California E&S Insurance

What type of air conditioning system is it? Most air conditioners are a split system, meaning that there is an outside compressor/condenser unit plus an indoor air air handler/evaporator unit that is inside the house. The two are connected by sealed pipes for the refrigerant and some electrical wiring. For the most part, once the outside unit is clean, the system should keep working indefinitely. Part of the remediation most people do includes cleaning the ducts and air handler to remove contaminants. Since they were inside the house and likely not in use during the fire (electricity was out), the indoor components are likely to be relatively clean. I highly doubt any insurance company is going to pay to replace an undamaged air conditioning system. I would keep the existing system in place and run it until it eventually dies. Why pay for it now if it works OK?

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