None of months after our wifey and I purchased our house, we had to contact the insurance company with a claim.
There was a big tropical storm in the section and a tree fell in the backyard and took out the Heating and A/C unit.
It was crushed like an accordion. The disfigure to the heating and cooling method was severe. All of us got an bid from the dealership for a new machine. At that time, the dealership told us that we should contact the insurance company. They believed that the disfigures would be covered under our claim due to the fact that the tropical storm affected our entire county. With a dire weather emergency declared in the state, the insurance company should have been forced to spend money for the new Heating and A/C equipment. My wifey and I had to jump through hoops to get the company to cover our loss. They wanted paperwork from the local weather service and paperwork from the mayor of the city. They wanted separate quotes from multiple different company providers and proof that I didn’t cause the disfigure before the storm began. It took multiple months before they paid for the claim. Thank goodness I had enough currency to spend money for the new equipment without the insurance company, because 3 months would have been a truly long time to wait for the insurance company to buy a new one. I would have gone most of the Summer and half of the fall season without being able to use the weather conditions control system. I wasn’t about to do that.