What To Do When 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 companys appeal
  process
• Approach BBB. This may pressure the company into
  resolving your issue
• Approach Attorney Generals 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!