STRUCTURAL COVERAGE:

Foundation coverage is limited to poured Concrete & Block wall foundations only. This warranty also covers floor joists, plates and load bearing walls.

Roof leak repairs apply to all roof types but exclude any separate structures from the home. Warranty does not include replacement of bad, chipped or cracked shingles or tiles, Items called out in the home inspection report, or leaks occurring from an item identified in the home inspection report. Roof repair is for leaks only and does not cover a roof replacement.

*Please see the roof coverage detail page for further information

PLUMBING/HVAC/APPLIANCE COVERAGE:

Plumbing: Water lines, faucets, water heaters, drain lines, gas lines.

Electrical: Main service panel, secondary service panel and wiring.

Appliances: Kitchen Appliances including but not limited to oven, range, dishwasher, built-in microwave, trash compactor, washer/dryer and garbage disposal.

Heating/Air (HVAC): Furnace, air conditioner (condenser and blower), and thermostats under 12 years old.

COVERAGE TERMS:

This service contract covers only those items specifically listed and excludes all others. This contract covers parts and labor only and does not cover consequential or secondary damages (for example: plumbing leak causing floor damage – the repair of the leak is a covered item but the subsequent floor damage is not.)

This contract only covers those items that were confirmed to be in good working order at the time of inspection and excludes all others, regardless of their condition at the time of inspection. An item identified in the initial report, that was subsequently repaired, may be covered if original inspection company returns and clears the repair. Water damage, cosmetic repairs and items that inspector was not able to inspect for any reason, or was inaccessible without removal or damage to any permanent covering, (i.e. an item behind drywall or in a closet that was filled with items preventing entry) are not covered.

 All included items in this agreement must be maintained in accordance with the manufacturer’s standards or be maintained within reasonable standards where no such standards exist.

Routine maintenance, plumbing stoppages (regardless of reason) and well or septic systems and components are not covered under this policy. Policy will not cover a required upgrade/alteration of failed system that does not meet current codes or local ordinances.

Additional policy exclusions:

a) brick failures of any kind (i.e. fireplace, chimney, etc), b) cracking or scaling concrete, c) pest damage, including that caused by any and all wood destroying insects and pests, d) damage caused by acts of extreme nature, or are beyond inspectors’ reasonable assumption of likelihood (i.e. earthquake, hurricane, hail, tornado, civil unrest, etc.) or any other outside cause or neglect.

Coverage becomes effective on the date of inspection and ends five years after start date. This warranty is intended for the inspected property and can not be transferred to any other property. Plan may be transferred to a new homeowner in the event of a sale within the five years; coverage end date does not change. All related disputes shall be interpreted and enforced in accordance with the laws of Hamilton County in the State of Indiana without reference to, and regardless of, any applicable choice or conflicts of law principles. All claims must be submitted and accepted through the customer claims portal by creating an account via www.summitwarrantyclaims.com within five years of the inspection date. Claims cannot be submitted via email or phone.  Coverage under this policy shall come after any and all other warranties or insurance policies in place at the time of the claim and may not be applied to their deductibles.

CLAIM PROCEDURES:

Go to www.summitwarrantyclaims.com and create a secure account and login credentials. (claims can not be accepted via phone or email) Once your account is created and email verified, claimant will click on “Submit New Claim” and complete all required fields. All claims will require submission of the original full home inspection report (all pages) and a detailed repair estimate breaking out parts, labor as well as cause of the failure determined by a licensed or certified expert. Summit Warranty Corp reserves the right to request up to two additional estimates. The estimate must include contact information for the contractor. You will receive a notification that the claim was successfully submitted.

To check the status of your claim, or to upload documents requested by your claims analyst, log back in to your account, click on that specific claim shown on your dashboard, and review status updates and or comments from the claims team. All claims matching a registered property address will be reviewed in one business day. Once reviewed, your status will change from “Submitted” to one of the following: “Declined” status means your issue falls outside the warranty coverage; claims analyst will leave notes on your claim detailing the reason for no coverage and you will be able to inquire further by replying via your claims portal account. “Incomplete” status means there is missing or incomplete documentation, and you should read the notes left by your claims analyst, then upload the documents through your claim portal. “Inactive” indicates an incomplete claim has been open for a period of 60 days with no action by the claimant; after 60 days, the plan issuer reserves the right to cancel the claim, and a new claim would need to be started by claimant. “Pending Review” means we have received your updated claim information and it is under review. “Approved Pending Payment” means your claims analyst has approved your claim and it is in line for final review and check remittance! “Paid/Closed” means your claim is final and a check has been mailed. Please allow up to 14 days from the date of Paid/Closed status for your check to arrive.

Additional information required to successfully submit your claim:

1. Full name, email and phone number of person filing claim

2. Name of the home inspection company 

3. Full address of the covered property *EXACTLY AS IT APPEARS ON THE HOME INSPECTION REPORT *

4. A Brief Description of the issue you are having