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HVAC Equipment

Boiler Basics Claim Guide

As an adjuster, you’re likely to see your share of boiler claims each fall and winter (or even summer, if a boiler acts as a water heater). It’s important to…

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Boiler Claims 101: The Basics of a Residential Boiler

Each winter, homeowners are reminded of the importance of their boiler systems, particularly if a system isn’t working as it should. As boiler claims begin to appear on adjusters’ desks…

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Furnace Claim Overview Video

In the fall and winter months, claims involving furnace damage are common. Whether the furnace itself has caused property damage from a puffback, or a frozen pipe has burst and…

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Boiler Claim Overview Video

Claims involving boiler damage can be particularly tricky. Each system has a different configuration, and both repairs and replacements can be costly. Additionally, boilers often heat both the home and…

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The Basics of Chillers: How They Work, Where They’re Used, and Common Problems

When a damaged chiller claim lands on your desk, you need to be ready for the complexities that come with it. These systems are often intricate and specialized based on…

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Chiller Claim Guide

Claims involving commercial HVAC equipment can be complex, particularly when it comes to chillers. Determining the cause of loss, scope of repairs, and an accurate settlement amount can be daunting…

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Myth or Fact? 6 Truths You Should Know About the R-22 Phase-Out When Handling HVAC Claims

The federal regulations pertaining to refrigerant are constantly evolving, and there’s a big deadline looming on the horizon. As of January 1, 2020, it’ll be illegal to manufacture any R-22…

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R-22 Phase-Out Kit

[video width="960" height="720" mp4="https://www.hvacinvestigators.com/wp-content/uploads/2019/10/R-22-Video-Ad-2-2.mp4" loop="true" autoplay="true"][/video] The deadline for the phase-out of R-22 is fast approaching. On January 1, 2020, it will be illegal to produce or import new R-22…

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HVAC Fall and Winter Claim Handling Webinar Recording

We’re coming into the cooler seasons, when the boiler, furnace, and other heating system claims start rolling in, as these complex devices can fail for a number of reasons. You’re…

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Boiler LWCO Whitepaper

Boilers and Low Water Cutoff: Mechanical-Float Valves Low Water Cutoffs (LWCOs) for boilers are required by code in many states and municipalities, regardless of whether the boiler heating system is…

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Lightning and Surge Claims Webinar Recording

Every year, about 25 million bolts of lightning touch ground (National Severe Storms Laboratory)-- or hit homes, cars, trees, or other objects -- which resulted in over 77,000 claims in…

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HVAC Winter Concepts Webinar Recording

If the weather outside is frightful -- or maybe just a bit chilly -- it’s time for many to flip their HVAC systems from cooling to heating, and with that…

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HVAC Fundamentals Webinar Recording

There are thousands upon thousands of HVAC claims filed every year. Odds are that you, as an insurance adjuster, are going to see at least one, if not many. You…

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Hail and Wind HVAC Claims Webinar Recording

Impact damage to HVAC systems can come from a number of sources, but two very common perils are hail and wind damage. Because these damages are so prevalent, you want…

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Heat Pump Video

Getting Warmer: An Introduction to Air Source Heat Pumps You get plenty of HVAC claims coming across your desk as an insurance adjuster, but not all HVAC systems are the…

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Federal Regulation Overview

Regulation Station: Federal Regulations Overview If you adjust HVAC insurance claims, you want to know what regulations your customers’ systems need to adhere to when they are being repaired or…

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HVAC Basics Kit

The HVAC Basics Kit: An Interactive Primer for Insurance Adjusters As an insurance adjuster, you may not be an HVAC expert, but with the thousands of HVAC claims that come…

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EPA Regulation Overview

Regulation Station: EPA Regulations Overview HVAC system claims come up all the time. However, there are many times when contractors will recommend replacing a unit when repairing it will suffice.…

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DOE Regulations Overview

Regulation Station: DOE Regulations Overview When you’re getting customers back to pre-loss condition after damage to their HVAC systems, you have to ensure that any repairs or replacements are compliant…

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HVAC Compressor Damage

The HVAC Compressor Failed, but Why? Electrical vs Mechanical Damage The compressor is considered “the heart” of the HVAC system, but when that heart stops working, a customer may come…

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HVAC Fall and Winter Claims Kit

When the temperature starts inching down, a whole new wave of claims can start flooding your desk. Your customers are starting to kick on their furnaces and boilers to get…

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Split Systems Video

There are several different types of HVAC systems, and, as an insurance adjuster, you need to be prepared for whatever kind of claim comes across your desk. The most common…

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Gas Furnace Video

Turn Up The Heat: How a Gas Furnace Works As an adjuster, insurance is your area of expertise. If you’re not also an expert on the inner workings of gas…

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Split System Glossary

Here and There: The components of split system HVAC units The most common type of residential HVAC unit in the United States is the split system, where one section of…

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Packaged Unit Glossary

All-in-One Package: The parts and functions of a package unit While package units may not be the most popular residential HVAC systems (though they are still found in many homes),…

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Heat Pump Glossary

Fire Up Your Knowledge: Heat Pump Whats and Hows Heat pumps, like traditional split systems, remove heat from homes or businesses, but unlike straight cooling units, they also can bring…

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Boiler Glossary

Boiler Breakdown: A glossary of terms and parts  Boilers are a relatively common way of heating a home or business, but the complexities of these sophisticated machines aren’t common knowledge.…

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Assessing Ductwork: Perils, Problems, and Factors in Claims Decisions

Many HVAC claims require some attention to ductwork. After all, the ductwork carries the heated or cooled air from the HVAC system to the rest of the building, whether it’s…

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A Guide to Common Types of Ductwork and How They Impact Claims

Ductwork moves air through a conditioned space, so when they’re damaged, an HVAC system needs to work harder and the air being pumped into the space is compromised. Dust, mold,…

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HVAC Refrigerant Leak Guide

HVAC claims are often complex, but a leak in the refrigerant circuit can create a whole new level of difficulty. Most HVAC systems provide air conditioning through the use of refrigerant.…

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The Effect of Corrosion on Repairing Hail Damaged HVAC Coils

The following article on “Corrosion and Hail-Damaged HVAC Coil Repairs”, written by Matt Livingston of HVAC Investigators, originally appeared on Property Casualty 360.  Wind and hail losses are the most frequently claimed homeowner’s…

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HVAC Wind Damage

High winds typically accompany a variety of severe weather conditions, including tornadoes, hurricanes, and thunderstorms. Regardless of the storm type, high winds can be the catalyst of catastrophic damage to…

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HVAC Water Damage Overview

Water damage  can occur at any time of year, whether due to natural or man-made circumstances. HVAC systems are susceptible to water losses from man-made causes such as water leaks…

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HVAC Theft Claims Overview

Theft consistently ranks as one of the top four most frequently claimed perils by homeowners each year. HVAC systems are particularly common targets for theft crimes as they are comprised…

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Smoke and Fire Damage to HVAC Systems

Smoke and fire damage can occur year round and be sparked by a variety of sources ranging from a lightning strike, an electrical malfunction, incident in the kitchen, or even…

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Puffback Damage

When the seasons change and winter temperatures settle in, homeowners fire up their heating systems for the first time and carriers begin to see an influx of furnace and boiler…

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HVAC Lightning Damage

Determining if lightning was the true cause of loss to your insured's HVAC unit can be a complicated task, particularly when lightning is one of the most frequently claimed perils.…

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HVAC System Freeze Damage

According to the Insurance Information Institute, Water and Freeze Damage claims are among the most severe property claims, with an average settlement of over $10,000. With the severity and frequency…

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Heat Pump Overview

The global heat pump market has grown dramatically due to recent tax credit incentives and for being an energy-efficient heating and cooling option. Heat pump split systems are one of…

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HVAC Hail Damage Repair Hierarchy

Aside from roofing and siding, HVAC systems account for one of the most commonly claimed residential property hail losses. According to NOAA, 2018 saw close to 4,600 major hail events,…

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Evaporative Cooler Claim Guide

Despite being one of the oldest forms of air conditioning, evaporative coolers are less common than refrigeration based HVAC systems but are still prevalent throughout drier climates (particularly the Western…

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Cracked Heat Exchanger Overview

Cracked heat exchangers are a frequent furnace loss seen in the winter months. Heat exchangers are vital components located in the furnace, and often fail due to typically non-covered causes…

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5 Questions to Ask Before Settling HVAC Claims

HVAC claims can be among the most difficult types of claims to settle. Not only is there an urgency to settle these claims quickly due to an HVAC's system function…

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4 Things to Look for When Assessing Hail Damage to a Condensing Unit

If you have checked out our HVAC Hail Damage Repair Hierarchy, you know that there is often a repair option available when faced with a hail damaged HVAC claim. To…

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The Rising Wildfire Risk and Property Claims

Wildfire risk has been on the rise throughout the past decade. The first four months of 2017 have shown an increase of 20% in the number of wildfires compared to…

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The Impact of HVAC Theft on Property Claims

One in every 235 homeowners files a theft claim each year. These damages average nearly $4,000 per paid claim, according to the Insurance Information Institute. A major contributing factor to these…

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Spring Storm Claims Toolkit for Adjusters

Spring storm season started with a bang across much of the United States, and weather events are only expected to increase in frequency throughout the season. According to Aon Benfield’s catastrophe…

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Identifying Lightning Damage to HVAC Systems

Lightning strikes the earth about 100 times every second and can heat the surrounding air to up to 50,000 degrees Fahrenheit (The Weather Channel). As such a destructive force, it’s…

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Identifying Water-Damaged HVAC Systems After a Hurricane

The following article on “Identifying water-damaged HVAC systems after a hurricane”, written by Matt Livingston of HVAC Investigators, was originally published on Property Casualty 360. As the floodwaters recede across the Gulf Coast…

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Hurricane Damage Resources for Adjusters

2016 was the busiest Atlantic hurricane season in the past four years and served as a reminder of how devastating hurricane damage can be. Last year, there were 15 named…

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How Hurricane Force Winds Impact HVAC Systems

The following article on “Windblown: How hurricane force winds impact HVAC systems”, written by Matt Livingston of HVAC Investigators, was originally published on Property Casualty 360. The 2017 hurricane season has proven to…

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Hail Damage to HVAC Condenser Coils

The following article on “Hail Damage to HVAC Condenser Coils”, written by Matt Livingston of HVAC Investigators, originally appeared in the Technical Notebook Column of Claims Magazine and was also published on Property Casualty 360. …

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Furnace and Boiler Puffbacks

The following article on “Furnace and Boiler Puffbacks”, written by Matt Livingston of HVAC Investigators, originally appeared in the Technical Notebook Column of Claims Magazine and was also published on Property Casualty 360.  Soot damage…

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An Introduction to Evaporative Coolers

Evaporative coolers are a popular alternative to traditional refrigerant-based air conditioning units in regions with hot, dry climates. While they are not seen as frequently as traditional split systems and…

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Thermal Fatigue in HVAC Heat Exchangers

The following article on “Thermal Fatigue in HVAC Heat Exchangers”, written by Matt Livingston of HVAC Investigators, originally appeared in the Technical Notebook Column of Claims Magazine and was also published on Property…

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HVAC Compressor Damage: Lightning or Wear & Tear

The following article on “HVAC Compressor Damage: Lightning or Wear & Tear”, written by Matt Livingston of HVAC Investigators, originally appeared in the Technical Notebook Column of the July 2017 issue of Claims…

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The Dangers of Freezing Water & Boilers

The following article on “The Dangers of Freezing Water & Boilers”, written by Matt Livingston of HVAC Investigators, originally appeared in the Technical Notebook Column of Claims Magazine and was also published on Property Casualty…

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Understanding HVAC Diagnoses – Acidic Refrigerant

Year after year, lightning is consistently the most frequently claimed peril for HVAC systems in homeowner’s claims, and it is also the most often misdiagnosed cause of loss, according to the HVACi 2018…

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HVACi Releases 2019 Annual Claims Report

HVAC Claims Continue to Offer Property & Casualty Carriers a Monumental Opportunity to Realize Millions in Claims Leakage Annually   HVACi’s 2019 Annual Claims Report showcases the significance of partnering…

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4 Options to Consider When Adjusting Hail Claims

The following article on “4 Options to Consider When Adjusting Hail Claims”, written by Matt Livingston of HVAC Investigators, was originally published on Property Casualty 360. The first few months of 2016 ushered…

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Weird HVAC Claims Hall of Fame

In the claims industry, we all see our fair share of strange losses. As an adjuster, I'm sure you've seen your share of peculiar claims! HVAC losses are not different. They are…

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Previously Recorded Webinars

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