Home warranty denials, decoded
Denied? Decode your denial in minutes.
Upload your denial letter and your service agreement. Denial Decoder finds the exact clause the company is relying on, tells you how strong the denial really is, and drafts your appeal letter.
Free preview. No card required to see your verdict.
How it works
Your denial letter vs. your contract. Finally, a straight answer.
Most home warranty denials lean on vague exclusions. Sometimes the contract doesn't even contain the exclusion they cite. We read both documents and show you exactly where you stand.
Upload your denial letter
PDF, photo, or pasted text. We read it in seconds.
We find the exact clause
We compare the denial reason against your actual contract — line by line.
Get your appeal kit
Verdict, cited clauses, red flags, editable appeal letter, and an escalation timeline.
Send it without leaving your couch
We print and mail your appeal by Certified Mail with tracking, and the delivery date starts your deadline clock automatically. From $4.99.
Sample result
Why it looks weak
The letter cites no contract section. The service agreement's maintenance exclusion appears to require proof of neglect, which the company did not provide.
Exact clause citation with page reference
Red flags in the denial letter
Editable appeal letter
Escalation timeline with deadlines
Certified Mail from $12.99 — we print and mail it for you
Mail-it-for-me
Skip the post office
Certified Mail with USPS tracking
Proof of delivery saved to your case
Deadlines and reminders set automatically
Free tool — no denial needed
Is it covered? Check your contract before you file.
Ask about a specific item — "is my water heater covered if it leaks?" — and we'll read your actual contract, answer with the exact clauses and page references, and tell you what to gather before you file. If the claim is later denied, your contract is already saved and one tap starts the appeal.
Fighting a specific company or denial reason?
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Dealing with a different kind of denial? — new claim types are being added.