When a covered system or appliance fails, a home protection claim is a service request — not a stack of paperwork. This is the full walkthrough: how to file, how a technician gets to your door, and what to expect from diagnosis to a finished repair.
With a home protection plan, “filing a claim” means opening a service request — telling RMO what broke, so a qualified technician can be sent to fix it. There is no adjuster, no estimate to chase, and no contractor to find yourself. That coordination is the service you are paying for.
Every home protection claim follows the same four stages: you file the request, RMO assigns a technician, the technician diagnoses the problem on-site, and a covered failure is repaired or replaced. The only cost to you on a covered claim is the per-service-call deductible for your plan tier. The rest of this guide walks through each stage and what to expect.
A service request moves fastest when you can describe the problem clearly. Before you start, have:
It also helps to confirm the item is covered by your MyHome tier before filing — the coverage guide shows what each tier includes.
Throughout, the service request status is visible in your MyRMO account, so you always know what stage your claim is at.
A home protection claim has one predictable cost: the per-service-call deductible, charged when a technician is dispatched. The amount depends on your MyHome tier — higher tiers carry a lower deductible, and MyHome IV includes a disappearing-deductible reward. The repair itself, on a covered claim, is handled by the plan.
A claim can be slowed or denied when:
Confirming your covered items before you file prevents nearly all of these. For the claims process across every RMO Protection plan — not just home — see the RMO Protection claims walkthrough.
File a service request from your MyRMO account: open Protection, then MyHome, then Service Request, choose the failed system or appliance, and describe what is happening. You receive a service request number, an approved technician is assigned and schedules a visit, and a covered failure is repaired or replaced.
After a service request is submitted, an approved technician is assigned and reaches out to schedule, usually within a few business days. The time to a finished repair then depends on the diagnosis and any parts required. You can track the request in MyRMO throughout.
Yes. Home protection plans charge a per-service-call deductible when a technician is dispatched. The amount depends on your RMO MyHome tier — higher tiers carry a lower deductible, and MyHome IV includes a disappearing-deductible reward.
A claim can be denied if the item is not covered by your plan tier, if the failure is from a pre-existing problem or from misuse or missed maintenance rather than normal wear, or if the membership or plan was not active when the failure occurred. Reviewing your covered items before you file avoids most denials.
Keep building your picture of home protection:
