Somehow, I think the repair technicians are gaming the insurance program. I can’t understand how they don’t fully fix the problem the first time and the AC stops working within days. Ultimately they bill the insurance company for several repairs to the cost that could have been used to replace the entire unit. Eventually the AC unit gets replaced anyway. The repair technician gets paid multiple times.

They have no incentive to actually fix the AC. When many attempts to fix the unit fail the unit gets replaced with a new one. The homeowner is elated that they actually got a new AC unit and somehow that makes all their trouble worth it. The cost eventually gets paid by the homeowner in high insurance premiums. It is these people that have additional hotel costs while waiting for a technician or parts to show up. I don’t see the value in that.

The better deal by far is to have money saved to cover repair cost of repair or replacement. Also basic troubleshooting and easy fixes can be found on YouTube and Google. Most of the time the problem is a easy-to-replace $10 part. The technician will charge $200 for a visit alone. Then they will charge you a premium for the part when they get it at wholesale price.