Q: My outside air conditioning unit caught on fire & was put out by the fire department. No one knows what caused it.
My home insurance will cover it less my deductible. In the mean time the manufacturer has agreed to replace it if I sign a release. Can I accept both offers legally?
A: If the manufacturer agrees to replace it, then it would seem there is no longer a loss for insurance to cover. If you choose the insurance company's payment, you have the deductible to consider. Insurance carriers will offset their payments, or choose not to issue payment, if a loss is already covered by another source. If you have reservations about the terms of the release, you could consult with a Florida attorney.
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