My AC unit was damaged by landscapers. Can I use both my homeowners insurance and the workers liability insurance to cover the damages?

UPDATED: Jun 20, 2013

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UPDATED: Jun 20, 2013Fact Checked

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 20, 2013

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

UPDATED: Jun 20, 2013

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

UPDATED: Jun 20, 2013Fact Checked

If your air conditioning unit was damaged by your landscaping company, they should be the first you should contact for repairs to the unit.If you submit a claim on your homeowner policy, the deductible will apply. If your insurance company chooses to subrogate against the landscaper, then you could receive your deductible back. However, if they do not subrogate, or are unsuccessful, then you will be out the deductible, and will have a claim against your homeowner policy.Talk to the landscaper and see if they will accept liability for the damage. If so, then go through their insurance company. They should pay for the full cost to repair the air conditioning unit.Do not presume that you can collect from both the landscaper and your insurance company. Again, if you get the landscaper to pay, and then your insurance company pays, they can subrogate and then both parties will know that you have filed multiple claims. This could jeopardize your homeowner insurance as they will consider this fraud.

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

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