Can You Claim Your Ducted Air Conditioner Replacement Through Insurance?

Wondering whether your ducted air conditioning system can be claimed under your home or contents insurance? The answer is yes, you may be eligible. 

Ducted air conditioning systems are a significant investment, and when they’re damaged due to unforeseen events like storms, cyclones or other insured incidents, it’s important to know whether you’re entitled to a repair or replacement. 

At BG Electrical & Aircon, we’re here to help you navigate the insurance claims process and ensure your ducted system is restored and fully operational again.

Is Your Ducted Air Conditioner Covered by Insurance?

Ducted air conditioning systems are typically considered part of your home’s fixed structure, which means they may be covered under your home insurance policy. However, this will depend on the cause of the damage and the specifics of your policy. 

Common scenarios where your ducted air conditioner may be eligible for an insurance claim include:

• Storm or cyclone damage: High winds, heavy rain and debris from severe weather events can damage your ducted system.
• Fire or flood damage: If your home experiences a fire or flood, your air conditioner may be affected.
• Lighting storm damage: Lightning strikes, power outages and resulting power surges can be devastating to your aircon system.
• Accidental damage: In some cases, accidental damage may also be covered.

It’s important to review your insurance policy or contact your provider to confirm coverage for your ducted air conditioning system. If you’re unsure, the team at BG Electrical & Aircon can help you assess any damage and provide the necessary documentation to support your claim.

Why Ducted Air Conditioning Systems Are Different

Unlike split systems, which are often considered low-value items, ducted air conditioning systems are a major component of your home. They are integrated into the structure of your property, which is why they are typically covered under home insurance rather than contents insurance. This distinction is important when filing a claim, as it ensures you’re addressing the correct part of your policy.

How BG Electrical & Aircon Can Help

Navigating the insurance claims process can be overwhelming. But with expert advice and support, it doesn’t have to be. We simplify the process to ensure the best results for you. Here’s the steps we follow:

1. Damage Assessment

Our team will conduct a thorough inspection of your ducted aircon system to identify the extent of the damage. We’ll check all components, including the indoor unit, outdoor unit, ductwork and electrical connections, to ensure nothing is overlooked.

2. Free Insurance Report

We’ll provide a comprehensive report for free that details the damage and the required repairs or replacement. This report can be submitted directly to your insurer to support your claim.

3. Expert Repairs or Replacement

If your claim is approved, we can carry out the necessary repairs or install a new ducted system, ensuring it meets the highest standards. At BG Aircon & Electrical, we only use trusted brands when repairing or replacing your aircon system.

4. Guidance Throughout the Process

We’ll guide you step-by-step, from the initial assessment to the final submission of your claim, making the process as seamless as possible. Our team is always available to answer your questions and provide updates on your claim’s progress.

Steps to Take If Your Ducted Air Conditioner is Damaged

If you suspect your ducted air conditioning system has been damaged, follow these steps:

1. Turn Off the System: To prevent further damage, turn off your air conditioner at the mains.
2. Document the Damage: Take photos or videos of the damage, including any visible issues with the indoor unit, outdoor unit or ductwork.
3. Contact Your Insurer: Notify your insurance provider as soon as possible to start the claims process.
4. Call BG Electrical & Aircon: Our team will assess the damage, provide a detailed report and guide you through the next steps.

Why Choose BG Electrical & Aircon?

As Brisbane locals, we understand the unique challenges posed by cyclones, storms and the other unexpected weather events that Queensland is prone to. Our team knows the damage these events can cause to aircon systems—but more importantly, we know how to correct them.

We have extensive experience working with insurance companies and understand the requirements for successful claims. We know what insurers look for and we can provide the necessary documentation to support your case.

Don’t Wait – Act Now!

If your ducted air conditioning system has been damaged by a storm, cyclone or other insured event, don’t delay. Contact BG Electrical & Aircon today to schedule an assessment and get the support you need to file your insurance claim.