Can an annual or bi-annual inspection of your HVAC system detect an issue that may cause a failure? Yes, but it is unlikely. In 10 years, my system has experienced only one breakdown that was repaired within 3 hours, and it was fully covered by the warranty. In my opinion, the maintenance cost is not worth the benefit. This is especially true for systems that are still under warranty, which is usually 10 years for the parts. HVAC companies push maintenance agreements because that is how they make most of their profit. They can collect $100 to $200 in less than an hour without repairing anything, installing any parts, or assuming any risk.
Do you have an appliance expert come to your house every year to inspect your refrigerator? It has basically the same components and complexity as the HVAC system. And, if it breaks down, it usually takes longer to get repaired than an HVAC system.
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