Understanding Common Home Warranty Claims: What to Expect

Homeownership has long been part of the American dream. However, maintaining a home can come with unexpected and costly repairs. From a broken refrigerator to a malfunctioning HVAC system, the expenses can pile up quickly. Unfortunately, standard homeowner’s insurance only covers damage from sudden events like fires, storms, or theft—leaving homeowners responsible for repairs due to everyday wear and tear.

A home warranty can alleviate these financial burdens by covering the repair or replacement of essential home systems and appliances. For a manageable monthly premium, homeowners can access services that help reduce out-of-pocket expenses for common home repairs.

To fully benefit from a home warranty, you need to understand the claims process. Let’s break it down step by step.

What Is a Home Warranty Claim?

A home warranty claim is a formal request for your warranty provider to repair or replace a household item or system that has broken down due to normal usage. Home warranties typically cover a wide range of items, including:

• HVAC systems
• Plumbing and electrical systems
• Major appliances like refrigerators and ovens

By contrast, homeowner’s insurance only addresses unexpected events. A home warranty fills the gap by covering routine maintenance issues, easing the financial burden of costly repairs and replacements.

How Do Home Warranty Claims Work? A Step-by-Step Guide

Filing a home warranty claim doesn’t have to be complicated. By following a structured process, you can efficiently address repairs or replacements and minimize downtime for essential household systems. Below is a step-by-step guide to help you navigate the process of filing claims and ensure you get the most out of your warranty coverage.

1. Identify the Issue

Begin by thoroughly assessing the problem. Determine whether the issue is due to normal wear and tear or if it may be outside the scope of your warranty.

2. Review Your Home Warranty Contract

Check your contract to ensure that the item needing repair or replacement is covered.

3. File the Claim

Contact your home warranty provider to initiate the claims process. Most companies offer online portals for convenient claim submission, though phone support is also available.

4. Claim Approval and Technician Assignment

The provider will review your claim to confirm coverage. If approved, they will assign a technician from their pre-approved network.

5. Repair or Replacement

The technician will visit your home to assess the issue and determine whether it requires repair or complete replacement.

6. Payment and Follow-Through

After the repair or replacement, you’ll typically pay a service fee, usually between $75 and $125. The home warranty provider covers the remaining costs. The home warranty provider covers the remaining costs, although it's important to note that home warranties often have liability limits for repair and replacement coverage, which may affect the total amount covered.

Tips for Speeding Up the Claims Process

While repairing items with a home warranty can sometimes take time, there are steps you can take to streamline the process:

• Document the problem: Take photos or videos when filing the claim.
• Submit claims promptly: Report the issue as soon as it arises.
• Keep your contract handy: Have all necessary information ready when discussing the claim.
• Follow up: Check in with the provider if there are delays.
• Be flexible: Accept the earliest available appointment.
• Keep records: Save all communications, invoices, and receipts.

Do Home Warranty Claims Require a Deductible?

Unlike insurance policies, home warranties don’t typically have traditional deductibles. Instead, you pay a fixed service fee for each technician visit, usually between $75 and $125. This setup is particularly beneficial for costly repairs, such as those involving HVAC systems or major appliances – where costs of repair or replacement can exceed thousands of dollars.

Can You Choose Your Repair Technician?

Most home warranty providers work with an extensive pre-approved network of technicians who are vetted for quality and pricing. In rare cases, you may be allowed to choose your own technician, but this usually requires pre-authorization from the provider. Typically, it’s more efficient to rely on the provider’s established network.

FAQs About Home Warranty Claims

1. What is typically covered by a home warranty?

Most home warranties cover essential systems and appliances such as HVAC units, plumbing, electrical systems, and major household appliances. Coverage details can vary, so review your contract carefully.

2. How long does it take to process a home warranty claim?

Claim processing times can vary depending on the provider and the complexity of the repair. Promptly submitting accurate information and being flexible with scheduling can help expedite the process.

3. Are there limits to home warranty coverage?

Yes, most home warranties have coverage caps and may exclude certain high-end or specialty items. Always read the terms and conditions to understand your coverage limits.

4. What happens if a repair cannot be completed?

If a repair isn’t possible, most home warranty providers will cover the cost of a replacement up to the coverage limit specified in your contract.

How ARW Home Can Help with Home Warranty Claims

Understanding how home warranty claims work can help you better navigate the repair and replacement process, saving you time and money. If you’re ready to learn more or need assistance, ARW Home is here to help. Contact us online or give us a call today.