For Home Depot & Lowe's protection-plan holders
The tech came, or didn't. Parts are "backordered." The claim was closed, or lost, or the visit "found no fault." Meanwhile the plan you paid $150–$460 for has rules — real ones, in writing — that count repairs, set clocks, and owe you money the store never mentions: a forced replacement after a set number of failed repairs, $300 for the spoiled food, rental money while the fridge sits dead, a 30% payback if you never claimed. The stores publish the brochures and bury the arithmetic. This site does the arithmetic: your lemon count, your clocks, your money, and your exact next move.
No login. Nothing uploaded. Ever.
Nobody sells help for this fight — not a guide, not a service, at any price. The internet offers a person mid-fight exactly three things: other people's complaints, lawyer pages about different products, and the store's own marketing. Before you spend another hour on hold, you deserve to know what your case actually is under the plan's own rules. That answer is free here.
Tell it what the store sold you and what has happened since. It counts your lemon status, your live clocks, and the money the plan owes — from the plans' own documents. No login, nothing uploaded; it runs on this page, in your browser.
We never ask for your store or plan-portal password — not here, not anywhere. Anyone who asks for it while offering to help with a claim is running a scam.
The loop
Eleven weeks without a fridge while a claim was "lost." A washer that took four months to fix — then broke again. A claim closed by email saying the appliance "had been repaired" while it sat dead. The loop is not bad luck; it is a stall pattern, and the plans' own no-lemon rules are the exit — if your repairs count. Lowe's not fixing → · Home Depot not fixing →
The count
At Lowe's, a "no fault found" visit expressly does not count as a repair — you can have five tech visits and a lemon count of one. At Home Depot, two repairs for the same issue plus a third needed forces replacement or your purchase price back. The count is the whole fight, and nobody at the store will count it for you. How many repairs? → · No fault found →
The damage
Both stores run a 48-hour wall: report delivery damage within 48 hours or the easy door closes. Damage to your home — gouged floors, a leaking install — is a different fight entirely, against the store and its delivery contractor, and no store publishes how it works. Delivery damaged my floor →
The money nobody mentions: up to $300 for food spoiled by a dead fridge (both stores, proof required) · Lowe's fridge rental reimbursement up to 25% of the appliance's price if it isn't fixed in 72 hours (approval required before you rent) · 30% of the plan price back if you never claimed — but at Lowe's you must claim it within 60 days after the plan ends or it's gone. The checker adds yours up.
First — are you sure yours is a store protection plan? Two different products get confused constantly, and they have different fights. A protection plan covers one appliance you bought at a store — Home Depot or Lowe's sold it at the register, and an outside company (SquareTrade, Assurant) runs the claims. That's this site. A home warranty is a contract on your whole house, bought from a warranty company like American Home Shield or Choice. If that's what you have, use our sister site's free tool instead: WarrantyDecoded's claim-readiness checker — same company as us, built for that contract. If a store sold you the plan with the appliance, stay here.
Home Depot will never print "your second failed repair means one more forces a replacement — here's how to make the count stick" on its own site. The honest page costs the administrator replacements, rental checks, and paybacks. So the giant publishes the brochure and buries the counting — and a subscription app sells a generic appeal letter that knows none of these numbers.
This site is the counting, done from the plans' own documents: Home Depot's official brochure, Lowe's full terms and conditions, SquareTrade's standard terms — every rule stamped with its source and the date we checked it. And one discipline we state up front: executive contact addresses are free (consumer advocates publish them), so we never sell "secret numbers." We sell the counting, the clocks, and the documents.
One payment, yours to keep. We never ask for your store or plan-portal password — you file everything yourself. See everything inside the kit →
No. ProtectionPlanDecoded is a self-help kit: a checker, a repair log, scripts, and a complaint pack that you use yourself. There is no established paid service for store protection-plan fights at any price — lawyers don't take a $1,200 fridge fight on contingency. We sell the counting and the documents for $39, once.
It depends on the store, and the difference is the fight. Home Depot: two repairs for the same issue and a third needed → replacement or your purchase price plus tax back. Lowe's: three covered repairs and a fourth required — and visits where nothing was repaired expressly don't count toward the three. The full rules are on one page; the checker counts yours.
At Lowe's, no — the terms say a no-fault-found diagnosis is not a covered repair, so those visits don't move your count at all. At Home Depot the brochure counts "service repairs," and a nothing-done visit can be disputed. Either way, the defense is the same: a written log of every visit. See the no-fault-found page.
No — and that distinction decides where your claim goes. Damage to the appliance is a plan/store claim with a 48-hour reporting wall. Damage to your home is a liability claim against the store and its delivery contractor, usually routed to an outside claims administrator. The delivery-damage page maps both.
Real, at both stores — and trapped behind a clock at Lowe's: claim it within 60 days after the plan ends or it's forfeited. Details and the claim wording on the payback page.
No — that's a home warranty, a different product sold by different companies. Use our sister site's free WarrantyDecoded checker. If a store sold you the plan with one appliance, you're in the right place here.
Facts checked Oct 20, 2026 against the plans' own published documents: Home Depot's official protection-plan brochure and coverage page, Lowe's Protection Plan Terms & Conditions, and SquareTrade's standard US terms. Every rule on this site carries its source.