How to get home warranty company to pay what is owed?
Question Details: I bought a home warranty policy a few months after we bought our house. Both of my HVAC units went out while under the policy and I called the home warranty company to come out to have checked. Both units went out for different reasons and should have been covered under the warranty. The warranty company is now telling us that we need to provide 3 years worth of maintenance but we have not even lived here for 1 year so there is no documents to provide. They stated that they have the right to only provide us up to $150 per unit since we cannot provide this information. This is why we got a warranty to begin with. Do you have any suggestions on how I can at least get my policy amount reimbursed or how to get the claim to be paid?
Read the warranty you purchased: a warranty is a contract, and it is enforceable as per--but only as per--it's plain terms. If you believe that under the plain language of the warranty, they should pay more, you can sue them for breach of contract to get the money to which you are entitled. But if the warranty's terms support their position, there is probably nothing you can do; you likely bought a "bad" warranty, unfortunately, one that doesn't help you much, but you are legally held to the terms of the warranty you purchased.