Home warranty claim guide.
A home warranty claim is not the same as homeowners insurance. Home warranty companies usually use service fees, covered systems, exclusions, assigned contractors, and pre-authorization rules.
Rule: read the contract before hiring your own contractor or paying for work.
Check before filing
- Covered system or appliance.
- Service fee or deductible.
- Pre-existing condition rules.
- Maintenance record requirements.
- Contractor assignment and authorization rules.
- Coverage caps and exclusions.
If denied
Ask for the exact contract term used to deny the claim, the technician diagnosis, and whether there is an appeal or second-opinion path.