We have a flood loss on a residential property covered by the standard flood policy that damaged the HVAC condenser unit on the outside of the building. The condenser is not repairable and will have to be replaced. Do we owe to replace the interior air handler, which was not touched by the flood waters? Please not the system uses R-22 Freon that is no longer in use.

Texas Subscriber

Both the NFIP General Property Form and the Dwelling Form provide coverage for direct physical loss by or from flood. There is no coverage under either policy for power, heating or cooling failure unless it results from direct physical loss to the power, heating or cooling equipment at the location. There are no ensuing loss provisions. Ordinance or law coverage applies only to ordinances or laws that relate to state or local floodplain management laws or ordinances, such as elevating or floodproofing a building. There is no coverage in the NFIP forms. If you're using a different form, I'd need to see the policy