The language of home warranty agreements can be just as confusing as in home insurance policies. However, wading through the complex legal jargon of these documents is well worth the effort. Home warranties provide fantastic protections and benefits for homeowners with aging home appliances and systems. If you have a warranty for your Joplin, Missouri home, here’s how to determine if your HVAC system is included.
Determine Which Type of Home Warranty You’ve Purchased
The first and most important thing to note about home warranties is that not all these agreements cover HVAC systems. Unlike refrigerators, ovens, and washing machines, HVAC systems aren’t considered home appliances. Instead, due to their complexity and higher cost, warranty companies class them with electrical and plumbing systems.
There are three primary types of home warranties available. The first and lowest priced home warranty type is an appliance-only warranty. This agreement will cover the repair and reasonable replacement costs of your clothes dryer, built-in microwave, trash compactor, and other standalone appliances like them.
If you’re confident that you can manage the repair and replacement costs for these things on your own, you can purchase a systems-only home warranty instead. This agreement will cover repair and replacement costs for electrical, plumbing, and HVAC systems. However, if you want protection for both systems and appliances, you can pay a bit more to get a combined home warranty that offers comprehensive protection.
Some home warranty companies only offer policies covering appliances and systems, and some only provide appliance-only products. However, in all cases, you’ll have the ability to add protection for additional asset types that are specific to your home. For instance, if you have a hot tub that you’d like to protect, you may be able to add this in.
When purchasing a home warranty plan, it’s essential to consider which items are included in your basic warranty agreement and which items must be added as options. In addition, before paying your annual premium and signing your warranty agreement, it’s always a promising idea to ask whether your HVAC system will be covered and to what extent.
Why Your Combined or Systems-Only Warranty Might Not Cover Your Repairs
Even when home warranties include HVAC systems, this is not a guarantee that home warranty companies will pay for all repairs. There are several reasons why repair and replacement requests might be denied, including:
- Failure to perform adequate maintenance
- Repair requests are submitted before mandatory waiting periods have ended
- Homeowners have altered or upgraded covered appliances or systems
- Homeowners have allowed unlicensed parties to perform work on covered items
Many homeowners are also confused about the purpose of their home warranty plans. Unlike home insurance designed to cover damages caused by unexpected events such as floods, fires, and storms, home warranties are intended to cover damages caused by the inevitable: normal aging and normal wear and tear.
Purchasing a home warranty plan to supplement the protections provided by your home insurance plan helps cover extra costs. However, purchasing and maintaining a home warranty instead of homeowner’s insurance could leave you paying for expensive repairs out of your pocket.
What to Do if You Have an Appliance-Only Warranty
If you’ve already purchased a home warranty but have appliance-only coverage, you can purchase a new warranty agreement that offers systems-only coverage. This is also true if you recently purchased a home that came with a transferable home warranty. Again, you can talk with the home warranty that issued the original agreement to determine the best and most cost-effective way to enhance your available protections.
However, when purchasing a new warranty agreement for the sole purpose of protecting your HVAC, you must do so before you need replacement or repair support. In addition, all home warranties come with a mandatory waiting period. For most, this period lasts 30 days from the date that warranty agreements are signed. Throughout this time, any problems that develop will have to be paid for you out-of-pocket.
HVAC Ductwork and Your Home Warranty
Home warranties don’t include HVAC ductwork. Damaged ductwork is the responsibility of homeowners. However, although your air ducts aren’t part of your warranty plan, your warranty company still requires you to keep HVAC ducting in good condition. If hired contractors report build-ups of dirt, leaky ducts, or otherwise ill-maintained ductwork, your agreement may be voided. All home warranties require consumers to practice reasonable maintenance to prolong the lifespans of their appliances and systems and limit their repair costs.
When you need HVAC repair or replacement services, Lyerla Heating & Air is the company to call. We also offer ductless, heating and cooling, geothermal solutions, and indoor air quality service. Contact us now to request a quote or to schedule an appointment.