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How to Actually Use Your Home Warranty (And Avoid Getting Your Claim Denied)

Dated: September 18 2026

Views: 82

The #1 Rule: Call Us Or the Warranty Company FIRST

If something breaks — furnace, fridge, water heater, A/C — your first call must be to the home warranty company.

Not a local repair tech. Not a handyman. Not a neighbor who “knows HVAC.”

If another contractor touches the item first, the warranty company can void the claim. We’ve seen it happen.

If you don’t know your warranty company’s number, call us — we keep that info for our clients.

Service Call Fees

Most warranties charge a fee (usually $75–$125) each time you request service. It’s similar to a doctor copay — small compared to the cost of a full repair or replacement.

Coverage Limits

Warranties don’t cover 100% of replacement costs. Each item has a maximum payout. But even partial coverage can save thousands.

Tips for Rental Properties

If you’re a landlord:

  • Teach tenants the correct process.

  • Require immediate reporting of issues.

  • Make sure they know not to call outside contractors.

Warranties reduce emergency repair stress and protect your bottom line.

Why We Help Our Clients With Claims

We track warranty info, remind clients before expiration, and help them understand what’s covered. We want homeowners to get the full benefit of their coverage.

Blog author image

Bonnie and Josh Sherman

We’re Bonnie and Josh Sherman — a mother‑and‑son real estate team proudly serving Northern Colorado. As lifelong Greeley natives, we’ve watched Weld and Larimer counties grow into the thrivi....

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