A home warranty is a service contract between a homeowner and a home warranty company. In most cases, the company agrees to pay for repairs or replacements of home system components and appliances that have broken down due to normal wear and tear. Home warranties can be a great way to protect yourself from unexpected repair costs, however, it’s important to remember that they don’t cover everything and that they do not replace homeowners insurance.
What is covered by a home warranty?
Each home warranty company offers a different list of covered items, so it’s important to read the contract carefully before purchasing a policy. Your contract may state that the home warranty company will cover a certain percentage of the cost to repair or replace specific items in the home. These items can include the home’s heating and cooling system, electrical wiring, plumbing, and appliances.
It cannot be stated enough that it’s essential to know exactly what your home warranty contract covers. If, for example, your plumbing breaks, you want to know right away that you can file a claim and it will be taken care of, instead of having to spend time researching “Does home warranty cover plumbing?” Before you choose a home warranty, you need to know that your specific needs will be covered.
What isn’t covered by a home warranty?
Keep in mind that not everything can be covered. Even the most comprehensive contract from one of the best home warranty companies has limits. Generally, home warranties do not cover damages caused by accidents, neglect, or intentional misuse. Any obvious damage that was done before the home warranty was purchased will not be covered, but most companies make allowances for undetectable or unknown pre-existing conditions. This is another reminder to read the contract carefully and to make sure that you understand what is and is not covered.
So, what about plumbing?
Not all home warranties cover plumbing, and not all plumbing issues will be covered. Problems caused by a specific incident, such as a burst pipe, are often covered. Most home warranties don’t cover plumbing problems that occur as a result of normal wear and tear, nor do they cover the repair or replacement of fixtures, such as sinks and toilets, or bathtubs and showers. Make sure to ask the home warranty company what, if any, exceptions there may be, and any other questions you have before you commit to purchasing a home warranty contract.
If a home warranty does not cover plumbing, there are a few things a homeowner can do to protect themselves. One is to purchase a separate plumbing warranty and the other is to have a qualified plumbing contractor inspect the plumbing system regularly and make any necessary repairs. A simple Google search of plumbers in your area can provide you with a list of resources to help you. For example, if you live in Texas, search “bathroom remodel Lubbock” to find qualified professionals to repair or replace bathroom plumbing fixtures, or to take care of a bathroom remodel. Finally, homeowners can purchase insurance that will cover damages caused by a plumbing leak or burst.
How do I file a claim with my home warranty company?
In order to file a claim, you will need to contact your home warranty company and provide them with the necessary information. Make sure to have your policy number, the date of the breakdown, and a description of the problem. You will also need to provide proof of ownership and proof of payment.
Most claims are processed within a few days, but it can take up to two weeks for a claim to be approved. Depending on the work that needs to be done, it can take a few more weeks for the repairs to be completed.