Out-of-network contractor


These instructions apply to the use of a non-network contractor (“Your Contractor”) to complete a claim with 2-10 Home Buyers Warranty (“2-10 HBW”). The selection of Your Contractor is your choice, but 2-10 HBW will only reimburse costs in accordance with your Service Agreement and these instructions. You must receive approval from 2-10 Home Buyers Warranty prior to engaging with a non-network contractor.

For your protection, Your Contractor must be licensed (as applicable) and fully insured or 2-10 HBW will not work with them. Your Contractor must charge fair, reasonable rates for the work.

(1) You must receive authorization prior to any work, other than the diagnosis, being performed. You will not receive reimbursement and will remain solely responsible for every cost arising from any work, services or equipment Your Contractor above the amounts indicated in 1a below, or any other company or individual, performs or provides without our express authorization, even for Covered Items that may otherwise be eligible for Service. To receive authorization, you must call 2-10 HBW at 1.800.775.4736 or complete the Outside Contractor Invoice Submission form through Homeowner Portal.

  1. You are authorized for the following dollar amounts, specific by trade, without receiving additional authorization for the diagnosis and any repair work that can be completed within this dollar limit: Heating or Air Conditioning $300, Appliances $250, Plumbing $200, Water Heater $300 and All Other Trades $150.

(2) 2-10 HBW must be able to review Your Contractor’s detailed diagnosis and estimate. Examples of the details needed by 2-10 HBW include: a description of the failed components, cause of failure, model number, serial number, applicable part number(s), itemized costs for each labor and part component of the estimate and other relevant information related to the failure.

(3) 2-10 HBW has sole discretion as to the scope of repair to, or replacement of, the eligible system or appliance based on the provisions of your Service Agreement. 2-10 HBW will not authorize replacement when we determine repairs will bring the system or appliance into working condition.

(4) 2-10 HBW reserves the right to ask for more information from Your Contractor and/or request an additional opinion from another Contractor if the information Your Contractor provides is incomplete or inconsistent with 2-10 HBW’s institutional experience. 2-10 HBW is not obligated to obtain additional information or opinions under any circumstances. Additional information or opinions may cause delays in service.

(5) If 2-10 HBW determines that the failure is eligible and provides authorization to complete the necessary repair or replacement, work may begin. You are responsible to pay Your Contractor for the work performed and then apply to 2-10 HBW for reimbursement.

(6) To apply for reimbursement, you must complete the Outside Contractor Invoice Submission form through Homeowner Portal, and submit copies of Your Contractor’s itemized diagnosis (i.e., failure, parts cost, labor cost) and your cash, check or credit card receipt. For security purposes, please redact personal credit card or bank account information before submission.

(7) Any reimbursement issued will be reduced by the amount of your Service Fee, and will not include payment for any expenses or work that exceeds the scope of authorization and/or the coverage described in your Service Agreement.

(8) 2-10 HBW has negotiated rates with parts suppliers and Service Contractors in our network. Your Contractor will likely charge retail rates, which can be much higher for both labor and equipment. If you choose to use Your Contractor despite 2-10 HBW having Service Contractors in your area (for example, you prefer not to wait for an available appointment with a Service Contractor), 2-10 HBW will only reimburse the amount we would have paid a Service Contractor from our network to complete the repair or replacement with 2-10 HBW supplied equipment and you will be solely responsible for the difference in price related to the use of Your Contractor.

Consumer Affairs Avid Ratings BBB