One thing that has not been mentioned is that most new HVAC systems come with a 5-year labor and 10-year parts warranty. And yet, the company who installs it wants to immediately sell you a 6-month or annual maintenance program. Even if I did want them to check the system periodically, which I don't, I certainly wouldn't pay for it until the warranty expired. And, not having a maintenance program does not affect the warranty.
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