When a structure is damaged, whether by a natural catastrophe, such as a tornado or hurricane, or a catastrophic event, such as a fire or explosion, HVAC (heating, ventilation and air conditioning) systems are often among the components that are damaged.

These systems are the subject of thousands of property and casualty insurance claims each year, with significant variations in reported versus actual damage, according to the 2015 Annual Claims Report, issued Feb. 17 by HVAC Investigators.

The 2015 report includes data for both onsite inspections and desktop reviews of residential, commercial and large loss claims. The report includes data from claims across all 50 states, for all major perils and for all major equipment types and manufacturers.

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Rosalie Donlon

Rosalie Donlon is the editor in chief of ALM's insurance and tax publications, including NU Property & Casualty magazine and NU PropertyCasualty360.com. You can contact her at [email protected].