Does homeowners insurance cover air duct replacement?

Standard homeowners insurance policies generally do not cover the cost of repairing, cleaning, or replacing worn-out, damaged, or aging air ductwork. Insurance policies are strictly designed to protect property owners against sudden, accidental, and catastrophic losses caused by specific perils named in the policy, such as severe fires, lightning strikes, windstorms, or major vehicle impacts. Normal mechanical wear and tear, duct material degradation, aging flexible plastic deterioration, rodent chewing, and gradual accumulation of dust or mold inside air ducts are considered routine home maintenance responsibilities that fall entirely on the homeowner. However, if your ductwork is physically destroyed as a direct result of an insured disaster like a major house fire, coverage may apply. You can verify policy terms by reviewing your specific insurance declarations page.