The entire point of purchasing a home warranty is for protection when you most need it. There’s no point in purchasing a home warranty if you cannot get the benefits after filing a claim. Therefore, you need to familiarize yourself with home warranty claim issues and how to prevent them.
Keep reading to learn what makes your claim irrelevant and how to avoid these factors.
Home Warranty Claim Issues
Each home warranty company has its own rules on what voids your warranty on a certain system or item. In some circumstances, this may entail:
- Unauthorized repairs are illegal, whether performed by an unauthorized (licensed or unlicensed) contractor or by attempting to undertake the work yourself.
- Home improvement projects
- Failure to keep your home in good repair in compliance with building codes
- Misplacing their ownership documentation.
How to Avoid Claim Denial
We’ve stated above all valid reasons for denying a home warranty claim. Here are some things you may do to avoid getting into that situation.
Pay special attention to the fine print
The most important measure to avoid denial is to read the fine print of your home warranty contract. Make a list of everything that is covered and what isn’t. Also, make sure you understand all of the terms.
Maintain a record of your upkeep
Many home warranty companies need you to keep maintenance records to verify that you’ve performed the necessary routine maintenance over time. It’s a good idea to keep thorough maintenance records on your appliances and systems. You’ll be able to show that you didn’t neglect the appliance or system in this way.
Make every attempt to mitigate the impact of the harm whenever possible
It’s vital to do everything you can to avoid causing damage to the appliances or systems as quickly as possible. This entails routine maintenance on each insured item and not waiting for damages to deteriorate before seeking repair.
