Will insurance replace my dated a/c next to r22 or will they replace the undamaged element? It be hit by lightning.?
Answers: Insurance companies owe your for what's damaged. If your frail unit cannot be repaired or if it can't be repaired economically later they will replace it. That being said if r22 is disqualified or illegal immediately then the insurance company cannot reasonably pay to own it put into your home. Normally lightning will damage the exterior section but not the a coil. If your present a coil is not compatible with the coolant currently allowed next they should pay for the a coil too as most policies hold a provision for code upgrade.
back when cars be switching over from R12 to R134A, my insurance company issued a release that said as part of a covered claim, it would clear for conversion to the new coolant. It probably depends on your insurance company and the law in your nouns surrounding environmental impacts and phase-out of refrigerants.