HomeWarrantyAppeal.com
Free checklist

Home warranty claim denied? Don't take the first no as final.

Whether your plan is with Choice Home Warranty or another company, a denial is often the first answer, not the last. What you save and send in the next 48 hours decides how strong your appeal will be.

  • Written for homeowners, in plain English
  • Works with any home warranty company
  • Free. Arrives in your inbox in a minute.

Get the first-48-hours checklist

Two printable pages. What to do in the first 2 hours, today and tomorrow, and what not to do.

We'll email you the checklist and an occasional note about appealing a denial. Unsubscribe any time. Privacy & disclaimer

The six reasons claims get denied

Most denials point to one of these. Each one has a different answer, and the checklist shows you what to gather for yours.

"Pre-existing condition"The company says the problem started before your coverage did.
"Lack of maintenance"They say the item failed because it wasn't cared for.
"Not a covered part"The appliance is covered, but they say the part that failed isn't.
"Code or upgrade issue"The repair needs work to meet building code, which they won't pay for.
"Over your coverage limit"A dollar cap applies. A cap lowers what they pay; it doesn't mean zero.
"Improper installation"They blame how the item was originally put in.

What the checklist walks you through

In order, so nothing gets lost while you're dealing with a broken furnace or a leaking water heater.

First 2 hours: save the evidence

The denial, photos of the failed item and its serial plate, the technician's name, and a call log.

Today: get the reason in writing

The exact email to send asking for the tech report, the contract section they used, and the appeal deadline.

Tomorrow: build your case

An independent technician's statement, what to do if the repair can't wait, and who regulates warranties in your state.

Questions

Is this legal advice?

No. It's general information to help you organize your claim and ask the right questions. Contracts and state rules differ. For a large loss or a court case, speak with a consumer lawyer.

Are you connected to Choice Home Warranty or any other company?

No. HomeWarrantyAppeal.com is independent and isn't affiliated with, endorsed by or paid by any home warranty company.

Does it cost anything?

The checklist is free. We may tell you about a paid appeal kit later; you're never obligated to buy anything.

My denial was weeks ago. Is it too late?

Not necessarily. Many contracts allow an appeal or a complaint well after the first denial. The checklist shows you where to find your deadline.

Get the free checklist