Protect Yourself Against AC Unit
Units have been a target of many thieves for a few
years now, with scrap metal prices spiking upward
the last few years. As insurance agents,
we've seen a trickle of these claims for
months. Lately, however, we've seen a rash
of these types of claims. Whether it's
economy related, or another spike in scrap metal
prices, or even some organized criminals just working an area, we
thought it warranted a word of caution.
Unit theft isn't a particularly large claim,
money-wise (depending on your unit), compared to
other perils your business or home faces.
But if you turn it in, it is a claim against
your insurance nonetheless, affecting your future
rate. Not to mention that this is
a bad time of year to be without air conditioning,
so you could be looking at downtime for your
business if you're without AC.
is a picture of a couple of AC
|A well-protected unit will
building has two AC units. They're fenced
in, the gate is locked, and note the light above
them. These folks have done about as much as
possible to make their units difficult to
steal. If a thief wants them bad enough,
he'll find a way to get them, but he's going to
have to work for them. With only $60-$75
worth of copper in these two units combined, the
thief will probably move on to another air
conditioner, one that's less protected.
on your space and your budget, erecting a fence
around your air conditioner(s), may not be
feasible. But it's probably not too
expensive to install a light fixture near them to
ensure the area is well lit. Some companies
are also offering customized, heavy-duty cages to
install around your units.
your units are in an area that can be secured at
night, and you're not in the habit of locking them
up, by all means, get in the habit. Stress
to your employees that the gates are to be closed
and locked at night.
will take the path of least resistance to get what
they're looking for. Do what you can to add
some level of deterrence. And if you've been
victimized before and haven't adjusted to prevent
thieves from coming back, you're begging to be
made a repeat victim.