Warranty policies are INSURANCE policies. I'd suggest that you have your insurance agent or lawyer read it and see if they think it's covered.
Many warranty companies say it's not covered, when it really is.
I had 7 warranty claims on two cars by two different warranty companies DENY claims.
I had an insurance agent read the policy first. He said the repairs WERE COVERED. A lawyer confirmed that and wrote letters to the warranty company, and they okayed the repairs.
You might need to have several insurance agents read the contracts, especially ask property and casualty agents. Don't ask a life only agent. Also many agents are NOT good at reading contracts and will NOT admit it. Maybe you can qualify for help from legal aid?
Another better tack to take is request aid from your states insurance commission. State your case in as few words as possible, send them a CLEAR copy of the warranty, repair reports, and any helpful info. Send a Carbon copy of the letter, but not the documentation, unless they do NOT already have it. Insurance companies DO NOT like to have complaints in their file. You want to send a copy to the state that is also their home state as well as your resident state and maybe the state where you bought the policy. Insurance commissioners might be slow, but do NOT be surprised if you get a quick call from the insurance company wanting to settle your claim for the lowest cost possible. Don't jump at the first offer.
Another place to seek help is the Attorney General Consumer Protection department in the two states involved, and maybe the insurance company's home (domicile) state.
A letter to the insurance commissioner has worked wonders for me. However, the fewer the words (and more business like), they better. Teh investigator's office is usually understaffed and flooded with complaints. Their first step is to log in the compliant, issue a file number, and send a form letter to the company asking for a reply with X days (usually 30) and a copy of everything that you send them. This step might take several more weeks to be mailed to the insurance company.
It might be good to CC and list all CC'ed at the bottom of the letter so that all parties especially the warranty (insursnce company) will know that they will have to be answering A LOT of uncomfortable questions from state regulators. That's why they may offer a quick CHEAP fix, to be able to say to all regulators that we did NOT realize there was a problem, but IMMEDIATELY resolved it by an offer that was accepted by the complainant.
