Tips for filing and appealing a home warranty claim
A home warranty is a service agreement that pays for the maintenance and repair of specific home systems and appliances that could malfunction due to normal wear and tear. It can help assure homeowners that unplanned repairs won’t be expensive. However, making a home warranty claim can be difficult for some, and the claim may get rejected. Here are the steps for filing a home warranty claim and what to do if it gets rejected.
Steps for filing home warranty claims
Review your contract
The first step in filing a home warranty claim is to review your contract. Check to see which appliances and systems are covered by your home warranty and which are not.
Contact the provider of your home warranty
Contact your home warranty provider when you need to make a claim. Most home warranty providers offer a customer service hotline that is open 24/7 to help you with your claim.
Set up a service call
After you’ve reported the problem, the home warranty provider will arrange a service call with a qualified and insured technician after you’ve reported the problem.
Service visit
During the service call, the technician will identify the issue and propose a fix. If the item can be fixed, the technician will immediately start the repairs.
Payment
If your home warranty contract covers the problem, you will only be charged the service fee, usually between $50 and $100. If the contract does not cover the problem, you will be responsible for the full cost of the repair or replacement.
Reasons for rejection of home warranty claim
Unfortunately, a home warranty can be denied for a variety of reasons. Thus, it is imperative to read the contract’s terms and conditions to determine which appliances and systems are covered. If your warranty claim gets denied, you can consider filing an appeal with the service provider.