After a long drawn-out fight with the insurance company, my sister had to find a way to replace her HVAC unit herself.
Living in a semi-tropical state has its pros and cons. I love it because for most of the year, the weather is warm and pleasant. This means spending more time doing outdoor activities like going to the beach or to the parks as well as to yearly outdoor festivals. Of course, a semi-tropical climate has lots of storms, which means there could be flooding involved. And floods are never easy to face, between having to evacuate as well as dealing with the damage, it all can be overwhelming. And the damages after a flood are usually substantial and most insurance companies won’t cover those damages unless the homeowner purchased special coverage for it. Naturally, insurance companies have limitations on all the coverage that they provide. My sister found this out the hard way after a major storm and her house got flooded. Her HVAC unit was damaged in the flood, and she believed that the insurance would cover the replacement of the new unit. Unfortunately, her claim for her HVAC unit was denied because flood damages from seasonal rain does not fall under the peril clause. In order for her HVAC unit to be protected, she needed to purchase additional coverage. After a long drawn-out fight with the insurance company, my sister had to find a way to replace her HVAC unit herself. Since then, she has purchased the additional coverage that she would need to cover any flood damages on her HVAC unit caused by storms. Unfortunately, this is part of the deal with living in a semi-topical part of the country. We must have proper insurance protection when it comes to flooding and storms.