The free tool

The home warranty denial decoder

Your home warranty company said no, and the letter gives a reason in contract language. Pick the exact reason below: what it actually means, whether it's fightable, and the first move — before you call anyone.

The denial-reason decoder

Read the reason on your denial letter — the exact words — and pick it below. Nothing is uploaded.

The six reasons, at a glance

Pre-existing condition

Pick this reason in the decoder above for what it means, whether it is fightable, and the first move.

Lack of maintenance

Pick this reason in the decoder above for what it means, whether it is fightable, and the first move.

Improper installation

Pick this reason in the decoder above for what it means, whether it is fightable, and the first move.

Code violation

Pick this reason in the decoder above for what it means, whether it is fightable, and the first move.

Coverage limit (cap) exceeded

Pick this reason in the decoder above for what it means, whether it is fightable, and the first move.

Item not covered

Pick this reason in the decoder above for what it means, whether it is fightable, and the first move.

One rule before any appeal

Get the denial in writing, with the contract section cited. A phone "no" can't be appealed; a written denial with a section number can — and companies must answer it. If the agent won't put it in writing, that request itself goes in your appeal.

The decoder names the fight. The kit runs it.

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.