Melbourne lightning damage: HVAC full-replacement approved.
Lightning strike damaged HVAC system. Carrier wanted component repair; system age required full replacement.
Lightning strike damaged HVAC system. Carrier wanted component repair; system age required full replacement.
The initial claim
What went wrong
Carrier authorized component replacement only.
The intervention
What we did
HVAC technician report on component age and incompatibility with new parts; full-system replacement economics.
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Key takeaways
Lessons for policyholders
HVAC partial vs full replacement often turns on age and parts compatibility.
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Know the law
Relevant statutes
FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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See also
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