Home Warranty Draft Terms

1. Plan Types

ArmorTech may offer Appliance Shield, Tech Shield, Home Protection Plus, Rental & Property Plans, Maintenance Add-Ons, Commercial Bundles, and Custom Plans.

Each plan must identify the covered property, covered items, service area, plan term, claim limits, service fees, exclusions, and customer responsibilities.

2. Example Service Fees

Draft service fees may include a per-claim service fee, diagnostic fee, trip fee, deductible, or dispatch fee. Example draft service fee ranges:

• Standard appliance or electronics claim: $75 to $125 per claim.
• Commercial or property account dispatch: quoted or account-specific.
• After-hours, emergency, or extended-distance service: additional approval required.
• Mail-in diagnostics: separate intake, shipping, and evaluation terms may apply.

3. Example Claim Limits

Draft claim limits must be stated clearly in the final plan. Example structure:

• Per-claim repair limit: stated in the final plan.
• Per-covered-item annual limit: stated in the final plan.
• Total annual aggregate plan limit: stated in the final plan.
• Replacement reimbursement limit: capped by written plan terms.
• Parts sourcing limit: capped by availability and plan terms.
• Commercial, rental, and custom plans may use account-specific limits.

4. Covered Failure Standard

A covered failure generally means a listed covered item fails due to normal wear and tear during the active plan period, subject to exclusions, limits, diagnostics, parts availability, service area, and written plan terms.

5. Common Exclusions

• Pre-existing failures or known issues before plan start.
• Improper installation, code violations, or unsafe conditions.
• Cosmetic damage, dents, scratches, missing trim, or non-functional appearance issues.
• Abuse, misuse, neglect, physical damage, liquid damage, fire, flood, lightning, theft, vandalism, infestation, or environmental damage.
• Customer disassembly, unauthorized repair, altered wiring, missing parts, or prior repair damage.
• Consumables, filters, batteries, bulbs, remotes, accessories, hoses, belts, seals, gaskets, and routine maintenance unless specifically listed.
• Manufacturer recalls, class actions, known defects, or manufacturer-covered issues.
• Commercial use under a residential plan unless expressly approved.
• Any item not specifically listed as covered in the final plan.

6. Customer Duties

• Report failures promptly.
• Provide model numbers, serial numbers, photos, symptoms, and service access.
• Protect property from further damage after a failure occurs.
• Pay applicable service fees, uncovered charges, upgrades, and non-covered work.
• Use the item normally and maintain the item according to reasonable standards.
• Do not authorize outside repairs on a covered claim without written approval if reimbursement is requested.

7. Claim Process

• Customer submits a claim with item details, symptoms, location, and photos.
• ArmorTech reviews whether the item appears eligible.
• ArmorTech routes the claim to local service, mail-in evaluation, parts sourcing, or replacement review.
• Customer pays any required service fee before or at time of service.
• ArmorTech determines whether repair, replacement assistance, reimbursement, or denial applies under the written plan.

8. Repair Versus Replacement

ArmorTech may choose repair, parts sourcing, board-level repair, mail-in repair, replacement assistance, reimbursement, or denial depending on the written plan terms, technical feasibility, cost, parts availability, item age, item condition, and claim limits.

9. Waiting Period

Final plans may include a waiting period before claims are eligible. Example draft waiting period: 30 days from plan start unless waived in writing.

10. Cancellation Rules

Cancellation rules must follow applicable state law and the final written plan. Draft structure:

• Customer may request cancellation in writing.
• Refunds may be full, pro-rata, or limited depending on timing, claims paid, fees earned, and state law.
• ArmorTech may cancel for nonpayment, fraud, material misrepresentation, unsafe conditions, abuse, or prohibited use.
• Administrative cancellation fees may apply only if permitted by law and disclosed in the final plan.

11. State Availability

Plan availability may vary by state. ArmorTech may delay, restrict, or decline plan sales in any state until registration, licensing, contract review, financial assurance, bonding, reimbursement insurance, or other compliance requirements are complete.

12. No Active Coverage From Website Alone

Viewing this page, submitting an interest form, speaking with ArmorTech, or requesting information does not create coverage. Coverage begins only under final written plan documents.