Just got the exciting news that I have to buy a new AC for my house. Awesome.
question, does your home owner's policy have any home equipment coverage?
not home warranty, but home equipment breakdown coverage.
if the answer is yes, you might have an option. most policies will exclude replacing an air conditioner that has to be replaced if the replacement is due to rust and corrosion.
here is the loop hole, some policies will replace the unit if it isn't possible to replace the unit with an equivalent unit.
example. if you bough the house in 2010 and it was new you can't go buy an equivalent ac unit because it will not comply with the 2020 coolant requirements. a 2010 unit can't handle the pressure requirements.
it is a long shot, but if that coverage is in your policy check it out and make sure whomever you use knows it and they need to write up the estimate focusing on that issue.
if that coverage isn't talk to your agent for future instances because living in texas this won't be your last ac unit.