Does a Home Warranty Cover Pre-Existing Conditions?
Home warranties can be invaluable tools for homeowners who need to repair worn-out systems and appliances quickly while keeping costs low. However, these contracts come with certain limitations; in particular, it’s important to note that not all fixes are covered.
One of the clauses included in many such contracts is for pre-existing conditions. As a result, you may think– Does home warranty cover pre-existing conditions? It may or may not, depending on the company you choose.
In recent years, with competition being tight in the industry, some providers have started to offer coverage for pre-existing conditions. This article will give you a clear picture, detail the specifics of the pre-existing conditions, and answer all the questions. Keep Reading!
What Is A Pre-Existing Condition & When Is It Covered Under Warranty?
Pre-existing conditions refer to any malfunctions or defects that existed within the covered item before the commencement of the home warranty coverage. These may be known – easily detectable via visual inspection, or unknown, meaning they could not be detected through mechanical tests and visual examinations.
When it comes to home warranties, there are usually no exceptions for pre-existing conditions. However, a few companies may cover pre-existing conditions when:
- A home inspection is carried out 60 days before the start of the coverage and reveals that the appliance or system was in good condition and maintained properly.
- Inspections don’t show any signs of any .ailments with the unit, indicating that it was in good working order and maintained well
Note: Your provider may have other requirements, so we recommend you read your contract thoroughly.
Best Home Warranty Companies For Pre-Existing Conditions
A few home warranty companies offer coverage for pre-existing conditions, and we have selected the best for you. The companies on our list offer a variety of plans that cover a range of appliances and systems, have a low deductible, and provide 24/7 services. Let’s take a look at these.
About The Company
With over 50 years of experience, American Home Shield is one of the oldest home warranty companies. It has paid over $4 Million in claims settlement and has served more than 2 Million homeowners across the States. The company covers unknown pre-existing conditions and has a network of over 17,000 contractors that help you with fixes.
About The Company
Cinch has been on the market for over 40 years, offering extensive coverage for systems and appliances. Along with the plans, you get coverage for unknown pre-existing conditions and a workmanship guarantee of 180 days.
About The Company
Home Service Club has made it to our list due to its nationwide availability, 13-month coverage, 90-day repair guarantee, and more. The company provides coverage for unknown pre-existing conditions under all of its plans.
How Are Pre-Existing Conditions Determined?
Home warranty companies typically determine whether a condition is pre-existing based on the information provided by the homeowner at the time the home warranty is purchased. Companies may also ask for documentation, such as a home inspection report, to verify that the condition was not known to the homeowner when the home warranty was purchased.
So, to ensure that any breakdowns are covered by their home warranty, homeowners need to be aware of potential problems. When it comes to determining a pre-existing condition, one can rely on home inspections. This can be done through visual and mechanical checks, where an expert observes a structure or item for signs of damage and then tests its function.
If evidence of malfunctions is not found during these examinations, they may be eligible for home warranty coverage down the line. Older homes are particularly susceptible to unknown pre-existing conditions – making it even more important to thoroughly inspect them before purchasing a warranty plan.
How To File A Home Warranty Claim For Pre-Existing Condition?
You can start filing claims once the waiting period is over. Here are the steps you need to take:
- Contact the home warranty company to file a claim. You will need to provide the company with information about the problem, such as the affected appliance or system and the date the issue started. You may also need to provide the home warranty company with a copy of your home warranty contract.
- The company will review your claim and determine whether it is covered. Upon successful verification, the home warranty company will arrange a technician visit.
- The technician will arrive at your doorstep to provide the necessary repair or replacement of the affected appliance or system. In exchange for the service, you will be required to pay him the service call fee as mentioned in your contract.
Note: There may be some steps involved in claim filing. We recommend that you read your service contract carefully.
Is A Home Inspection Necessary For Filing Claims?
When filing a claim, home warranty companies typically do not need a home inspection to process it. However, if you’re filing a claim for an unknown pre-existing problem, the company may require evidence or verification before approving the claim. Although we stress that having a home inspection is beneficial, most companies say it’s not mandatory.
If you have any questions regarding the approval of your claim or what requirements must be met to file a successful one, you can always get in touch with your home warranty company directly.
Conclusion
Home warranties can be a worthy investment when purchased after proper research. Hence, it is crucial to understand the terms and conditions before you buy it. In particular, you should be aware of the home warranty company’s policy on pre-existing conditions. If you have any questions about pre-existing conditions, you should contact the home warranty company to ask.
Frequently Asked Questions (FAQs)
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Will A Home Warranty Cover Something Already Broken?
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What Is Typically Not Covered Under A Home Warranty?
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Does American Home Shield Cover Pre Existing Conditions?
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Do Home Warranties Cover Old Appliances?
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Can You Buy A Home Warranty After Something Breaks?
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How Does A Home Warranty Work?
No, a home warranty will not cover the repair or replacement of any home system or appliance that has been already broken. It will fall under the category of known pre-existing conditions.
Generally, home warranties do not cover cosmetic defects, improper installation, damage due to pests, misuse, neglect, Acts of God, etc.
Yes, American Home Shield offers coverage for unknown pre-existing conditions under all three home warranty plans.
In general, home warranties offer coverage for older appliances; however, a company may consider the age of the item to determine the value of a replacement. Read your service contract for more information.
A home warranty will not cover something broken before the purchase and commencement of the coverage.
After purchasing a home warranty, the waiting period kicks in and usually lasts 30 days. Once it is over, you can start filing claims as per the guidelines given by the company. Post that the company will process your claim and make arrangements for fixes. In return, you are supposed to pay them a service call fee or deductible as per your plan.
