What To Do When Home Warranty Claims are Denied

1. Home Warranty Claims Are Denied Things to do when

2. Common reasons for claim denials Following are the common reasons for claim denials: • Lack of maintenance • Unusual wear and tear • Improper installation of appliance/ system • Item not covered • Code violations • Damage caused due to reasons which are not included in the contract

3. What to do when a claim is denied? Determine whether the claim was wrongly denied. To decide that: • Study the contract carefully • Scan the policy booklet for possible exclusions and omissions • Speak to the company representative and ask why the claim was denied If your claim was unfairly denied, you can take actions to set things right.

4. How to dispute claim denials? Follow the steps given below to dispute home warranty claim denials: • Refer to the contract and determine the steps you need to take in order to appeal for a petition for denial • Contact warranty company and demand an explanation • Consult with a third party to evaluate the problem

5. How to dispute claim denials? (cont.) • Proceed with the home warranty company’s appeal process • Approach BBB. This may pressure the company into resolving your issue • Approach Attorney General’s office. Warranty frauds are usually handled here • File a complaint with any small claims court

6. Things to keep in mind • Always ensure that you are well versed with the contract and policy booklet • Do not opt for lawsuits unless you are confident about your part • Most big companies have themselves covered legally, you may need to hire a professional lawyer to fight for you • Keep track of your correspondence with the warranty company • Note down the name of the representative you speak to • Always remain polite and calm while speaking with the representative

7. Thank you!