What a SCAM! I purchased the 5 year plan for my 9 piece leather sectional couch. There are 2 tears on the back of two of the pieces and one of the nipples that connect the pieces is broken. I have not moved the furniture since it was delivered and installed the end of May 2011. The tears occurred when the installers pushed the sectional against the wall it became stuck to the wall. When I rearranged the furniture to accommodate my Christmas tree two pieces tore off paint from the wall and the pieces of leather stuck to the wall.
I called the next day to file a claim. I was immediately told the nipple was not covered, which I complained about but it did no good. Finally, three weeks later I received a call for a technician to come out and survey the damage. He spent 15 minutes looking and taking pictures. He told me that he would need to order two new pieces of leather to replace the entire back of each piece. Two weeks later I get a letter denying my claim.
I wish I had a chance to check out Guardsman before I took the plan but it is hard when you are sitting there believing what the salesman tells you. My next step is to file a complaint with the Better Business Bureau and anywhere else I can find. People need to know this is a scam. MOR Furniture will also receive a letter or two. We spent over $6, 000 there in the last 8 months! I want a refund for all the plans I have.