File A Claim

This is where you can file a claim on covered items under our warranties.

Need to File a Claim?

At Top Inspectors we are dedicated to creating a 5 star experience. If you feel an item may have been overlooked during our inspection or something has become damaged since the inspection, feel free to review the Home Warranty section in our resources. Simply fill out a claim form and a representative will be in communication to help navigate you through our claims.

Here’s How We Process All the Claims:

  • Exactly 90 days from the date of home inspection, you must submit all the claims for alleged deficiencies.

  • Submit your claim by following this link.

  • You must be able to provide summary for the alleged deficiency. The documentation should also have photographs of the alleged deficiency.

  • All the necessary documentation should be received within 30 days of the submission of the claim.

  • We have a policy of processing the claims only when we’ve received all the necessary information from the client.

  • You need to allow 10 days for all the checks to get processed.

Excluded Items:

The Top Inspectors Inspection Home Warranty does not cover the following:

  • Commercial properties; multi-family dwellings (over 4 units), Common Areas as defined under Florida Civil

  • Code and any dwelling unit systems or components located in common areas;

  • Deficiencies related to items, systems and components that were excluded from the home inspection, as identified in the

  • Designated Standards, the inspection report, inspection disclaimers or the inspection agreement;

  • Any item, system or component that was not readily available or not accessible to be inspected by the inspector; (for example, because the item, system or component needed to be operating in order to be inspected and it was shut down or otherwise inoperable at the time of the inspection, or because connecting piping, wiring and/or components were not readily accessible and visible at the time of the inspection);

  • Any systems, areas, equipment or components of systems where the Inspector marked the area as having limited access or limited visibility of said system, equipment or component (example 1: tile roofs, second story roofs, high roof areas, wet roofs may receive a limited to no view at all of these areas and must be further evaluated by a licensed roofer for full disclosure) (example 2: internal areas of heaters, water heaters, gas thermocouple devices, gas leaks of any kind in any location, any and all supply valves, etc. are not viewed or tested during the inspection) claims deficiencies in these areas will be denied if there is no proof of further evaluation after the home inspection and prior to release of inspection contingencies.

  • Any defects or deficiencies found behind the finished wall/ceiling/floor materials that was not readily visible during the inspection. Shower pan leaks, internal wall/ceiling/floor/slab leaks are not covered. Wiring or wire connections concealed within walls, floors, ceilings or otherwise hidden by items such as insulation, etc. are not covered.

  • Any system or component installed or method utilized to control or remove suspected hazardous substances; Public or private waste disposal systems;

  • Stoppage of water regardless of the reason;

  • Any consequential or incidental damages; water damage and drywall replacement is NOT covered in any way, shape or form. This includes new mold growth or the discovery of mold within walls, behind baseboards, etc.;

  • Any alleged deficiency that is presented for coverage because it relates to a system or component that is not in compliance with codes, regulations, ordinances and/or manufacturer installation specifications; simply and clearly stated; The inspector does not inspect items for building code compliance, municipal codes/requirements and does not verify installation to manufacturer specifications.

  • Failure of items, systems or components after the inspection is performed;

  • Any claims that do not meet the deadlines for claims processing described above;

  • Any additional services such radon tests, mold tests, or any other service provided by the inspector in addition to the home inspection (or any fees for such services).

  • Anything caused by natural acts or disasters such as (but not limited to): floods, landslides, excessive or abnormal rain/hail/sleet/snow, excessive or abnormal wind, earthquakes,hurricanes, sinkholes, etc.

  • Anything related to Asbestos, Lead based paint, wood destroying organisms (including, mildew, mold, fungus growth, poria, etc.). Mold growth in ventilated spaces (ie. Attics and/or foundation crawl spaces) is not covered.

  • Anything caused by recalled equipment or materials affected by any class action lawsuit.

Not an Insurance Policy, Service Contract, or Home Warranty and is fully funded by Top Inspectors:

The intent and purpose of the Top Inspectors Inspection Guarantees is not to provide insurance coverage of any kind. It is not a contract where one undertakes to indemnify another or pay a specified amount upon determinable contingencies. It is not a contract or agreement by which Top Inspectors or the Top Inspectors Claims Administrator, for consideration or not, promises to pay the Client upon the failure, destruction, loss or injury of something in which the Client has a pecuniary interest, or in consideration of a price paid, adequate to the risk, becomes security to the Client against loss by certain specified risks or to grant indemnity or security against loss for a consideration. Coverage is not predicated on the happening of any fortuitous event, any contemplated future occurrence or event, or any agreement by Top Inspectors or the Top Inspectors Claims Administrator to indemnify the Client against loss or damage to any system or component of the inspected property. The Top Inspectors Inspection Guarantees are not insurance of the risk that any inspected system or component will remain free from defect for any period of time. Coverage Limit: As stated in each specific warranty policy.

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