Beaumont Homeowners: Preparing for AC Failures in Extreme Heat and Storms

What to do if your AC goes out after a Texas storm or extreme heat

Did you know that Beaumont, Texas experiences an average of 113 days per year above 90 degrees Fahrenheit? That's more than any other city in the country. With temperatures soaring and storms brewing, it's not uncommon for air conditioning units to fail. But what happens when your AC goes out after a Texas storm or extreme heat?

The Texas difference: why this state has unique rules

Texas law requires contractors to be licensed through the Texas Department of Licensing and Regulation (TDLR). Additionally, flood damage needs separate National Flood Insurance Program (NFIP) coverage. These regulations are in place to protect homeowners from unscrupulous contractors and ensure that repairs are done correctly.

Recently, insurance carriers have begun excluding wind-driven rain claims from their policies. This means that if your AC unit is damaged by a storm, you may not be covered for the repairs. The Texas Department of Insurance (TDI) recommends checking your policy to see if this exclusion applies to you.

What you're actually owed — the real numbers

A typical Beaumont homeowner on a 1,800 sq ft house insured at $320k faces a 1% hail deductible, meaning $3,200 out of pocket before insurance pays anything. If your AC unit is damaged by a storm, you may be responsible for this amount plus the cost of repairs.

How to get the most from your claim or contractor

To navigate the claims process and ensure that you receive fair compensation for your damages, follow these steps:

• Document all damage with photos and videos. This will help support your claim and provide evidence of the extent of the damage.
• Get multiple quotes from licensed contractors to compare prices and services. Be wary of contractors who offer low-ball estimates or try to steer you towards more expensive repairs.
• Contact the Texas Department of Insurance (TDI) at 800-252-3439 for assistance with your claim. They can provide guidance on the claims process and help resolve any disputes with your insurer.
• Keep records of all correspondence with your insurer, including dates, times, and details of conversations. This will help you track progress and identify any potential issues.

Red flags: when the contractor or insurer is acting in bad faith

If a contractor says "we'll cover your deductible," walk away – it is illegal in Texas for a contractor to waive or pay your insurance deductible. Other red flags include:

• A contractor who demands payment upfront without providing a detailed estimate.
• An insurer who denies coverage for a claim without providing a clear explanation of the reasons.
• A contractor who recommends repairs that are not necessary or excessive.

Now that your AC unit is out, take action to protect yourself and your property. Contact TDLR at license.tdlr.texas.gov to verify the licensure status of any contractors you consider hiring. Additionally, review your policy with your insurer to understand what's covered and what's not.