Age is the first indicator. A furnace past 15 to 20 years is approaching the end of its expected life, and even if it runs now, you should budget for replacement and have an HVAC technician evaluate it closely.
Safety is the central concern. A cracked heat exchanger can allow carbon monoxide into the home, so inspectors note signs of cracking, soot, rust, or improper venting and recommend a furnace technician fully evaluate the unit when in doubt.
Because heating is essential in Minnesota and replacement is significant, the furnace's condition matters for negotiation and planning. An inspection gives you a realistic picture of remaining life so a mid-winter failure does not catch you unprepared.
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