I purchased an area rug and the Worrynomore 7 year warranty from the Macy's rug gallery. Several month's later I spilled a large cup of coffee on the coffee table which spilled onto the rug below. It created a large stain on the rug. I subsequently filed a claim to have the rug cleaned or replaced as per the terms under the WorryNoMore contract with Uniters. Eventually they sent a technician to my home who I assumed would attempt to clean the stain. He spent a few minutes evaluating the damage, took a few pictures and left. Several days later, I received an email from Uniters stating my claim was being denied because their assessment was that the rug showed signs of numerous stains from multiple incidents. This is simply not true. The only stains on the rug are the result of a single incident as described above. I disputed their decision by sending numerous pictures showing how the stain conformed to the contours of the coffee table. Once again after several days I was once again informed that my claim had been denied and the case was now closed. I have since learned that this is a common ploy by Uniters. It appears their business model is to collect the premiums and then deny any claims. BUYER BEWARE Uniters does not act in good faith.