The free checker
The store counts your repairs its way, on its screens, and tells you the total when it suits them. This checker counts them the plan's way: which repairs count toward the no-lemon rule and which visits silently don't, which of your clocks are still open — the 48-hour delivery window, the 72-hour rental trigger, the 60-day payback deadline, the 90-day defect notice — and how much money, in dollars, the plan owes beyond the repair itself.
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.
How to read the count: the lemon number is arithmetic from the plan documents — Home Depot forces the outcome at 2 repairs + a 3rd needed; Lowe's at 3 repairs + a 4th required, with diagnosis and "no fault found" visits expressly excluded. If a clock has run out, the checker says so and shows the door that remains — it will never quietly extend a deadline to make your case look better.
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.
Every rule the checker applies is quoted from a published plan document: Home Depot's official appliance brochure (which sets the two-repair no-lemon rule, the $50 speed guarantee, the $300 spoilage benefit, and the 30% no-claim reward), Lowe's Protection Plan Terms & Conditions (the three-repair rule with its exclusions, the 72-hour rental benefit, the 14-day payment, the 60-day payback window, the 90-day notice duty), and SquareTrade's standard terms (the 12-month framing of the Home Depot count). Sources and check dates ride on every page. Where the documents conflict — and on the Home Depot count's time frame, they do — the checker shows both readings instead of picking the convenient one.
The working papers for the fight itself — the repair log, the administrator scripts, the complaint pack — live in the kit. See everything inside the $39 ProtectionPlanDecoded Kit →