Most of us purchase home appliances because they grant our lives a much-needed sense of convenience. They should not be there to poison the well or make things more difficult for you. Or worse, actively bring danger into your home, putting you and your family at risk. Sure, home appliances are mostly harmless, and shouldn’t be anything you spend a lot of time worrying about. However, it is often the case that faulty wiring or any part made of cheap plastic malfunctioning can eventually create headaches for everyone in your household. If you’re worried that your seemingly benign toaster may have caused a small fire to break out in your home, or something along those lines, then here are a few ways to ensure that you receive compensation.
The first route for most people is to contact their insurance company. Whether you are a renter or a homeowner, buying insurance as soon as you move into your new address is extremely important. Insurance will help pull you out of various doomsday scenarios, from fires, flooding, theft, and yes, malfunctioning appliances that have wreaked havoc in your house. Before signing up for insurance, or filing a claim, be sure to check the deductible. Usually, the damages incurred must be within a certain amount in order for you to qualify for full compensation, but it really depends upon the fine print. Look for different caveats so that you’re fully aware of your rights should anything happen.
Most appliances, unless you’ve bought them second-hand or relatively cheap from overseas, come with a warranty. However, these tend to go up in flames within a year, and plenty of people forget to activate the warranty of an appliance. However, there is actually coverage for new homeowners, in the form of a home warranty. This is a service renewable on an annual basis that helps to protect the home should anything go haywire. Most home warranties cover things pertaining to the HVAC system, plumbing, and major appliances like dishwashers or ovens, and can help you cover costs related to replacements and such. Sometimes, mechanical failures are not covered, but again, always be sure to read the fine print.
File a Lawsuit
If the options above are not available to you, then you may need to consider other, slightly more drastic options. The main one would be to file a defective appliance lawsuit against the manufacturer. You should consult a lawyer and ask for assistance to see if the company has violated its warranty in some way. This may seem like a long shot, but the tactic does work in some cases, especially when it comes to corporations that are not performing due diligence for their customers’ sake. A successful legal case against the manufacturer will perhaps result in full payment of any repairs or a refund on the appliance itself. You will not, however, be eligible for a bigger payout unless the company has done something truly egregious.
Most of us have complete confidence in the appliances we purchase at our local department stores, and we sometimes blindly think that the corporation would have the consumer’s back. Unfortunately, that isn’t always the case, and things can sometimes go south at home. The options here are the main ways you can protect yourself in case of an emergency.