Does Homeowner’s Insurance Cover Furnace Repair?

The winter months are nearly on their way, and now is a terrific time to make sure that your furnace and heating system is in great shape for the coming season. With routine heater repair, you can ensure that your system will be able to heat your home throughout the cold winter months. However, in the event of an unforeseen incident, you may need to schedule emergency furnace repair. When you schedule furnace repair in St. George, you may wonder whether your furnace repairs are covered by your insurance. Here is a guide to determining whether your homeowner’s insurance will cover your furnace repair needs.

Normal Wear

Over the months and seasons, your furnace will experience a normal level of wear and tear. Eventually, some of the internal components of your furnace will need to be replaced by your technician. In the event that your furnace repairs are the result of normal wear and tear, chances are that your services will not be covered under your homeowner’s insurance policy.

Accidental Breakage

During the winter season, falling leaves and heavy winds can cause accidental damage to your furnace or heating system. If your furnace repairs are due to an unforeseen accident, there is a chance that the cost of repairs will be covered by your insurance. Typically, homeowner’s insurance will provide coverage against falling trees, high winds, and other types of natural occurrences. You may need to review your policy to determine what types of situations are covered.

Sudden Damage

There are other types of sudden furnace damage that you may experience during the winter months. For example, freezing outdoor temperatures could cause the pipes connected to your furnace to freeze. If this occurs, there is a high likelihood that your homeowner’s insurance will cover the cost of returning your furnace to proper working condition.