Paste the denial and the contract language — or type what they said. In a few seconds you get whether the denial reason holds up against your contract and Florida's rules, the appeal to send, the escalation ladder, and the state complaint. No account. Nothing stored.
Free — takes 30 seconds
What broke, what the company or its contractor said, the exact denial reason if you have it, what your contract says about that item and about exclusions, how long you've had the plan, and what you've paid (premiums and the service fee).
Why this exists
Most denials rest on a one-line technician note and a contract nobody re-read. Florida licenses these companies and makes them answer the state. A written appeal that quotes the contract, attaches the receipts and copies the regulator changes the conversation. This writes it.
How it works
What broke, what they said, what the contract says, what you've paid. Nothing is saved.
The reason against the contract and the law, the evidence that overturns it — in English or Spanish.
The appeal, the DFS complaint, the second-opinion script and the small-claims checklist, in the full version.
Plans
The free version tells you whether the denial holds and what to attach. The kit writes the appeal, the regulator complaints, the second-opinion script, the cash-in-lieu demand and the small-claims checklist.
Every renter and homeowner tool, one membership — leases, deposits, repairs, HOA notices, mortgage hardship, home-warranty fights, AC and lawn quote checks.
All prices in USD, handled by Stripe. The free check never goes behind a paywall.
Common questions
The first look is free and nothing you paste is stored, per the tool's own disclaimer. If you want the full write-up, the Appeal Kit is $9 per claim, and there's a $99/month plan for brokerages, counselors and consumer offices. No account is required either way.
Those are the two denial reasons most often overturned, but your contract's own language controls what's owed — this tool cannot promise a result. For 'improper maintenance,' ask in writing for the technician's own report, and gather filter/service receipts, photos, and a second opinion from a licensed HVAC contractor. For 'pre-existing,' pull the home inspection from when you bought the house and any inspection or waiver the plan itself required.
Date it, list the contract number, the item and failure date, and quote the denial reason word for word next to the contract's coverage language. Explain why the exclusion they cited doesn't apply to your facts, attach your evidence, and ask for approval, cash-in-lieu, or a written explanation citing the specific contract section — with a 7–10 day deadline. Say plainly that you'll file a Florida DFS complaint if it isn't resolved. Keep it polite and specific, no insults.
Go up the ladder: written appeal, then the claims supervisor, then a Florida Department of Financial Services complaint (1-877-693-5236) — DFS forwards it to the company, which must answer in writing. If that stalls, BBB and the Florida Attorney General, then small claims court for disputes up to $8,000 (Florida Courts). For a large claim or a pattern of denials, a Florida consumer attorney may take the case under Florida's Deceptive and Unfair Trade Practices Act.
No — Home Warranty Claim Fighter is not a lawyer, it can be wrong, and it never guarantees payment. Your contract's exact wording controls what's owed, so read it, and for a large claim or repeated denials talk to a Florida consumer attorney.
La primera revisión es gratis y no se guarda nada de lo que usted pega, según la propia aclaración de la herramienta. Si desea el informe completo, el Kit de Apelación cuesta $9 por reclamo, y hay un plan de $99 al mes para corredurías, consejeros y oficinas de consumidores. No se necesita crear una cuenta en ningún caso.
Esas son las dos razones de negación que más se revierten, pero el texto de su propio contrato es lo que determina qué se debe — esta herramienta no puede prometerle un resultado. Para 'mal mantenimiento', pida por escrito el informe del técnico y reúna recibos de mantenimiento y de filtros, fotos, y una segunda opinión de un contratista de HVAC con licencia. Para 'preexistente', busque la inspección de la casa de cuando la compró y cualquier inspección o exención que el propio plan haya exigido.
Póngale fecha, el número de contrato, el artículo y la fecha de la falla, y cite textualmente la razón de la negación junto al lenguaje de cobertura del contrato. Explique por qué la exclusión que citaron no aplica a su caso, adjunte sus pruebas, y pida la aprobación, el pago en efectivo en lugar de la reparación, o una explicación por escrito que cite la sección exacta del contrato — con un plazo de 7 a 10 días. Diga claramente que presentará una queja ante el Departamento de Servicios Financieros de la Florida (DFS) si no se resuelve. Manténgala cortés y específica, sin insultos.
Suba la escalera: apelación por escrito, luego el supervisor de reclamos, luego una queja ante el Departamento de Servicios Financieros de la Florida (1-877-693-5236) — el DFS la reenvía a la compañía, que debe responder por escrito. Si eso no avanza, acuda al Better Business Bureau y a la Fiscalía General de la Florida, y luego a la corte de reclamos menores para disputas de hasta $8,000 (Tribunales de la Florida). Para un reclamo grande o un patrón de negaciones, un abogado de consumidores de la Florida podría tomar el caso bajo la Ley de Prácticas Comerciales Engañosas y Desleales de la Florida.
No — Home Warranty Claim Fighter no es un abogado, puede equivocarse, y nunca garantiza el pago. El texto exacto de su contrato es lo que determina qué se debe, así que léalo, y para un reclamo grande o negaciones repetidas, consulte con un abogado de consumidores de la Florida.
Built by the same team, free to try.