About Budget

The best advice we can give you is this: read your home warranty policy and become familiar with your purchase. Your contractor did not sell you the policy, nor do they have access to your policy information. Your home warranty company limits the amount of information regarding your policy to the contractor. It is your responsibility to communicate with your home warranty company to place an original claim, place a recall, dispute coverages or dispute non-covered claims. Do not rely on your contractor to know the answers when it comes to coverages.

We Do Not Choose What Is Covered And What Is Not Covered

You Will Experience Long Hold Times

We Will Do Our Best To Provide 5-Star Service, Every Time

Holidays And Weekends Extend Work Order Times

We Strive For 5-Star Service

FAQ’s About Budget & The Warranty Process

Submit Claim With AHS

Submit Claim With HSA

Non-Covered HVAC Items

Below is a list of items that you should be aware of that may not be covered by your home warranty. Shield Essential, Shield Plus and Shield Complete Plans may have more coverage.

  • Permits
  • Code required modifications
  • Refrigerant line sets
  • Plenums, duct modifications
  • Flue Piping
  • Flue liners
  • Missing Parts
  • Failures caused by secondary damage
  • Items that are under manufacture warranty
  • Detectable pre-existing conditions
  • Misuse, abuse, or mistreatment, including but not limited to, removal of parts and damage by people, pests, or pets
  • Accidents, fire, freezing, water damage, electrical failure or surge, or excessive or inadequate water pressure;
  • Lightning, mud, earthquake, soil movement, storms, or acts of God
  • A manufacturer’s improper design, improper materials or formulations, a defective manufacturing process, or other manufacturing defects.
  • Routine Maintenance (Cleaning)
  • Capacity such as drain lines, HVAC equipment sizing and duct work being too small or large
  • Modification to make new HVAC equipment fit such as drain lines, electrical, gas piping

All policies have limitations on refrigerant. Your home warranty company will only pay the first $10.00 per pound.  When permits and code modifications are covered, they have a $250.00 max coverage.

Non-Covered Plumbing Items

Below is a list of items that you should be aware of that may not be covered by your home warranty. Shield Essential, Shield Plus and Shield Complete Plans may have more coverage.

  • Permits
  • Code required modifications
  • Thermal expansion
  • Missing parts and pieces
  • Improper installation or repair
  • Failures caused by secondary damage
  • Items that are under manufacture warranty
  • Detectable pre-existing conditions
  • Misuse, abuse, or mistreatment, including but not limited to, removal of parts and damage by people, pests, or pets
  • Accidents, fire, freezing, water damage, electrical failure or surge, or excessive or inadequate water pressure
  • Lightning, mud, earthquake, soil movement, storms, or acts of God
  • A manufacturer’s improper design, improper materials or formulations, a defective manufacturing process, or other manufacturing defects.
  • Routine Maintenance (Cleaning)
  • Capacity such as drain, discharge, and water lines being too small
  • Capacity of water heaters. (70% of rated gallon size)
  • Modification to make new water heaters fit such as drain lines, electrical, gas piping, water line and lead free shut-offs
  • Drain line stoppages from tree roots and foreign debris
  • Failures outside of the foundation of the home or failures caused by issues outside the foundation of the home

All policies have limitations on access through concrete.  When permits and code modifications are covered, they have a $250.00 max coverage.

Working With The Warranty Company

Decades Of Working Experience

Overview of AHS / HSA Claim Process

Your home warranty company allows you to place a claim by calling or online. A work order is then created and sent to one of several contractors. If the work order is received during normal business hours, the servicing contractor will typically call and schedule service the same day. This does not mean that you will receive service the same day. The servicing contractor cannot schedule any work until a work order is received. It is not untypical for there to be a delay from the time you place your work order, to the time the servicing contractor receives the work order. Home warranty companies allow the contractor to schedule service up to 48 hours after the service call is received excluding weekends. During high demand, home warranty companies allow the servicing contractor to schedule outside of the 48 hour time frame. When this happens, calls are scheduled on a first come, first serve basis. If immediate service is requested or scheduling on weekends, there will be an additional fee charged to the homeowner that is not covered by your home warranty. If you have additional questions or concerns, please contact your home warranty company.

Years of Experience Working with Warranty Companies

The following information is based on our experience from servicing thousands of home warranty customers and over 15 years of working with home warranty companies. We do not imply any guarantee of coverages nor do we represent the views or interpretations of any specific home warranty company or their contracts. In our experience, 95% of all claims are processed smoothly and without complications.

It’s Up To You To Read Your Policy

With the different policies and coverage home warranty companies have, it is impossible for technicians to know what is covered by your particular policy. Occasionally we must call a warranty company to verify whether or not a customer’s repair will be approved or non-covered, to get approval to order parts or, occasionally, to have an appliance or equipment replaced. If you have additional questions or concerns, please contact your home warranty company.

Overview of AHS / HSA Claim Process

Your home warranty company allows you to place a claim by calling or online. A work order is then created and sent to one of several contractors. If the work order is received during normal business hours, the servicing contractor will typically call and schedule service the same day. This does not mean that you will receive service the same day. The servicing contractor cannot schedule any work until a work order is received. It is not untypical for there to be a delay from the time you place your work order, to the time the servicing contractor receives the work order. Home warranty companies allow the contractor to schedule service up to 48 hours after the service call is received excluding weekends. During high demand, home warranty companies allow the servicing contractor to schedule outside of the 48 hour time frame. When this happens, calls are scheduled on a first come, first serve basis. If immediate service is requested or scheduling on weekends, there will be an additional fee charged to the homeowner that is not covered by your home warranty. If you have additional questions or concerns, please contact your home warranty company.

Years of Experience Working with Warranty Companies

The following information is based on our experience from servicing thousands of home warranty customers and over 15 years of working with home warranty companies. We do not imply any guarantee of coverages nor do we represent the views or interpretations of any specific home warranty company or their contracts. In our experience, 95% of all claims are processed smoothly and without complications.

It’s Up To You To Read Your Policy

With the different policies and coverage home warranty companies have, it is impossible for technicians to know what is covered by your particular policy. Occasionally we must call a warranty company to verify whether or not a customer’s repair will be approved or non-covered, to get approval to order parts or, occasionally, to have an appliance or equipment replaced. If you have additional questions or concerns, please contact your home warranty company.

HVAC & Plumbing Specialists

Providing That Sweet, Southern-Style, 5-Star Service In St. Louis MO.

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(636) 887-2800

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Office Location

325 Mid Rivers Mall Drive, St. Peters, MO 63376

Open Hours

Monday - Friday: 8:00am - 6:00pm

Email

info@justcallbudget.com