To reiterate what has been said, the home inspection can only determine the condition of the home "at the time" of inspection. Your situation is rare, but not unheard of. The inspection proves one thing, that the HVAC was operational at the time of closing.
BUT, you did make a mistake when you replaced the unit without contacting the home warranty issuer. It should state the course of action to be taken for repairs in your home warranty paperwork. I don't quite understand the warranty company saying the unit didn't work before closing, they have no way of knowing that. Their reason should have been that you didn't call them first. I can say from experience that most providers of home warranties are reputable and will abide by the terms of the agreement.
Only in my opinion, your are pretty much on your own on this one. But with the lesson learned, please read all of the terms and conditions of your home warranty in case you do need a repair in the next year that is covered. Good luck and enjoy your home.
|