Image

McCutcheon Air Conditioning and Heating Blog

Font size: +
2 minutes reading time (493 words)

Beware of Home warranties that claim to cover your HVAC

Don’t fall for insurance companies that offer policy’s that supposedly will repair or even replace your AC when it fails. They never replace the system – they will just keep sending people out to patch it up and keep it barely running.

According to Angies List “Historically, home warranty service companies have been one of the "worst graded" categories on Angie's List. Members misunderstanding or disagreeing with what their warranties cover and the quality of repair work are cited in the majority of complaints.”

Read the fine print. Some home warranty companies claim to cover major appliances but will in fact only cover a small portion of the total repair cost. They will also most likely send an Less than quality contractor out for the work.

The average cost of a basic coverage plan ranges from $350 to $600 a year, plus $50 to $75 per service call. However, consumers frequently expect more from these plans than they deliver. Home warranties aren’t insurance policies. They’re service contracts.

Some reasons not to use a Home Warranty Program:

  • Don’t assume your policy will replace a faulty component. The warranty company may insist on repairing it instead.
  • You may not be able to call your favorite service provider. Home warranties usually require you to use a contracted servicer.
  • Home warranties rarely cover the entire cost. Claims may be rejected because of “pre-existing problems or insufficient maintenance”.
  • When your AC breaks down in the middle of the summer you will wait a lot longer for it to be repaired because the HVAC contractors who work for the home warranty company will always take care of their own customers first. Also, most established air conditioning companies refuse to work with home warranty companies because there are very low margin, pre-determined, diagnosis and repair payment rates.
  • The warranty companies have relationships with parts suppliers and usually want to provide the parts used for the repairs. The problem is they typically buy the cheapest part they can get…parts a technician would not put in his own AC unit because; “you get what you pay for”.
  • Repair vs. Replace: There are conditions where repair is just impractical and if dealing directly with the customer, my advice as a technician would be to replace the equipment for improved comfort, efficiency, and plain common sense. The home warranty company however will only replace a unit that is unrepairable (very rarely is a unit unrepairable). Even when deemed unrepairable, they provide the cheapest, least efficient “pieces” of new equipment, not complete new “systems”.
  • If you think that in the event of a catastrophic failure of your HVAC equipment you’ll be covered for a whole new central air and heating system…you’re probably in for more frustration and disappointment than you bargained for.

Find a good HVAC contractor to provide your maintenance and minor repairs as necessary, and when replacement time comes, you’ll get to choose the right system for you, your budget, and your needs.

×
Stay Informed

When you subscribe to the blog, we will send you an e-mail when there are new updates on the site so you wouldn't miss them.

Why not buy an AC System online and save a few buc...
HVAC Companies that offer to buy your old equipmen...
Comment for this post has been locked by admin.
 

Comments

01 June 2022
AC Blog
The National Oceanic and Atmospheric Administration (NOAA) has released its forecast for the 2022 Atlantic Hurricane Season. Hurricane Season runs from June 1 through November 30 and they’re predicting another above-average hurricane season, with 14 ...
07 April 2022
AC Blog
For years, Freon® (R-22) was synonymous with residential air-conditioning refrigerant. Recognizing that the manufacture of Freon had an adverse effect on the environment, the EPA began a decade-long transition to more environmentally friendly product...
21 October 2021
AC Blog
It’s fall and that means the leaves are changing and the temperatures are dropping - for our friends up north. Here in Sarasota, it’s still HOT (and the leaves are still green) and that means we still want the AC blowing COLD. On the Suncoast, we dep...
13 July 2021
AC Blog
Have you been putting off maintenance on your AC system? With a once-in-a-lifetime pandemic that made travel all but impossible for several months and mortgage rates at historic lows, many of us (simultaneously) decided to address deferred maintenanc...
07 July 2021
AC Blog
Show your AC some love! Just like regular tune ups for your car, regular preventive maintenance for your AC will help you avoid those breakdowns that almost inevitably come at the worst possible time, prolong the life of your system, and save you mon...
27 September 2018
AC Blog
You may have seen a recent Herald Tribune article about a group of Southwest Florida air conditioning contractors that have organized in opposition to FPL’s expansion into for-profit home services. Pe...
31 May 2019
AC Blog
Forget about buyer negotiations for a new AC system or failed home inspections. With PACE Financing, Sarasota County Homeowners can finance energy-efficient heating, cooling, and ventilation systems w...

Sean McCutcheon's Air Conditioning and Heating, Inc.
5696 Pinkney Avenue
Sarasota, FL 34233

(941) 921-7208

Contractor License # CAC1813799

Site Map

Sean McCutcheon's Air Conditioning Logo - Blue and White

© 2021 Sean McCutcheon's Air Conditioning and Heating, Inc. All rights reserved.

Powered By Concept Digital Media, Inc.