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Did they require it to be upgraded to the next generation with the mildly flammable refrigerant or do you have the option of using a 410A system? Did they require the Air handling unit to be replaced too?
If it is 410A you won't have to replace the inside unit which will be much cheaper if you have that option. Also remember 410A will be still available for years to come but it will gradually go up in cost. Only the production of 410A equipment will be halted at the end of this year. Quote:
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Under what circumstances would the insurance company be required to replace the HVAC condenser? A lightning strike?
Most failures are due to bad compressors which will cost several thousand dollars with labor. I don't think insurance covers that. Most other problems would be relatively inexpensive. |
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Many 20 year old systems do not have condensate drain line shut-off float switches. They are required by code today. A clogged drain line could cause water damage. |
You might want to make sure you aren’t leaving behind any loyalty rewards such as good driver discounts, or accident forgiveness.
There might be rebates from your electric company to buy a new system (more efficient using less electricity). |
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Having a 20 year old HVAC unit is about twice what the normal life span is. Good for you. However, there has been a refrigerant change and it is doubtful that if you needed charging, the required refrigerant would be available. I would look to change the unit. We have a Lennox system and are very pleased with it, however there are other good units available. Shop around.
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15-25 years seems to be the expected lifespan for an HVAC, if regularly serviced.
I suspect that, like many things, the lifespan of those manufactured in the past ten years will be less than those made 25 years ago. If that is true, then it will have slewed the average such that an "old" one could well last 25+ years whereas its replacement might last under fifteen years. So you could end up having to replace it again before the original would have failed had you kept it. |
What is your home owners insurance have to do with your air conditioning? We've replaced ours but my insurance ha never made a request except a roof that is over 15 years old. We replace that too. You might ask them if they cover the AC & Heat, if not what do they care and if it still works, more power to you.
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Don’t buy Rheem
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Where do you get the idea that this person who is concerned about money they may not have, has money to spend on a fancy driveway? Has no one ever told you, "Don't believe everything you read? Guess not. You've read that all Villagers are rich- so you believe it. There is no room in your head for the fact that many are pinching pennies. Conclusion: A person who posts about a concern about money actually wants to spend $10,000 on driveway art.
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If you are standing next to a Fire Exit you aren't blocking it- in case of fire you'll step outside... in the case of an air conditioner failing in the Florida heat you won't wait to get mold- you'll buy a new one right away.
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