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Fire & Ice HVAC Solutions: Payment & Financing Options

Are you preparing to purchase new HVAC equipment? Let’s break down the payment and financing options that Fire & Ice offers. We’ll also discuss tax credits and rebates, home warranties and insurance, and industry best practices.

Fire & Ice HVAC Solutions: Payment & Financing Options

7 Minute read

Fire & Ice Team

Revised:

April 5th, 2022

Whether you’re replacing an old system or researching your options, chances are that you don’t really want to pay for a new HVAC system.

HVAC systems aren’t cheap. And even though some HVAC equipment can last 20 years or more, you have to negotiate payment or financing every time you replace it.

As an HVAC contractor with decades of industry experience, we’ve helped thousands of Columbus residents find HVAC systems that meet their needs and budget.

We believe in transparency in every aspect of our business, so we created this guide to help you understand our financing and payment options.

A quick note: This article focuses on specific payment options available at Fire & Ice. If you’re interested in personalizing your HVAC system with Fire & Ice, please read on. If you’re still researching HVAC contractors and equipment, we have other articles that can help:

·   HVAC Financing: A Complete Buyer’s Guide

·   Cost of an Air Conditioner Replacement, a Complete Breakdown  

·   How Much Does a New Furnace Replacement Cost?  

·  How Much Does a Heat Pump Cost to Replace?  

·  Ductless Mini-Splits: A Comprehensive Cost Breakdown

3 Ways to Purchase Your Fire & Ice HVAC Solution

At Fire & Ice, we offer multiple payment and financing options to fit your needs.

In this section, we’ll break down our three primary payment and financing options, including:

1. Purchase Your Fire & Ice HVAC Solution in Full

2. Financing for Fire & Ice HVAC Solutions

3. Purchase Your Fire & Ice HVAC Solution with Bitcoin

Purchase Your Fire & Ice HVAC Solution in Full

If you’re ready to pay for your new HVAC system in full, we accept a few payment options:

·   Cash

·   Check, including ACH digital checks

·   All major credit and debit cards

·   Microf

Financing for Fire & Ice HVAC Solutions

Sometimes it isn’t possible to pay for your system in full. If paying in installments better suits your budget, we offer a few financing options.

Some of our financing options include:

·   0% interest for up to 72 months on qualifying equipment

·   No interest if paid in full within 6 and up to 18 months

·   Lower monthly payments with interest

How to Apply for Financing for a Fire & Ice HVAC Solution

Once you’re ready to apply for financing, access our financing page any time and submit your application to see if you pre-qualify.

If possible, we recommend pre-qualifying ahead of your free in-home estimate. It’s a win-win—you’ll have a better idea of how much you’ll be able to finance, we’ll have a more productive conversation during your estimate, and we’ll be able to expedite the process.

But don’t worry: even if you pre-qualify, you’re not obligated to purchase a system from Fire & Ice. And our residential sales representatives will never pressure you.

If you’re not approved for one of our standard financing options, ask one of our residential sales specialists about our additional financing options.

What Information Will You Need to Apply for Financing?

During the application process you will need to provide some basic information such as:

·   how long have you lived in your current home

·   how long have you worked at your current job

·   your household income

·   personal information like your social security number or individual taxpayer identification number

·   an email address

If you have any questions, we’re here to help. Give our office a call, or send us a message on our website.

Purchase Your Fire & Ice HVAC Solution with Bitcoin

You read that right—Fire & Ice is one of the only HVAC contractors that accepts Bitcoin!

Although it may sound a bit gimmicky, we believe in meeting our customers where they are now and where they’ll be in the future. And as cryptocurrency portfolios rival or surpass traditional savings and investments in some cases, we’re advising other contractors do the same.

To pay for your new HVAC system with Bitcoin, you’ll first need to download the BitPay mobile app. You can learn more about paying for your system with Bitcoin in our Bitcoin FAQ.

What Do Home Warranties & Insurance Cover for Your New HVAC System?

Both home warranties and home insurance policies can cover portions of a repair or replacement for your HVAC system. However, it’s usually not an easy process.

Although there are typically other conditions, the final amount you receive typically depends on the diagnosis of the problem. Once your HVAC contract provides an estimate for the repair or replacement, the decision is up to your insurance company.

Ultimately, your insurance company determines the amount you receive. In many cases, the amount may not cover the total cost of the repair or replacement. Some homeowners don’t qualify for claim payouts.

If you do receive a payout, your home insurance or warranty may only cover the cost of the equipment. In that situation, you’d be responsible for the cost of labor and permits.

Before moving forward with the repair or replacement, make sure that your HVAC contractor includes an estimate for any potential hidden costs.

Does Your System Qualify for Tax Credits or Rebates?

The short answer: If your furnace, air conditioner or heat pump is a high-efficiency model, your system may qualify for a tax credit and/or rebate.

The Energy Star program, established by the Environmental Protection Agency in 1992, helps dictate whether HVAC equipment is high efficiency. Energy Star also helps determine efficiency requirements for tax credits.

According to Energy Star, equipment must meet or exceed the following standards to be eligible for tax credits:

·   Air conditioners—16 SEER

·   Gas furnaces—95 AFUE

·   Heat pumps—15 SEER and 8.5 HSPF

If these acronyms seem like alphabet soup, don’t worry. You can learn more about efficiency ratings in our article on SEER, AFUE and HSPF.

In addition to these tax credits, your natural gas provider may also offer rebates for furnaces that meet their efficiency requirements.

Tax credits and rebates can fluctuate throughout the year. Even if your system meets the guidelines above, there’s no guarantee that tax credits or rebates will be available. We recommend doing your research to ensure you access any available tax credits and rebates.

To check for current rebates and tax credits—no matter where you live—visit Energy Star’s Rebate Finder. We also suggest talking with your tax professional or certified public accountant (CPA) to find all eligible tax rebates that apply to you.

Does Fire & Ice Offer Discounts?

Fire & Ice consistently offers several discounts and other incentives, including:

·   Military and veteran discount

·   3% off when you pay in full by cash or check

·   Upgraded Aprilaire Media Filters for full-system installation

We also offer seasonal promotions and deals. Visit our promotions page to check out the latest offers.

Contact your residential sales professional for more information on the terms and conditions for these discounts and incentives.

The Fire & Ice Difference

We’re often the first to admit it—Fire & Ice isn’t the cheapest contractor in the Columbus, Ohio, area. But that’s often because we don’t believe in cutting corners.

When an HVAC contractor offers a discount on HVAC equipment, that money comes from somewhere. Unfortunately, after speaking with new customers over the decades, we’ve learned installation quality is usually the first to suffer.

At Fire & Ice, we believe in doing the job right the first time. Your HVAC system is a long-term investment in your home and your comfort. And you deserve to get the most out of your HVAC system, no matter its price tag.

Below are a few ways we make sure you get the most out of your system.

Advanced Tools & Techniques

HVAC installation demands skilled installers armed with industry best practices and proper tools and techniques.

At Fire & Ice, we require our installers to have the right tools for the job based on the latest industry standards. Although this may seem like common sense, this isn’t something that all HVAC contractors do.

Hourly Employees

Correctly installing your system relies on your HVAC installers. While the proper tools and techniques can enable installers to do the job right, other factors can also affect your system’s installation.

One factor can be how your HVAC contractor pays its installers. In the HVAC industry, contractors typically pay their installers either by the hour or the job. Installers paid by the job are incentivized to finish quickly, which often shows in the quality of their work.

Fire & Ice installers are paid hourly, which helps ensure that they follow industry best practices without cutting corners.

Going the Extra Mile

Even after your HVAC system is fully installed, we stay in touch. We know getting used to a new system can take some time.

A week or two after installation, a Fire & Ice representative will conduct a Final Quality Inspection, or FQI. During the FQI, our representative will test that your equipment is still running properly and give you time to ask any questions.

Throughout the first year after installation, a representative will also schedule follow-up communications to ensure that you’re satisfied with your new equipment. And beyond that, we’ll stand by our workmanship for your equipment’s lifetime.

RELATED: HVAC Contractors: The Fire & Ice Difference

Getting the Best Bang for Your Buck

HVAC equipment, like air conditioners and furnaces, can last 15 to 20 years. And even if you don’t plan to stay in your current home long-term, your HVAC system can affect your home’s value.

The first step to getting the best bang for your buck is to choose an HVAC contractor that does right by their customer. This will show up in the installation of your system, your conversations with representatives, and even your system’s longer-term performance.

At Fire & Ice, our business is built on honesty, integrity and hard work. We’re excited to bring your personalized HVAC system to life.

If you’re still researching HVAC contractors, check out our complete buyer’s guide to HVAC financing.

If you’re ready to finance your personalized Fire & Ice HVAC solution, visit our financing page to complete your application and see if you pre-qualify.

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Chris Husmann

Fire and Ice has been wonderful to work with! Our new Furnace and AC are working like a dream. We had a number of places come out for estimates and Fire and Ice was the only one who actually went around and measured our windows and home and determined we should get a smaller furnace than what was installed before, saving us money both up front and on efficiency down the road. We were also impressed at the quality of the installation itself, as our old setup was clearly done without much care or thought. Fire and Ice took the time to move pipes and such that were just hanging from my ceiling before, move the humidifier to the proper side of the furnace, move over the ductwork that was not put in a good location, raise our electrical box outside away from the ground, and all kinds of little things to make sure our system runs right for a long time. It's been a few months and our setup runs perfectly. You get what you pay for, and I'm glad we paid for Fire and Ice!

Emily

When the 30 year old HVAC system in our house went out Fire and Ice was recommended to me. Brad, my sales representative, showed me a comprehensive list of my options, set me up with financing make a brand new system affordable, and professionally communicated throughout the entire process. The installers, Demetrius, Willard, and Tyler, were fantastic! They were very helpful and professional throughout the entire installation process and walked us through the ins and outs of the final product. The AC works like a dream just in time for the hot summer weather and we could not be happier! Fire and Ice is our go-to recommendation for anyone seeking HVAC work.

Mary Avalos-Miller

Our complete HVAC system was replaced a month ago. We experienced a flawless, informative process from sales to installation. Bryan, our sales pro, performed a detailed anaysis of our home's size, construction & features to develop an evaluation of our HVAC needs to offer the optimum sized equipment and has returned several times since the installation to insure it's proper functioning and our understanding of the entire system. The installation was performed within 3 days of our agreement - with the crew (Jon, Daniqua & Colby) getting the old system removed (furnace & A/C) and the new system installed in a matter of hours - they even modified ductwork and rerouted some lines originally installed by our builder to increase efficiency and give the system a cleaner appearance. Another great surprise was their tenacity with the cleanup - all their work areas were left totally spotless!!! Overall the best contractor performance we have experienced in 35 years of home ownership including having 2 homes built by the area's most reputable developers. The system runs great, is quiet and can now be operated through my phone from anywhere - even if just to insure it's running while at my winter haven. Thank You Fire & Ice!

Cathy Mace

Fire & Ice was great. Our sales rep, Bryan, was excellent. He was knowledgeable, professional, and didn’t pressure us to make a purchase. Due to our experience with him, we were already planning on using Fire & Ice to replace our old AC, but during the heat wave and storms, my once limping-along-AC decided 20 years was enough cooling and decided it’s job was done. My husband had initially set the meeting with Bryan, but was out of town, leaving me to pick up the sale. Bryan didn’t miss a beat when I emailed him asking to get a new AC installed ASAP. Within two days, my install techs, Demetrius P. and Willard J. were here to install. The excellent service continued. Both were amazing and incredibly professional, even dealing with my very vocal dog with grace every time they entered my house. They completed the job in a timely manner and everything was top notch. They were mindful of the fact that I work from home, and kept noise to an absolute minimum. By the time they left, I could feel the cool air flowing once again. They even took the time to swap out my furnace filter! Loved working with them and will recommend Fire & Ice to my friends & neighbors.

Jared Petersen

The entire process of having a new furnace and air conditioner installed was awesome. Scheduling the estimate was quick and easy and I didn't have to wait on availability. The estimate was very thorough, and Bryan was extremely helpful in explaining everything. Install was just a few days later based on my schedule (they could have installed sooner) and the install technicians (Bryan, Alontae, Von) were awesome. Very professional and courteous, adhering to local health guidelines the entire time. They also had somebody come out and take photos and videos of the install so they could use it in their training. They took the time to ensure everything was installed properly (my old install wasn't). They were also very helpful to show me everything about the system and new thermostat before they left. Bryan followed up with me a week later and stopped in to check on the install. He's awesome and having a tech come out and tweak a couple things (humidifier and thermostat) to ensure everything runs properly!

Jayson Nayuki

One of my good friend’s had a great experience with Fire and Ice, so I went ahead and tried them out. Amazing customers service. Brad was awesome with walking me through the process of getting a new furnace and answered all of my questions. I will be a returning customer and recommend Fire and Ice to all. Update on furnace installed: I can not praise this company enough. The technicians Floyd and Jacob were very professional and the craftsmanship was amazing. You can tell when someone takes pride in their work. Thank you for your hard work. It’s greatly appreciated.

Bryan Wade

Bryan and Nick were true professionals. They gave me a good heads up when they were going to arrive and did a great job installing the new furnace. They made sure to keep my house clean and walked me through what they did and gave me tips on how to get the best use/life out of my furnace. Will definitely recommend to a friend.

I Daniels

The two technicians arrived exactly when they said they would, immediately began to take care of business. They had more trouble than they anticipated getting the old furnace out but still pretty much finished at the time they told me. The system and heating space were left clean and tidy. they took a few extra minutes to troubleshoot my water tank to get it to ignite which was greatly appreciated. Very nice gentleman throughout the experience and gave me a thorough explanation of the paperwork and how to use the thermostat as well. Was a great experience