Air Conditioning Water Damage

Air conditioning water damage claims

Air conditioning water damage claims need clear records of the leak and resulting damage. Century helps Florida property owners document air-conditioning leaks and organize an insurance claim. An HVAC technician can assess the condensate drain, drain pan or other reported source; Century reviews the resulting property damage documentation.

What to document

• When the damage was first noticed and the steps taken.
• An HVAC technician’s written findings about the source.
• Photographs of affected ceilings, walls, flooring and nearby belongings.
• Mitigation records, repair estimates and insurer correspondence.

Understand the coverage questions

Repairing an appliance or plumbing component and repairing resulting building damage may involve different coverage. The cause, duration, policy exclusions, limits and deductible all matter. An inspection does not guarantee that the claim is covered.

Review the repair scope

Keep records for each affected area, including ceilings, walls, flooring and nearby belongings. If the insurer has already issued an estimate or denial, bring that document to the review. For related guidance, see our water damage claim service.

Florida claim support since 2002

We serve property owners throughout Florida, with dedicated support in Miami-Dade, Broward and Palm Beach, plus Tampa, Orlando, Fort Myers and Pensacola.

Call (888) 585-8010 or request a free property inspection. We explain our services and fees in writing before you decide to hire us.

Connect the equipment report with the damage photos

First, ask the technician for a written description of the issue found. Then keep that report with photos of the nearby damage. For example, a wet ceiling below an air handler and a drain-pan report may help explain the sequence of events.

Also keep equipment service records and the date of any repairs. Note when you first saw water or staining. If water affected another room or a neighboring unit, identify that location clearly in your records.

Finally, separate the equipment repair invoice from estimates for ceilings, paint or flooring. This makes it easier to compare the different parts of the loss. Century can help organize the claim records and discuss the insurer’s questions.