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Home Warranty of Americafraud

C Review updated:

My husband and I purchased a home in tulsa, ok feb 25, 2009. It is an older home and was bank owned. The bank had had the home winterized and was in good condition. We hired a home inspector to inspect the structural and operating machinery of the home for any problems. Our realtor gave us the information about home warranty of america, stating they were one of the better warranty companies. I review the company web site, coverage and proces. I contacted the warranty company and spoke with a sales rep about the offered coverages. After care review, I selected all option that would meet our needs and the realtor emailed home warranty and purchased the coverage. Total premium $519.00. On april the 21st, the air conditioner was turned on for the first time since purchasing the home. Its seem to be cooling the home. Later in the evening my husband noticed that the ac was not blowong cool air. We assumed it must need freon, a normal maintenance item. My husband called home warranty and spoke with evelyn. Right away evelyn stated the ac was not covered under our plan. The following day, evelyn called us back and advised us that she would open a claim and send a techncian out, but if the was any damage, we would have to provide a copy of our inspection to her. The tech came out and found that the compressor pump had gone out. We received a call from evelyn rejecting out claim. She stated that the tech had informed her that there was no way the compressor had gone out in a day or two. I the made a call to the realtor and he gave me the sales rep for home warranty, penny roth. I explained the situation and wondered why there was no coverage when we had purchased an additional coverage for pre-existing conditions. Penny had me send her a copy of the home inspection, that stated clearly, due to the outside temp of 49 degrees, the system could not be checked. There fore if the ac unit was not working, then coverage would fall under the pre existing condition option. Penny said that was her question to the company and she would get back to me. She has never called back. Then I made a call to david soebel, vice president of sales. Mr. Soebel advised me, upon review of the claim, that since there is no proof that the ac was or was not in working condition at the time of contract purchase, they would rely on the opinion of the service tech, and that was why they rejected the claim. We have spoken to the service tech, the owner of apache hvac, david and he advised us that he did not tell evelyn any of the information she put on the claim. He stated there is no way of telling when a compressor pump goes out. David as offered us a signed letter stating that. I agsin called and provied mr. Soebel with this new information and he hen told me, to refer back to the contract, paragraph 1, section c. The unit is in place and proper working order on the effective date of the home warranty contract. And that the prior days conversation regarding the professional opinion for the service tech was no longer valid. Wow, double talk. It is my opinion that home warranty of america defines their policy coverage that best fits their needs, not the consumer. Fraudulent contracts are being sold. Someone must look into this and file charges against them. There are many complaints filed and most have the same discrepancies.

Responses

  • Je
    jessica biarbe Oct 03, 2020
    This comment was posted by
    a verified customer
    Verified customer

    Hot water Slab Leak. Home Warranty of America (referred to as HWA) was contacted. They sent out a company who identified our problem as a slab leak (I believe it was Acme Plumbing) - they don't do that type of work. HWA then sent out another plumber Benjamin Franklin Plumbing. They tore the wallboard under the water heater, drilled a hole in the wallboard in the master bath and gave us an estimate of $11, 200 for a complete water reroute and would be back the next day to start the job. In the meantime we were advised by HWA that Benjamin Franklin was no longer a contractor for their company, they apologized for not removing Benjamin Franklin Plumbing from their system and advised that they could look for another company or that we could find our own plumber, have them give an estimate and call them back - we complied another plumber with a 5 star rating. An estimate was written #0556. When the bill was submitted HWA didn't think it was detailed enough and asked for a re-written estimate, we complied and That bill was for $600 which was supposed to be reimbursed to us. HWA wanted to know what needed to be done in a phone conversation after the diagnosis, it was stated that we needed a hot water reroute and they said that was fine, have the job done and send the billing in for reimbursement, this was confirmed by two separate employees of HWA- never mentioning that a water reroute was not covered in their contract - verbal authorization was given to us because it wasn't a complete water reroute. The work was performed by our plumber who HWA authorized. The billing was written and paid and we were told there was not a problem for reimbursement just email the invoices, we complied and verified they received the invoices and we were told they would have a check sent out in 3-4 weeks. In between time HWA contacted our plumber and inquired regarding the repairs. They wanted to know Repair costs ($1200) minus access ($150), Drywall repair ($425) minus texture ($50) and the cost of materials ($223.44) which was a total of $1648.44 in customer reimbursements. Our plumber advised after speaking with HWA that my cost out of pocket should be approximately $200. HWA never contacted us even though they said they called and emailed. We contacted HWA [protected] wondering where our reimbursement was and at this time we were told we would have a check $750, not the $1648.44 (repair) plus $600 (diagnosis) expected from their verbal authorization by HWA representatives. I would like to have this company investigated for Insurance Fraud and receive the reimbursements that were verbally approved per HWA representatives to both myself and my plumber.

    0 Votes
  • Ch
    Chris Hersch Jun 03, 2016

    I've had the OrangePlus contract with them for about 6 months. My A/C went out recently, and they sent a technician out to my house to inspect the unit. When the technician told the company that the entire unit needed to be replaced, the company claimed it was a pre-existing condition. When I sent them documents as well as my home inspection report showing that the unit was in fact in working condition as of several weeks ago, the manager of the authorization department, Irene, proceeded to tell me that they would not cover my repair/replacement because my inspection report was not a valid one and get this...because it did not have PAGE NUMBERS. This is despite the fact that it was written by a licensed home inspector in my state. Since they couldn't find any other reason to deny my claim because my maintenance documentation was impeccable, they came up with some bogus reason like not having page numbers on my home inspection report. Absolutely absurd. I'm pursuing legal action against the company right now. But if you are thinking about buying a home insurance contract with this company, stay away. There is a reason why this company is so poorly ranked on this website (and others).

    1 Votes
  • Te
    texas hvac Jul 19, 2011
    This comment was posted by
    a verified customer
    Verified customer

    I think many home inspections are done either from their office or in a car out front of the house. As an HVAC contractor, not associated with any home warranty companies I might add, I'm repeatedly told by new homeowners that the AC passed the home inspection when I know it's absolute BS. Isn't it amazing how many AC systems breakdown the first day/week you move in. Why anyone, homeowner or contractor, would deal with home warranties is beyond me. I live in Texas & respond to my customers within 1 hour. I have a loyal base & many referrals. I've spoken to contractors who work with those companies. They say, they don't get squat & have to flag houses for code violations & other astronomically inflated miscellanous maintenance fees. I don't understand why people don't save their $50/month charges & call a real HVAC tech? 90% of my calls are handled for under $200. plus I'm there within an hour. I carry thousands of dollars in parts & outside of a compressor or inner/outer coil, I have your part about 95% of the time & repair it in 1 hour. I'm sorry you're not my customer because if so you wouldn't be posting here, you'd be sitting home cooling off telling your friends about me.

    0 Votes

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