Introduction
American Home Shield home insurance offers a variety of options, including 24/7 emergency services and same-day claims service. These features make American Home Shield a great choice for homeowners. Here's what you need to know about how do American Home Shield home warranties work?
If you're considering a home warranty, you likely have some questions about how American Home Shield home warranties work. We've put together this comprehensive guide to answer some commonly asked questions and help you decide whether such coverage is right for your needs.
American Home Shield home warranties can be a great way to protect your family from unexpected repairs and unforeseen damage. With this type of coverage, you are fully protected against the cost of repair or replacement of your home if you encounter a covered claim.
Here's an overview of how home warranties work.
Step 1: Choose your plan.
Step 2: Submit a service request.
Step 3: American Home Shield schedules a service provider for your home.
Step 4: The service technician arrives to identify the problem.
Step 5: Repair or replacement happens (or you get denied).
Choose your plan.
Choose your plan.
Home warranties are available through many insurers, and each has different coverage, conditions, and fees. To get the best deal on a warranty, you'll need to know what you're looking for and how much coverage you need.
Questions to ask your insurer:
What type of contractor services do you cover?
How long do claims have to be reported?
Are there any limits on who can make claims or what types of damages are covered?
Does your plan require you to pay a deductible before repairs are covered? If so, how much?
Submit a service request.
Home warranties can be purchased through the American Home Shield website, where you'll be able to submit a claim for repairs or other services. You'll be asked to provide details about the problem with your home, including any photos if possible.
The next step will be to verify the problem by taking photos of the damage and providing proof of purchase for any items that might be covered under your warranty.
Once we've verified your claim, we'll send out an inspector who will do an inspection of your home and confirm whether or not it qualifies for coverage. If it does qualify, we'll issue you an estimate on what it will cost to repair or replace the item(s) damaged by water intrusion. If it doesn't qualify, we'll explain why and give you other options like getting a new item or repairing it yourself instead of having us do it for you.
American Home Shield schedules a service provider for your home.
American Home Shield home warranties work with a network of service providers. American Home Shield schedules a service provider for your home. You can choose the type of warranty that works best for you, including:
One-time only: This type of warranty covers one repair or replacement. It's usually the least expensive option but has the shortest time frame.
Periodic: This type of warranty covers repair or replacement at regular intervals over a set period. This option is usually more expensive than a one-time-only policy but it offers more coverage and protection. For example, if you have an annual maintenance contract with your furnace company, this type of warranty might cover annual maintenance costs if your furnace breaks down during a year.
Repair/replacement: This type of warranty covers both repair and replacement in situations where only one solution will work for your situation.
The service technician arrives to identify the problem.
The technician will inspect your home for any signs of damage and/or leaks. They'll also check an electrical panel and light switches to ensure that you're not experiencing a power outage or other problems with your home.
The technician will test the water pressure and temperature in your home, as well as check for any leaks around pipes, faucets, and other areas of your home. This is done to ensure that no major repairs are needed or have been missed by previous technicians.
The technician will then perform their inspection report to determine if they need to make any further repairs or offer suggestions on how to prevent future issues from happening again.
Repair or replacement happens (or you get denied).
The main thing to know about American Home Shield home warranties is that they're not the same as other types of coverage you may have.
For example, if your American Home Shield warranty covers break-ins and vandalism, you can't get it replaced if the problem was caused by a tornado or hurricane. That's because the coverage is for damage caused by "leakage" of water or sewage pipes. You might think this would apply to storms, but storms aren't considered leakage — they're called windstorms and hail storms.
You also can't get your coverage replaced if the problem was caused by a fire or flood. Also, some homeowners' policies don't cover damage caused by smoke from a fire or water damage from flooding. However, this isn't always true; some policies will cover smoke damage if it caused structural damage to your home.
If your claim is denied because of exclusion, such as a windstorm, hail storm, or fire, contact us at 866-808-8818 for help finding out why and how to appeal the denial
Conclusion
When it comes to American Home Shield, the home warranty protects against several common home repairs. Now that you have the facts about American Home Shield home warranties, you can decide whether or not you need this protection for your home.
If you are overwhelmed by home warranties, deciding which one is right for you may be difficult. Fully understanding your American Home Shield warranty, which types of coverage plans they offer, and whether or not they provide long-term peace of mind, will help you decide if they are the best company to use.
In conclusion, no matter what happens to your home, American Home Shield will be there. Their home warranties provide an incredible level of protection you may need to keep your family happy.
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