We have received many calls, due to the large amount of rain, about AC flood damage. Here is a quick list of items to know about your air conditioner and what you might expect to be covered by your homeowners insurance.

First and foremost, go to your breaker panel and turn off the power to your AC unit. More damage could occur if electricity flows into the unit. Second, contact your homeowners insurance company and see if you have any coverage from flooding or storm damage. Many policies exclude flood damage but will cover if a tree limb damages your AC unit. So if you have wind damage, make sure to mention this first before you mention the flood damage.

Fresh water is not the same as salt water and is much less corrosive and damaging. Be sure to let the condenser dry out for a few weeks before having service performed.

For the outdoor section:

Turn off the breaker
Have the coils cleaned. This should be done from the inside of the unit by removing the top of the unit.
If any electrical component was submerged, it should be removed and checked for corrosion and faults or replaced.
The condenser fan motor could be damaged if the seal around the motor is bad. These motors are designed to be in the rain but not submerged.
Compressor terminals should be cleaned as rust and corrosion will build up over the next 60 to 90 days.
All of these items are checked on a complete system cleaning and tune up.

Homeowners insurance usually does not cover flooded air conditioners. National flood insurance will usually consider the condenser a total loss if salt/brackish water reached the compressor terminals. Fresh water submersion to the electrical controls and above will usually be covered. Any damage must be documented by a licensed air conditioning company.

If you live in the Greater Ridgeland area schedule an appointment today online or call (601) 203-1741.