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Appeal a “Pre-existing condition” home warranty denial

The company says the failure existed before coverage started, so it is not covered. Below: the counter-argument, the evidence to gather, and the state-specific regulator complaint channel — for every U.S. state.

Reference, not legal advice. Request the specific evidence they used (inspection report, date-stamped photos, service history). A pre-existing denial must be supported by something concrete, not an assumption. If you have maintenance records or a home inspection from move-in showing the item worked, that directly counters the claim. Verify specifics with your state regulator. Sources: FTC — home warranty tips; State insurance departments (NAIC directory); BBB complaint data (2026-08-23, CC BY 4.0).

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Appeal a “Pre-existing condition” home warranty denial

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