Quote:
Originally Posted by Fuzzyjourneyfan
My home owner's insurance company just called and told me that they won't renew my insurance unless I have my 20 year-old HVAC (AC/Heat) system replaced. There is nothing wrong with my HVAC system. I asked if they could just come and inspect it, but that's a no-go. I really don't want to switch to a different company because they are probably going to say the same thing. Do I have any other options (besides not having insurance) where I can keep my original HVAC system? If not, do you have recommendations for a good company to install a new one? Very frustrating...grrrrrr..... 
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I could never understand why insurance companies are requiring the replacement of HVAC and water heaters. If the HVAC fails, they aren't going to replace it under your home owners policy. What damage could it cause? Most tank water heaters are located in the garage. If they leak it goes on the garage floor, big deal. No damage and there again, they aren't going to replace it if it fails. Why is it Florida Insurance companies have all this power? They really need to have their wings clipped.