Does a home warranty cover ductwork?

Check ductwork coverage to avoid costly surprises later.

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portion of ductwork in timber frame of a house

It can cost $3,500 on average to replace your home’s ductwork. Even if just a small section needs replacing, it can still cost you $270 and $500 per air duct. Luckily, most home warranties cover ductwork. Getting a claim approved can be tricky, though.

Key insights

Home warranty companies usually cover ductwork.

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There may be limitations and exclusions that can get your claim denied.

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What’s covered varies from company to company.

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What ductwork services does a home warranty cover?

Your home warranty will likely cover repairing or replacing your damaged ductwork, including parts and labor. Home warranties typically cover ductwork as an HVAC repair, which makes sense since ductwork is the largest part of an HVAC system. It carries the warm or cool air from the system to the rest of the house.

Here are some signs that your air ducts might need attention:

  • You hear unusual noises when air flows through the ducts.
  • Your electricity bill has spiked.
  • Your house isn't heating or cooling as efficiently as before.
  • You've noticed a decline in the air quality at home.
  • You smell a strange odor coming from the air ducts.
  • There's an increase in dust settling on your furniture.

If you're experiencing any of these, it might be time to clean your ducts or file a claim with your home warranty company.

Potential exclusions to ductwork home warranty coverage

Take a peek at your home warranty contract to understand your ductwork coverage. Most home warranty companies have rules that could lead to your ductwork claim getting denied. Here are a few things to keep in mind:

  • Damage from acts of nature, like a crazy storm, might not be covered.
  • Your claim may get denied if the damage isn't from regular wear and tear.
  • Unauthorized do-it-yourself repairs could prevent your ductwork from getting coverage.
  • If your ductwork is still under warranty from the manufacturer or installer, you might need to go through it for repairs.
  • Your plan might not cover improper installation or cosmetic damage.
  • Existing issues are usually not eligible for coverage.

Also, your plan could have a coverage cap for ductwork. That means the home warranty company will cover repairs up to a certain amount, and then you'll need to cover the rest.

What to do if your home warranty doesn’t cover ductwork

If your home warranty doesn't cover ductwork, all is not lost. There are some steps you can take to tackle any duct-related issues.

First, check the manufacturer's warranty to see if your ductwork is still covered. If it is, contact the manufacturer to explore repair or replacement options.

Second, check your homeowners insurance policy to see if it covers ductwork for certain types of damage, like fire or vandalism. You might be able to file a claim and get some help from your insurance provider.

Third, explore additional coverage. Take a look at other home warranty providers, or consider adding extra coverage to your existing plan. Just make sure to compare costs, coverage limits and reviews before making any decisions.

Quick and easy. Find a home warranty partner now.

    FAQ

    What does a home typically warranty cover?

    Home warranties usually cover large appliances, built-in microwaves, water heaters and systems like HVACs, plumbing, ductwork, pool heaters and well pumps. Some plans also cover additional items like pest control, septic systems, central vacuums, sump pumps and more.

    Is ductwork part of an HVAC system?

    Yes, it’s the part of your HVAC system that carries warm or cool air throughout your home.

    Is it worth it to replace ductwork?

    Yes, damaged or leaky ductwork can cost you hundreds of dollars yearly in heating and cooling bills.

    Bottom line

    Home warranties often include coverage for ductwork as part of HVAC coverage to keep your home’s heating and cooling running smoothly. However, coverage can vary depending on the terms of your contract and the provider you choose. Just be sure to check your agreement for all the details, and if you have any questions, contact your home warranty company.


    Article sources

    ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:

    1. U.S. Department of Energy, “Minimizing Energy Losses in Ducts.” Accessed March 12, 2024.
    2. Angi, “How Much Does Air Duct Replacement Cost?” Accessed March 12, 2024.
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