The contractor will tell you that it is 5,000 dollars. Your deductible is $500. So, you will pay the deductible and your home warranty will cover the rest. Depending on how your contract is set up, you may only have to pay this one for the year or you may have to pay it based on the amount of the repair. For example, now that you spent the $500 and the septic was replaced, your hot water heater has begun to leak. Your home warranty may cover it since you have already paid the deductible for the year, or you may need to pay another share of the deductible. It is very important that you read the fine print so that you are clear as to what the warranty covers and what the cost of your deductible is. The contract is the legal agreement between you and the home warranty company. It means that they are legally required to hold up to their end of the agreement. It also means that you must uphold yours. The fine print will let you know all the costs, the procedures, and the requirements you are responsible for. Even HVAC technicians may forget to clean the drain during a regular service call, which means that it's up to you to check and clean the condensate pan and drain line before a problem develops. Cleaning the line will remove clogs and blockages and prevent algae and mold from growing. 1. Turn off the power to your HVAC system at the thermostat and at the breaker. 2. If you have an indoor air handler in your attic or utility closet, you'll need to find the condensate pan.
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I paid $375 for the plan and $75 for each service call.