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How to get the best out of your home warranty- use the warranty effectively

How to get the best out of your home warranty- use the warranty effectively

Getting a home warranty means spending money in form of annual fees and trade call fees. You should therefore make sure that you get the most out of it. Below are some tips that can help you to utilize fully the warranty protection.


Before filing a claim

Understand what is covered by your policy before you make a claim. This would depend on the plan you had chosen when getting into the contract. Some covers are may include particular items such as the swimming pool while others do not. Ensure that you have the home protection plan company’s phone number and your policy number at all times just in case you have an emergency. Test the hotline number before hand to ensure that you can use during an emergency. In case the company does not have it, ask them the way forward in the event of an emergency.

On repair and replacement

When an item needs to be repaired, call the customer support and inform them. The home warranty does not pay for services done by your repair technician. Remember that you need to pay a service call fee for every repair. Note that you will need to be patient when waiting for your item to be repaired because the companies take longer to send a technician unlike if you were looking for your own repair person.

Be familiar with the replacement policies. If you have an item that is not repairable, it is likely that it will be replaced with a similar item. Chances are that the replacement item is not the one you would have preferred were you buying a new one. In that case, you may opt for cash out, and you replace the item yourself, especially if you want to upgrade. However, you may get less than what the item may cost. About price, the home warranty company gives you relates to a wholesale price for an item of lesser value.

When the home warranty sends a repair technician, you still have to pay the service fee even for a small repair such as a running toilet or a dripping faucet. Therefore, it is advisable to find out how much the repair would cost from a local company before calling the warranty company. You may be surprised to find that the company will charge less for the repair than you would have paid as a trade call fee to the repair person sent by the company. In that case, it would be better to deal with small repair problems than to call the home protection plan company.


Maintenance

Have your equipment and systems regularly maintained. Keep documentation on the maintenance and servicing of the furnaces, air conditioning and the water heater. Also, maintain other maintenance records of the home. When the end of the contract approaches, analyze the state of the home, what you would have spent on repairs without the warranty and the amount you have paid as warranty costs. This will help you to know whether to renew the contract.

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