A home warranty provides homeowners with coverage for certain repairs or replacements of home systems and appliances that break down due to normal wear and tear. Coverage varies by policy, but typically a home warranty will cover items such as the air conditioner, water heater, dishwasher, refrigerator, and major home systems. Home warranties can be purchased from private companies or as part of a home insurance policy.
A home warranty aims to provide peace of mind to homeowners. Home warranties can help homeowners save money on costly repairs by providing for service calls and diagnostics as well as the time, labor, and parts to repair or replace covered items. Depending on where you live, you can find a quality warranty in your area by searching for “best home warranty Arizona,” for instance. Once you have the coverage, however, you will want to be able to rely on it when you need help. Let’s take a look at how to file a home warranty claim.
Determine if your item is covered.
If you are experiencing problems with a mechanical appliance or home system, the first step is to determine if your home warranty covers the item. Most warranties cover major appliances and systems such as the furnace, air conditioner, water heater, and electrical systems. They may also cover structural components such as the roof and foundation. However, they usually do not cover items such as lawnmowers or swimming pools. Depending on your plan or additional coverage purchased, your septic system might be covered.
If the company determines that the warranty covers the problem, they will work with you to schedule a service call. Be prepared to be without the covered item for some time, as the technician will need to have access to it to diagnose and repair the problem.
Gather your documentation.
When it comes time to file a home warranty claim, it is important to have all of your documentation in order. This will help to ensure a smooth and speedy process. First, you will need to gather your policy and contact information for your home warranty company. Next, you will need to gather copies of all of your documentation related to the issue for which you are filing a claim. This may include repair bills, receipts, pictures, and any other relevant information. Once you have gathered your documentation, you can contact your home warranty company and begin the claim process.
Typically, the home warranty company will ask for a few pieces of additional information, such as the age of your home and the type of warranty you have. Once they have all of the information they need, they will begin to process your claim. Typically, this process will take a few days to a few weeks, depending on the complexity of the claim.
File the claim with the home warranty company.
Filing a claim with the home warranty company is a relatively simple process. Depending on your company, you might even be able to start the process through an online portal. Additionally, most companies have a toll-free number that you can call. Be prepared to provide the company with your name, address, contact information, and the name of the covered appliance or system and the problem you are experiencing. You will probably need to rely on the documentation that you gathered to provide some of the required information. The company will likely ask you to provide them with your warranty contract and proof of purchase for the covered item.
Once you have filed a claim, the home warranty company will send a technician to your home to assess the issue and provide a solution. If your policy covers the issue, the technician will repair or replace the appliance. Be sure to ask the technician any questions you have about the repair.
A home warranty is a service contract that protects a homeowner against unexpected, major repairs or replacement of home systems and appliances. If you have an issue with a covered appliance or system, it is best to contact your warranty provider as soon as possible to get the help you need quickly.