How does a home warranty work?
l If a home system or appliance breaks down or stops working, you call the home warranty company.
l Your home warranty company will call a service provider it has a business arrangement with.
l The service provider will call you to make an appointment.
l The service provider will fix the problem. If an appliance or system is malfunctioning and can’t be repaired, depending on your contract coverage, your home warranty company will pay to replace and install the appliance.
l You will pay a small trade service fee (usually less than $100).
What’s not covered? Check your specific policy, but in general the items below are not covered unless you have purchased additional coverage for them.
l Outdoor items such as sprinklers
l Refrigerators, washers, dryers and garage door openers
l Spas and pools, unless specific coverage requested
l Permit fees
l Haul aways
What can cause denial of a claim?
l Improper maintenance
l Code violations
l Unusual wear and tear
l Improper installation
General coverage includes the following unless our policy has an exclusion:
l Air conditioning
l Furnace/heating systems
l Water heaters
l Garbage disposals
l Inside plumbing stoppages
l Ceiling fans
l Electrical systems
l Range and oven
l Telephone wiring
Your responsibility is to read thoroughly and understand your warranty before you agree to the terms. Be sure to clear up anything you don’t understand before you sign anything.