Guardian Agent Quick Reference

How to Explain Claims

Use this script and checklist to explain Realty Guardian® Safeguard Plan claims clearly and consistently. Keep it calm, factual, and anchored to the Buyer/Seller plan pages.

30-Second Script (Say This)

“Realty Guardian® isn’t insurance. It’s a safeguard plan that may provide reimbursement consideration for certain documented out-of-pocket expenses, based on the plan terms. If a covered event happens, we submit a claim with documentation, and it’s reviewed under the plan’s eligibility and limits.”

Key Do’s

  • Anchor everything to the Buyer or Seller plan in effect for the transaction.
  • Set expectations: claims require documentation and are reviewed for reimbursement consideration.
  • Collect proof of payment (receipt/invoice + payment confirmation) for any claimed expense.
  • Submit on time: use the deadlines on the right side of this card.

Key Don’ts (Protect the Brand)

  • Don’t say “guaranteed,” “covered like insurance,” or “we will pay.”
  • Don’t promise specific outcomes, amounts, or approvals.
  • Don’t add new covered items beyond what’s on the Buyer/Seller plan pages.
  • Don’t delay—late claims may not be eligible.
Best phrase: “reimbursement consideration under plan terms, eligibility, and limits.”

Buyer Deadlines

Legal counsel: submit within 6 months after closing.

Earnest money: must be unreturned for 3 months after contract failure/termination, then submit within 45 days.

All other buyer claims: submit within 45 days of closing (if closed) or termination/failure date (if not).

Seller Deadlines

Legal defense: submit within 6 months after closing.

All other seller claims: submit within 45 days of the applicable transaction event tied to the safeguard.

Core Documents (All Claims)

  • Contract set (purchase or listing + addenda)
  • Closing statement (if closed) or termination documentation (if not)
  • Proof of plan enrollment for the transaction
  • Government ID (verification)
  • Invoice/receipt + proof the expense was paid
Tip: If a client asks “Will this be paid?” respond: “We’ll submit it with documentation for reimbursement consideration under the plan terms.”
Go to Claim Submission