Air Conditioning?

Question

Our air conditioner, is so old. We have home insurance, and it covers it. So here's the problem. It is like 20 years old, and is working, it is just not capable of keeping the house cold. The temp. of the house is like 80. So since it is constantly running, and we have it insured and they know of the problem. Will they pay the portion of our electricity bill (just the AC unit part), because they insure it and they are letting the problem continue (they are repeatedly trying to fix it)?

Answer 1

No homeowners insurance dosent cover things breaking from being old

Answer 2

They will not pay for you power bill. Contact the insurance company and stay on top of them, for an estimated time of replacement. If you have to call a couple times a week, than do it. The old saying, "the squeaky wheel get the oil" will apply!

Good Luck and try to stay cool.

Answer 3

No, they will not pay for your electric bill. And as you can already tell, they are going to take their sweet time fixing your old unit. They are going to fix it slowly and they are going to fix it as cheap as they can. Which means for you: you are going to be in a hot, miserable house this summer, paying out the wazoo for an ac unit that is constantly running. You are just going to have to stay on top of this and call them everyday, a few times a day. Drive them crazy, and they will eventually rather pay out the money and fix it to get you off their back. If they continue to do nothing about it, contact your State Dept. of Insurance. That usually gets the ball rolling faster than anything else. Insurance companies don't like to have complaints against them with their governing body. Good luck to you and remember, call everyday and drive them crazy!

Answer 4

Well, it depends.  

Most of the time, a homeowners policy will NOT pay "increased utility costs" unless you have an enhancement endorsement that picks it up.  I HAVE seen a few policies that do - but it's NOT STANDARD.

Of course, having that air conditioner covered isn't standard, either, so it IS Possible you have coverage for increased utility costs due to something else that's covered under your policy.

So I hate to cop out on this, but you're going to have to either ask your agent, or read your policy, to know for sure.