Typically, homeowners insurance may cover HVAC replacement if the damage is due to a covered peril listed in your policy. These perils often include unexpected events such as fire, vandalism, or damage from natural disasters.

HVAC stands for Heating, Ventilation, and Air Conditioning, encompassing the systems used to move air between indoor and outdoor areas, along with heating and cooling both residential and commercial buildings.

The four basic categories of HVAC systems are: split systems, hybrid systems, duct-free systems, and packaged heating and air systems.

The difference between AC and HVAC is that AC stands for just Air Conditioning, focusing solely on cooling, while HVAC includes heating, ventilation, and air conditioning.

The basics of HVAC include understanding the means of controlling and maintaining indoor climate to provide comfort and optimal air quality through regulation and exchange of air, temperature, and humidity levels.

HVAC stands for Heating, Ventilation, and Air Conditioning, whereas HVACR includes Refrigeration, adding another component to the HVAC system that deals with cooling and preserving food, chemicals, and other perishables.

An HVAC system typically lasts between 15 to 25 years, though this can vary based on the system type, maintenance, and usage patterns.

You’ll know your HVAC needs replacing if you’re experiencing consistent breakdowns, inefficient cooling or heating, increased energy bills, or if the system is beyond its usual lifespan and requires frequent and costly repairs.