Only when a covered event causes it. Wear, age, and mechanical failure are maintenance and are not covered anywhere. Lightning strikes and power surge damage from a storm event, and fire or storm damage to equipment, are the covered kind, subject to your deductible, and they need documentation: the storm date, the surge evidence, and a technician's finding that ties the failure to the event. A compressor that dies of age in the same week as a storm is still age unless the electrical evidence says otherwise, which is why the diagnosis report matters.
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