Derek Cole explains why HVAC warranties don't cover hurricane or flood damage. Parts and labor warranties protect against defects and bad workmanship, not acts of nature. Your homeowners insurance is where to look for those losses.
Lets say you have a 10 year parts and labor warranty and you're in year three or four or five and you have flooding and hurricane and you have water damage because of that. The circuit board went out, this part went out, the motor went out because it was underwater. The parts warranty is not going to cover that because that's an act of God, act of nature. The homeowners may cover it but just because you have a parts warranty doesn't mean it's going to take care of it. It's kind of like if you bought a brand new your car is flooded. Well, the kia with their 10 year warranty is not going to cover that flooded car with engine problems. Now okay, that's not Kia's fault. It's not a manufacturing defect. It's not going to be covered under that warranty because again it's out of their control instead of your control. We can't control the environment, nature so therefore the warranty for that period is there to cover manufacturer defects or workmanship problems. But a flood and hurricane is not one of those, so it's not going to cover it.
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