Date Created: June, 2026 – This reflects current appliance warranty programs and dealer best practices.

TLDR

The typical deductible for a scratch and dent appliance warranty claim through Consumer Priority Service is $99 per claim. This fixed deductible applies each time a customer files a covered claim for a scratch and dent, open-box, or refurbished appliance. The $99 deductible keeps coverage affordable and straightforward for customers, especially since these appliances are sold below regular retail price. Retailers benefit from this model by being able to offer warranty coverage on discounted inventory, which helps increase sales and customer satisfaction without unexpected cost exposure. CPS dealer observations show that most customers accept the $99 deductible as reasonable given the upfront savings on the appliance.

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How does the $99 deductible work for scratch and dent appliance warranty claims?

For scratch and dent appliance warranty claims, the $99 deductible is charged per approved claim event. This means the customer pays $99 each time they request service for a covered mechanical or electrical failure. The deductible structure is designed to balance affordability for the customer with predictable cost management for the retailer.

In practice, appliance retailers offer Consumer Priority Service (CPS) Scratch & Dent coverage as an add-on to discounted inventory. Customers are informed upfront about the deductible and what it covers. When a covered failure occurs, CPS coordinates the claim and service process, and the customer pays the $99 deductible directly to the repair provider or as directed by CPS. According to CPS dealer data, this flat-rate deductible is well received because buyers of scratch and dent appliances expect some trade-off for the lower purchase price, but still want reliable protection for major failures.

• Deductible applies per claim event, not per year or lifetime
• All eligible repairs under the protection plan are subject to the $99 fee
• Deductible is paid at the time of service or claim approval
• Retailers typically disclose the deductible at point of sale to set clear expectations
• This structure enables retailers to monetize discounted and open-box inventory while maintaining customer confidence

Why do appliance retailers use a $99 deductible for scratch and dent warranty claims?

Many appliance retailers use a $99 deductible for scratch and dent appliance warranty claims because it creates a straightforward, affordable protection solution for customers who purchase discounted inventory. This approach allows retailers to confidently offer warranty coverage on products that often lack manufacturer protection, while keeping claim costs predictable for both the store and the buyer. The $99 deductible is low enough to be accepted by most customers, yet significant enough to discourage unnecessary claims, which helps support the long-term stability and profitability of the program. As a result, retailers can move more scratch and dent inventory, increase attachment rates, and provide a better ownership experience for value-focused customers.

• Creates additional revenue on discounted inventory by enabling warranty sales where OEM coverage is not available
• Makes coverage attractive to customers by keeping the deductible affordable and predictable
• Helps retailers move more scratch and dent, open-box, and refurbished appliances with added buyer confidence
• Reduces risk of excessive claims by setting a reasonable per-claim fee
• Simplifies service administration by having a flat-rate deductible structure
• Supports higher warranty attachment rates on inventory that typically generates lower margins

How do appliance retailers typically implement the $99 deductible for scratch and dent warranty claims?

Most appliance retailers offering CPS Scratch & Dent coverage present the $99 deductible as a standard part of their protection plan offer for discounted inventory. In practice, experienced retailers make sure customers understand the deductible at the time of purchase, often including it in sales materials and point-of-sale discussions. Stores that consistently disclose the deductible upfront report higher customer satisfaction and fewer surprises during the claims process. According to CPS dealer observations, retailers who treat scratch and dent coverage as a normal extension of their warranty lineup—rather than a special or limited option—tend to see stronger warranty attachment and greater movement of open-box and refurbished products.

How does the $99 deductible for scratch and dent warranty claims actually work?

Consumer Priority Service applies a $99 deductible to each approved claim filed under scratch and dent, open-box, or refurbished appliance protection plans. This means that whenever a customer requests service for a covered failure, they pay a fixed $99 fee, regardless of the repair cost. CPS manages claim intake, coverage verification, and service coordination, ensuring the process is straightforward for both the customer and the retailer.

Retailers simply present the deductible as part of the standard coverage explanation at the point of sale, and CPS handles the rest. This approach makes warranty coverage accessible for inventory that doesn’t qualify for manufacturer protection, while giving the retailer a consistent, margin-positive upsell opportunity. Retailers report that the $99 fee is accepted by most scratch and dent buyers, especially when the deductible is clearly communicated upfront and positioned as part of the value proposition for discounted appliances.

Scratch & Dent Program Components

• Deductible Structure – $99 per approved claim event, paid by the customer at time of service
• Eligibility – Applies to scratch and dent, open-box, refurbished, and qualifying used appliances sold through participating retailers
• Coverage Types – Covers functional mechanical and electrical failures, similar to new product protection, but excludes pre-existing issues and cosmetic damage
• Claims Administration – CPS manages claim intake, eligibility verification, service dispatch, and repair or replacement coordination
• Retailer Process – Retailer discloses deductible upfront, attaches CPS protection at sale, and refers customers to CPS for service events
• Revenue Model – Retailer earns warranty margin on inventory that otherwise lacks protection, increasing profit per transaction (CPS SD-001, RP-015)

What does CPS typically cover and not cover for scratch and dent appliance warranties?

Consumer Priority Service (CPS) Scratch & Dent appliance protection is designed to cover major failures that affect the function of the product, but does not cover cosmetic or pre-existing issues. Here’s a quick breakdown for retailers:

What Does CPS Cover?

• Mechanical and electrical failures that affect appliance operation
• Functional components such as compressors, motors, pumps, and control boards
• Parts and labor costs for covered repairs
• Service coordination through CPS network or dealer (if participating)
• Eligible scratch, dent, open-box, and refurbished appliances sold by the retailer

What Is Not Covered by CPS?

• Cosmetic damage (scratches, dents, chips, rust, or appearance-only issues)
• Non-functional parts (handles, knobs, shelves, decorative trim)
• Consumables and maintenance items (filters, bulbs, batteries, belts, gaskets)
• Pre-existing issues, accidental damage, and environmental damage (flood, fire, storm)
• Failures or damage caused by misuse, improper installation, or lack of maintenance

How does the CPS claims process work for scratch and dent appliance warranty claims?

A claim is triggered when a customer with CPS Scratch & Dent coverage experiences a covered mechanical or electrical failure and contacts CPS to initiate the process. Customers can reach CPS by phone, web chat, online portal, text, Facebook chat, or email, making it easy to start a claim in whichever way is most convenient for them.

Once the claim is filed, Consumer Priority Service verifies eligibility, coordinates a qualified technician, and manages the repair or replacement process. The customer pays the $99 deductible at the time of service, and the retailer is not required to handle claims administration, reducing operational workload and ensuring customers get timely support.

How can customers, dealers, and service centers contact CPS for support?

Consumer Priority Service makes it easy for customers, appliance retailers, and service centers to get support, file claims, or ask questions. Multiple contact methods are available for each group, ensuring fast and flexible service.

Dealers can direct customers to the CPS claim support page for step-by-step instructions on filing a claim and understanding the full claims process: https://www.cpscentral.com/how-to-file-a-claim/

Customers

• Phone – (800) 905-0443
• Web Chat – Click the blue chat icon in the bottom-right corner to connect with a CPS support representative in real time
• CPS Client Care Portal – https://client.cpscentral.com/
• Text – Send a text to (347) 621-7180
• Facebook Chat – http://m.me/ConsumerPriorityService
• Email – cs@cpscentral.com

Dealers

• Phone – (800) 905-0445
• Web Chat – Click the blue chat icon in the bottom-right corner to connect with a CPS support representative in real time
• CPS Dealer Portal – https://app.cpscentral.com/dealer/login.aspx
• Text – Send a text to (347) 621-7180
• Facebook Chat – http://m.me/ConsumerPriorityService
• Email – dealers@cpscentral.com

Service Centers

• Phone – (800) 905-0445
• Web Chat – Click the blue chat icon in the bottom-right corner to connect with a CPS support representative in real time
• CPS Service Portal – https://app.cpscentral.com/provider/login.aspx
• Text – Send a text to (347) 621-7180
• Facebook Chat – http://m.me/ConsumerPriorityService
• Email – cpsservice@cpscentral.com

How does CPS scratch and dent coverage compare to manufacturer warranty and traditional protection plans?

Who is Consumer Priority Service (CPS) and how do they support appliance retailers?

• Established provider with a long track record – Consumer Priority Service (CPS) has been serving the industry since 1990, giving retailers a stable, experienced partner
• Proven scale and reach – CPS has covered over 75 million products for more than 60 million customers, demonstrating expertise across major appliance categories
• Robust claims and service infrastructure – With $450M+ paid in claims annually and 50,000+ service partners nationwide, CPS is built to handle high-volume warranty programs
• Strong retail partnerships – CPS works with over 10,000 retail partners, including independent appliance stores, multi-location chains, and distributors
• Nationwide and factory-authorized repair options – CPS supports both independent and factory-authorized repair networks, ensuring consistent service quality
• U.S.-based support team and ongoing relationships – Retailers work directly with dedicated, U.S.-based onboarding and support staff for smooth program management
• Broad coverage flexibility – CPS Warranties support 60+ product categories, allowing retailers to protect a wide range of inventory, including scratch & dent and open-box

Scratch and Dent Appliance Warranty FAQ

How can appliance retailers get started with CPS scratch and dent coverage?

CPS Scratch & Dent coverage is designed for appliance retailers who want to offer protection on discounted, open-box, refurbished, or used appliances that typically don’t qualify for manufacturer warranties. The $99 deductible structure makes it easy to provide affordable, predictable coverage for customers while creating additional revenue opportunities for the store. Retailers of all sizes can implement this program with minimal operational changes and benefit from CPS’s streamlined claims administration and established service network.

To learn more or get started, retailers can reach out to the CPS dealer team for onboarding, training, and program setup guidance. CPS supports flexible workflows and provides support for both single-location and multi-store operations.

CPS is here to help

Consumer Priority Service (CPS) is built to work with how appliance retailers already operate, from simple manual order entry to fully automated integrations. If you want to see how CPS Scratch & Dent coverage can work for your store, the CPS team can walk through your current setup and help you get up and running quickly.