Preparing Your HVAC for Tropical Storms And Other Natural Disasters: Who Covers What When Disaster Strikes
Our Carolina Comfort Service team has taken numerous calls about HVAC systems that were either ruined, won’t turn on, or are smelling odd when the power turns back on. It's a result of recent weather events that have also affected our business location.
The magnitude of this disaster was way beyond normal for our area or any area. But there are things you can prepare for if you know a large storm is heading your way.
Taking Care Of HVAC Systems During Flood Disasters
The first step is to turn off your unit at the breaker box. You will be without heating and air, but this step will prevent the power surge from hitting your HVAC components when the power comes back on.
An HVAC system creates a high power demand when it comes back on. This can create further issues or delays in restoring power. The power surge can also damage the internal components of your HVAC system.
Flooding is a bit different than other natural disasters. This is due to different variables. While one unit may sit at ground level, another unit may become elevated. It also depends on how high the floodwaters get.
If you are in a flood watch or warning area, we recommend that you turn off the HVAC power at the breaker level. If your unit sustains water, the unit will need a deep cleaning at the very least.
If moisture causes damage to the components, you are most likely looking at a replacement unit. The good news is that it may just be your outside unit. This depends on whether the floodwater got into your home or ductwork. If so, this could turn into a mold issue. It will need replacing.
Filing Claims For Your HVAC Systems
There have been many cases of denied claims since the water levels did not reach the indoor air handling unit or units. Some homeowners have seen this part denied in some cases, but not all. It depends on where the water level is and how much damage happened. You can read this appeal decision here.
As a homeowner, you will most likely want both of your units to match in make, model, and other factors. Get a professional to look at it. You may be able to make these units work okay if they are the same brand.
Mini-splits are similar in that the outside unit is possibly damaged if water gets into the unit. If floodwater does not reach the indoor unit, then you may be able to have the lines cleaned. There are still some variables involved. It’s best to have an HVAC professional like Carolina Comfort Service come and inspect for your safety and health.
Getting Your System Replaced by FEMA or Insurance
To get FEMA help, the Governor must declare a state of emergency. Once that happens, a few things take place. First, it enables government officials to take extra measures to protect the public. Second, the President of the United States must declare the area a major disaster area. The President will also activate an array of Federal programs to assist in the response and recovery effort.
In the case of Hurricane Debby, Helene, and Milton, all three prompted state of emergency orders in multiple states. Hurricane Helene proved to be extremely disastrous for our area here in Western North Carolina. The affected counties are:
If you are wondering if FEMA will help recover some of your costs to replace your HVAC system, it depends. You must file a claim first. You can do that here.
You can also call 800-621-3362 to apply or download the mobile app found at the link above.
Locations for NC Disaster Recovery Sites
You can stop by the Disaster Recovery Center in Asheville, Lenoir, or Marion for assistance:
Asheville:
A.C. Reynolds High School
1 Rocket Dr.
Asheville, NC 28803
Sunday through Saturday from 8 am to 7 pm
Lenoir:
Caldwell County Health and Human Services Center
2345 Morganton Blvd. Southwest
Lenior, NC 28645
Sunday through Saturday from 7 am to 7 pm
Marion:
McDowell County Senior Center
100 Spaulding Road
Marion, NC 28752
Sunday through Saturday from 8 am to 7 pm
Requirements For Your Application
When you apply, you will need several documents:
FEMA will assign an ID to your case. You can log in to check the status of your application at any time. If you qualify, FEMA will deposit a check into your bank account or send it via mail. FEMA will not cover what insurance covers — you should file a claim with your insurance provider first. Please note that most homeowner policies do not cover flood damage. Often, that type of coverage is by flood insurance by the National Flood Insurance Program. Please check first to make sure.
If your insurance won’t cover your HVAC unit, FEMA may cover your cost or at least a percentage of your replacement. FEMA will need an inspection of your property. To file a claim, you must do so before November 27th for North Carolina.
Call Carolina Comfort Service Today For An Inspection
If you experienced damage to your HVAC unit, call, text, or email Carolina Comfort Services today. A technician can come and inspect your unit and let you know what type of damage you have. They will also inform you if you need to get it repaired or replaced. We will also give you the paperwork you need to follow up on your claim.
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