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mememe | Furnace needs replacing, will homeowner's insurance cover it? |
My mother in law's furnace went out the coldest day of the year, will homeowner's insurance cover the 3200$ + it will cost to replace it? State Farm is the insurer. |
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Luna & Lawnboy
|
Sorry; it won't. The furnace had to be damaged as a result of a covered peril. Wear and tear is not covered under your policy. I am in the same predicament. I will need a new furnace within a year according to my oil company. What a horrible expense! |
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onandonandonanon
 |
NO it will not!!!! That is regular maintenance and she will be responsible for having it replaced! |
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mbrcatz
|
No, that's a maintenance item. Mechanical breakdown is not covered.
Part of owning a house, includes maintaining it - replacing stuff as it gets old, breaks down, and wears out. |
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Rick F
|
I'm so sorry. No it probably will not unless it was damaged by a fire or flood or your roof collapsed onto it or something to that effect. Most furnace places will let you do payments. |
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heyteach
 |
No. However, how old is it? It MIGHT have some warranty life left on it which could result in a discount on a new one.
If not, then see if you can get the most energy efficient model so that there could be a tax credit for that which will help with the sting.
She might also qualify for a senior citizen discount (many places say senior is 55 and up).
Call around and see if something like that works. I've also seen deals (was AC but I live in the desert) where Home Depot gave qualified folks 12 months NO interest charge and to pay the bill off--that helps as well. HOWEVER you must be able to pay in full on time or you'll owe interest and it will be sad rate of interest.
Good luck.
(Oh and NO homeowner's would cover this. Nothing to do with State Farm.
You might consider a home warranty program like American Home Shield. It's NOT insurance per se, but they will send a qualified person out for $55 AND if there is a lesser problem (broken thermostat, fuse, etc.) will probably end up repairing for no charge. If it just wore out--old age--or was NOT maintained correctly they won't cover that. No one would--you invalidate warranties then too.) |
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acermill
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Of course it will not cover it. A furnace which breaks or wears out isn't an insurance issue. That's a maintenance issue for the homeowner. Your insurance is there to cover accidental damages. |
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src50
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No. Not unless it was destroyed by fire or accident of some kind. Otherwise it is homeowner maintenance and repair. |
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MSAD
|
It depends on what caused the furnace to go out.
If it went out because it's old - then no. Homeowners insurance will not pay.
If it went out because it was struck by lighting - then depending on your policy, there may be coverage. |
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stevexnelson
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If it went out because it is just too old to work, then insurance won't cover it.
(State Farm fights every claim anyways.)
Good luck. |
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