Mechanical Failure

Mechanical failure refers to when a home system or appliance becomes inoperable due to internal component failure from normal wear and tear—not from external causes like storms, accidents, or misuse.

Examples of Mechanical Failure:

• HVAC compressor stops working
• Refrigerator motor burns out
• Washing machine pump fails
• Water heater element fails
• Garbage disposal motor dies

  Why It Matters:

  Home Warranty:

Home warranties specifically cover mechanical failures. If your air conditioner compressor dies from age and use, that's a covered mechanical failure.

Homeowner's Insurance: Standard homeowner's insurance typically does NOT cover mechanical failures—only damage from covered perils (fire, theft, etc.).

What's NOT Mechanical Failure:

• Damage from power surges
• Storm or flood damage
• User error or misuse
• Lack of maintenance
• Pre-existing conditions
• Cosmetic issues

  Documentation Importance:

When filing a home warranty claim:

• Describe symptoms clearly
• Note when problem started
• Mention any recent maintenance
• Don't speculate on cause—let technician diagnose

  Maintenance Connection:

Regular maintenance helps prevent mechanical failures and is often required to keep warranty coverage valid. Neglected systems may have claims denied.

Age Factor: Older systems are more prone to mechanical failure. This is why home warranties can be valuable for homes with aging appliances and systems.