Using HSA is a crap shoot at best, as you are always in the position of potentially holding the bag for a repair or being subjected to numerous charges for “noncovered items”. I won’t relate my experiences here, as they so mirror those already explained.

I got rid of HSA. For me, their “service” was often a run-around or shell game. CSR’s are hit or miss; some OK some worthless. In a nutshell, the product was not worth my time and frustration, let alone money. Consumer groups say in general home warranties are a bad deal for the buyer.

At the end of the day know your recourse:

1. As an insurance product, HSA is regulated in most states by your Insurance Commissioner. If you get nowhere with HSA and feel you are in the right, file a complaint with them. Nothing gets an insurance company’s attention quicker than complaints from a state insurance commission, as they can bar HSA from doing business in that state.

2. Use your state’s Attorney General’s Office for complaints—most have a Consumer Affairs Division and will investigate. Again, something insurance folks don’t like.

3. BBB is an option too, but they have no legal or enforcement abilities. They simply make headway with honest companies only.

Good luck to all of you who continue with HSA and some of the other unscupulous “insurers” out there. Caveat Emptor (Buyer Beware)!

So many sites allow customers to review services, and there are plenty of good reviews on the internet, even on this site. It’s just not true that only unhappy customers write reviews.

Read the reviews for HSA. So many people going through so many similar things, it’s no coincidence. HSA knows that providing a service costs money, and they can make more money by giving customers the runaround however they can.

Like many others on this blog my home warranty with HSA was part of my home purchase package. I have been with them and continued to renew my contract for 5yrs now paying over $400 a year, because I was BAMBOOZLED! I am a first time homeowner and thought repair/replacement coverage on my 25 plus y.o. home was a good idea as things do tend to go out and when my central air went out they replaced it quickly, however I did have to spend over $300 out of pocket on “not covered” expenses, but being niave I feel for it. Well last Saturday the blower went out on my heating/cooling system. HSA’s service contractors were out by Monday and advised the blower motor was indeed bad and needed to be replaced. Made since, its been working hard blowing hot and cold air for nearly 30 years, especially this year as we’ve had record hi temps of 90 plus degrees and heat indexes in the 100s for nearly 50 days straight. Well HSA denied the claim stating “lack of maintenance” crap! I requested a second opinion as I don’t trust the rude, unprofessionals they sent out and work for them. HSA refused to send out another company. I called the contractor back for a quote, $1200 to replace the blower but suggested that I just replace the whole system for $1600. Wow! That’s what I thought I was paying HSA for!! Like seriously if had I been puting that $450 premium in the bank somewhere instead of paying HSA, I’d have over $2000 to replace the system! Sheesh! On top of that, I’ve had two other company’s out today with quotes between $400-$800! Both stating the blower failed because of age and/or defectiveness. “Its just burned out!”. HSA and their contractors are crooks! I WILL NOT RECOMMEND THEM AND I WILL NOT BE RENEWING! BUT I AM STILL WAITING ON UR RETURN CALL MR. PRESIDENT!! Sincerely ~>Falana

I live in a pretty large city and know of a lot of vendors that could have repaired my refrigerator in a much more timely fashion, but HSA could only call the 3 that were in their “Vendor Network” and if I wanted to find someone else then I could call and make my own arrangements.

Let’s think about this for a second…I requested a home warranty for convenience and if I wanted faster service I could call someone else, oh and by the way, I might have to pay out of pocket and apply for a reimbursement, but there was no promise that I would get refunded because even though I was “approved” to find someone else…but my claim was not approved and therefore carried no guarentee that I would be refunded any monies that I spent attempting to fix this issue.

Had I known these caveats I would have requested another home warranty company or I would have not got a home warranty at all.

Furthermore I know plenty of large national companies that have more robust networks of vendors, contractors, ect… that can respond to issues in a much more timely fashion…I work for one of them.

So, what am I alluding to by writing this post…simply put I expected satisfaction and resolution in a timely fashion…not a week after I make the first phone call and not to be let down in such a disappointing fashion.

Was my problem resolved…yes, but not by your company. No, I told them to drop my claim and I purchased a new refrigerator that was delivered today. I resolved my problem in a much more timely fashion without headache and phone calls.

I will not renew with HSA nor will I recommend HSA to anyone. I will be telling my real estate agent that your company does not provide quality service and that my experience has left me very upset.

And by the way…perhaps all the training you put your CSRs through should also be given to the supervisors, because when they talk in circles and fail to respond to the problem at hand that tends to upset people…especially very patient people who spent over an hour waiting to speak to them.

If you meant what you wrote then I would like the opportunity to see if you really mean what you say. I have included the website of the firm that I am employeed with. I am SVP of business development (which can be confirmed by going to said site)and would like to have the chance to discuss the problems that I have had with your firm, in hopes of possibilty offering some suggestions for improving the service. I await your response.

You can see a copy of our policy, clearly published on our site, at http://www.rwswarranty.com.

Therefore, basing your success on the number of renewals is not always a good judgment of your success and customer’s satisfaction.