Does insurance cover damages from heating & air unit in ceiling, and mold from the air ducts?

Standard homeowners insurance policies will provide coverage for accidental or sudden damage to heating and air conditioning units caused by covered perils, such as fire, lightning, or windstorm. However, damage caused by wear and tear or lack of maintenance is typically not covered by insurance. Mold damage is also a complex issue when it comes to insurance coverage. Many insurance policies have exclusions for mold or fungi damage, particularly if it is caused by long-term water damage or neglect. However, some policies may provide limited coverage for mold damage caused by covered perils, such as water damage from a burst pipe. It is important to carefully review your insurance policy and speak with your insurance agent to understand the specific coverage and exclusions related to your heating and air unit and mold damage. You may also need to have an independent inspection of your home to determine the cause of the damage and whether it is covered under your policy. If the damage is covered, you will need to file a claim with your insurance company and provide documentation of the damage, such as photos and repair estimates. Your insurance company may send an adjuster to assess the damage and determine the amount of compensation you are entitled to. Overall, it is important to regularly maintain your heating and air unit and address any water damage or mold issues as soon as possible to avoid potential coverage issues and ensure that your home remains safe and habitable.