How AC leaks happen
- Clogged condensate drain line. Algae and sludge build up in the PVC line, especially in warm, humid months, until water backs up into the pan.
- Rusted or cracked drain pan. Older metal pans corrode and leak even when the line is clear.
- Missing or failed float switch. A float switch shuts the system off when the pan fills. Without one, the pan overflows.
- Disconnected drain fittings in the attic or closet.
- Frozen evaporator coil. Low refrigerant or a clogged filter can freeze the coil, and the thaw can overwhelm the pan.
What the damage looks like
Where the air handler sits decides where the damage shows up:
- Attic air handler: a stain or sag in the ceiling below, often in a hallway, with wet insulation above.
- Interior closet air handler: wet carpet next to the closet, swollen baseboards, and a musty smell when the system kicks on.
- Garage unit: water across the slab and wicking into the shared wall.
- Mold on the closet walls, around the return, or inside the platform the unit sits on.
Who fixes what
The AC system itself, including the drain line, pan, float switch or coil, is repaired by a licensed HVAC contractor. We handle the water damage: drying the ceiling, closet or wall, removing wet insulation or drywall, treating and removing any mold, and making the repairs. If your HVAC contractor has already fixed the unit, we can start right away.
Slow leaks and insurance
AC leaks are often slow, and many homeowners policies exclude damage from water that leaked repeatedly over a long period. A sudden overflow is treated differently from months of drips. Our moisture readings and the condition of the materials help show what happened and when. See insurance claims assistance.
Prevention that works in Florida
- Have the condensate line cleared as part of regular AC service, and ask your technician about flushing it periodically.
- Make sure there's a working float switch on the pan or drain line.
- Change filters on schedule so the coil doesn't freeze.
- Look at the drain pan once in a while. Standing water or rust means it's time for service.
AC & HVAC Condensation Leak Damage: common questions
Is water from an AC leak dirty?
Condensate starts relatively clean, but it picks up whatever is growing in the drain pan and line. After it sits in carpet or insulation, we treat it as gray water and clean accordingly.
Should I turn off my AC if it's leaking?
Yes, turn it off at the thermostat to stop more water, then call your HVAC contractor. The house will get humid, which is one reason professional dehumidifiers matter during drying.
Does insurance cover AC leak damage?
A sudden overflow may be covered. Damage from a slow leak that went on for a long time is often excluded. Your adjuster decides; we document the evidence.
AC & HVAC Condensation Leak Damage near you
We provide ac & hvac condensation leak damage in all 29 Florida metro areas we serve: