First American Home Warranty's main phone number is 1-800-537-2862
First American Home Warranty is a home service contract company that covers repairs to major home systems and appliances. If you have a policy with them, you can reach their customer service line at 1-800-537-2862. This number connects you to representatives who handle claims, billing questions, and policy details.
The company operates during standard business hours, typically Monday through Friday, 8 a.m. to 6 p.m. Eastern Time, though hours may vary by season. Wait times are usually shorter early in the morning or mid-afternoon. If you call outside business hours, you can leave a message or use their online portal to submit a request.
Before you call, have your policy number ready. It appears on your bill and any paperwork First American sent you. If you are calling about a specific repair, also have the name and phone number of the contractor you want to use, or be prepared to ask for a referral list in your area.
Key Takeaways
- First American Home Warranty's customer service number is 1-800-537-2862, available Monday through Friday during business hours.
- Have your policy number and details about the repair or issue ready before calling to speed up the process.
- The company can provide contractor referrals, answer questions about what your policy covers, and process claims over the phone.
- If you cannot reach someone by phone, First American's website allows you to submit claims and billing questions online.
What you can handle by phone versus online
Some tasks are faster online. You can file a claim, check your policy coverage, and update your billing information through First American's website without waiting on hold. Their online portal is open 24/7, so you can submit a claim at midnight if a pipe bursts on a Sunday.
Phone calls are better for questions that need a real answer: whether a specific repair is covered under your plan, how to find a contractor in your area, or what to do if a contractor you hired is not on their network. Representatives can also walk you through the claims process if you are doing it for the first time.
If you have already filed a claim and want to check its status, the website is usually faster than calling. You can log in and see where your claim stands without explaining your situation twice.
How to file a claim when you need a repair
When something breaks, call First American as soon as possible. Tell the representative what is broken, what system it is part of (plumbing, electrical, HVAC, appliances), and whether it is still working or completely out. They will tell you whether your policy covers it.
If it is covered, First American will either give you a list of approved contractors in your area or ask if you have a contractor in mind. If you use one of their approved contractors, the company pays them directly and you pay only your service fee (usually $75 to $150 per visit, depending on your plan). If you hire your own contractor, you may have to pay the full bill upfront and then submit a receipt for reimbursement, which takes longer.
The contractor will schedule a visit, usually within a few days. First American will send you a claim number — write it down and give it to the contractor so there is no confusion about who is paying.
What to do if you cannot reach anyone
If the phone line is busy or you are calling outside business hours, try the online portal first. Most routine questions can be answered there, and claims filed online are processed the same way as phone claims.
If your issue is urgent — for example, you have no heat in winter or no water — and you cannot reach First American, you can hire a contractor yourself and pay out of pocket. Keep all receipts and documentation. When you do reach First American, explain that it was an emergency and provide the receipts. Many companies will reimburse emergency repairs even if you did not call first, though reimbursement takes longer than direct payment to an approved contractor.
If you have been trying to reach them for more than 24 hours and have an urgent repair, check your policy documents for an emergency line or escalation number. Some home warranty companies have a separate line for after-hours emergencies.
Understanding your policy before you call
Home warranty policies cover specific systems and appliances, not everything in your house. Most plans cover your water heater, furnace, air conditioning, electrical system, plumbing, and major appliances like your refrigerator and washer. They do not usually cover roof repairs, foundation work, or damage from lack of maintenance.
Your policy also has a service fee per visit (the amount you pay when a contractor comes out) and sometimes an annual cap on how much the company will pay in total. Read your policy documents or ask the representative on the phone what your specific limits are. Knowing this before you call prevents disappointment when you find out a repair is not covered.
If you are new to home warranties and are not sure what you have, call and ask for a summary of your coverage. Representatives can walk you through what is and is not included in your plan.
Billing and policy changes
If you have questions about your bill, want to change your coverage level, or need to update your payment method, call the same number. Billing representatives can usually handle these requests in one call. If you are thinking about canceling your policy, ask about what happens to any pending claims — some companies require you to keep the policy active until claims are resolved.
Policy renewals typically happen once a year. First American will send you a renewal notice in the mail before your policy expires. If you want to make changes, call before the renewal date so the changes take effect on time.
Frequently Asked Questions
What if my contractor is not on First American's approved list?
You can still use them, but you will likely pay the full bill upfront and then submit receipts for reimbursement. This takes longer than using an approved contractor, who First American pays directly. Ask the representative whether your contractor can be added to their network before you hire them.
How long does it take to get reimbursed if I pay out of pocket?
Reimbursement typically takes two to four weeks after First American receives your receipts and documentation. Direct payment to approved contractors is much faster — usually the contractor is paid within a few days of the visit.
Can I use First American if I rent my home?
First American home warranties are sold to homeowners, not renters. If you rent, ask your landlord whether they have a home warranty that covers repairs. If not, you may have other options depending on your state's tenant laws.
What happens if I disagree with First American's decision that something is not covered?
Ask to speak with a supervisor or request a written explanation of why the repair is not covered. Your policy documents should outline an appeal process. If you believe the decision is wrong, you can file a complaint with your state's insurance commissioner.
Is there a penalty for calling too often?
No. You can call as many times as you need to ask questions or file claims. There is no limit on the number of claims you can file in a year, though each claim has a service fee.