Warning: HVAC insurance claims can screw you on coil replacements

I've been doing HVAC installs in the Chicago area my whole career, and let me tell ya, don't skimp on your liability coverage for refrigerant work. Last month I had a Trane coil leak on a service call that turned into a full system flush, and the homeowner's insurance dragged their feet for weeks before paying out anything. Turns out my policy didn't fully cover the R-410a recovery fees, left me out $800 after the fact. PSA: review your workers comp and GL riders every year, especially if you're touching high-pressure lines like in zone 5 winters. I saw a video from HVAC School on this exact issue, Bryan Orr broke it down perfectly. Shoulda upgraded to that umbrella policy sooner, now I'm eating the deductible. FML.