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The course “HVAC Systems and Loss Evaluation” is designed to enhance the
student’s knowledge, understanding, and professional competence in the handling
and loss evaluation of claims involving damages to different types of HVAC
systems. The module is presented by Ralph J. Ricci, a Commercial Claim Consultant
with the commercial HVAC, well pump and commercial electronics consulting
company, Commercial Insurance Services, and E. Richard (“Gene”) Simon, Property
Claim Manager for Church Mutual Insurance Company.

The presenters begin by
providing a historical overview of the development of air conditioning systems.
Next, the presenters discuss the two main laws of thermodynamics and how those
laws apply to air conditioning. The presenters then explain how air conditioning
systems operate, including the three main components of an air conditioning
system, the cyclical process involved in producing air conditioning and how some
HVAC systems use refrigerants to produce cooled air. The presenters also review
the different types of HVAC systems, such as conventional split system air
conditioners, mini split systems, heat pumps, roof top units and chillers, and
the typical installation process for split systems. Finally, the presenters
discuss specific claims handling and loss evaluation issues involving hail
damage, theft and vandalism damage and lightning and power surge damages to HVAC
systems.

After completing the course, the viewer should be able to
describe the two laws of thermodynamics and how those laws apply to air
conditioning; list the common types of residential and light industrial HVAC
systems; identify the main three components of a HVAC system and explain the
functions of each component; explain what a thermostat does; define what tonnage
means in HVAC applications; list the typical seven step process involved in the
installation of a split system; explain how hail can damage a condenser unit and
describe possible repair and replacement options; describe why thieves are
stealing copper from HVAC units and what components are normally stolen; list the
two types of refrigerants commonly used in HVAC systems; identify the four types
of lightning strikes and distinguish between damage caused by each type of
strike; explain what a blackout is and how it can impact the operation of an HVAC
system; list the four common causes of compressor failure in an HVAC system; and,
discuss what HVAC technicians are trained or not trained in and how that can
impact a loss evaluation.

The course is designed for insurance
professionals and vendors working in the area of property coverage and
litigation.

What CE Credit is available?

Note: To qualify for credit, you must submit completion (including a passed final exam if required) within five days of completing the last quiz. No partial credits will be awarded.

State:
Adjuster General
CE Hours:
Adjuster Ethics
CE Hours:
Attorney General
CLE Hours:
State's Course ID:
NH 2.0 482645
TX (classroom equivalent) 2.0 100553
NC 2.0 204010
FL * ( Provider Number: 364169 ) 2.0 - Adjuster Optional 1198949
IL 2.0 489952
WY 2.0 28034
OK 2.0 1028733

* This course has been approved by the Florida Department of Financial Services for insurance continuing education credit.

Course Content

Lesson Content

1) Introduction and topic outline (0:00 – 3:11)
&nbsp&nbsp&nbspa) Thermodynamics and HVAC systems
&nbsp&nbsp&nbspb) Basic components of an air conditioner
&nbsp&nbsp&nbspc) How an air conditioner operates and what a typical installation looks like
&nbsp&nbsp&nbspd) How hail damage affects a unit’s performance and potential repair options
&nbsp&nbsp&nbspe) Theft or vandalism damage and how and if it can be repaired
&nbsp&nbsp&nbspf) Diagnosis of lightning and power surge damage
2) The early development of air conditioning (3:11 – 4:50)
3) Thermodynamics (4:50 – 7:44)
&nbsp&nbsp&nbspa) Definition of thermodynamics
&nbsp&nbsp&nbspb) The first two laws of thermodynamics
&nbsp&nbsp&nbspc) How compression produces heat
4) Foundational explanation of how an HVAC system works (7:44 – 10:04)
5) Identification of some basic HVAC systems (10:04 – 12:39)
&nbsp&nbsp&nbspa) Conventional split system air conditioners
&nbsp&nbsp&nbspb) Mini-split systems
&nbsp&nbsp&nbspc) Swamp coolers
&nbsp&nbsp&nbspd) Package or Roof top units (“RTUs”)
6) Recap (12:39 – end)

Lesson Content

1) HVAC components (0:00 – 1:08)
a) Two basic components of a split system
i) Air handler
ii) Condensing unit
b) Three main components of an HVAC system
i) Compressor
ii) Condenser coil
iii) Evaporator coil
2) Air handler (1:08 – 3:32)
a) Components contained with an air handler
b) Composition and purpose of ductwork
c) Different types of heating sources contained within air handlers
3) Blower fan and the evaporator coil (3:32 – 5:08)
a) Purpose of the blower fan
b) Composition and purpose of the evaporator coil
c) Line sets
4) Condensing unit (5:08 – 8:48)
a) Placement of the condensing unit using a mounting pad
b) Components contained within the condensing unit
i) Compressor
ii) Condenser coil
5) Other components of an HVAC system (8:48 – 12:27)
a) Filter Drier
b) Metering Device
c) Thermostat
d) Capacitors
i) Run capacitor
ii) Hard start capacitor or kit
6) Recap (12:27 – end)

Lesson Content

1) Review of HVAC systems’ functionality (0:00 – 1:43)
2) Proper Sizing of HVAC equipment (1:43 – 4:45)
a) What tonnage means in HVAC applications
b) Performing a load calculation
c) Avoiding short-cycling and the under-sizing of equipment
3) Typical installations of a split system in residential and light
commercial applications (4:45 – 9:08)
a) Place the outdoor equipment
b) Place indoor equipment or air handler
c) Connect the air handler to the condenser using the line sets
d) Perform leak tests
e) Charge the system with refrigerant
f) Install the electrical components
i) Line voltage connections
ii) Low voltage connections
g) Start the system to verify that it meets all manufacturers’
specifications
4) Heat pumps (9:08 – 10:44)
a) Produce cooling as well as heat
b) Explanation of how heat pumps generally work
5) Midsized to larger commercial units (10:44 – 12:52)
a) Roof top units (RTUs)
b) Chillers – normally used for industrial and large commercial
cooling
6) Recap (12:52 – end)

Lesson Content

1) The extent of hail losses (0:00 – 1:21)
2) How hail affects the operation of an HVAC system (1:21 – 5:06)
3) A/C coil damage and potential repair options (5:06 – 12:44)
&nbsp&nbsp&nbspa) Little to no damage
&nbsp&nbsp&nbspb) Moderate to severe damage
&nbsp&nbsp&nbspc) When combing out the fins may be needed
&nbsp&nbsp&nbspd) When complete coil or unit replacement may be needed
&nbsp&nbsp&nbspe) The use of hail guards to protect the condenser coil from direct impact
4) Recap (12:44 – end)

Lesson Content

1) Copper thefts and related vandalism damages and their impact on
HVAC systems (0:00 – 1:57)
a) Value of stolen copper as a scrap metal
b) Condensing coils are made of copper, making them attractive to
thieves
2) Federal laws, treaties and regulations and how they may affect A/C
repair options (1:57 – 8:17)
a) Replacement of a R22 system
b) The Montreal Protocol and its impact on the use of R22 systems
c) Higher system efficiencies offered by R-410A refrigerant also known
as “Puron”
d) Discussion of what a SEER rating is
3) How copper thefts impact other components of the A/C system (8:17
– 12:40)
a) Line sets
b) Disconnect box
c) Flexible whip
d) Filter drier
e) Mounting pad
f) Thermostats, including the three types
4) Recap (12:40 – end)

Lesson Content

1) Definition of lightning (0:00 – 0:50)
2) The difficulties of correctly diagnosing lightning damages to HVAC systems (0:50 – 2:33)
3) Four types of lightning strikes (2:33 – 4:59)
&nbsp&nbsp&nbspa) Direct strike
&nbsp&nbsp&nbspb) Utility strike or power surge
&nbsp&nbsp&nbspc) Tree or structure strike
&nbsp&nbsp&nbspd) Ground strike
4) Brownouts and resulting damages (4:59 – 5:37)
5) IEC-61000 International Guideline (5:37 – 6:43)
6) Compressor safety devices (6:43 – 7:58)
&nbsp&nbsp&nbspa) Time Delay Relay (“TDR”)
&nbsp&nbsp&nbspb) Internal Thermal Overload Device
7) Common compressor failures and the three main reasons for misdiagnosis (7:58 – 12:20)
8) Closing remarks and references list (12:20 – 14:03)
9) Recap (14:03 – end)