of loss


#3 Refrigerant Leaks


Refrigerant leaks are another common HVAC issue that can result in a claim. If the refrigerant level is low, the system won't function correctly, and it can even cause damage to the compressor. Additionally, refrigerant leaks can pose a health hazard, as refrigerants contain harmful chemicals.



#4 Dirty Coils


Coils are another critical component of HVAC systems, and they need to be clean for the system to function correctly. If the coils become dirty, they can't transfer heat efficiently, leading to the system working harder and potentially failing.



#5 Faulty Thermostats


Thermostats are responsible for regulating the temperature in your home. If your thermostat is faulty, it can cause the system to turn on and off repeatedly or fail to turn on altogether, leading to a claim.



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#6 Electrical Issues


Electrical problems can cause a variety of issues for HVAC systems, from causing the system to shut down to starting fires. Faulty wiring, circuit breakers, and other electrical components can cause the system to short-circuit, leading to the need for repairs or replacements.



#7 Water Leaks


HVAC systems can generate condensation, which typically drains away from the unit. However, if the drainage system becomes clogged or damaged, water can start to leak from the system, causing damage to floors, walls, and other areas of your home.



#8 Ignition and Pilot Control Issues


For furnaces, ignition, and pilot control issues are common problems that can lead to filing a claim. If the pilot light won't stay lit, the system won't heat your home correctly, and it can even pose a safety hazard.



HVAC air filter inspection investigation claim claims adjuster damage cause of loss


#9 Ductwork Issues


Ductwork is essential for distributing conditioned air throughout your home. However, if the ducts become damaged or clogged, it can cause the system to work harder and even lead to air quality issues.



#10 Wear and Tear


Finally, wear and tear are inevitable for HVAC systems, especially if they're older or haven't received proper maintenance. Over time, parts can become worn or damaged, leading to the need for repairs or replacements.



These are the top 10 most common HVAC problems that can result in filing a claim. It's crucial to have your system maintained regularly to prevent these issues from occurring. Severe weather events, like lightning and thunders storms, hurricanes, and tornados can exacerbate issues stemming from wear and tear or deferred maintenance. Take steps to prevent damage from severe weather this season.




Handling an HVAC claim and need to determine the cause of the damage? Reach out to a Zap Consulting expert, today.

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