[Stu from NYC]

Originally Posted by DAVES

The reality of all insurance. They access the risk. They charge a fee to cover the risk plus overhead, plus a profit. They make money on the fee, the premium and lose money on any payout. As far as replacing a twenty year old AC. The typical life of an AC in Florida is around 14 years. I expect the policy that you signed has some reduction in payout for a replacement unit. Can't find the part? Perhaps, a good excuse to get out of whatever you are entitled to.
Reasonable time frame-what is that? A day a week a month? Were it me and I wanted that, beyond it's normal expected life unit repaired, I would ask what the part is, part number etc and see if you can find it. There are all kinds of strange businesses on the internet. I am stubbornness personified. I needed a no longer made plumbing part. I was told by a plumber the part is no longer made and I had no choice but to replace all of it. I found a guy a business that would make old plumbing parts. The part was not cheap but far less than tearing out the tile etc.

We had an old dryer that needed a part and parts not made. Our repair guy had a friend who had all kinds of old machines stored in his basement and amazingly enough our part.