[911dean]

Typically evap coil is never checked, as you can"t see it. The single best way to test is a static pressure drop. Most company's don't check statics and don't know what it's telling them. You should never have a problem with your evap coil with proper filter maintenance. A good filter with low static pressure drop changed monthly is your best bet. Pleated type filters, filter great, but typically have high static pressure drop and quickly have higher drop due to their filtering capabilities.

Home warranty company's are what they are. You can be rest assured that a smoked compressor in a 17 year old unit may just result in a compressor only replacement. It'll cost the insurance company less money.