Once you become a member and your coverage begins, you will receive a plan agreement that outlines the details of your coverage. When a covered item breaks down, you can easily place a service request and pay your service fee to have a repair Pro diagnose the issue and determine next steps.

So you know what is covered under your home warranty plan. Your plan agreement will outline all of the items covered and the coverage amounts. A home warranty is a great way to help reduce out-of-pocket costs when covered items break down, giving you more control over unexpected expenses.

A structural warranty (which you currently have) protects things like load-bearing walls, beams, and your foundation against structural defects for a certain number of years. It also provides performance standards for workmanship and distribution systems.

A home warranty (which you don’t have yet) protects important systems like your HVAC, as well as appliances like your fridge so when a covered item breaks down, it reduces out-of-pocket costs and makes it easy to get the repair help that you need.

A structural defect is defined as “actual physical damage to the designated load-bearing elements of the home caused by failure of such load-bearing elements, which affects their load-bearing functions to the extent that the home becomes unsafe, unsanitary, or otherwise unlivable.”

All four parts of this definition must be satisfied in order for a condition to qualify as a structural defect.

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