Commercial HVAC leak claims
Commercial property owners may eventually deal with the consequence of water damage originating from air conditioning units or other HVAC systems. A common occurrence for business owners typically in the summer months and in the southern region of the US, An air conditioning leak can arise from many sources such as: cracked or rusted drain pans, broken condensation pumps, disconnected drain lines, frozen evaporator coils and in most cases clogged drain line. Identifying the source or cause of the AC leak is not always simple and can mean that contacting an AC technician is the next step to take. Unfortunately, water damage arising from an air conditioning leak may not only stay contained to the boundaries of where the unit or pipes are located. The resulting affect to a property such as a condominium building, apartment building, restaurant, school, or even a church can be devastating. The water damage disaster of an air conditioning unit discharging gallons of water into a commercial property can be astounding. Water can travel down shafts and make its way down several floors below. Damages to a building caused by a HVAC leak will present difficult circumstances to a business owner and managers.
Our experienced commercial claim public adjusters will properly address and identify underlying issues that yourself and insurance company may not understand. Many of these issues will be difficult to investigate and document once certain repairs are made to the property. However, other issues related to structure and non-cosmetic damages will remain until properly remedied. This is simply why it is encouraged to contact a commercial claim public adjuster at the early stages of your claim. Floridian International Adjusters can assist business owners & managers on new claims, underpaid claims, and even claims that have been denied coverage under the commercial insurance policy.
Major air conditioning leak sources
- Cracked or rusted drain pans – Typically leak due to material failure & wear
- Broken condensation pumps – Fail over time and wear
- Disconnected drain lines – De-bonding can occur over time
- Frozen evaporator coils – Lack of maintenance & wear
- Clogged drain lines – Lack of maintenance and buildup of obstructions such as algae
- Duct leaks – Due to condensation and insulation failure
- Water line leaks – Due to condensation and insulation failure
Why contact an A/C technician?
Business owners will at times attempt to take trouble shoot measures that can possibly help find a leak, however, sometimes these measures are not always effective. As a result, commercial property owners may have to rely on the expertise of an A/C technician to properly identify and diagnose the HVAC system. An A/C tech will test the air handler, inspect the coils, unclog drain lines and service the overall system if needed. The receipts and invoices provided by the A/C contractor will play vital in the presentation of your claim.
Tips for commercial property owners after an HVAC leak
- Take safety measures for yourself and all occupants first
- Ensure that your property is safe for entry
- Take initial photos & videos and create an initial list of damaged property (Interior & Exterior of building)
- Locate your property insurance policy (hardcopy & PDF if possible)
- Immediately take steps to prevent further damage (For example: shutting HVAC system and removing water from interior spaces.)
- Contact Floridian International Adjusters for a FREE CONSULTATION!
- Provide prompt notice of loss to your insurance company
- Develop a plan and claim management strategy with your public adjuster
What exactly caused the HVAC to leak?
The initial documentation of your water damaged property is imperative in providing the evidence needed to create an initial presentation to your insurance company. Contacting an HVAC contractor or other qualified expert to diagnose, document and provide you with a written opinion is imperative. Taking photos and videos with your smartphone or any other device will help solidify your claim and show important documentation of damaged property that may not be obtainable at a later time. Floridian International Adjusters will advise that the property be tested for several issues such as: water damage causing mold growth, structural deficiencies caused by exposure to water, and other unseen failures to systems.
Claim management strategies for HVAC leaks
Fire sprinkler leaks to commercial properties can be different in many ways. When consulting with your public adjuster, a plan should be developed with the following questions.
- What is the extent and scope of damages to my property?
- What is the initial proposed cost of repairs and restoration?
- Does any of my property damage need to be brought up to code?
- Do you have an estimated timeline for the period of repairs and restoration?
- What are benefits under the commercial insurance policy contract?
- What are my duties and conditions under the insurance policy?
- How long will it take to receive any payment for my claim?
- How do I claim business interruption?
- How do I keep my tenants?
- Do I have coverage for “Extended Period of Indemnity” or “Boiler & Machinery?
- How long can my claim settlement take?
Our public adjusters service the following areas
Floridian International Adjusters continues to expand into several regions of the US and abroad. Currently, our licensed adjusters can assist property owners with damage in the following locations:
|South Carolina||North Carolina|
Property loss consultants working for you!
Founded in a region known for it’s high risk of natural disasters such as tropical storms, hurricanes, floods, fires and other catastrophes. Floridian International Adjusters has become a known advocate for policyholders who have incurred the consequence of property damage to their homes and businesses. Our licensed public adjusters have represented and settled thousands of property insurance claims on behalf of property owners. FIA’s trained staff and adjusters come from many diverse backgrounds such as customer relations, architecture, emergency restoration, marketing, business administration and even from inside the insurance carrier side of the property insurance industry. The combination of these various disciplines gives the firm a competitive edge in excelling the practice of public insurance adjusting, property loss consulting and loss appraisal.
Floridian International Adjusters core principles center on the needs of our clients. Our careful representation and insurance claim management strategies provide your property loss claim with an opportunity to maximize the benefits of your insurance policy coverage in an efficient and pro-active manner. Understanding the nature of identifying damage and properly appraising the value of your claim is our specialty.