Owning a home is a big deal. You want to protect your investment, and a property warranty can help with that. But many homeowners don’t realize how easy it is to lose that protection. One small mistake can leave you paying out of pocket for repairs you thought were covered. Understanding how to keep your property warranty valid is important. If you’re not careful, you could void your warranty without even knowing it. Here are seven common ways homeowners accidentally void their property warranty—and how you can avoid them.
1. Making Unauthorized Repairs
It’s tempting to fix things yourself or hire a local handyman when something breaks. But most property warranties have strict rules about who can do repairs. If you use someone who your warranty provider doesn’t approve, you could lose your coverage. Always check your warranty documents before starting any repair. If you’re not sure, call your warranty company and ask. Using unauthorized contractors is one of the fastest ways to void your property warranty. Even small repairs, like fixing a leaky faucet, can cause problems if you don’t follow the rules.
2. Failing to Perform Regular Maintenance
Property warranties often require homeowners to keep up with regular maintenance. This means things like changing air filters, cleaning gutters, and servicing your HVAC system. If you skip these tasks, your warranty provider might deny your claim. They can say the problem happened because you didn’t take care of your home. Keep records of all maintenance work, even if you do it yourself. Receipts and logs can help prove you did your part.
3. Using Non-Approved Parts or Materials
When something needs to be replaced, it’s easy to grab the cheapest part from the hardware store. But using non-approved parts or materials can void your property warranty. Many warranties require you to use specific brands or types of materials. This is especially true for things like roofing, plumbing, and electrical work. If you’re not sure what’s allowed, ask your warranty provider before making any changes. Saving a few dollars now can cost you much more later if your warranty claim is denied.
4. Renovating Without Notifying the Warranty Provider
Home renovations are exciting, but they can also be risky for your property warranty. If you make major changes to your home—like adding a room or remodeling the kitchen—without telling your warranty company, you could lose your coverage. Some warranties require you to get approval before starting any big project. Others may need to inspect the work when it’s done. Always read your warranty agreement before starting renovations. If you’re planning a big project, call your provider and ask what you need to do to keep your property warranty valid.
5. Ignoring Small Problems
It’s easy to ignore a small leak or a flickering light. But small problems can turn into big ones if you don’t fix them right away. Many property warranties require you to report issues as soon as you notice them. Waiting too long can give your warranty provider a reason to deny your claim. They might say the damage got worse because you didn’t act quickly. If you see something wrong, report it right away. Quick action can save you money and keep your property warranty in good standing.
6. Not Following Manufacturer Instructions
Appliances and systems in your home come with manufacturer instructions for a reason. If you don’t follow these instructions, you could void both the manufacturer’s warranty and your property warranty. This includes things like installing appliances correctly, using the right cleaning products, and not overloading electrical circuits. Always read the manuals and follow the guidelines. If you’re unsure about something, ask a professional.
7. Letting Coverage Lapse
It sounds simple, but forgetting to renew your property warranty is a common mistake. If your coverage lapses, even for a day, you might not be able to get it back. Some companies have waiting periods or may refuse to cover pre-existing issues. Set reminders for renewal dates and pay attention to any notices from your warranty provider. Keeping your property warranty active is the easiest way to make sure you’re protected when something goes wrong.
Protecting Your Warranty Means Protecting Your Home
A property warranty is there to help you when things break or go wrong. But it only works if you follow the rules. Making unauthorized repairs, skipping maintenance, or ignoring small problems can all void your property warranty. Using the wrong parts, renovating without approval, or letting your coverage lapse are also risky. Take the time to read your warranty agreement and ask questions if you’re unsure. Keeping your property warranty valid isn’t hard, but it does take a little attention. In the end, it’s worth it to protect your home and your wallet.
Have you ever lost warranty coverage because of a simple mistake? Share your story or tips in the comments below.
Read More
Why Your Homemade Cleaning Spray Might Be Destroying Your Air Quality
Why You Should Be Terrified of What’s in Your Tap Water
The post 7 Ways Homeowners Accidentally Void Their Property Warranty appeared first on Clever Dude Personal Finance & Money.
