As the floodwaters recede across the Gulf Coast following Hurricane Harvey, the arduous process of claims investigation begins to unfold. CAT adjusters from across the country are travelling to the impacted areas to assess property losses and assist insurance carriers in reaching accurate settlements.
For many adjusters, one of the most difficult property components to assess is the HVAC system. HVAC equipment is simply too expensive to indiscriminately write replacement estimates, and accurate pricing and availability is also difficult for adjusters to access. Moreover, determining if the equipment is damaged is itself a difficult task – it's not always a matter of just turning on the system to determine whether or not it works. Many of the properties are still without power, and once restored, diagnosis may prove difficult without first determining the full extent of potential damages.
The first step in this evaluation process is to perform a visual inspection to determine how high the water rose and what components may be affected.
Recommended For You
Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader
Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:
- Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
- Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
- Educational webcasts, white papers, and ebooks from industry thought leaders
- Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
Already have an account? Sign In Now
© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.
