Most home warranty coverage covers normal wear and tear.......meaning no matter how old the system is they cover normal wear. Do you have the fine print for your policy to see if there is something in it that excludes normal wear and tear? Also, there is a waiting period when new to a policy to get full coverage.....I assume you are well beyond that date.
I would be digging up my policy and reading every last word about now. All insurance is a gamble, and the only person that can ever lose is the insured. The insurer never takes a loss. That goes for all insurance. Overall the insurance company will always come out ahead....they have to in order to stay in business. If your policy states they cover normal wear and tear that means when the unit is worn out they cover it unless the fine print gives more information like normal wear and tear is covered up to the average life expectancy of the unit. They may have defined time limits for different appliances.......you will be on the hook for any changes, or upgrades to any non covered part of the system .
I once had a life insurance policy that was advertised as a normal life insurance policy. I was reading the fine print one day and found where they only cover you if you die in a certain manner. The policy only covered you for that one way to die. I let them know they needed to make that clearer up front as the policy was sold misleading you to believe it covered all forms of death. I paid on that policy far too long but learned my lesson and canceled it.....but, if I would have died on a Friday with a full moon and been wearing green socks I was covered!!
I would be digging up my policy and reading every last word about now. All insurance is a gamble, and the only person that can ever lose is the insured. The insurer never takes a loss. That goes for all insurance. Overall the insurance company will always come out ahead....they have to in order to stay in business. If your policy states they cover normal wear and tear that means when the unit is worn out they cover it unless the fine print gives more information like normal wear and tear is covered up to the average life expectancy of the unit. They may have defined time limits for different appliances.......you will be on the hook for any changes, or upgrades to any non covered part of the system .
I once had a life insurance policy that was advertised as a normal life insurance policy. I was reading the fine print one day and found where they only cover you if you die in a certain manner. The policy only covered you for that one way to die. I let them know they needed to make that clearer up front as the policy was sold misleading you to believe it covered all forms of death. I paid on that policy far too long but learned my lesson and canceled it.....but, if I would have died on a Friday with a full moon and been wearing green socks I was covered!!
![[-]](https://www.alpharomeo15.org/images/roundo/collapse_collapsed.png)
