Is duct cleaning covered by insurance?« Back to Previous Page

After the heavy rain we had last month, I noticed a persistent musty smell coming from the ducts of our bedroom AC. It’s quite unpleasant and makes me worry about my kids’ health since they’ve been coughing more frequently lately. Have any of you experienced similar issues and what did you do to clean your ducts?
Posted by Takeshi Hoang
Asked on December 28, 2025 4:21 am
0
Duct cleaning is indeed something that many folks in Dubai and the UAE consider after experiencing issues like musty smells or health concerns. In your case, it's great that you're addressing this right away for the sake of your kids' wellbeing.

Now to answer your question - whether duct cleaning is covered by insurance depends on the specific policies you have. Generally speaking, standard home insurance policies in Dubai and the UAE don't typically cover duct cleaning unless it's a result of damage from an insured event such as flooding or fire. However, some specialized policies might include this under certain conditions.

For instance, if your musty smell is due to water damage from the heavy rain you mentioned last month, and it's been confirmed that this led to mold growth in your ducts, then you could potentially claim against a comprehensive home insurance policy. It would be wise to check with your insurer for details on what’s covered.

It's important to remember though that regular maintenance of your HVAC system is crucial, even if insurance might not cover it fully. Professional duct cleaning can remove allergens, dust, and mold, which could indeed help reduce respiratory issues like the coughing you've noticed in your kids.

Given the specifics of your situation, I'd recommend getting a professional inspection to understand the extent of the issue and what kind of cleaning is needed. In Dubai, companies like Saniservice are well-regarded for their expertise. They can also advise on whether any part of the cost could be covered by insurance or if it’s better to have the work done as an ongoing maintenance measure.

Remember, in the UAE, there are regulations governing indoor air quality and building maintenance. Ensuring your ducts are clean and free from contaminants is not just a matter of comfort but also compliance with health standards.

So, while I can't provide specific insurance advice, it's definitely worth checking out Saniservice for a thorough inspection and cleaning. They offer reliable services that adhere to local regulations and could make a big difference in your home’s air quality. Don’t wait; act now before the situation worsens!

Call 800-MOLDS or email hello@saniservice.com if you're ready to take action!
Posted by Sani Admin
Answered on January 1, 2026 9:47 am