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Your HVAC system is the heartbeat of home comfort, and ductwork is its circulatory system. But when something goes wrong with your air ducts, you might wonder: Is ductwork covered by a home warranty, or should you turn to homeowners’ insurance instead?
Let’s break down what’s typically covered and how to ensure your ducts stay in good shape.
What Is Ductwork and Why Does It Matter?
Ductwork refers to the system of metal or flexible tubes that deliver heated or cooled air throughout your home. Over time, ducts can suffer from leaks, poor insulation, blockages, or even physical damage.
Common Duct Issues:
- Air leaks or gaps
- Mold or mildew buildup
- Loose or disconnected ducts
- Improper installation
- Rodent or insect damage
Problems in your ductwork can reduce HVAC efficiency, raise utility bills, and affect air quality.
Does a Home Warranty Cover Ductwork?
Yes—many home warranty plans, including those from Liberty Home Guard, do cover ductwork. This typically includes repairs to accessible ductwork connected to your central heating and cooling systems.
What’s Usually Covered:
- Leaks and breaks in accessible ducts
- Collapsed or disconnected ducts
- Repair or sealing of damaged ductwork
- Thermostat or airflow delivery issues related to duct problems
What’s Typically Not Covered:
- Ductwork not connected to a covered HVAC system
- Ductwork in inaccessible or underground areas
- Mold remediation or pest removal
- Improper installation or code violations
Always check your specific home warranty contract for details.
Does Homeowners Insurance Cover Ductwork?
Homeowners’ insurance generally does not cover ductwork issues due to wear and tear, age, or maintenance neglect. It only covers damage caused by sudden, accidental events like a fire, storm, or vandalism.
Example:
- Covered by insurance Ducts damaged in a house fire
- Not covered Ducts leaking due to poor seals or corrosion
Comparing Warranty vs. Insurance Coverage
Feature | Home Warranty | Homeowners Insurance |
|---|---|---|
Routine duct repairs | ✅ Often covered | ❌ Not covered |
Catastrophic damage (fire) | ❌ Not covered | ✅ Often covered |
Duct replacement | ✅ If related to a covered system | ❌ Unless the event is sudden/accidental |
Mold, pests, and improper installation | ❌ Not covered | ❌ Not covered |
How Liberty Home Guard Helps
With Liberty Home Guard, our home warranty plans often include ductwork coverage under HVAC protection. We offer:
- Fast access to qualified repair technicians
- Covered diagnostics and repairs for eligible issues
- Optional add-ons for extended coverage
Tips to Maintain Healthy Ductwork
- Have ducts professionally inspected every 2–3 years
- Seal visible leaks with mastic or foil tape
- Clean or replace air filters regularly
- Avoid blocking vents or airflow paths
Final Thoughts
If your ductwork fails, a home warranty can save you hundreds—or even thousands—of dollars in repairs. While homeowners’ insurance won’t cover routine duct issues, a warranty bridges the gap and keeps your HVAC system running efficiently.
Want peace of mind for your HVAC system and ducts? Contact Liberty Home Guard today to learn how our home warranty plans protect your home’s vital air systems.
