Home Insurance in 60473>Question Details

Mrs. Freeze, Home Owner in 60473

My gas furnance went out today.. I would like to know if my homeowners insurance will cover for a replacement

Asked by Mrs. Freeze, 60473 Fri Dec 24, 2010

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6
Mrs. Freeze:

Sad to hear it went out on X-MAs eve. If you have warranty on it then for sure.
A lot depends on if under warranty or whether it was wear and tear.

A lot depends if you bought the home 90 days ago, then you can call your
Realtor.

Here are some companies that maybe able to help you:

Van Drunen Heating & Air Conditioning
1440 168th St
South Holland IL 60473

708-339-6444
Toll Free Number: 866-339-6444

URL: http://www.vandrunenheating.com

Doornbos Heating & Air Conditioning
phone: (708) 423-9580
fax : (708) 423-7361

No harm calling your insurance company on Monday.

Hope X-MAs day was nice and warm.

Good luck.
Perry
0 votes Thank Flag Link Sat Dec 25, 2010
Mrs. Freeze,

Can you believe the timing of this?

Your home owner's policy will spell out what is covered by it. As previously stated, unless there was an event that caused damage to the unit it's vary unlikely that repair or replacement will be covered by your insurance. Policies normally cover loss because of an unexpected event not normal wear and tear.

Good luck,

Bill
0 votes Thank Flag Link Sat Dec 25, 2010
Mrs Freeze, as you now know, barring some extenuating circumstance, your homeowner's insurance will not cover repairing or replacing the furnace.

For the future, you might want to look into a home warranty plan.
American Home Shield is one company we use that offers replacements for many items if they can't be repaired. The cost for an average home can run in the $500+ range (depending on what you select)....you pay a service fee ($95), and any cost to repair the items above that are covered by the plan.
Check them out at

http://www.AHS.com

Good luck with your new furnace!

Web Reference: http://www.debbierosesells.com
0 votes Thank Flag Link Fri Dec 24, 2010
It is unfortunate that your furnace quit working in the middle of winter. Since you most likely don't use it in the summer, I think that it is normal for this problem to occur when you need it the most.

If your car quit working you would not expect your insurance to fix it unless it was a warranty problem. Same deal with your furnace.

Call an expert before you freeze.
0 votes Thank Flag Link Fri Dec 24, 2010
Not unless there was an act that caused it. Old age wont cut it... If you have a home warranty then it may, but chances are a regular home owners insurance policy wont cover it.
0 votes Thank Flag Link Fri Dec 24, 2010
No, not unless there was some other peril that caused your furnace to stop working, like a fire. If you have a home warranty, Which us ussual available when you buy a home or a seller lists a home)that would cover your furnace repair or replacement.

Time to call the furnace repair man and get the bad news.


Keith Manson
Certified Distressed Property Expert
Metro Milwaukee

http://www.milwaukeebailout.com
0 votes Thank Flag Link Fri Dec 24, 2010
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