"Warranty items" include the furnace and major appliances like your refrigeator and stove that are covered by a manufacturer's or supplier's warranty. Like a warranty on a truck or snowmachine, after a period of time -- typically a year -- the warranty expires. Report its failure to BBHA during the warranty period and BBHA will replace or repair the item. But if your furnace or boiler breaks down the day after the warranty expires, fixing or replacing it is the homeoenwer's responsibility.

A kind of warranty also covers the structure and design of your home which may extend through the normal structural life of a properly maintained home. If, for example, snow collapses your roof because of a contractor's mistake, the builder may be liable to repair the damage.

But imagine a different situation.

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