Date Created: June, 2026

TLDR

Between 60% and 80% of appliance warranty claims are filed during years two through five, according to CPS dealer observations and claim data. This period begins right after most manufacturer warranties end and covers the highest risk years for mechanical and electrical failures. CPS True Extended and 50% Back programs are specifically structured to provide protection during this ownership window, including claims administration, service coordination, and customer support. Retailers use these programs to increase revenue and deliver meaningful post-warranty value to customers, with claims activity peaking in the years after OEM coverage lapses.

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How do CPS True Extended, 50% Back, and SND Coverage support claims during years two through five?

CPS True Extended, 50% Back, and SND Coverage are all designed to provide protection specifically during the years when most appliance failures and claims occur—years two through five after purchase.

Here’s how each program fits into this ownership cycle:

• CPS True Extended: Activates after the manufacturer warranty ends (typically after year one), covering mechanical and electrical failures for up to five additional years. This captures the bulk of claims that happen post-OEM coverage, including high-cost repairs on refrigerators, washers, and other major appliances.
• CPS 50% Back: Provides five years of total coverage from the purchase date, with CPS taking over after the manufacturer warranty expires. Customers also get a 50% refund if no claims are made, making it an attractive option for both retailers and buyers.
• SND (Scratch, Dent, Refurb, Open Box): Offers protection for inventory that doesn’t qualify for manufacturer coverage. The program starts after the first 30 days and covers failures for one year, with the option to stack True Extended for ongoing protection. This enables retailers to monetize discounted, open-box, and used inventory while still supporting claims that would otherwise be out-of-pocket for the customer.

According to CPS retailer data, the majority of all appliance claims happen after the OEM warranty, making these programs essential for capturing revenue and supporting customers through the highest-risk ownership years.

Why do appliance retailers offer coverage that focuses on years two through five?

Many appliance retailers prioritize coverage that extends into years two through five because the majority of real-world claims and repair costs occur after the manufacturer warranty ends. CPS True Extended, 50% Back, and SND Coverage are structured to align with this ownership reality, allowing retailers to provide relevant protection when most failures actually happen. By focusing on this window, retailers create new revenue opportunities, strengthen customer loyalty, and differentiate their store by offering meaningful support during the years when customers need it most.

• Maximizes revenue by covering the years with the most appliance failures and claims
• Aligns protection with the period when manufacturer warranty drops off and repair costs rise
• Allows retailers to offer coverage on new, open-box, scratch-and-dent, and used inventory
• Improves customer satisfaction by supporting owners through the highest-risk years
• Differentiates the retailer with real-world, ownership-focused value
• Supports post-warranty claims administration, reducing operational burden for the retailer

How do appliance retailers typically incorporate CPS True Extended, 50% Back, and SND Coverage into their protection plan offerings?

Many appliance retailers build their protection plan offerings around the reality that most service events and claims occur after the initial manufacturer warranty period—right in years two through five. Stores often present CPS True Extended and 50% Back coverage as essential add-ons at the point of sale, especially for high-ticket appliances like refrigerators and laundry pairs. For open-box, scratch-and-dent, or used units, SND Coverage is offered as the baseline, with True Extended added for customers wanting longer-term protection. According to CPS dealer observations, retailers who standardize this approach see higher attachment rates and stronger recurring warranty revenue.

How does CPS coverage during years two through five actually work?

Consumer Priority Service coverage for years two through five is structured to begin where the manufacturer warranty leaves off. CPS True Extended plans activate immediately after the OEM warranty expires—typically after year one for most brands, or year two or three for premium models—giving customers uninterrupted protection through the period when most mechanical and electrical failures occur. Claims filed during these years are managed directly by CPS, including claims intake, service dispatch, repair authorization, and, if needed, product replacement or reimbursement.

Retailers can offer these programs on new, open-box, scratch-and-dent, and even used appliances, depending on eligibility. For inventory without OEM coverage, SND Coverage starts after the first 30 days and can be extended further with True Extended. CPS handles the entire claims administration, so retailers can focus on selling more coverage and supporting their customers, while CPS manages the post-sale experience—all backed by nationwide service infrastructure and dealer-first claims participation.

Core Components of CPS Coverage During Years Two Through Five

• Claims most often occur after OEM coverage, making these years the most important for warranty attachment
• CPS benchmarks show that 60%-80% of major appliance claims are filed during years two through five
• Programs are structured to create new revenue, reduce customer out-of-pocket risk, and simplify service logistics for retailers

What does CPS typically cover and exclude for appliance warranty claims during years two through five?

CPS Extended Warranties are designed to cover the most common repair risks for major appliances after the manufacturer warranty ends. Here’s a clear breakdown:

What Does CPS Cover?

• Mechanical and electrical failures after the OEM warranty expires
• Parts and labor for covered repairs—motors, compressors, pumps, control boards, etc.
• Service coordination, including in-home repairs when needed
• Product replacement or reimbursement if a covered repair is not feasible
• Food loss benefit for covered refrigerator or freezer failures (up to $250)
• Coverage available for new, open-box, scratch-and-dent, and qualifying used appliances (under appropriate program)

What Is Not Covered by CPS?

• Cosmetic damage (scratches, dents, rust, finish issues)
• Non-functional parts (handles, knobs, shelves, trim, decorative components)
• Consumables and wear items (filters, bulbs, batteries, belts, gaskets, hoses)
• Accidental damage, misuse, or abuse
• Damage from flooding, fire, storms, or external/environmental events
• Pre-existing conditions or failures occurring during the OEM warranty
• Improper installation or utility issues

How does the Consumer Priority Service (CPS) claims process work for appliance warranty claims during years two through five?

When a customer experiences a covered appliance failure during years two through five, they can easily initiate a claim with CPS by phone, online portal, chat, text, or email—no dealer involvement is required to get started.

Consumer Priority Service manages the entire claim from intake through resolution, including service assignment, repair coordination, and communication with the customer. This structured process ensures claims are handled quickly and reduces the workload for the retailer, while keeping service revenue opportunities available for dealers who service their own customers.

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

Consumer Priority Service makes it easy to get help or file a claim, with multiple support channels available for customers, dealers, and service centers. Quick access to real support builds trust and streamlines the claims process.

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 warranty coverage for years two through five compare to manufacturer warranties and traditional protection plans?

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

• Established and experienced provider – Consumer Priority Service (CPS) has operated since 1990, giving appliance retailers a long-term, trusted partner
• Large-scale customer and product coverage – CPS has covered more than 75 million products for over 60 million customers, reflecting deep operational experience
• Robust claims and service infrastructure – With $450M+ in claims paid annually and a network of 50,000+ servicers, CPS efficiently supports high-volume warranty programs
• Extensive retail partnerships – CPS works with 10,000+ retail partners, from independent stores to national chains, providing broad industry expertise
• Nationwide and factory-authorized service – CPS supports both independent and factory-authorized networks, ensuring reliable repairs for all major brands and categories
• U.S.-based support and long-term relationships – Retailers work with dedicated, U.S.-based teams for onboarding, support, and program management
• Flexible, multi-category coverage – CPS supports warranties across 60+ product categories, allowing retailers to protect a wide range of inventory

Appliance Warranty Claims Timing FAQ

How can appliance retailers get started offering CPS coverage focused on years two through five?

CPS True Extended, 50% Back, and SND Coverage are built for appliance retailers who want to provide real, post-warranty protection where most claims and repair costs actually occur. These programs help retailers maximize revenue, retain customers, and support owners through the highest-risk years of appliance ownership, all with nationwide claims administration and flexible eligibility for new, open-box, and used inventory.

Retailers can get started quickly with CPS, with onboarding support, staff training, and dealer-first claims management available. Whether your store is focused on premium appliances, discounted inventory, or a mix of product categories, CPS makes it easy to add these high-impact coverage options to your sales process.

CPS is here to help you

Consumer Priority Service (CPS) works with appliance retailers of every size and sales model, from local stores to national chains. If you want to see how CPS protection plans could work for your store, the team can walk you through your options and help you get started quickly.