Savvy homeowners make sure that they have the right amount of insurance to protect their home, car and other possessions- keeping their finances as stable as possible. After all, no one wants to deal with an unexpected large bill to replace a big-ticket item such as HVAC equipment.

This is why many homeowners choose to purchase a home warranty plan to safeguard their HVAC system. The prospect of going without the comfort of air conditioning during the height of summer or having to shiver and bundle up with multiple sweaters during winter is enough to cause homeowners to pay for a home warranty and get added peace of mind.

If it's been a while since you reviewed your home warranty plan or if you are considering getting one to protect your property, you may not be certain whether it will cover a new HVAC unit.

Extenuating Circumstances

In many cases, a home warranty will not cover the replacement of your HVAC unit if it was damaged or destroyed due to what insurance companies refer to as an act of God, such as fire, flood or hurricane.

You will need to contact your home warranty company for specific details. Even though such occurrences are relatively rare, you don't want to assume that equipment damaged during a major disaster will be automatically replaced.

Another important consideration is that home warranty firms may not cover a replacement unit if the owner failed to arrange for regular cleaning, inspections and maintenance.

The Importance of Regular Cleaning and Maintenance

When you had your HVAC equipment first installed, hopefully the company told you about the importance of keeping it clean and getting a professional to maintain it on a regular basis.

However, you may have purchased your home with existing HVAC equipment and are not in touch with the original installers. If you don't have a relationship with an HVAC installation, service and repair firm, you can contact the HVAC specialists at David Gray Heating & Air.

At least once a year, you should have a qualified HVAC technician come to your home to thoroughly examine the equipment and perform all necessary cleaning and maintenance tasks. This is the best way to nip problems in the bud, before they become difficult and more expensive to remedy.

There are also tasks you can do in between visits from your local HVAC service company, such as removing and putting in fresh replaceable filters according to the manufacturer's instructions or periodically cleaning your permanent filter.

Did you know that failing to clean your filters can ultimately damage the equipment? When the system is overwhelmed with dust and debris from an uncleaned filter, it will have to work much harder, which puts a strain on the equipment. Not only can this lead to a malfunction, a dirty system will typically cause your utility rates to skyrocket because it needs more power to do its work.

David Gray Heating & Air's professionally trained technicians are devoted to providing superior service to residents and homeowners in the greater Jacksonville, Florida area. If you have concerns about the state of your HVAC equipment and would like to arrange for a service call to inspect, clean or perform other maintenance tasks, please call David Gray Heating & Air today. We're looking forward to hearing from you.