Are Electrical Repairs Covered By My Home Warranty?

Home warranties can be lifesavers when it comes to unexpected repair costs. Many homeowners often wonder what is and what isn’t covered by their home warranty. In this blog post, we will be discussing whether electrical repairs are covered by your home warranty.

What is a home warranty?

A home warranty is a service contract that covers the repair or replacement of major systems and appliances in your home. Home warranties are typically purchased for a specific period and offer a variety of coverage options for different systems and appliances.

What is covered under a home warranty?

Typically, a home warranty covers major systems and appliances that need repairing or replacing due to normal wear and tear. These may include:

– Electrical systems
– HVAC systems
– Plumbing systems
– Appliances
– Hot water heaters
– Garage door openers
– Roofing

The extent of coverage can vary from policy to policy and may be dependent on the age, type, and condition of the item needing repair.

Are electrical repairs covered under home warranty?

Yes, electrical repairs are commonly covered under a home warranty. However, the extent of the coverage will vary depending on the policy. Home warranties typically cover repairs or replacement of electrical systems, wiring, and outlets that are damaged due to normal wear and tear.

What is not covered under a home warranty?

It is important to note that there are certain exclusions to what is covered under a home warranty. These exclusions typically cover items that have been poorly maintained or neglected by the homeowner. For example, if faulty wiring was installed by an unlicensed electrician, or if electrical damages were caused by the homeowner’s actions, such as a homeowner performing DIY electrical work, it would not be covered by a home warranty.

Additionally, home warranties may not cover electrical upgrades or code compliance issues. For example, if you want to upgrade the electrical system in your home or need to update your electrical system to comply with current building codes, this is likely not covered by your home warranty.

What should you do if you have an electrical issue in your home?

If you have an electrical issue in your home, the first step is to determine the cause of the problem. If it is an issue caused by normal wear and tear, contact your home warranty provider as soon as possible. Your warranty provider will send a licensed and trustworthy electrician to diagnose the problem and make the necessary repairs.

If the issue was caused by a homeowner’s action or faulty installation, your home warranty will likely not cover the repair. In this case, you will need to hire a licensed electrician to make the repairs or upgrades you need. It is important to ensure that you hire a trustworthy and licensed professional to ensure quality work and compliance with local building codes.

Conclusion

Electrical repairs are generally covered by home warranties, but the extent of coverage varies depending on the policy. It is important to read and understand your policy to ensure that you know what is and what is not covered. If you have an electrical issue in your home, the first step is to diagnose the cause of the problem. If it is covered by your home warranty, contact your provider as soon as possible. If it is not covered, make sure to hire a licensed and trustworthy electrician to make the necessary repairs.