9 reasons a home warranty claim might be denied

9 reasons a home warranty claim might be denied
A home warranty is beneficial because it covers the damages to various home appliances and systems for a monthly premium. But it is worth noting that the plan is only valid if customers abide by its terms and conditions. Insurance providers may refuse a claim if someone overlooks their rules and guidelines. Knowing why a home warranty claim could be denied can help one be more careful and avoid losses. Cosmetic damage A home warranty might cover only those damages to a particular system or appliance that prevent it from functioning. The damage should be such that it renders the product inefficient. For instance, dents and scratches to the casing of an appliance are considered cosmetic damages that do not affect its working. Even blemishes on knobs, shelves, dials, and other accessories fall under this category. Individuals who want to repair cosmetic damages will have to bear the expenses themselves. Lack of maintenance Appliances and systems only qualify for home warranty coverage if serviced regularly. The lack of proper maintenance might void the warranty, even if the product is covered in the contract, and one’s claim will be denied. If an individual has maintenance records to show following a denial, they could file an appeal.

Home warranty – Process, costs, and top providers

Home warranty – Process, costs, and top providers
Home warranty plans are special service contracts that cover the cost of repairing or replacing major home appliances. These plans can be purchased directly from a home warranty company to provide an extra layer of financial protection and the convenience of connecting with affiliated contractors to fix problems promptly. Unlike a homeowner’s insurance and the manufacturer’s warranties, home warranty plans cover system and appliance malfunctions that do not fall under any of the other categories. What does a home warranty plan cover? Coverage for home warranty plans differs greatly from one plan to the next. Generally, they include wear and tear of HVAC systems, plumbing systems, electrical systems, refrigerators, dishwashers, washers, dryers, ovens, stoves, garbage disposal, water heaters, etc. However, home warranty plans may not cover things that are already covered by manufacturer’s warranties. What is the process of filing a home warranty claim? Here’s the process of filing a home warranty claim in case of an appliance malfunction or breakdown: 1. Check the coverage Since every home warranty plan is different, one needs to be aware of exactly what is covered. In every service contract, this information is listed under the coverage overview, which describes what the warranty will address, how, and what is excluded from coverage.

7 obvious signs indicating the need for home renovations

7 obvious signs indicating the need for home renovations
No matter how sophisticated or modern your house is, a little TLC now and then is necessary to maintain the property and ensure all its occupants are safe. You can ideally schedule a thorough home inspection where professionals point out some of the more glaring problems to tackle. But, even without that, some obvious signs of damage in and around the house will likely indicate the urgent need for a full home renovation. Water damage Water damage is a major sign of trouble that you should not ignore. A leak will result in additional problems, including growing mold, rotten materials, and rust. Water damage is common along the sidewalls and the roof, where the materials are constantly exposed to the weather, and major issues like roof leaks can result in costly repairs. If you spot a small leak in any of these areas, call a handyperson to assess its severity. Often, spotting a problem early eliminates the need for expensive repairs. The floor space is compromised The foundation of the house tends to weaken over time due to the weight and pressure on it. If you notice some of your furniture looking out of place or angled, check the floorboard underneath for damage.

Top 11 mistakes to avoid while getting a home loan

Top 11 mistakes to avoid while getting a home loan
Perhaps nothing is more comforting than having one’s home to return to at the end of a tiring day and to relax with loved ones. However, buying a home in the face of inflation and economic instability is no less than a mirage for most. On the bright side, taking home loans from reliable sources can help fulfill this dream. Here are some common mistakes home buyers should avoid while availing themselves of home loans: Not checking or improving credit score One’s credit score determines any moneylender’s ability to sanction a loan. An individual’s credit score is calculated considering various criteria, including one’s payment history, credit mix, and the total amount one owes. Therefore, it is important to check one’s credit score; if the scores are low, one should take the necessary steps to enhance this score, such as paying credit card debts on time, before applying for a home loan. Not understanding one’s capability to repay the loan Often, individuals cannot return the borrowed amount because they have overestimated their capability to repay their home loan. Such challenges typically stem from miscalculating the amount payable, including the interest rates applied to the principal amount. While applying for a home loan, one should check out one’s repayment capability vis-a-vis the aggregate amount repayable and the time it would take to repay it.

10 essential cleaning tools every home should have

10 essential cleaning tools every home should have
If you’re planning to move to a new place or simply want to upgrade your cleaning supplies, there are some essential tools that you should keep within reach. These items will simplify your cleaning tasks and reduce your stress levels. Whether you enjoy cleaning or not, possessing these necessary tools will enhance your productivity and speed. Moreover, they are affordable and won’t put a dent in your wallet. Read on to learn more. Microfiber dusters Cleaning delicate and breakable items such as photo frames, light fixtures, and other knick-knacks with a cloth can be tricky. If you use a cloth, you know how troublesome it is to wipe it. To avoid damaging these delicate items while cleaning, use microfiber dusters. These are made of fine microfiber strands that lift off dust easily. Moreover, these are light and fluffy. You can simply use the handle to clean off everything without moving them. So there is no risk of breaking or damaging. Pan scrapers Sometimes you may forget to grease a baking dish or set a timer while cooking. This could lead to food residue sticking to the bottom of the pan with such intensity that aggressive scrubbing also does not help.

Top 5 real estate sites for finding affordable homes

Top 5 real estate sites for finding affordable homes
Today, finding properties for sale can be easy, thanks to the plethora of online real estate platforms. Whether you are looking for a dream home or an investment opportunity, the Internet is one of the best ways to find real estate listings. However, to make an informed decision, you should choose the right platform based on your preferences. Here, examining the unique features of top platforms can help you find the most suitable option. Zillow Zillow is one of the giants in the online real estate industry, as its user-friendly interface and comprehensive property listings make it a go-to platform for buyers and sellers alike. Zillow lists a vast array of property types, from single-family homes to condos and apartments, catering to a diverse range of preferences. You can explore homes for sale, for rent, and even recently sold properties, providing a comprehensive view of the market. Key features: Zillow provides an assortment of search filters, enabling you to narrow down your options based on budget, location, and property type. To find budget-friendly homes, set a desired price range, and the platform will present a curated list of properties that fulfill your search criteria. Zillow’s renowned Zestimate feature provides estimated property values, helping buyers gauge whether a property is priced competitively.

Our
Blog.

5 styling ideas for women over 60

5 styling ideas for women over 60

Age is a number when setting a true style statement. Regardless of anyone’s perception, just because you are reaching the 60s doesn’t imply to stop working on your appearance and renounce your desires to look fabulous. Fashion is not just merely about trends; it is about how you express yourself through clothes as the myths of age must not limit your expression. So, here are a few best styling ideas for women over 60: Embrace your age One of the most typical fashion mistakes people make is choosing outfits that are supposed to make them appear younger than their actual age. The problem with such a choice is that you are paradoxically accentuating your age when you try to look younger by wearing an outfit that will be more appropriate for youngsters. For example, if you don high heels, short skirts, or flashy fashions that might be more appropriate for a person half your age, you are indirectly making yourself appear “older.” Instead, you can opt for clothes that are specially tailored for women your age. Sporting “age-appropriate” dresses will conceal your age and make others appreciate your other features like glowing skin or your build. And consequently, you will appear much younger than your actual age.
Read More
5 tips to prevent and manage ulcerative colitis

5 tips to prevent and manage ulcerative colitis

Ulcerative colitis is a long-term inflammatory disease that triggers inflammation and ulcers in the digestive system. It impacts the colon and rectum’s innermost lining. The symptoms are typically produced over a period rather than unexpectedly. According to the latest studies, about 1 million people have ulcerative colitis, and if left untreated, it can be crippling and cause life-threatening conditions. So, here are 5 tips to prevent and manage ulcerative colitis: Get on with the treatment plan immediately Even though there is no concrete cure for ulcerative colitis, proper treatment can help ease the symptoms and signs of the condition and eventually provide long-term remission. If a patient feels that their bowel habits are consistently changing or if they experience any of the following symptoms and signs, they should immediately consult a doctor: Blood in stool Ongoing diarrhea that is not getting cured by any other types of treatments An unknown fever going on for more than a day or two Abdominal pain Diarrhea that wakes up the patient from sleep The treatments prescribed by the doctor will typically include a combination of oral therapy or surgery. As far as oral treatments are concerned, the doctor may prescribe any of the following types of therapies, depending on the patient’s existing condition:
Read More