What to Do If You Think Your HVAC Was Damaged by a Storm in St. Louis

If you suspect your HVAC system was damaged by a storm, immediately turn it off for safety, document all visible damage with photos, and schedule an inspection and repair by a qualified professional.

Whether you live in St. Louis or Nashville, following these steps will help you stay safe, simplify insurance claims, and restore your heating and cooling system quickly.

 

Immediate Safety Steps

 

Before touching any equipment after a storm, make sure you protect yourself and your home.

• Turn off the power at the breaker panel. Locate the circuit breaker labeled “HVAC” or “Air Conditioner” and switch it to OFF. This prevents shocks and further damage.
• Shut off the thermostat. If you still have power, set the thermostat to OFF to stop the indoor unit from running.
• Stay clear of standing water. If water is pooling around your furnace or outdoor unit, do not approach until the area is dry and safe.

 

Assess Visible Damage

 

A basic look-over can reveal obvious problems you’ll need to document and share with your technician or insurance adjuster.

• Outdoor Unit (Condenser): Check for bent fins (thin metal strips on the side), debris such as fallen branches, and any cracks in the housing. Bent fins reduce airflow and efficiency.
• Indoor Unit (Evaporator or Furnace): Look for water stains on nearby walls or ceilings, rust spots, or displaced panels. Water intrusion can harm electrical components and lead to mold.
• Ductwork: Inspect exposed duct joints for tears or punctures. Strong winds or debris can rip flexible duct material, leading to air leaks.
• Electrical Wiring: If any wires look loose, frayed, or burned, note their location. Damaged wiring is a fire hazard and must be fixed by a licensed electrician.

 

Document the Damage Thoroughly

 

Insurance companies require clear evidence. Proper documentation speeds up your claim.

• Take clear photos from various angles. Focus on crushed fins, broken panels, water pooling, or bent refrigerant lines.
• Record video. Narrate what you’re showing, describing the location and type of damage.
• Keep a written log. Note the date and time you first noticed damage, weather details, and any sounds (e.g., grinding or hissing).

 

Check System Function (Only When Safe)

 

If you’re sure there’s no water around the power source, you can test basic operation.

• Turn the breaker and thermostat back on briefly. Watch for unusual noises like grinding, hissing, or rattling.
• Feel for airflow from vents. Weak or uneven airflow can mean a damaged blower fan or clogged filter (replace if dirty).
• Smell for electrical burning. A burning odor indicates an electrical fault—turn off power immediately and call a professional.

 

Notify Your Insurance Company

 

Most homeowner policies cover storm damage to HVAC equipment. Prompt notification is crucial.

• Contact your insurance provider as soon as possible. Some policies have strict reporting deadlines.
• Submit your photos, videos, and written log. The more detail you provide, the smoother the claim.
• Ask about coverage specifics. Confirm if they cover full replacement, repairs, or only parts and labor.

 

Call a Licensed HVAC Technician

 

A professional inspection ensures safe, proper repairs.

• Look for technicians licensed in electrical and refrigerant handling (EPA certification for refrigerants).
• Share your documentation. Let them see your photos, videos, and notes before they arrive.
• Request a detailed estimate. A clear breakdown of parts, labor, and any needed permits will help you compare costs.

 

Temporary Protection and Cleanup

 

While waiting for repairs, protect your system from further harm.

• Cover the outdoor unit with a breathable HVAC cover or tarp. Do not seal it airtight—moisture can get trapped.
• Clear debris around the unit. Remove leaves, branches, or trash that could block airflow.
• Change the air filter. A clean filter helps your indoor unit run until full repairs are done.

 

Tips to Prevent Future Storm Damage

 

Taking steps now can reduce risk in the next storm.

• Secure loose items in your yard. Patio furniture, grills, and garden tools become dangerous projectiles in high winds.
• Prune trees and shrubs. Keep branches trimmed at least two feet away from your outdoor unit to avoid impact.
• Install a protective cover. A commercial-grade cage or hurricane shutter shields the condenser from flying debris.
• Schedule a pre-storm tune-up. Have a technician check refrigerant levels, electrical connections, and overall system health annually.

By following these steps, you’ll protect your family, streamline insurance claims, and restore your HVAC quickly and safely. If you need expert help, Hoffman Brothers—serving both St. Louis and Nashville—offers full-service residential and commercial HVAC repair and maintenance.