Home warranty companies, decoded

Be ready before it breaks — and fight it right if they say no

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

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