What Are the Reasons Behind A Home Warranty Claim Denial?

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A home warranty can be a fantastic method to safeguard your house and provide peace of mind if something goes wrong. However, it’s crucial to remember that there are several circumstances in which your home warranty claim may be rejected.

This article will explore why your home warranty claim may be denied, including pre-existing conditions, lack of maintenance, and more. We’ll also discuss how to prevent a denial and what to do if your claim is denied. You’ll be better equipped to protect your home and warranty coverage by understanding why a claim can be denied.

What Is A Home Warranty Claim?

An agreement known as a “home warranty” promises to replace or repair a system or piece of equipment in a home that breaks down after frequent use.

Even while house warranties provide peace of mind, dealing with refused claims can be unpleasant. There is a big problem with consumer ignorance of how house warranties work.

Discover some common reasons why even the best home warranty companies in Kentucky and all over the United States could deny a claim by reading on.

Why Home Warranty Companies Can Deny A Claim

Your home warranty provider may deny a claim for various reasons, including incorrect installation, inadequate maintenance, or unauthorized repairs.

Because the contract outlines the particulars and extent of your coverage, reading it is advised if you want to learn the possible explanations for a claim denial from your provider.

The following are the most frequent reasons suppliers provide for rejecting claims, although each company develops its terms and conditions:

System or Appliance Is Not Covered By The Home Warranty

With the help of a home warranty, you can pay for the expenses of upkeep and repairs for the systems and appliances in your house.

Another choice is a comprehensive plan with a strategy for repairing both systems and appliances (heating, plumbing, etc.).

However, not every system or equipment on your property may be covered by a house warranty. Because exclusions vary between organizations and may come as a surprise, it is important to study the fine print carefully.

A system or piece of equipment might not contain certain components. Your contract might, for instance, include garage door repairs but not remote repairs.

The product cannot be covered if it is proven that a problem from before the warranty began was at least significantly responsible for the failure.

Lack of Maintenance Was Given To The Equipment

To be covered, systems and appliances must be maintained in line with the terms of the home warranty contract. If the company finds that you did not maintain the equipment in a way that may have prevented it from malfunctioning, your claim may be denied.

Either the device complies with the rules, or the installation was wrong.

Your claim may also be denied if the appliance or system was installed incorrectly or contravening regional building codes. This is true even if it was improperly installed by a professional.

Machinery Has Endured Significant Deterioration

Only after they have endured typical wear and tear are appliances and systems covered by house warranties. Your claim can be denied if the home warranty provider determines that the device is not utilized properly.

Therefore, if your children tend to hop on and off the dishwasher door while it is open, it is typically a sure bet that your claim will be denied.

Damage is Primarily The Result of The Breakdown

Many companies only offer coverage for appliances or other equipment when there is direct damage. Suppose you submit a claim for secondary damage, such as when the dishwasher leaks and ruins the carpet; your request may be denied. 

However, your homeowner’s insurance company can cover the subsequent damage.

Going Over The Insurance Limit

Home warranty providers set annual coverage and reimbursement restrictions for each system or item they cover. These restrictions might range from $500 for simple equipment to a $50,000 overall ceiling, depending on the appliance or system.

You might not be in luck if you have already reached the annual cap or the coverage limit for that specific protected item, even though your appliance would otherwise be covered.

Repairs Were Made By Unlicensed Technicians

Your claim may be turned down if you hire a freelancer to fix an insured piece of machinery or equipment. A home warranty provider will arrange for a qualified service provider to assess, repair, or replace the damaged item once you submit a claim. If repairs were made by you or someone else, this specific object would lose its protection.


Understanding why a home warranty claim may be denied is an important step in ensuring that claims are properly and efficiently submitted. While some reasons are simply beyond the control of the homeowner, such as a pre-existing condition that was not disclosed, there are several steps that a homeowner can take to help ensure that their claims are not denied. 

By taking the time to understand the requirements of the home warranty provider and following the proper protocol when submitting a claim, homeowners can help ensure that their home warranty claims are approved.

Home Membership simplifies home warranty. You may spend more time doing the things you love if you take advantage of membership perks and safety for your home. Contact us regarding a home warranty today!