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Avatar for Loss Recovery Experts

Loss Recovery Experts

5.00(
2
)

Loss Recovery Experts

5.00(
2
)
Recommended by 100% of Angi customers
Recommended by 100% of HomeAdvisor customers

Free Insurance Consultation - Do I have a claim or not? Take the first step toward a successful interaction with your Insurance Company with a free insurance consultation from M. Patrick Sauer your Loss Recovery Expert in Baltimore, Maryland. At an initial meeting, we’ll determine if we can help. Not all homes qualify for our service and some policies don’t cover certain damages. But for properties with damage, our service can be the difference between a minimal payout from the insurance company and getting what your policy entitles you too.

Free Insurance Consultation - Do I have a claim or not? Take the first step toward a successful interaction with your Insurance Company with a free insurance consultation from M. Patrick Sauer your Loss Recovery Expert in Baltimore, Maryland. At an initial meeting, we’ll determine if we can help. Not all homes qualify for our service and some policies don’t cover certain damages. But for properties with damage, our service can be the difference between a minimal payout from the insurance company and getting what your policy entitles you too.








MoistureTech Consulting

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MoistureTech Consulting

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35 years of experience

My primary business is consulting on buildings that have construction defects that allow moisture intrusion, rot, mold, etc. I also work with builders on new buildings to assist in the sequencing and selection of products to prevent moisture intrusion, promote long-term building performance, ie., concrete curing, roof flashing, window and door installation, moisture barriers, basement waterproofing, etc.

My primary business is consulting on buildings that have construction defects that allow moisture intrusion, rot, mold, etc. I also work with builders on new buildings to assist in the sequencing and selection of products to prevent moisture intrusion, promote long-term building performance, ie., concrete curing, roof flashing, window and door installation, moisture barriers, basement waterproofing, etc.


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Home Warranties questions, answered by experts

Most home warranties exclude aesthetic damage, pre-existing issues, intentional damage, and issues that stem from a lack of proper maintenance. Home warranty companies also have contract terms that can exclude specific types of HVAC systems or certain components of an appliance or home system, so you should read your contract in its entirety to make sure you understand your coverage before signing up.

The standard HVAC warranty is around five years. Still, many brands offer an extension to 10 years if you register the product within a specific timeframe, typically 60 to 90 days post-purchase or HVAC installation. Over the past decade, warranty periods have substantially increased, shifting from 3-5 years in the 90s to the now-prevalent 10+ year warranties. Both warranty types cover parts failing due to manufacturer defects, incurring no additional costs. Some manufacturers provide extended warranties surpassing the usual 15- to 20-year window, though these often involve extra fees. 

A convenient method to verify your warranty status is by visiting the manufacturer's website and entering your unit's serial number. The relevant information should promptly appear. However, if it doesn't, there's a possibility that you may have unintentionally voided the warranty by neglecting to register your equipment at the time of installation. If you did register and need help finding the information, you may need to call the manufacturer's customer support team.

Homeowners' insurance covers water heaters under certain circumstances. If your water heater is damaged due to a covered event, like a fire or burst pipe, your policy may pay for repairs or replacement. However, insurance won’t cover wear and tear, old age, or neglect. If a malfunctioning water heater causes water damage, your policy may help with cleanup and repairs, but not fixing or replacing the heater itself unless the damage resulted from a covered event.

It’s easy to confuse home warranties with homeowners insurance, but they aren’t the same thing. The key difference is that warranties protect your appliances and systems, but insurance guards your house against disasters like fires and storms. Keep in mind that warranties may not cover repairs if the issue was caused by a DIY job gone wrong. 

The Freeland, MD homeowners’ guide to home warranties

From average costs to expert advice, get all the answers you need to get your job done.

  • Mother cooking with her daughter

    If you’re looking to add a level of protection to your home’s appliances and systems (like plumbing), you may be considering purchasing a home warranty. Keep reading to learn about the various pros and cons associated with common home warranty plans.