After you have purchased a home warranty, at some point in the future, there is no doubt that you will file a claim with the company in question. Negotiating with the different companies can be a hassle, but most of the reputable ones will deal with you professionally, but the outcome concerning your claim may not make you happy. What I am talking about here is claim denial and this is where I am going to give you a few pointers.
One thing that you should remember is that any type of insurance company has to deal with a great deal of fraud, so they have many protections put in place to roadblock fraudulent claims or frivolous complaints. But these policies sometimes frustrate homeowners with legitimate claims.
Here is the first thing that you should remember.
When you call in to report your claim, you must remember that the person that you are talking to is just doing their job. You should make sure not to exaggerate your situation or have an unnecessary attitude with the representative. You will catch more flies with honey. Always remember that.
After you have calmly reported your claim, you need to consider the fine print on your policy. If your problem is due to neglect or improper installation, you may just be out of luck, but if you feel like your claim is legitimate and you feel like you are being dealt with unfairly or in an unprofessional manner, then you have another option that many people don’t think about.
If you purchased your home warranty at the closing of your new home, then you probably bought it from your real estate agent. And chances are, he or she has made a commission off of its sale. And that means that the real estate agent has a relationship with the company and you can use this to your advantage. Call them up and see if they can offer you some assistance. Mostly likely they will be a little reluctant but willing.…