Home : home and needs : 9 Reasons For Home Warranty Claim Denial

9 reasons for home warranty claim denial

9 reasons for home warranty claim denial

Home warranty plans are among the most helpful service contracts for homebuyers. They offer financial protection against damages to major appliances and systems in the house. Without a warranty plan, repairing or replacing the damaged systems can be an expensive affair. However, home warranty plans may not cover all kinds of damages, leading to the denial of warranty claims. Here are some situations in which home warranty claims can be denied:

1. No coverage for specific appliances
Home warranty plans usually cover the breakdown of certain systems or appliances. Some plans even offer comprehensive coverage for damages to both systems and appliances in the house. However, it is important to note that these warranty plans may not cover every appliance in their house. So, if one submits a warranty claim against an appliance that is not covered by their plan, their claim will be denied. Also, home warranty plans do not offer coverage for appliances that are under the manufacturer’s warranty. So, before filing a claim, one must check if that particular appliance is covered under the home warranty. If one is unsure about the extent of coverage, one can call their home warranty provider and ask them if an appliance is covered.

2. DIY fixes before filing a claim
If an appliance, that is covered by the home warranty plan, breaks down, one must avoid trying to fix it themselves. While DIY-ing may seem like a quicker and easier solution, it might not be the best idea. This is because one may end up worsening the problem. Then, the overall damage to the appliance will not be considered part of normal wear and tear. So, when one reaches out to the home warranty provider, who will send a technician to check the problem, their claim is likely to be denied. So, instead of trying to take on repairs by themselves, homeowners must promptly contact the home warranty company immediately after they notice appliance damage.

3. Appliance misuse
Home warranty plans offer coverage for damages caused by normal wear and tear, not accidental damages or harm caused due to misuse. For example, rust and corrosion are inevitable problems in appliances, so they are often considered normal wear and tear. Similarly, if an appliance breaks down unexpectedly from regular usage, it would be covered under the warranty plan. But that is not the case for damages due to accidents or mishandling. For example, if one slams the door of their fridge, breaking it, then that damage would not be covered by the home warranty plan. Further, damages brought on by lack of maintenance may not be covered as well.

4. Improper appliance installation
Whenever one buys an appliance or a system, one must opt for professional installation. This is because in case of any damages in the future if the home warranty company finds issues with the installation or non-adherence to manufacturer guidelines, they will deny the warranty claim. Additionally, if the installation of any appliance or the system violates safety guidelines or building codes, even then, the warranty claim will be denied. So homeowners must ensure that when they purchase a new appliance, they get it installed by professionals. Further, they must see to it that the professionals follow the required codes and regulations during applicance installation.

5. Unauthorized repairs
Just like DIY-ing the repairs, homeowners must also avoid getting their appliances fixed by unauthorized technicians. Doing so would make the home warranty provider remove the appliance from the warranty coverage or deny the claims filed for damages. The ideal course of action would be to contact the warranty company in case of any damages and let their technicians fix the appliance.

6. Damages due to acts of nature
Home warranty plans may also not offer coverage against damages caused by natural disasters. So, for instance, if a claim was made for the garage door breaking down due to a flood, then that claim could be denied.

7. Animal or pest damage
Pests such as rodents and termites can severely damage certain systems and appliances in a house. However, warranty claims made for the appliance damages caused by such pests are likely to be denied. This is because home warranty plans typically do not offer coverage against damages caused by animals or pests.

8. Coverage limit exceeded
Home warranty plans come with an annual coverage cap. They can either come with separate coverage caps for each appliance or set an annual limit on the total payout. These limits can range from around $500 per appliance to about a payout of $50,000 per year. So, if a homeowner has exceeded this coverage limit on their home warranty plan, then any claims they file within the year will get denied.

9. Lying about the damages
If an appliance or system was not in the best shape when one bought the home warranty plan, it is best not to lie about it. If the appliance undergoes any damage, the technician that the warranty company sends will find out that it was damaged to begin with. In such a case, warranty claims will be denied.

Most Popular

Important things to know about kidney problems

Important things to know about kidney problems

Kidney diseases are some of the most common and life-threatening conditions that affect patients worldwide. These diseases lead to kidney function failure over time. It can be caused by various factors, including environmental toxins, genetic predispositions, and unhealthy lifestyle choices. Kidney disease can lead to severe health complications such as acute renal failure (ARF), chronic kidney disease (CKD), or chronic renal failure (CRF). A healthy kidney is a sign of a healthy body and lifestyle. The function of the kidney The kidney is an essential organ that performs many functions in the body. It filters the blood, removes waste products and excess water from the body, and helps maintain a person’s balance of electrolytes like sodium and potassium. Kidneys help maintain their normal levels of salt concentration which is essential for the proper functioning of every cell tissue in the body because, without adequate amounts of salt, no cells can function properly. The kidney also plays a vital role in regulating blood pressure and volume by keeping them at appropriate levels through urine production. The kidneys also regulate fluid balance in your body by removing excess water from urine and adding extra water into the urine when necessary for your body tissues not to be dehydrated.  Kidney failure is when a person’s kidneys cannot function properly due to disease or injury; this condition can be fatal if left untreated.
Modifying homes for people with poor vision

Modifying homes for people with poor vision

One of the top reasons for low vision and blindness in people over 55 is macular degeneration. Macular degeneration causes loss of vision due to damage to the macula in the retina of the eye. It can be difficult for people with this condition to live in inaccessible homes. So, to ensure ease of maneuverability for people with macular degeneration or similar conditions, here are 13 tips to make a home low-vision friendly. Use clear and contrasting colors for walls The key to making a low-vision-friendly home is using light and dark colors. Dark colors can be complex for those with low vision, but if used intelligently, it can make all the difference. The answer lies in how light reflects off certain surfaces. If you have a bright yellow wall with black trim around it, then any space adjacent to it will be illuminated by daylight coming through windows above them. Contrasting shades like white or black help keep things cooler by reflecting out more heat than they receive from direct sunlight. Place essential items in your line of sight Ensure that important items, such as mobility aids, phones, and other necessities, are within your line of sight and not obscured by something else in the room.
Key things to know about macular degeneration

Key things to know about macular degeneration

Macular degeneration is an eye disorder that affects the macula, a tiny part of the retina that provides sharp central vision. The most common kind of this disease is age-related macular degeneration (AMD), which affects many people in our country over 60 years. While there is no cure for macular degeneration, several treatments and lifestyle changes help manage the symptoms and improve your vision so that it does not interfere with everyday life. What are the types of macular degeneration? There are two common types of the condition: Wet or exudative macular degeneration This is the more common type. It occurs when the tiny blood vessels in front of your retina get damaged and leak fluid into your eye, causing swelling, redness, and dampness. The condition can affect your central vision and cause blurry patches in the center. Central vision is the area you see directly in front of you. Dry or atrophic macular degeneration Also known as senile macular degeneration, this condition occurs when the retina does not receive sufficient oxygen due to damage from aging; it results in a breakdown of the central part of the retina (the photoreceptors). What causes this eye disorder? The risk factors include genetics and lifestyle ailments, such as high blood pressure, high cholesterol levels, and diabetes.
Nasal polyps – Symptoms, causes, and management

Nasal polyps – Symptoms, causes, and management

Nasal polyps can be a symptom of an underlying condition or occur independently. The visible signs and symptoms of nasal polyps include congestion, runny nose, loss of smell, and pressure or pain around your eyes and cheeks. A deviated septum may contribute to nasal polyps. However, they can also occur in people who do not have this condition, such as athletes who blow their noses frequently during exercise routines. Read on to learn more about nasal polyps. What are nasal polyps? Nasal polyps are small, soft growths that develop in the lining of the nasal passages and sinuses. They are also sometimes called nasal tumors or nasal corking. They are not cancerous, contagious, or caused by allergies. Nasal polyps may also be associated with other conditions like chronic rhinosinusitis (CRS), allergic rhinitis (AR), chronic sinusitis (CS), and asthma. Nasal polyps typically develop before the age of 40, and they do not usually cause symptoms until they grow larger or become inflamed or infected.  However, large nasal polyps can block airflow through your nose. If this happens, you may experience sinusitis, headaches, and a stuffy or runny nose. You may also experience difficulty breathing through one nostril at a time if large polyps block the other nostril completely.
Atopic dermatitis – Causes, symptoms, and more

Atopic dermatitis – Causes, symptoms, and more

Atopic dermatitis (eczema) is a disorder that results in dry, irritable, and inflammatory skin. Though it can affect anyone, young children are more vulnerable to this disorder. The symptoms include recurring (chronic) and sporadic flare-ups, though it is not contagious. Atopic dermatitis patients risk contracting asthma and seasonal and food allergies. Regular moisturizing and skin disease condition-related treatments help alleviate itching and prevent further outbreaks. Using medicated lotions or ointments during treatment is also helpful. Symptoms Depending on an individual’s age, the severity of the condition, and other circumstances, symptoms of atopic dermatitis may vary. Those who have the condition typically experience phases of worsening symptoms, followed by times of improvement or even complete disappearance. The following sections will cover some likely variances in symptoms in more detail. General eczema symptoms Eczema symptoms are usually not severe. The most common signs and symptoms of atopic dermatitis include dry, itchy skin, skin flushing, or weeping sores.  Individuals with severe eczema skin disease may need more intensive care to eliminate their problems. Infections of the skin can also result from persistent touching and scratching. The appearance of the skin area afflicted by atopic dermatitis will vary depending on the frequency of itching and infection.

Popular Articles

Afib – Types, causes, symptoms, and management
Health
01

Afib – Types, causes, symptoms, and management

Atrial fibrillation (Afib) occurs when the usually stable and regular electrical impulses in the heart’s upper chambers (atria) begin firing chaotically, causing them to quiver or twitch (fibrillate). This can cause blood accumulation and clotting in the atria. These clots can reach the lungs through the blood vessels and cause pulmonary embolism or can reach the brain, resulting in a stroke. Let’s look at the forms, signs, and causes of Afib and its treatment options: Types of atrial fibrillation Afib can be classified as one or more of these: First-diagnosed Afib: Regardless of symptoms or the number or length of episodes, this refers to individuals diagnosed for the first time with Afib. Asymptomatic Afib: This condition is also called silent Afib, given the lack of signs or symptoms. A random electrocardiogram (ECG) could reveal asymptomatic atrial fibrillation. Paroxysmal Afib: Two or more episodes of the conditions that spontaneously resolve within a week are categorized as paroxysmal Afib. Persistent Afib: This refers to two or more episodes of atrial fibrillation that last seven days or more. Long-term persistent Afib: If the condition persists for more than a year, it is referred to as long-term persistent Afib. Permanent Afib: This is a chronic condition that cannot be managed using common treatment options.
Read More
How to reduce sugar intake and manage blood sugar
Health
02

How to reduce sugar intake and manage blood sugar

It is a known fact that too much sugar can be devastating for your health. When blood sugar is high, the body produces more insulin, which can lead to several health complications, including prediabetes and diabetes. So, you must cut down on sugar. Choosing healthy snacks and increasing fiber and probiotic intake can help. Moreover, regular exercise is essential. Here are a few tips to lower sugar intake and manage blood sugar levels naturally. Avoid carbohydrates A high intake of carbohydrates has a substantial impact on blood sugar levels. The body breaks down carbohydrates into sugars like glucose, which enters the blood. While the body requires glucose for energy, an excess can be harmful. As the amount of glucose increases, so does the amount of insulin produced by the body, leading to a greater risk of lifestyle disorders. Some foods with an abundance of carbs to stay away from are potato chips and donuts. Control your portion size If you are dealing with frequent blood sugar spikes, monitoring portion size can help. When you eat a large meal, blood glucose increases suddenly. To avoid this, eat smaller meals. You can opt for five to six small meals per day instead of two or three large ones.
Read More
11 management options to keep anxiety at bay
Health
03

11 management options to keep anxiety at bay

People with anxiety disorders regularly and excessively experience fear and panic in everyday situations. If unchecked, anxiety can impair normal functioning and degrade the quality of life. One must consult a health expert if anxiety is affecting their social life. But first, ensure that any physical health issues are ruled out before consulting them. Most individuals with anxiety disorders need medication or therapy, but coping strategies and lifestyle decisions can also be helpful. Stop and take a breath When you experience an anxiety episode, take a moment to think about what is making you feel uneasy. Usual anxiety symptoms include concerns about a recent or distant event. For example, you can worry that something wrong will happen to you in the future. Or, you can still be upset about something that has already happened in the past. But, whatever your concerns, most anxiety issues stem from not focusing on the present. The next time you feel nervous and get distracted from the present moment, sit down and take some deep breaths to reclaim your composure. You can regain balance and return to the present moment by pausing and taking a few deep breaths. If you have the time, consider advancing this practice by experimenting with breathing techniques.
Read More