Installation

  • The most efficient air conditioners integrate with your property’s central heating and cooling system, such as heat pumps or central air conditioners. Installing these can be more expensive, but are safer, as a licensed professional is required.
  • Window-based and portable units are other alternatives, especially if you want to cool only a room or two within the home. Though cheaper upfront, they may be less energy efficient. Look for an ENERGY STAR-certified model to reduce utility costs.
  • Ensure all manufacturer recommendations are followed during self-installation:
    • Free-Standing Units
      • Portable air conditioners are known to be heavy. Make sure your unit’s exhaust hose can reach the window without needing a stand.
      • If a unit is not properly vented with airtight sealing, it will not work efficiently. The exhaust hose should be straight, short and without kinks.
      • Avoid the use of an extension cord or power strip. These often overheat, creating a fire hazard.
    • Window-Based Units
      • Make sure the unit properly fits the shape of the window. If an external support bracket is required, do not exceed the recommended weight. Follow your building’s bylaws and rules regarding window air conditioner installation.

Usage

  • Do a visual check each time the air conditioner is turned on and ask yourself the following:
    • Is there an unusual odor?
    • Is the air conditioner overheating?
    • Are there any combustible materials near the air conditioner?
    • If the air conditioner collects water into an internal tank, does it need to be emptied?
    • Are the power cords in good working condition?
  • Catch any operating irregularities before they can cause damage.

Maintenance

  • Like a furnace or boiler, central air conditioning systems should receive annual performance testing and maintenance by a contractor. Room air conditioners require annual filter cleaning, draining any water, removing dust and debris from visible coils, inspecting the connecting wires and keeping the exterior clean.
  • Filters should be cleaned regularly during times of use. Aim for every 6 to 8 weeks.
  • The average lifespan for built-in air conditioning systems is 15+ years, while the average lifespan for portable or window ledge units is 5+ years, depending on the air conditioning unit.

Your insurance policy is here to help. However, if air conditioner maintenance is lacking or it has exceeded its expected lifespan and a loss occurs, coverage may be excluded.