Last month, my neighbors had a terrible fire that not only destroyed their home, but destroyed our air conditioning unit.
- The heat of their fire singed the siding and roof of my house.
I never expected the fire to melt some components inside our air conditioning unit. When I called the HVAC company to inspect my air conditioning unit, they told me it needed to be replaced. The AC unit was only two years old, and I could not figure out why it suddenly needed replaced? He told me that the high heat of the house fire next to us had worked almost like a torch and melted some components together. He said he had never seen such a thing happen, but that was the only thing he could come up with. My question was, did I call my insurance company to cover the air conditioning unit, or would i bet covered by my neighbors’ homeowners’ insurance? I talked to my neighbor and told him what had happened to the air conditioning unit. He was noticeably upset about my AC unit and promised he would call his insurance company. In the meantime, I called my insurance company. I explained about the neighbors’ house fire and how the heat of the house fire had destroyed my air conditioning unit. They asked for me to get a statement from the HVAC Tech who had done the inspection, and they would then pay for my AC unit. After I received my new AC unit, they would contact the house owner’s insurance and get paid back.