A new garbage disposal costs $80–$200. Installation typically $100–$200. Total replacement out-of-pocket: $180–$400. Your warranty service fee: $65–$125. The math matters - and sometimes skipping the claim is the right call.
What's Covered
Motor failure - disposal hums but won't turn, or doesn't respond at all
Electrical switch failure
Full unit replacement when repair isn't feasible
What's Excluded
Improper use damage
Putting items down the disposal that shouldn't go there - bones, fibrous vegetables, glass, silverware - is improper use. If a technician sees foreign object evidence, the claim is denied.
Jams
A disposal that's jammed (not mechanically failed) is a maintenance issue. The reset button on the bottom and the hex wrench slot in the center are your first steps.
Physical damage
Cracked housing, damaged mounting flange - excluded.
The Service Fee Math
| Scenario | Your Service Fee | Replacement Cost | Savings |
|---|---|---|---|
| Low service fee plan | $65 | $250 | $185 |
| Mid-range service fee | $100 | $250 | $150 |
| High service fee + basic unit | $125 | $180 | $55 |
| High fee + want upgrade | $125 + upgrade cost | $400+ | Minimal |
File a Claim vs. Self-Replace
File a Claim When
- Motor has mechanically failed (not jammed)
- You're okay with company-supplied unit
- Your service fee is $65–$75
- It's clearly a covered failure
Self-Replace When
- Service fee is $100–$125 (close to DIY cost)
- You want a specific brand or higher HP unit
- It's clearly a jam you can fix yourself
- Disposal is cheap to replace outright
Check first before filing:
- 1 Press the red reset button on the bottom of the disposal unit
- 2 Insert a 1/4" hex wrench in the center port and manually rotate to free a jam
- 3 Check that the switch wiring hasn't been tripped