Phoenix HVAC Hail Damage Claims Time Limit

The October 2010 hail storm that struck the Phoenix area caused a lot of damage to many outdoor HVAC units.  AC units that were rooftop mounted were the most exposed to the hail and were particularly susceptible to HVAC hail damage.  Golf ball sized hail was reported in many parts of the Phoenix metropolitan area including Glendale, Peoria, Sedona, and Scottsdale. 

If your AC unit was damaged in the hailstorm and you haven’t already filed a claim with your insurance company, you should get your claim filed quickly before it is too late.  Time limits for filing claims vary depending on the insurer, but the most common time limit is one year.  That means that your insurance claim for your hail damaged AC unit should be filed by October 4, 2011 or you risk losing the opportunity to have your air conditioner replaced.

Thousands of Phoenix area residents had their air conditioners replaced under their homeowners insurance policy following the October 2010 hail storm, but many more are not aware that their AC units were damaged.

Hail dents and deforms the soft metal cooling fins on your air conditioner.  In most cases, the air conditioner continues to function, but it will be far less efficient and cause the compressor to work much harder to cool your home.  The compressor will soon wear out, usually in few months.

If your area was hit by hail, have your air conditioner inspected by a trusted local HVAC contractor.  Many good local contractors offer free hail damage inspections so it won’t cost you a thing to find out if your air conditioner has hail damage.  Don’t delay – time is running out!

Hail Damage to Your Outdoor AC Unit

Most of us know that hail can damage our roofs, siding, cars, and landscaping, but not many people are aware that hail can do serious damage to your outdoor HVAC unit.  This is especially true if you live in an area where your AC unit is commonly mounted on the roof where it is totally unprotected from the damaging effects of hail.

When hail strikes the soft metal cooling fins surrounding the condenser coil, it crushes the fins together and impedes the flow of air through the condenser.  Your AC unit needs excellent air flow to cool down the hot compressed refrigerant.   When air flow is blocked, the air conditioner cannot operate efficiently. 

It may need to run longer than normal to achieve the same cooling or it may run constantly without ever reaching the desired cooling level.  Your compressor will be working much harder trying to cool your home and it will usually fail within a few months.   If your AC unit is damaged by hail, have it checked out by a good HVAC technician. 

In some cases, the cooling fins can be repaired by “combing” them until they are nearly straight again.  If this procedure fails to fix the problem, you will need a new coil or possibly a whole new outdoor AC unit. 

Check with your homeowners insurance policy to see if the hail damaged HVAC unit will be covered under your homeowners insurance.  Even if you did not find the problem until months after the hailstorm, call your insurance agent.  You may be entitled to a new air conditioner unit.