Information Release



Contact:   Hugh Strawn




Date:   July 30, 2015  


HVAC Systems and Loss Evaluation

PLRB Distance Learning Module


A property claims adjuster will eventually adjust a claim for a covered loss to a heating, ventilation, and air conditioning (HVAC)system.  The latest PLRB Distance Learning Module, "HVAC Systems and Loss Evaluation,” will help adjusters understand how these complex systems function when evaluating issues such as hail damage, lighting, or power surges that can lead to a loss.  



The module, which is the 60th adjuster continuing education approved distance learning module produced by the PLRB, is designed to enhance the student's knowledge, understanding, and professional competence in the handling and loss evaluation of claims involving damages to different types of HVAC systems. 


The presenters are Gene Simon, Property Claims Manager with Church Mutual Insurance Company, and R. J. Ricci, an HVAC consultant with CIS, Commercial Insurance Services. 


They begin by providing a historical overview of the development of air conditioning systems.  Next, the presenters discuss the two main laws of  thermodynamics and how those laws apply to air conditioning.  They explain how air conditioning systems operate, including the three main components of an air conditioning system, the cyclical process involved in producing air conditioning, and how some HVAC systems use refrigerants to produce cooled air.  Simon and Ricci also the different types of HVAC systems, such as conventional split system air conditioners, mini split systems, split systems, roof top units and chillers, and the typical installation process for split systems.  Finally, the presenters discuss specific claims handling and loss evaluation issues involving hail damage, theft and vandalism damage, as well as lightning and power surge damages to HVAC systems.


After completing the course, the student will be able to:


  describe two laws of thermodynamics and how those laws apply to air conditioning;

  list the common types of residential and light industrial HVAC systems;

  identify the three main components of an HVAC system and explain the  functions of each component;

  explain what a thermostat does;

  define what tonnage means in HVAC applications;

  list the typical seven step process involved in the installation of a split system;

  explain how hail can damage a condenser unit and describe possible repair and replacement options;

  describe why thieves are stealing copper from HVAC units and what components are usually stolen;

  list the two types of refrigerants commonly used in HVAC systems;

  identify the four types of lightning strikes and distinguish between damaged caused by each type of strike;

  explain what a blackout is and how it can impact the operation of an HVAC system; and

  discuss what HVAC technicians are trained or not trained in, and how that can impact a loss evaluation.


No Charge to Take Module


"HVAC Systems and Loss Evaluation" is available free of charge to employees of PLRB member insurance companies and affiliate member claims service providers.  Also there is no charge to registrants for the CE fees charged by the accrediting states.


The module has been approved for adjuster CE in California, Florida, Louisiana, New Hampshire, North Carolina, Oklahoma, Texas, and Wyoming.  It has also received credit from CPCU and RPA.  In Florida and Illinois, it is approved for Attorney General CLE credit. 


The Property & Liability Resource Bureau is a not-for-profit association of property and casualty insurance companies.  It is located in Downers Grove, Illinois.