Working with Home Warranty 

While we will work with you every step of the way as your assigned contractor, we have limited access to your policy. We work with American Home Shield and HSA as a vendor, but we are separate from your home warranty company. It is your responsibility as the home owner to communicate with your home warranty company to open any claims, place a recall, dispute coverages or dispute non-covered claims. All questions about your policy should always be directed at your home warranty company.

air-conditioner

REPAIR CREDITS AVAILABLE

Even if your home warranty company decides to repair instead of replace your your heating cooling or plumbing issue, we can work with you to get you a credit towards a replacement or even up upgrade

FINANCING AVAILABLE

Not all repairs are covered 100% by your home warranty and can be unexpected and expensive. We offer a wide range of financing options to help you make the best decision for your family.

WE ARE WITH YOU EVERY STEP

Dealing with the home warranty company can be overwhelming. We have over 10 years worth of experience in working with them and will be with you every step to help explain the process.

What is a Home Warranty?

A home warranty is a contract between the homeowner and the home warranty company that acts as a safety net against expensive and unforeseen repairs.

A common misconception of having a home warranty policy is that everything is covered 100% of the time. However that is not the case. There are many different policies and each has a different list of covered items and disclaimers. Unfortunately, as a contractor for the home warranty company we never get to see your contract. If you have any questions regarding your policy or coverage please reach out to your home warranty company directly. 

 

What is the Process Like?

Your home warranty company allows you to place a claim by calling in to them 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 assigned 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 isn’t unusual for there to be a slight delay from the time you place your work order, to the time the assigned contractor receives the work order. 

Home warranty companies encourage the contractor to schedule service within 48 hours after the service call is received, not including weekends. We do our best to accommodate this when possible, however during certain seasons there is a large volume of calls that come in. During these times the home warranty company understands that there will be calls scheduled outside of their 48 hour time frame. When this happens, calls are scheduled on a first come, first serve basis. We do not offer emergency service or save spots for such calls.

On the other hand, if service is requested outside of normal business hours or 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.

 

Repairs vs Replacements

First and foremost, your home warranty company is a repair company and not a replacement company. There are only a handful of instances when a home warranty company will opt to replace instead of repairing a piece of equipment, such as the following:

  • It is a non-repairable issue
  • Parts are not available or manufactured 
  • The cost of repair exceeds the cost of replacement. In some rare cases the repair of an old appliance or piece of equipment, does not make economic sense due to component compatibility or efficiency. 

 

Who is Responsible for Making Decisions?

Budget Heating Cooling and Plumbing is a vendor of American Home Shield but we do not work for the home warranty company. Therefore all decisions are based off of your contract you have with them, that we never get to see.

We must request approval from the warranty company to verify whether or not a customer’s repair will be approved or non-covered, to get approval to order parts or to have any equipment replaced since they make all decisions.

 

What Are Out of Pocket Expenses?

All home warranty policies have limits or exclusions, that means that for some repairs or replacements there will be additional fees that you as the homeowner are responsible for. These additional fees may be related to:

  • accessibility
  • contract limits
  • construction or modifications
  • permits
  • code upgrades
  • disposal of equipment
  • shipping fees and/or equipment upgrades
  • refrigerant recovery
  • limitations on refrigerant costs
  • ductwork modifications on supply and return
  • missing parts
  • electrical upgrades
  • labor difficulties. 

Additional labor to de-ice frozen coils or other non-covered items as outlined in your home warranty policy. If you have additional questions or concerns, please contact your home warranty company.

 

What Happens When Your Claim Is Partially Covered?

In the event that your claim is approved and there are out of pockets to you as the homeowner, we will do our best to work with you and help get your system back up and running. Unfortunately home warranty work is already done at a discounted rate and as a result we are unable to give any additional discounts. We do understand however that unexpected fees do come up, that’s why we work with multiple financing companies to help take some of that burden off you as the homeowner. 

What Is An Upgrade?

An upgrade is when you pay the difference between what the warranty company is covering and the cost of the upgrade of your choice. If your appliance or equipment has been approved for replacement, now is the best time to upgrade because you can apply a credit towards a new system. Your warranty company will only replace equipment or parts with similar features or finishes. In most cases this means a standard builder grade option. Consequently they do not match the same brand or color when replacement is necessary. As a result we are happy to offer a wide range of upgrade options for homeowners to make sure you are getting the best fit for home. 

 

What to do if Your Claim was not Covered?

No one wants a claim to not be approved by your home warranty company. You as the homeowner  do not get the repair you expected and are unhappy, we as the contractor do not get to do the repair job  and your warranty company may lose a customer.

The majority of the time, a non-covered claim occurs when there is a detectable pre-existing condition. Possible reasons may include

  • manufacturer’s recall
  • lack of maintenance
  • improper repair
  • power surges, tampering, abuse or neglect
  • missing parts
  • not due to normal wear and tear
  • hail damage, rust, rot, corrosion or tree roots
  • vandalism
  • acts of god
  • damage from insects, rodents or animals

For a full list of non covered items, please refer to the home warranty company. 

While some failures are not covered by your home warranty company, they may be covered by your homeowners insurance. We would be happy to help with homeowners insurance estimates if this becomes the case. Or if you do not wish to use any insurance and just proceed with us as a regular customer we will help you through that process as well.

Non-Covered HVAC Items

Below is a list of common items that may not be covered by your home warranty

  • Permits
  • Code required modifications
  • Refrigerant line sets
  • Plenums, duct modifications
  • Flue Piping
  • Flue liners
  • Improper installation or repair
  • Missing Parts
  • Failures caused by secondary damage
  • Items that are under manufacturer 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

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

Non-Covered Plumbing Items

Below is a list of common items that may not be covered by your home warranty

  • Permits
  • Code required modifications
  • Thermal expansion
  • Missing parts and pieces
  • Improper installation or repair
  • Failures caused by secondary damage
  • Items that are under manufacturer 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 typically have a $250.00 max coverage.

FINANCING AND RENT TO OWN OPTIONS AVAILABLE!

Financing Partners

Installing new home comfort equipment can be a big decision which is why we’ve partnered with several financing options to help you stay within your budget.

Ask About Our Maintenance Plans!

 

Routine maintenance helps keep your equipment in working order. Issues can be caught and corrected early to prevent bigger problems in the future. Maintenance also ensures that your equipment is still eligible for manufacturer's warranty. Ask your Customer Care Advisor about our maintenance packages.

Always love using Budget. We used them in the past around Christmas time and they ensured we didn’t go without hot water. This week our Furnace went out ( it was 31 years old) and they were here the same day to assess what needed done. Then returned the next day to install our new Furnace. Everyone there is so easy to work with. They are professional, their techs are professional, knowledgeable and only have good things to say about the company they work for. We worked with Gabe and Mike. They were both excellent! Kaitlin in the office only made our experience even better! Thank you!

- Heather S.

Contacted the office requesting a quote for a new Furnace and AC unit and they sent out Keith the following day! He was very kind and willing to answer all of our questions and even provided a quote the same day with a cash discount! It took about a week for our parts to come in, the installers arrived on time and were quick to get things rolling. They completed the job quickly and cleaned up after themselves when they were done. Would definitely recommend to anyone needing a new AC unit or furnace to use this company they were wonderful to work with!

- Bryant W.

Budget is the ONLY company that I trust for plumbing repairs and maintaining my heating/cooling systems. They have done work that others couldn't handle and at a decent price. I will continue to use them for whatever services they offer. I appreciate everything they have done for me so far.

- Meghan R.

We purchased our HVAC system from Budget in 2019 and have been very pleased with it overall, except recently the AC unit was making a strange noise. The unit sits on an elevated pad which I wanted it to be out on the ground at install but the tech did not have time to change that out. He told me that he would do it at a later date if it bothered us. Budget was quick to fulfill this request and Justin came out to put the unit on the ground. It looks so much better now, but the best part is it is now so quiet when it runs!  Beyond happy with the 5-star service the team at Budget provided. Thanks so much Cassidy and Justin!

- Jill B.

Our Hot Water Heater just went out on us unexpectedly and Budget was able to come out the same day, assess everything and lock me down for a time, early next week. The customer service from Jennifer was above and beyond. She was so nice and helped my family. Isiah was very smart and knowledgeable and took the time to explain what was needed and the process. Would definitely use them again.

- Joseph C.

The technician showed up early and solved the issue right away. He was happy to address my questions and concerns regarding my aging HVAC. I was impressed with how knowledgeable he was. Per my request, he sent replacement estimates ranging from good to premier. This is the second time I’ve had great service from Budget.

- Amanda K.

I had a Water Heater installed today. Not only was it quality work, but the installers were professional and courteous. My house poses some unique problems as far as plumbing goes, but the installers handled it with ease. 10/10, will definitely use Budget again.

- Kelly G.

The Faucet in my condo was not working properly, the water flow on the hot water side was very small. Budget sent technician Tim to solve the problem and he replaced the Faucet in an amazingly short amount of time and patiently walked me through the Drainage System. He was highly skilled and efficient! Strongly recommend Budget!

- Tricia G.

We have had Budget out a couple times and they are always very professional, quick to come out once called and helpful! This past time it was Mike and he was great! Every time we need service on our HVAC we will continue to use them. Thank you for all you do!

- Lindsey L.

HVAC & Plumbing Specialists

Providing 5-Star Service in St. Louis, MO.

(636) 887-2800

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OFFICE LOCATION

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

OPEN HOURS

Monday - Friday: 8:00am - 5:00pm

E-Mail

Info@JustCallBudget.com