The free tool

The home warranty claim-readiness checker

Six questions in, a straight answer out: ready, shaky, or likely denied — and why, mapped to your own company's contract. Plus the cap reality check: what your plan would actually pay if the unit died today, against what a replacement costs.

The claim-readiness checker

Plain questions. No upload, nothing leaves your browser — we never ask for your contract.

New plans usually have a waiting period (often 30 days) before anything is covered. Plans that came with a home purchase often start at closing — check your paperwork.

How the score works

The evidence score (out of 100) weighs the three things companies reach for first: maintenance records (40) — the receipts that answer a "not maintained" denial; a move-in baseline (30) — the inspection report and dated proof the unit worked when your plan started, which answers "pre-existing"; and dated unit proof (20) — photos and serial numbers that pin down what you own and when. The last 10 points are simply for checking before you call: most holders never do.

Two things override the score: filing inside the waiting period (most new plans cover nothing for the first 30 days), and the cap — a plan limit below the replacement cost means money out of your pocket even on an approved claim. Both are computed from your company's published sample terms, dated on each company page. Your issued agreement controls.

The checker finds the gaps. The kit closes them.

Included in the $39 WarrantyDecoded Kit

  • The evidence-file system — the day-one baseline file (photos, serial numbers, inspection report) that makes 'pre-existing' hard to claim
  • Maintenance logs organized by denial reason — each log page names the denial it defeats ('not maintained' dies when the records exist)
  • The claim-call script — what to say when you call a claim in, and the things to never say on a recorded line
  • The denial-appeal ladder — written appeal, escalation, your state's correct complaint door, and the arbitration/small-claims routing your contract actually allows
  • The cash-out worksheet — their 'actual cost' check vs. the real replacement price, so you know the gap before you accept it
  • The renew-or-cancel worksheet — caps against the replacement cost of YOUR oldest systems, with the numbers filled in
Get the WarrantyDecoded Kit — $39

One payment. Yours to keep. For any home warranty company, any plan.