Home Structural Warranty Claim
Jackson Mississippi Denial of New Home Structural Warranty Claim
Many buyers of new homes believe they are protected by new home structural warranties. Yet, according to the New York Times, some of these warranties may not always be honored. Homeowners may find themselves paying for structural repairs when their home structural warranty claims are denied. Individuals may be attracted to buying new houses protected by warranties because they believe that the houses may be better built. But, in some cases, when defects appear, homeowners may have difficulty collecting a claim.
Part of the problem with some new home structural warranties is that builders may claim that the warranties cover much more than the policy contracts may, in fact, cover. Because the warranties are often purchased by builders and not by consumers, consumers may not always be aware of what is and isn’t covered. Builders tell consumers about the warranty when the house is sold. However, if builders or sellers misrepresent the scope of the warranty, customers may find themselves at a loss when the time comes to make a claim. If your home has a structural defect and you are trying to make a home structural warranty claim in Jackson, Mississippi, you may want to speak to a lawyer. An attorney can review your warranty contract, take a look at how your warranty was presented to you during the sale of your house, and determine whether you have a case. Heilman Nisbett Polk are homeowner’s insurance claim denial lawyers in Jackson, Mississippi who may be able to assist you.
How to Protect Yourself from a Denial of Builders’ Structural Warranty Claim
The best way to protect yourself from a denial of builders’ structural warranty claim is to do your homework before buying a house. If your seller tells you that the home has a warranty, ask to see the policy before making a purchasing decision.
What to Look For
Know what is and isn’t covered in the policy. Be aware that many home structural warranties are limited in scope and may not cover everything. Prospective buyers should take steps to protect themselves and their investment by having the home inspected before purchase and making sure to take out proper homeowner’s insurance to cover floods, disasters, and other damage.
Be Wary of What You're Signing
Homeowners should always ask builders to outline clearly what is and isn’t covered—in writing. Be wary of signing any documents in the closing that could limit your demands should you make a warranty claim. Unfortunately, many homeowners only look at their warranty and contract after they experience a problem.
Make a Claim in Writing
If you do need to make a claim, you may want to do so in writing, and with an understanding of what your new home structural warranty insurance covers. You may also want to write to the builder, explaining the problems you are encountering. After all, if the problems stem from defects in workmanship or construction, your builder may be able to assist you. Some coverage only will protect you if cosmetic damage occurs.
Heilman Nisbett Polk is a homeowner’s insurance claim denial lawyer in Jackson, Mississippi who may be able to assist you.
Heilman Nisbett Polk understands the challenges homeowners face when they need to make repairs when their home is damaged. Our firm will review your case and help you better understand your rights.
