A median of $211,500 in some of the hottest country in the United States. A great many of these houses carry a cooling unit on the roof, with a water supply running up to it.
A roof-mounted cooler is a water line above your ceiling. When it fails, everything below it is in the way.
Three things about cooling equipment above your head.
An evaporative cooler needs a constant water feed, and that line runs up the wall and across the roof. A failed float valve or a split supply line discharges into the roof structure and then into the rooms below. It is the most characteristic water loss in this part of the state and it happens while nobody is looking at the roof.
A line that bursts is generally a covered loss. A unit that has been weeping into the roof for a season is gradual damage and is excluded. The difference is how long it ran, which means the homeowner who checks the unit occasionally is also the homeowner with a payable claim.
Coolers are drained and restarted every year, and the restart is when a perished line or a stuck valve announces itself. Being present for the first run of the season is worth more than any endorsement.
The cooling system as a water risk.
A ground unit fails into the yard. A roof unit fails into the house.
Both perish in this heat and both are inexpensive to replace.
An unattended leak is the one that becomes a gradual-damage argument.
Tell us whether the cooling unit is on the roof and how old the supply line is.
We treat the cooler as plumbing, because above a ceiling that is what it is.
Request a quote