Several factors may determine whether your home warranty claim will be approved. Checking your Maintenance records is an essential first step to understanding your coverage limits. If you’re being denied a claim, there are things you can do to get it approved.
Common reasons why home warranty claims can be denied
You may be denied coverage if your home warranty plan doesn’t cover an appliance or system that needs maintenance. Whether improper installation or lack of care, service providers will reject claims if they find that the item isn’t properly maintained.
Even if you’ve had a professional install the system, you may be denied coverage if you’ve neglected to perform the necessary maintenance. For example, a home warranty in Nevada may deny your claim for various reasons. It could be that the part of the appliance you’re claiming is not covered or that the problem is not the result of a faulty installation.
You should review the warranty’s fine print to make sure you understand what’s covered and keep maintenance records to prove that you performed regular maintenance and hired a qualified contractor. Also, check your paperwork to ensure you didn’t miss anything and add more information if necessary.
Maintenance records are essential
To ensure the smooth processing of home warranty claims, it is essential to maintain detailed maintenance records for your home. This documentation is necessary because a home warranty company can deny coverage if you do not keep track of your maintenance activities.
For example, if you neglect your roof, you may not receive coverage for that repair. Another common reason for denial is when the damage is secondary or exceeds the coverage limit. To prevent this, you should be aware of the coverage of your home warranty plan, maintain maintenance records, and mitigate the damage whenever possible.
In addition to keeping detailed maintenance records, keeping track of all services is vital. Having these records will make it easier to prove that you have performed the regular maintenance. In addition, many home warranty companies require their policyholders to keep such records. Without them, your claim will be rejected.
Finally, maintaining these records will ensure you receive timely and accurate repair services. A home warranty is a valuable investment, so it is imperative to keep them regularly.
Many companies place annual caps on coverage limits and only cover repairs for direct damage. Your homeowner’s insurance policy can cover secondary damages. If you do not use a certified technician, you can file a claim with your state’s attorney general’s office.
While most home warranty plans include repair services, some companies have specific exclusions and may require you to pay for repairs or replacement out of pocket. Some companies will deny coverage due to an item breaking down due to an accident or unsafe installation.
Dishonest intentions of home warranty companies
Many homeowners are unaware of the dishonest intentions of home warranty companies. While most companies are legitimate and attempt to protect homeowners, scams are common, and the worst are notorious for using dishonest marketing methods. If you’re considering a home warranty, beware of common warning signs, including hard-to-understand terms, complex claims and cancellation processes, and a lack of customer reviews.
First, try to reach out to the Better Business Bureau. Many home warranty companies have a complaint process and can be contacted by the Better Business Bureau. Moreover, you can also file a complaint with the Attorney General’s Office if you suspect fraud. Home warranty companies must comply with laws and regulations. Therefore, you should never accept a claim denied based on fraud.
- About the Author
Alex Grigoryan is a Professional Home Improvement and Lifestyle Writer. He has been in the industry for over 6 years and has been writing for Chique Home Living since 2019. His work has been featured in prestigious blogs such as Spruce Home, Better Homes & Garden, and more.