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Seller Claims Guide

Seller Claims Guide

This guide explains how and when sellers may submit a claim under a Realty Guardian® Seller Safeguard Plan. It outlines required timelines, documentation, and the review process. This page explains process only and does not expand coverage.

Important: Realty Guardian® Safeguard Plans are not insurance. Claims are reviewed for reimbursement consideration and are subject to plan terms, eligibility requirements, documentation, and submission deadlines.

Who May Submit a Seller Claim

A seller claim may be submitted if the Guardian Agent properly enrolled the seller in a Seller Safeguard Plan for the transaction and whose claim relates directly to a covered safeguard.

Claim Submission Deadlines

Legal Defense Claims

Legal Defense claims must be submitted no later than six (6) months after the closing date. The claim must be opened within this six-month period.

All Other Seller Safeguard Claims

All other seller safeguard claims must be submitted within forty-five (45) days of the applicable transaction event related to the safeguard being claimed.

Required Documentation

All seller claims must include core documentation plus claim-specific documentation.

  • Executed listing agreement and applicable addenda
  • Executed purchase agreement (if applicable)
  • Closing statement or termination documentation
  • Proof of enrollment in the Seller Safeguard Plan
  • Government-issued identification
  • Proof the expense was actually incurred and paid

What Is Not Covered

  • Market value changes or lost opportunity
  • Lost profits or anticipated gains
  • Emotional distress or inconvenience
  • Commission disputes
  • Expenses not listed in the Seller Safeguard Plan
  • Claims submitted outside required timeframes

Claim Review Process

Claims are reviewed after all required documentation is received. Most complete claims are reviewed within 10–14 business days. Submission of a claim does not guarantee reimbursement.

Ready to Submit a Seller Claim?

Review this guide carefully before submitting your claim. Claims submitted outside required timelines may not be eligible.

Submit a Seller Claim