A home warranty can help cover the repair or replacement of major home systems and appliances when they break down due to normal wear and tear. However, to receive coverage, you must properly file a home warranty claim.
Follow these steps to ensure a smooth claims process and improve your chances of approval.
1. Review Your Home Warranty Policy
Before filing a claim, check your home warranty contract to:
- Confirm that the system or appliance is covered.
- Check for coverage limits and exclusions.
- Note any required maintenance or documentation.
- Review the service fee amount (typically $75–$150 per visit).
2. Document the Problem
- Take photos or videos of the issue.
- Gather service records if the item has been previously repaired.
- Write down when the problem started and any unusual signs (e.g., strange noises, leaks).
3. Contact Your Home Warranty Provider
- Call the customer service number listed on your warranty contract.
- Some providers allow claims to be submitted online or through a mobile app.
- Be prepared to provide your contract number, property address, and issue details.
4. Schedule an Inspection with the Warranty-Approved Technician
- The warranty provider will assign a licensed contractor to assess the issue.
- The contractor will diagnose the problem and determine if it’s covered under your policy.
- You will need to pay the service fee before repairs begin.
5. Wait for the Claim Decision
- If the claim is approved, the technician will repair or replace the item.
- If the claim is denied, request a detailed explanation and review your policy for discrepancies.
- If necessary, appeal the decision by providing maintenance records or a second opinion from an independent contractor.
6. Follow Up on Repairs or Replacements
- If parts need to be ordered, ask for a timeline on completion.
- Keep all receipts and documentation for future reference.
- Confirm that the repair was done correctly before closing the claim.
Tips for a Successful Claim
- File claims as soon as possible to avoid further damage.
- Keep all maintenance records to prove proper care.
- Be persistent if your claim is unfairly denied—appeal with supporting evidence.
- Understand your policy exclusions to avoid unnecessary claim rejections.
Final Thoughts
Filing a home warranty claim correctly can help you get faster repairs and avoid claim denials. Always read your contract, document the issue, and follow the provider’s process to maximize your chances of approval. If you encounter issues, escalate your complaint and consider switching providers if necessary.
