Well, I went to take my dog for a walk, and on the way back, noticed an unfamiliar "whining" sound coming from the side of my house [yes, the side where the AC condensing units are].
The upstairs unit was running but not the FAN!! Put my hand over the unit and holy crap it was in meltdown.
Reached out and snatched that disconnect and then turned off the thermostat.
Now its time to see what the home warranty company has to say. But first, I need to cross my T's and dot my I's. I have heard that if the unit "looks" dirty, they will not warranty it [suggesting home-owner neglect]. It was cleaned about 6 months ago thoroughly. No amount of dirt on the coils could stop that fan, IMHO, but just to be sure should i wash it out first. i'd rather not take the cover off, fear of giving them any excuses not to warranty it. I havent called it in yet. The compressor was running [but it was not cold up stairs].