HSA Home Warranty
Home Warranty Plan Details and Reviews for HSA Home Warranty
Premium: $320-430
Deductible: $50-75
Effective: At closing or 30 days...
Web: onlinehsa.com
Deductible: $50-75
Effective: At closing or 30 days...
Web: onlinehsa.com
Customer Service 
Service Timeliness
Repair/Replacement Service
Overall Rating
Total Reviews: 174 Rate this Company!
Service Timeliness
Repair/Replacement Service
Overall Rating
Total Reviews: 174 Rate this Company!
Coverage Area: USA - All States
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Home warranty is a complex insurance product. Unlike home insurance, it does not provide blanket coverage for all appliances. Pre-existing conditions and problems resulting from lack of maintenance of appliance are are generally not covered by home warranty companies. Home warranty sellers may not state these factors clearly, and this will create dissatisfaction among customers. Due to these factors, you will see many negative reviews here. Don't be intimidated by some negative reviews here. If you have maintained your appliances in good condition and go with a reputed home warranty provider, your coverage will be fine. |
We do not endorse any company in particular, however you should ignore the reviews that are overly negative or positive. Such reviews are not likely to offer a balanced view and some of them could be fake reviews posted to promote or demote a company. It is always a good idea to check BBB ratings and make sure the company is licensed to do business in your State by contacting State Insurance Commission. Try to avoid paying annual premium and keep your cancellation rights
President and CEO of HSA Home Warranty has responded to the criticism aired by some of their customers. Please read HSA Home Warranty Response
they always paid their claims fairly and even replaced fairly
HSA makes it difficult for the consumer to get full reimbursement. They require that the workman calls them while they are at the house, but they put the workman on hold for a very long time. Then, they grill the workman extensively to see if there’s any way they can get out of paying in full for the job. The workmen who undergo this grilling have complained to me that they don’t like being treated in such an adversarial way. Often, HSA finds a way to avoid reimbursing me fully. All in all, it is very frustrating to work with them.
Seem to do whatever they can to get out of paying for repairs. The supervisors are very difficult to get in conact with. Have been fighting them on furnace reapirs for almost 2 months now.
Three major repairs on 18 yr old home in 2 1/2 years. TOTAL REPLACEMENTs with low deductible. Very timely. VERY SATISFIED. Has more than paid for itself 4 times over!
If I had not had the policy for the past 6 or so years and fixed all of my breakdowns out of pocket, due to the rejection rate they impose I would have been way ahead of the game by now. Is this what insurance is about? Or are we just being ripped off through small print on contracts. They can take this policy, and, oh well, you know what they should do with it.
The claims representive was so rude to the repairman at our home, that he threatened to hang up. Also- they arbitrarily said that a repair on an internal part needed on our 13 y/o dishwasher was due to impropper use vs. wear and tear with NO evidence to support that assumption. They proceeded to deny the claim. DO NOT waste your money on this service. They won’t even let you cancel if you are dissatisfied. No wonder!!!
Total unwillingness to put forth any effort to assist in service delays on both a service center staff and management level.
Filed a hot water claim on our recently purchased home and HSA sent someone over 2 days later. What a loser! Most unprofessional repairman I’ve ever met, and basically told HSA that our work on a shower and hot water heater were due to faulty installation (huh?) and therefore not covered. We had to pay him $100 deductible, he charged HSA service labor and diagnostic fees and I’m using my own plumber. Interestingly, two other plumbers I called out (at my expense) agreed the work was fixable and not faulty installation, and so I am now fighting with HSA to get some sort of reimbursement. Disaster…and an expensive one.
They have denied every claim I have filed with a poor excuse. Be as vague as possible with your claim and appeal the claim when it is denied. READ CONTRACT BEFORE CALLING!
I have had two claim types – furnace and sewer line. Since HSA makes it difficult to get reimbursed for work performed by their customers’ contractors, I decided to use the HSA recommended furnace and plumbing companies. 1. The furnace company they wanted me to use rescheduled 5 times. The HSA preferred furnace vendor never made it to any of the 6 appointments. 2. The basement floor drain backed up 4 times in 1.5 years. The first three times HSA recommended the same company. The plumber supposedly snaked the drain and I was charged the deductible. This week HSA recommended a different plumber. He claimed that there is no way the previous plumber got the snake down the floor drain and that he would need to install a T-line, which was not covered under the plan. I agreed to this expense. This HSA recommended plumber claimed he pulled back tree roots – which he did not – and HSA denied the claim based on this allegation. I disputed their decision, but the HSA supervisor told me there was nothing she could do. I’ve been duped – twice – and I won’t renew again.
HSA is a huge waste of money. Their recommended contractors are unreliable and/or dishonest.
This is by far the worse company out there! I had to basically demand to speak to the “top” people to get my a/c fixed and after phone call after phone call FINALLY it was replaced and now this year they’ve decided not to allow me to renew my policy! STAY AWAY!!!!! Their contracted a/c and heating people are the worse!!!!
customer service reps were rude
Had HSA for five years and replaced/repaired hot water toilet, leaking toilet, heat pump, furnance motor – all without problem. Without notification, we were not renewed due to management decision to no longer offer warranties in our state.
This is a second rate warranty company that doesnt care about you. Beware they will not take care of you in paying for any repairs and make up a line of miss leading acusations that are not true to get out of paying for your repairs. We purchased the warranty in Nov. 2007 and when we filed a claim in June 2008 on our A/C they denied it!!!!! how can you run your a/c in the winter? Doesnt add up does it hmmm dont waste your time with this company they will not help you in your time of need.
My experience has been awful. They will do everything to get out of a claim. Very frustrating. Do not use this company.
We have used HSA twice in the last year with no issues other than we had to find out own repair man because they had no one in our area with availability. I’d rather pick my own person anyway. We were reimbursed timely and had no issues other than things we knew were not covered when we signed the contract.
As a service provider, I cringe when I hear HSA.
I just purchased this warranty in February, after reading some positive reviews. I am now regretting that decision, and will NOT renew. My a/c has gone out, and they’ve found every possible way to get out of paying the claim. On top of that, they are also telling me I have to pay an additional $15 beyond my $50 service fee to the company that came out to check out the problem, with no explanation for the increase. Stay as far away from this company as possible…they are a bunch of crooks, and don’t care at all about you. The person who called me sounded almost chipper as she told me they weren’t going to pay for anything, as if she enjoyed telling me no.
Total ripoff. made me pay 3 -$50 deductibles for furnace diagnosis and then would only pay $1200 of $7000 bill for a furnace on a 3000sq ft home. what a joke. took 4 months and numerous calls to get check.
I have HSA on my home and also on my rental units. In 3 years I have replaced 2 water heaters and a furnace in my rentals and the whole a/c unit in my home. They were courteous and fixed everything for the deductible plus any upgrades needed to get to code. Well worth the money.
We’ve just been in this home for a few weeks and found out that our a/c doesn’t work when an unexpected heatwave hit. We’ve told them that I am in a wheelchair (stuck in this house with the temp approaching 87 indoors), but still had to “haggle” to use our own person to come out after their suggested contractor had no openings for “a few weeks”! Our home has over 2000 sqft (old farmhouse) and they now insist we must accept one of their (outdated and stockpiled in anticipation of cost increases due to new energy efficiency standards) 10 SEER units (instead of the 13 or 14 SEER that would be more efficient and we were hoping to get even if we had to pay a “cost difference”) or accept the buyout option of (get this!)$750!!! (Just where does this cover the cost of an a/c and installation???!!!)
Do not deal with these people. Look for a company that inspects the properties they insure! Make sure that are no unreasonable exemption! Even as a buyer, request that the seller go with a company you researched! Do not think even once that this insurance will cover any shortcomings of the seller’s property! (This company will obviously go a mile to avoid adequate replacement/payment!)
This is the worst home warranty company ever
I’ve never had such a bad service experience in my life. It took almost a year and multiple visits before HSA accepted the fact that they needed to replace my dryer. Service and management were rude, uncooperative, and/or unwilling to honor commitments and promises. I’ve dealt with many of the complaints below, plus they did not respect my time or the repairmen.
Had a service call for an A/C failure. Took the certified contractor 5 days to come out. When contractor came out he called HSA, came in and said HSA should be in contact with me over the weekend.
Monday comes and I get no call from HSA, so I call them. Their response is that my furnace had been tampered with on a prolonged basis such that they cannot diagnose the problem as wear and tear. The furnace was not tampered with short of turning it on and off.
So they receive a low score in all areas since they 1) did not return my call in a timely manner 2) booked us with a contractor that took a week to come out and 3) created faulty claims in order to avoid the repair.
In my experience, they are little more than legalized scam artists.
I’m considering hiring an attorney.
They seem to function fine until my microwave could not be repaired. Replacement was a impossible problem and we just gave up the cash settlement did not happen. If you need a replacement your in trouble they become impossible to deal with.
Overall I believe they are worth the investment. They do put you (and your tech) on hold for a long time. If you use your own service person or one of theirs, then they have to call when they get to your home. Knowing this in advance, I always have something to drink or eat while we wait. Once the diagnosis is delivered they are more than fair with a replacement piece. I would not advise taking a cash out as they provide their heavily discounted price and labor rates towards the cash-out value.
We had our A/C replaced and had to play the game this summer but came away witha very nice and working unit. A/C has to be the most frustrating part of this equation. Plumbing, electric, garage doors are all unique to the individual home. A/Cs however fail in groups when the temp spikes. This causes a back up of service tech and a shortage of parts. Like I said, you will have to wait but my $470 policy has already paid for a 4 ton A/C unit, 2 garage door openers, ejector pump in the basement, ceiling fan and some other little stuff.
Again, the wait is one thing but this policy has saved me over $10k.
I have had this company for a year now and all I have done is lined there pocket and the service techs they use with my money. Run away fast they just want your money. The people who have had success with them must know the service guysbecause the ones I got were cold and uncaring.
Be careful if you decide to purchase this when buying a home. Look closely at HSA’s roof coverage, it states it will not cover improperly installed roofs or damage due to mother nature. When you think about it, that means it does not cover roofs at all. This was a big selling point to me.
Also watch out if your inspector missed anything, as they always do, HSA will not cover anything that has been jack-legged by the previous owner.
I am a territory manager for HSA Home Warranty.
I was sent the link to this customer review site by a realtor who misunderstood a home inspectors rating system for a heating system, thinking that “B” fell into the elementary school grading system, and therefore, “B” was good, when in fact, as stated right on the home inspection, “B” meant “This item is not functioning as originally intended. Maintenance, repair and upgrade, is required.”
I’m glad the realtor sent it to me. After reading some of the reviews, and doing a little research, I’ll now be able to give people a chance to hear the other side of some these stories.
I want to thank those of you who posted your beneficial and/or positive experiences with HSA. Unfortunately others decided they didn’t want to share theirs, so I’ll do it for them.
The author of one of these negative reviews renewed with us 3 times, and we paid out almost $1200 over that time.
Another author of a different negative review only had our warranty for 1 year, and we paid out over $700. The warranty cost them $399
Another author had warranties on 5 properties. 2 of them had no claims. On the other 3, one we repaired the A/C & water heater, one we repaired the A/C, and the third, we would’ve replaced the clothes washer, but they decided they wanted to cash out instead, so we paid them directly, over $300.
Yet another had almost $1300 in paid claims, and renewed their warranty for another year after they made this post.
Home warranties aren’t magic pills. They were never intended to be. So, if home warranties aren’t magic pills, what good are they? Well, what good is car insurance? Home owners insurance? When used the correct way, they offer very good benefits, and can save you a lot of money, but they have to be used the correct way. In order to be used in the correct way, you have to know how they work, that is, how/when to make a claim, what the warranty covers, and maybe more importantly, what the warranty doesn’t cover.
Feel free to respond. I’d love to answer any questions you have.
2 service/repair issues the first year in my 13 year old home in Las Vegas, Nevada (water heater & refrigerator not cold). $55 deductible.
Customer service – contact w/HSA through their website. Not much to report on that.
Timeliness – HSA responded Monday morning when water heater broke on Sunday morning… HSA responded 3 hours after refrigerator service call made (weekday).
Repairs – Replaced water heater 2 days later after technician visit. Had to pay $325+deductible for items not covered under warranty… Refrigerator repaired same day.
Overall – only complaint was that service company had to reschedule service for refrigerator repair (1 day). I plan on renewing w/HSA. HSA is good in the Las Vegas area. (warranty companies are only as good as the service companies they use)
(I noticed the complaints about HSA as well as all the other warranty companies. I work in the a/c service industry and run into the same complaints found on this message board. Problem is that people do not read the contract throughly and thus the complaints. You have to have service done on appliances, like your a/c, pool, heater. Items over 10 yrs old will have to be replaced because of technological innovations and the discontinuation of parts for the old units. i.e. you can’t expect a car over 10 yrs old to run well if you don’t service it, plus the older it is, the harder and more $$$ the part would be.)
—– from a service contractor point a view this home warranty gets approx. 30-40% discount on service and parts.It is hard to deal with, the deductable does not cover contractors time. I only get calls on after hours, holidays, weekends and I only get paid for regular time if lucky. Usually if the call needs a repair it has to put me in the middle of the problem/solution and possibly will make me the bad guy. I am a one man service company and follow many second opinion or recalls of other companies.
I have had some good experiance with HSA but will not continue to use if things do not change very soon.I do need to make money to stay in business, the deductable does not cover gas, insurance, parts, license, the cost of doing business. The phone tag and wait period on the phone does not make the contractor any money. It actually loses money at times of peak seasons.
To Justin- I’d love for you to contact me via email and then phone (benmaxin@yahoo.com) to discuss the glowing terms you refer to your company in. My experience couldn’t be further from the truth. After a first year of coverage, and one $20 part fixed on a washing machine, we decided to re-new after a few months of lapsed coverage. After plunking down $500+ we discovered within a month that our water softener unit had seized up due to age. (It’s at least 20-30 years old) We have well water and thus need a functioning unit. To make a long, frustrating story short, we have been fighting with HSA to get techs out to analyze itfor WEEKS, the first tech was rudely treated and questioned even AFTER he gave the best answer that he could (sounds like a recurring theme from HSA) about it simply not working anymore due to age…. then waited 2 more weeks after numerous calls to their plumbing reps and no return calls for a 2nd opinion estimate that finally came on Oct 17 (this all originated in early Sept). Today I get the expected call with some BS reason that they won’t cover the unit!!!!
So two years, $1000+ and we get NOTHING. How many warranty owners (100’s? 1000’s??) pay in full and NEVER require one visit/fix?? And when people like us call with a legitimate concern/repair, we get treated like criminals and 2nd class citizens. I’d love to talk to a Supervisor if one would ever have the courtesy to call me back. WE WILL get a refund or the Better Business Bureau will be contacted along with every local TV news show/newspaper until HSA’s name gets drug through the mud…
Never had such poor service with ANY company. Not even the crook cable companies… or a sneaky car dealer. Please Justin, please have the gall to respond personally to me.
And to all you reading- STAY AWAY FROM HSA. All of these posts are legit…I wouldn’t be surprised if the 3 or 4 positive posts are from HSA reps… God knows they have time while customers sit on hold for 15 minutes every time they call.
Ben Maxin
Pgh PA
After reading the reviews, I’m not surprised that my comments are almost identical. I am a Realtor who purchased the HSA warranty, with the 5 star upgrade and roof, for 2 of my clients. Both clients had house problems and told me that HSA representatives were rude, abrubt and just plain nasty. HSA does everything they can to get out of paying a claim by saying that the problem was “pre-existing”. The problem at hand was a cracked heat exchanger. A picture of it was forwarded to Justin at HSA and his comments (still on my voice mail) were: “we’re not even sure that the picture IS a heat exchanger” and “even if it IS a heat exchanger, we can’t be sure that it’s actually the one that is IN that house”! These comments are absurd! Basically HSA is saying that the homeowner went door to door, asking people if they had a cracked heat exchanger that he could take pictures of. Otherwise the comment about not being sure that it’s even the one that is in that house, wouldn’t have been made. The Homeowner had a home inspection that stated that the inspection report does NOT comment on Heat Exchangers, and that it was recommended that the homeowner has the heating system cleaned and serviced. I have never met a homeowner that would pay for that before they actually own the house, especially where this was a short sale and it’s not even guaranteed that they would be getting the house at the offered price. In the other Homeowner’s case, a Home Inspection was done and the Home Inspector went up into the attic by means of a pull down stairway. The Buyer went with him, and there was absolutely no evidence of water staining, water penetration, water leaking, or damage to the roof boards. It was, however an older roof, but the home inspector said it was in good shape. Knowing this buyer, he never ever would have purchased the house if there was even a small problem with the roof. After he moved in, he got leaks, and HSA again said that the problem was pre-existing, and he had to pay for a new roof. I personally had been at that house when it was torrential downpours, and I never saw any leaks, nor did the homeowner. As a licensed Broker for over 21 years, I have been to numerous home inspections, and I know what to look for when listing a home, regarding potential problems, and there were NONE with the roof! HSA are scam artists, taking your money, then calling everything pre-existing, and denying the claims. If you want to look at it that way, EVERYTHING is pre-existing if it’s not brand new. The question here is that the homeowners had no knowledge when they bought the house, that there was any problems, and the warranty is supposed to be peace of mind for them. Both cases were nightmares. The people at HSA are RUDE and SARCASTIC! Both homeowners that I paid $515.0 for a warranty for, told me that they have thrown away the warranty and even if they have a problem, they will NOT call HSA. I tried to get my money back for the warranty, but of course it’s non-refundable. HSA should be put out of business! Please, do NOT use HSA! They do not care about you or your home. They do not take care of problems and they call every problem pre-existing to get out of paying the claim. They are ruthless rip off artists.
This company is a RIP OFF! I had a furnace claim, and had to go through 2 furnace companies. Had to purchase a furnace out of my own pocket, because they kept giving me such excuses for everything. I have since hired an attorney and will contacting the Wisconsin Dept of Regulation & licensing. They should have thier license revoked and our money we have invested in this–reimbursed. My story is no different than anyone else’s who has posted a story. Got in touch with my realtor and told her what a farce this really is, and I would tell anyone else DO NOT BUY ONE OF THESE WARRANTIES!!!! BEWARE!
I bought a home in February, and my agent demanded that the seller include a ‘home warranty’ through HSA. I didn’t think much of it at the time. Well, my hot water heater has developed a pin-hole leak and needs to be replaced. Because we have four bathrooms, including a Whirlpool tub, the heater is a high-performance A.O.Smith.
When I called to start the claim process, they directed me to their preferred service provider. When I contacted this provider, he said he wasn’t working with HSA in my area because the business recently changed hands. I called HSA back, and they told me that there was in fact a hold on this provider, and that I may call the provider of my choice.
After calling a well-respected plumbing service, we quickly determined the drop in replacement. They immediately called HSA to get ‘pre-approval’, but HSA stated that they needed time to formally approve the claim.
Thinking that 24 hours would be sufficient to gain approval, we scheduled service for the following day. In the meantime, I spoke with the HSA reps twice to check on the approval. I made it clear that this needs to be fixed on an ASAP basis, as I have a small river in my basement. They continued to assure me that the process was on-going and would be complete soon.
About 24 hours later, when the service providers came to my house, the claim still was not approved. I had the service providers immediately call to make sure approval went through, but the rep told me that they would only offer a ‘cash buyout’ worth approximately 50% of the job. They claimed the replacement was an upgrade, rather than an equivalent unit.
This is completely untrue, as the replacement part number was obtained directly from the manufacturer. I went around and around on the phone with one of the managers, but she would not concede that the unit to be installed was equivalent to the faulty unit. In fact, they claimed to have identified another alternate, but further checking revealed the HSA preferred unit was rated with considerably less performance than the direct replacement. This is very inappropriate and unethical.
After 90 minutes of going around in circles, she maintained the position that HSA reserves the right to obtain a second quote. I reluctantly agreed (despite being told to call whomever I wanted), but made clear that there needs to be a time limit, because this needs to be fixed ASAP!
She called me back in an hour, telling me that they want to use a different service provider and install another alternate unit. She only provided me with a minimum of information about the unit. When I asked her the part number she said she didn’t know. So, I asked for the phone number of their service provider so I could call and find out. She abruptly told me that she would do some checking as I was on hold.
When she came back, she told me she was unable to find that information, and that she would call me tomorrow. Then she asked why the part number was important? Are you kidding? Very sneaky. Very unethical. Very disappointing.
The unit that was purchased with the house; the unit they AGREED to insure, is a high performance water heater. As a simple analogy, consider it a Porsche. Their idea of insurance is to replace it with a Taurus.
This is not over yet, and I am very frustrated and upset. I want what I paid for. No more. No less.
If they do not agree to replace the unit with the manufacturer’s suggested part number, I will be contacting the Wisconsin Office of the Commissioner of Insurance. If this does not resolve the issue, I have no problem taking HSA to small claims court or hiring an attorney for representation.
I noticed a few Wisconsin individuals on this site have had similar serious complaints. Perhaps we should consider filing a class action lawsuit. If interested, please contact me at trnelson@hotmail.com.
I have had 3 service calls to HSA in 6 months and so far all I’ve got is a run around. First call was for a leaking dishwasher. Technician came over and WIPED UP THE WATER and said he couldn’t tell where it was leaking from. He put in a claim for a rusted rack and of course it was denied. I called them back for round two, to find the nature of my leak…again he wiped up the water and said he couldn’t find where it was coming from. I finally got so frustrated I purchased my own new dishwasher.
The third call is going on right now. We are having a problem with out furnace and with it being winter in Ohio, the HSA furnace contractor could not make it to our home, not once, but twice. I was told to go and get my own contractor, which I did. The diagnosis is a safety issue. We need to have the furnace replaced ASAP. It’s been 3 days and I had to contact HSA myself today. The customer service rep was nice, but an hour later I got a call from some dude telling me that HSA contacted him to give us a second opinion. On top of that, he wanted me to take the day off work because they only do service calls between 10am-2pm.
I still have not heard anything back from the customer service rep. I am angry that HSA is putting my home and my family in jeopardy to save a few bucks! Why let people choose their own contractor is you’re just going to send someone else out there anyway? Total BS! I will not be renewing.
HSA could or would not dispatch a furnace tech in a timely way when our house filled with blue smoke on the first day of a deep cold snap (temps in the low teens). They repeatedly tried to dispatch a company that does not handle oil furnaces, alternating with a company that either simply did not show or, eventually, stated they would not come for a week. We were FOUR DAYS with no heat. I was on the phone with HSA a dozen times over this time, and each employee was thicker than the last. They finally offered us “choice” and stated that we had to call them while the tech was here to get coverage. This I did; they called back and stated in a very snarky way that they were denying the claim because the furnace breakdown was due to our negligence in not maintaining the furnace. The “customer service” rep then LIED and stated that this is what the tech had said! I was standing right there while he talked to her. Put him back on the line, and he repeated what he HAD said — that there was no telling the cause of the malfunction, but the furnace showed no indication of neglected maintenance. The woman’s supervisor also LIED right to me about this. They got very nasty.
The furnace company has told me that they stopped working with HSA some time ago because of just this issue; apparently no reputable contractor around here will have anything to do with them. No one has ever heard of the companies that do have contracts.
The furnace passed inspection in May when we bought the house, had been properly maintained by the seller, functioned for about three weeks starting in November, then failed catastrophically in a matter of hours. This is WHY we buy home warranty coverage.
HSA owes me $262, and they are weaseling out of paying it. They are liars and thieves.
They are simply awful to deal with. I bought a 5 yr old townhouse and the Air Conditioning did not work. When the workman got there it took him minutes to tell me it was a pre-existing condition without knowing when the unit last worked. He said I had a leak and it could cost $2000. to find the leak and fix. I had someone else look and they added freon and the unit has worked ever since. My complaints were not heard by the company and no apology.
Call me a homeowner with realistic expectations. It seems that some others expect 1 hr service; but for the price we pay that is unrealistic, that speed of service would come with a steep price. Heat and cold can be uncomfortable; but they are not considered “emergency” items until they become life-threatening.
It is Saturday and I just called in a claim on my downstairs heating unit, which apparently just stopped working. The customer service agent, Sarah was polite, took my claim provided me the claim#, the name of the preferred provider and a phone number to contact them if I have not received a call by 10 am on Monday. (To me, that is next day service and I can live with that)
As a policy holder for 3 years, I can recall 4 claims (3 of which were honored without problem and 1 which we disagreed upon; but the unit is functioning).
I have never had a problem with HSA customer service (other than prolonged wait time). Each agent has been polite and tried to be helpful (they didn’t always have the answer I wanted but they tried to help).
It appears some people confuse HSA service with that of the sub-contractors that showed up to provide service. For the most part the contractors HSA sent to my house were polite and knowledgeable; with one exception (after my complaint and likely others, that contractor is no longer part of the HSA network) Yes HSA tries to find the lowest cost providers to make their business model work and those tend to be one or two man businesses; but that doesn’t mean they can’t be knowledgable. The contractors that have been to my residence diagnose the problem then convince the HSA rep that the service is covered because as one guy put it; “I make more money when I have work to do and unless they approve the claim, I can’t do much work.”
Without this policy, I never would have been able to replace the compressor on my HVAC unit for $75 (+50 to the contractor for a second man to help with carrying/instalation/disposal). Yes, it is a 10 seer unit, so it is not the latest and greatest, and yes it is a lower tier brand name so it may not last as long as top-tier unit; but I have AC that works just fine for a severely discounted price.
To add to my original post about HSA, I have been offer a whopping $621.00 to replace and install a furnace in my home. HSA’s contractor quoted my total job a just shy of $14,000…YES fourteen THOUSAND dollars. We received 3…count them 3 quotes for furnace alone of $3000. Where does HSA pull these crazy cash out figures from? Before we knew the magnitude of the dollar amount…I could PAY HSA to call me back. Now, they won’t stop calling me to close the claim. I am NOT closing the claim until I am completely satisfied with the results. If that means I have to get a lawyer involved I will. At very least HSA should give us the lowest quoted dollar amount. Who on this planet can pay for a furnace and installation for $621.00?? Plus, the HSA contractor told us NOT to use the unit supplied by HSA because they are no good.
Anyone up for a class action law suite?
Don’t waste your money on HSA. I tried to get a heating repairman out here and the one and only one they could give me has their office 60 miles away and put me on a list 2 weeks out and then did not show up. When I called HSA they said that the company had been on HOLD. I ask them to get me someone else and they never returned my call. I called again and was told to find someone myself. I mentioned the fact that I live in Alaska and it was well below zero, the person on the phone representing HSA had the nerve to tell me that it was only a few degrees warmer there. At least she had heat. I finally got someone here and after he made a diagnosis HSA had me on hold for a least 30 minutes and then denied the claim as a improperly installed heating unit. Funny that there were not any problems the winter before. I had to pay the time the repairman waited for an answer. I think they use any excuse not to pay. I will not renew my contract. It seems strange that out of the whole state they only have one contact.
I had them for three years, they changed my dishwasher, done an overall job in fixing my internal electricity and also my garage door. Also several plumbing jobs were done by them in a timely manner. I recommend to everybody.
10 minute wait for customer service. 5 day wait for appliance service.
awful service, will refuse a claim for every and any reason, or make up their own lie, and then blame you. we will not renew and I will advise everyone I know to not use them
HSA is great to work with. They were prompt, courteous, professional and completed the job under the estimated time. I called their 800 number the night before with my issue, they took the name/address information and what appeared to be wrong. They gave me an appointment time and the company was there “ON TIME”!!!! The gentleman cleaned up after himself, did the paperwork and left a very happy client. I would definitely used them again.
Customer service is rude and will not replace parts.
The furnace in our HSA warrantied home was burning with the temperture at -18 degrees outside. The fire department was called to the house for obvious safety concerns. Our family of 5 had to leave the house and stay in a warming shelter till the tech who was sent by HSA came out and put a temporary fix on the problem. That fix lasted one week. Luckily the temperture warmed to 8 degrees when the furnace stopped working once again. That was 4 days ago with tempertures continuing in the single digits and still no heat. The furnace they are promising to install has still not arrived. The approved furnace does not come from local inventory but is sent out by HSA to the contracted heating repair company. This is without any regard for the health and safety of the home occupants.
My family is living in the house with space heaters with no other alternative while waiting for the delivery of the furnace. This day 5, with no heat and a record cold winter.
I will not rate the service of the company until the final outcome of our particular situation is settled but at this point, I am disappointed by the lack of urgency shown toward a potentially dangerous problem.
I just purchased my home. I called to see if a few items, that were in need of repairs, were covered. After talking to their adjuster, I found out that almost every issue I had was NOT covered. I have an electrical problem which they told me sounds like it was installed wrong so it is not covered. My garage door opener stopped working but, according to them, it’s too old for them to fix so it’s not covered. The only thing they will cover is a faucet which I’ll end up paying myself anyway ’cause my deductable is $50.00. What a scam. Having this insurance is a waste of time and money. HSA, I’m not through with you yet.
I have had three different warranty compaines in the past 10 years and so far HSA is by far the best. Took care of my problems without any trouble.
Will not pay contractors, have to place liens on HSA warranted homes, no contractor support, run from company if you are a service contractor
This is the worst company to deal with. Save yourself lots of headaches. They do not reimburse you and force you into renewing. I tried cancelling after one month and they said I had to pay the whole year. They are just terrible.
Since the purchase of our current home 3 years ago, we have had HSA as our warranty company. In that time, we have filed 4 claims, only one this year. Of the 4, only one was handled somewhat professionally (garage door opener repair).
Our leaking roof claim was denied, and we paid for the repair out of pocket. Both claims that involved plumbers have been nightmares. The first one was simply to fix a leaking tub faucet. The “plumber” that was sent out on that job had no idea what he was doing, and 2 hours after he went into the bathroom to “fix” the faucet, we had NO FAUCET AT ALL. He removed the entire faucet and then proceeded to tell us that he’d have to come back on Monday (3 days later) and that the repair was going to cost $200+, at least. After a lot of arguing, the head of the plumbing company came out to do the repair, and then wanted to charge us to fix what his apprentice did wrong.
The last claim was for a hot water heater–a “covered” item, under the warranty. It’s leaking, obviously from a broken seal or something. In any case, the claim was denied. Thanks, HSA. I’m not even sure WHY I have a home warranty. The contractors they pick are the absolute bottom of the barrel, and it seems they deny a lot of claims. I wish I had seen this site before I got my “home warranty” through them. Now, I’m out $800+ for a new hot water heater and installtion PLUS my deductible (for the “assessment” from HSA), plus my annual payment.
My recommendation: LOOK ELSEWHERE. It looks like Blue Ribbon has decent service at a significantly cheaper rate. If I even get a warranty for next year, it will NOT be through HSA.
These complaints on the board scare me. This was my first experience with HSA and I was hoping it would go well and it really did go well.
My garage door opener died, Called HSA, and they filed a claim and gave me the preferred company contact. The Company did not call me back. I called HSA, they got on the phone and hooked me up.
The guy who came to fix it said the whole unit had to be replaced, and started telling me that warranty companies do not usually cover 2 remotes and keyless entry for garage door. I told him to have HSA talk to me if they dont cover it, He got on the phone and got everything approved. He said HSA negotiated a good deal for him and told me everything that I needed was covered.
45 mins later, my problem was gone. Thanks to HSA.
I hope my luck continues.
Like others, I believe that HSA are scam artists. I purchased a home in the beginning of February. One week after moving in I know longer have hot water. After having 3 service companies look at my 60 yr old boiler, they tell me it is not under warranty because of sediment deposit. IT IS YEARS OLD! The seller obtained the warranty, and I bought a home with older items thinking I would be covered for a year. This was all a lie, to the seller and to the buyer. As you can see from these posts, there is very little HSA doe cover. I only hope there is some kind of legal recourse for people like me.
Is there a rating less than 1? My wife and I purchased a 1905 home with a seller purchased HSA warranty. We figured the warranty would come in handy, despite the considerable remodeling that had been done to the house.
Our first night, the downstairs bathroom starting leaking from the ceiling. I used the HSA website to post the claim. When we did not hear from the company they dispatched, we called. The company claimed no dispatch had been sent. Two days later, they did show up, cut a hole in my ceiling, but could not see pipes. It seems the multiple remodels led to three ceilings in the bathroom, all of which had to be removed to get access to the pipes. HSA told the plumber that paying for access was my responsibilty. When I pointed out the the contract specified that access to plumbing and repair of access was covered, they claimed that it applied only to a hole large enough to work on the problem. Both the plumber and a contractor that I called told HSA that the entire ceiling had to be removed to get to the pipes, since there was no way of knowing where the pipes were leaking. They agreed to pay the $750 for my contractor to rip out and repair the ceiling (I pay and HSA reimburses me).
Once the ceiling was out, the problem was obvious. There was a large hole in the drain of the upstairs sink. Simple fix to replace the pipe. However, the plumber tried to repair the problem by using some sort of putty, but was unable to fix the problem. He said he would have to come back and replace the pipe.
I did not see or hear from him the next day. I called, and was told he was on another run and would call. Nothing. The next day, I called HSA. They said that the hole in the pipe was caused by a nail, which is not even possible, since the pipe is at least two feet above the lowest ceiling and nowhere near any place a nail would go. When this was pointed out to her, she claimed that the plumber told her that was the case, and that the nail had fallen out when the ceiling was removed. I asked her how she or the plumber would know this, since neither was there during the time the ceiling was removed. She did not respond.
I also challenged the customer-no-service person to show me where in the contract such a problem was specifically excluded, she said she would speak to a supervisor and call me back soon. In the meantime, I did some checking on the contractor they sent out to me. His Better Business Bureau rating is a D-, and I have been unable to verify that he is licensed.
I waited for 3 ½ hours, and did not hear back. I called back and asked to speak to a supervisor. After a brief hold, I was put through to a supervisor, who did get another vendor out to my house the same night and completed the plumbing portion of the job. Way too much hassle for such a small job. If we do decide to keep a home warranty, we will probably not go through HSA.
I gave the customer service a 2 simply because I finally did find ONE person who treated me well–the supervisor who finally helped me.
I have had it with HSA! We have paid for their 5 star service and it is always a battle to collect from them. Plus the heating companies they have sent to us are always sub-par. I have waited all day for a heating company to show up, (they give me an 8-5 window) missed work ( I am a freelancer, get paid by the day) only to find out 5 minutes before 5pm that they are overbooked and cannot show up till the following day. Also I have had two really bad service calls when one of their companies did show up, the technician got frustrated because he didn’t know the system (Trane, a very popular heating system) and once one of the technicians left my house saying he couldn’t fix my attic fan because it was too hot and he didn’t have the proper ladder. When I spoke to HSA they often only have one company they can send me, because they say their other two companies are overbooked. It’s funny but when you sign up for their very expensive service, HSA makes it seem like they have access to many companies and their companies are always very professional. I believe the only sub contractors that HSA uses are the ones who are either start up companies that need work or companies that are not doing well and need referrals from a home warranty service. I have now chosen to use a heating company outside their “network.” Home warranty reimburses me 1/4 of the price. But atleast I have someone who actually gets to my house on time, with experienced professional people who fix the problem! HSA is a total disappointment. It’s a shame I had to spend so much money for a warranty service and now end up calling my own local companies to do the job right. This is a ripoff.
I’ve had this home warranty for one year. My home is older, so I thought it best that I have a home warranty. The sellers agreed to pay for HSA.
I have only had 2 claims. The first claim was for a leaking faucet in one bathroom (It wasn’t an easy fix as the leak was inside the bathroom wall)leaking all in our vanity. As well as the leaking sink…we had no hot water at all in one of the other bathrooms. HSA denied this claim because they said it was due to rusted and old pipes that had to replace. Good thing I didn’t call them first…or I would have been out of the $75 deductable. I did have the plumber call them as soon as he got to my home. All he charged for everything was $300 so that wasn’t too bad.
The second claim was for our heating unit that had stopped working in the middle of the night. They did pay for this after the $75 deductable. I don’t think it was much though. The contractor didn’t do much so I bet that would have been around the cost anyway.
This is my gripe though…IF HSA won’t pay for a RUSTED pipe, what else would they not pay for? It is an older home that we just moved in to a month later. Of course the pipes may be rusted. I’ve thought about calling them about my old dishwasher that quit working, but I fear that I would be out $75 deductable since they would probably say the same thing about my “old” dishwasher as they did the about the “old” pipe.
The contractor that fixed my heating/air unit said HSA isn’t a good home warranty plan. I asked him what they would do if my heating and air unit went out since it was so old. He kinda laughed and said, “they would bandaid it up as much as possible and you would have to work really hard to try to get HSA to replace it, even if they did”. He said he’s had a lot of claims denied through HSA.
They sent me a renewal letter in the mail and called about renewing my services with them. Especially after reading all these negative reviews, I think I will look elsewhere.
Overall, the sellers paid more for this “Home Warranty” including the deductable that I had to pay than what I got from the warranty in return. I didn’t really have much peice of mind with them anyway. Bye Bye HSA!!!
They are constantly finding a way to deny claims…this is how their business model works
I have had some bad experiences with the people they refer. The problems are not fixed most of the time.
After 7 years, I made some claims this year so they would not renew my policy. My home and property is immaculate. There was no reason to non-renew my policy. Make a claim and they’ll abandon you.
—service tech installer hvac my life is much better since I told HSA where to go and do not send anymore calls my way. When they asked for me to sign on again with cheaper rates and make me more liable whith the customer. The denial rate was approx.80% on calls. They also sent a form for the customer and myself to sign about denials, As if they already had the outcome before I went on the service for them. My life is better not running service and dealing with their lies. Goodbye
Did the majority of the complainants here even read the contract before making a claim?
HSA has replaced a water heater in my home, done some minor plumbing things, and fixed our A/C and furnace a couple of times. HOWEVER, the service companies they use in my area are horrible and unprofessional.
Last winter, we needed the furnace repaired again and, sick of using HSA’s people, I used my own repair company. HSA’s customer service rep. was so rude to my repairman that he threatned to hang up on them. My repairman fixed a very simple (and inexpensive) problem with my furnance that HSA’s service techs had come out to repair at least 4 times! And, of course, HSA refused to reimburse us for the expense. That pissed me off, but at least the problem finally got fixed.
I am looking for a new warranty service. I think HSA’s service companies in my area are totally incompetent.
I had a refrigerator that needed replacing. I was able to get a new unit installed quickly and every thing worked as I expected. Excellent service.
We had a drum and a basket go on our washer. Of course all working parts on a washer are not covered, but they fail to tell you that when they send a service tech in. Our tech said as soon as he walked in that HSA won’t cover it. He called it in anyway. He has fixed 4 similar washers with similar problems and they were all covered by other home warranty companies. So now we are out 100 bucks for a deductible and the washer is shot. Our tech said HSA is the worst outfit out there, they are rude to him most every time he calls. I have been calling for a refund of my 100 dollars but mysteriously Katie is always busy and will call back..but she hasnt.
Teriffic service. Only had warranty for 3 monbths. They have been quick to rspond and have quality vendors do the repairs. Very satisfied with the service
question if your home warranty did a repair that was expected why would you find a web site about complaints and tell how great that warranty was?
I have been waiting for 7 months for a check to help off set a heating system that went in October.(it is now May) Although it cost $7000, they said I was capped at $1500 because the tech who looked at the system for all of three minutes said it wasn’t fixable…as he put his hand out for his payment.I called agin today to inquire where the check was, since a month ago I spoke to a supervisor who said they never sent it because they hadn’t recieved a reciept, so I went that day and sent it certified mail to ensure they get it. Today I was told ‘I am sorry, that supervisor was mistaken. We sent that check out in November and it was cashed.” I check with my bank, and there is no record of me depositing that check. So now they say they will “look into it”
Basically, they like to take checks, but not issue them. This company is a total FRAUD
I purchased a home this year and negotiated the seller to purchase a home warranty for us. They used HSA and now our AC unit has gone out. Initially, I thought it was a simple maintenance issue as the AC would work, but only blow hot air. I contacted a repair tech from the yellow pages and he said it was not a maintenance issue, but the compressor was shot and we needed a new unit. I contacted HSA to file a claim and they denied it because the unit was “tampered” with. This company is a scam and I am pursuing legal action.
We’ve had our warranty for 2 years now and almost cancelled it after the first year (which was paid by prev owner) because we didnt’ use it and thought we would be wasting our money. My husband had second thoughts and thank goodness because we’re now using it for the 4th time since October! Our dryer went and they replaced almost the entire inside, and had someone come out on Saturdays to accommodate our schedule. It took 4 trips between the two parts being broke and having items ordered, but it was all under the $50 deductible. Then we had a pipe burst in an upstairs bathroom, they were out immediately and all was totally covered. Now we’re dealing with another unrelated leak, all of which is covered. I’ve recommended them to many people because if you’re not handy, it’s a must have if you don’t own a new home! And to answer the above person’s question as to why someone without a problem with the company would post a comment? Well, I need to make another claim, did a google search and this popped up, so I checked it out. Haven’t you ever done that??
read your contract…….have service performed on everything from your bathroom toilet to your garage door opener every six months. Then maybe if your 35 year old dishwasher breaks hsa can still not cover the failure due to lightning striking the WAL-MART store in DALLAS TEXAS when I live in GULFPORT MISSISSIPPI!!!!!!!!! READ YOUR CONTRACT PLEASE BEFORE CALLING AND PAYING SERVICE DEDUCTABLE
RUN AWAY!! Don’t waste your money! This company does not care at all about your problems, or the quality of repair. Their goal is to spend the absolute smallest amount of money to “band-aid” the situation. My experience has been with both plumbing and HVAC. Currently fighting with them (again) over furnace repair. Seriously, don’t waste your money!
the complaints are from the heart. the warranty places good stories to offset bad experiances. not all services are bad . not all reps for hsa are bad. can’t we all just get along?
I have had this service a year now and I will tell you what when this contract is up it will be canceled. CSR are terrible. I have had work done on my air 3 times in the last year for the same problem they will not replace it they keep putting a band aide on the problem and then its out again between six to seven months. Then it takes 4 days to get it fixed when its 110 outside and the same inside does not make for a happy camper. It would have been cheaper in the long run just to replace the unit at 1600.00 then already dishing out almost 2K and I guarantee you they will be out again before the summer is over. The good techs they don’t keep. Its the cheap ones and then you have to wait. I was told by there CS that 4 days isn’t bad ..Well HELLO SHE’S NOT SITTING IN A HOUSE THAT OVER 100 DEGREE’S..STAY AWAY.
HSA has really saved me alot of money over the past year. My agent recommended HSA when we purchased our home. Our first failure was with our 5 year old furnace. Certainly not what we had expected, of all the older systems in our home, we hadn’t planned on such a new furnace to break, but it did and HSA paid over $700 for a new blower motor. Then our washing machine broke a few weeks later. The repair company installed a new motherboard which HSA covered. Unfortunetly that didn’t do the trick, but that wasn’t HSA’s fault, it was just a misdiagnoses. The tech wanted to replace the motor, but instead I just opted for the cash out for the repair ($580) and went out and bought a brand new washing machine and only had to pay $150 out of my pocket for a new washing machine! I think that HSA has a great product and great service. Thanks to my agent for recommending it to me and thanks to HSA for saving my family money. Especially in this economy.
This warranty was purchased by my agent and the service I received was great! I would definately renew my agreement with them.
There CSR’s give off the impression they DO NOT CARE. I know they probably really don’t but it is their job to be polite and concerned. The tech’s they send are very unprofessional. I have had my warranty for just under a year and have attempted to file 3 claims and of course none of them were covered. I would never recommend this company to any friend or family as my realtor never will again either.
This company is no good and the service is very poor. They will try everything to deny your claim. The technicians they sent out are unprofessional and not honest at all. I have a AC unit for 18 years and quit working this year and they say it will not be covered because of the technician’s report. The technician told HSA a totally different story about what is wrong with the unit than what he told me. (The HSA technician never perform any dianostic test). I have to pay for someone else to diagnose the problem. When the problem is that I need a new unit, HSA refused to cover it. I am going to cancel the contract and will never use HSA again and I will tell all my friends too.
PLEASE READ…….THIS IS A RIP OFF. DID ABSOLUTELY NOTHING FOR ME. My air condition went out less than 2 months after I bought my house. After having to contact HSA several times, they denied my claim. So, I WAS OUT OF THE $75.00 DEDUCTIBLE, THEN I had to fix all my air condition charges myself out of pocket and then I was hit with a bill from the company that came out to check and diagnose my problem( who did absolutely nothing). WHAT A RIP OFF, THIS IS ROBBERY.. Please, DO NOT REFER ANYBODY TO HSA FOR HOME WARRANTIES… PLEASE DEMAND TO SPEAK WITH VICE PRESIDENT MICHAEL HERMAN.
The warranty coverage is a sham! Their coverage sucks and the customer service people and decison-makers are short and have no idea what customer service is. I bought a house in the Indianapolis area in November 2008 with an HSA Home warranty on it. In late January, I noticed a leak from the roof on my living room wall. After over 4 months of going back and forth with HSA, they are still refusing to pay the claim basing their decision on “improper installation” when I bought a 10 year old home (built in 1998) and obviously have not done anything to the roof. My realtor, the realty company and MIBOR have all sided with me on my claim, but to no avail. They will find anyway they can to get out of paying for warranty – AVOID THEM LIKE THE PLAGUE!
I’m sorry to see so many people have had problems with HSA
We bought our 1st home in Aug2006 and the warranty was part of the deal. The house was built in the 50’s. Within the 1st year, we used the warranty to replace parts in our furnace. The furnace is over 30yrs old and apparently the part that needed replaced was about $200. They sent one of their preferred contractors out, we paid the $50ded, and that was it. Short and simple.
Then our water heater began leaking in Jan2008. HSA had a little trouble getting a contractor on short notice, so we were able to contact the same contractor who’d fixed the furnace. The water heater was replaced within a day. Again, no problems. FINALLY, our AC went out last summer. It was a Sat night, and they couldn’t get someone out until Sunday afternoon. Their contractor came out on Father’s Day. We ended up needing a new AC due to a freon leak, and the unit was installed within a week. It took a little longer than we would’ve liked (believe HSA only orders the unit from a specific place) but, $150ded and we had a brand new, very efficient unit.
I’ve saved THOUSANDS with my warranty, and will continue to keep my policy as long as there’s something in my home that is covered. When I sell the house, I’m planning on including a year of the warranty as incentive to the buyer.
As stated above, they did allow me to select one of their contractors, and I highly recommend both Preferred Mechanical as well as Jake’s Heating & Air.
I had a roof leak, and am in an older house. Had a very trusted roofer come over (family friend) tell me what it would cost.. then called hsa, their tech comes in a beat up pickup, no badge, no id… wife didnt want to answer door. He finally pulls out a paper to show who he was. He looks at roof for 5 min, talks to me on phone and says, yep, this will be covered. Then proceeds to tell me this is his first day. THEN writes a report and says the roof leaks due to not putting the older roof on correctly. Its been 15 years…
They deny the claim. I spoke with pres of claims.. he was a very rude person stating I should read my contract better.
They send me a letter denying the claim and in the next paragraph remind my contract is coming up for renewal. Talk about a slap in the face.
I would never do business with these con artists…
In our dealings with HSA, their business practices are not ethical, their reporting is inaccurate, and their approval/decline process is flawed. Their representatives give conflicting information, fabricate conversations and information, and stall when asked to provide documentation.
After our experience, we would not recommend HSA or a home warranty.
Hi,
I have read all the bad ratings, I did not want to post my review till I experienced this company fully. I have filed 3 claims with HSA so far. All three were professionally handled and fixed to my full satisfaction and as far as the contract allows it.
The only downside to HSA is that they have long wait times on their phone lines. I had better luck accessing an agent on the phone during the day rather than at night. Their website is simple and adequate.
My 3 claims:
1) garage door opener (full replacement with a new opener)
2) Internal plumbing leak (Fixed the leak, installed a new valve)
3) Furnace blower motor. Replaced a GE with a generic AO smith motor. I am not too happy about that, but hope it lasts.
Hope this review helps. My deductible was $100, I wish I had the $50 deductible.
This is the fourth year I paid warranty through HSA.The premium is increased every year, but 10% each year. I have an older home,so I thought it will be worth it.This year, I had my water tank broke.The guy HSA sent practically lied to me by saying I have to pay a permit for him to instal the replacement (of course permit is not covered by the warranty). All in all, I still have to pay approx. $300 even after the warranty paid for the new tank.
Then I had a problem with broken sewer line in my basement. The guy they sent spent 5 minutes poking, then told me it won’t be covered by HSA because it’s not “interior” line. When I asked why it’s not interior (it’s in the basement, inside the house), he said “because it’s techincally not enclosed in the basement floor (does that make sense???).Then he said he needs to insert a camera to figure out where the actual broke is (camera is not covered by the warranty), bla bla bla. I called HSA, they immediately point me to the contract saying it’s not covered before I can even argue.
I will NOT renew my contract.With theamount of money I’m paying annually plus the deductible, if something goes wrong, I might as well get someone I trust and spend the money that way. I am NOT saving anything going with HSA.
Oh, of course this happened on Thursday, the company didn’t call me until Friday, then the guy can’t even make time to get the camera that day and I had to wait until MOnday . I cancelled the appointment immediately and called local plumber who managed to did all that the same day, quoted me half the price of the first guy, and actually spent time trying to find what’s wrong.
This is a waste of your money. After waiting a week for their tech to come in a house without a/c, our claim was denied and I was out of pocket the service call. They don’t cover anything – they attribute any issues to failure to maintain and get themselves off the hook.
I’m writing this review after hearing of this website and the poor reviews posted for HSA. I’ve been covered by them for 10 months now and have called on them twice. The first time was for my heater not working, the second for plumbing issues. Both were resolved quickly and professionally. I was impressed with customer service and timely responses. They covered everything and we only paid the $50 deductible each time. We will be renewing with this company here soon. It’s kind of like car insurance… you hope you never use it, but when you do, you want good coverage!
In November 2006 I purchased my home which came with a home warranty with HSA that was provided by the seller. In May 2007, I filed a claim regarding my 6 year old, side by side GE fridge. I paid my deductible and thought it was fixed…..wrong…cut to July 2009 same problem and they want me to pay another $75 deductible to “fix” again. Oh did I mention, this will be the 11th or 12th visit that one of their approved technicians will make. THEY FLAT OUT REFUSE TO REPLACE MY UNIT!!! They site under contrACT they have the right to fix or replace whichever is cheaper. How stupid, they have already paid out more in repairs than it would have been to replace it after the first three repairs. This has been a true nightmare and HSA should be shut down for its unethical practices. I am out nearly $1000 in groceries over the two years not to mention the premiuma I paid to them to protect me against unforseen trouble with my home. I feel robbed. What a letdown! DO NOT PURCHASE WITH HSA WARRANTY COMPANY…….HOME SECURITY OF AMERICA (HSA)…MY YOU KNOW WHAT..IN FACT THE “S” IN THE ACRONYM SHOULD BE SCAM OR SHIESTERS
I bougth a home in January 2009 and the seller offered this warranty. I called about the AC. The service tech responded that very day, only to tell me that the system never worked in the first place since it was not installed properly. So now I am out $100 for the deductible and then I get another bill from the tech for the service call, which is stated in the fine print, “if it is not fixable due to other circumstances, you are responsible for the charges incurred.” This is a joke. I would never recommend this to anyone. I may pursue legal action.
Buyer beware. We bought our contract June 8th and paid extra for septic and well coverage. Now, after 29 days we had an issue with the septic system. If you read the fine print there is a 30 day waiting period for any repairs on the septic and well. HSA refuses to work with us to resolve the issue and now we learn that our policy is “un-cancellable”. Please be careful what you are getting into with this organization. Oh, the service was quick because I had to call the plumbing company, not because of anything HSA did.
My first experience with this company was the pits. I had some plumbing issues after I moved in that I noticed later.
The guy came out, I told him about the loose faucet in my kitchen, the toilet hardly flushed, and my water line to my refrigerator was leaking. The guy told me everything looks repairable and he will call HSA to confirm. I went upstairs thinking everything was OK.
I waited a while and then I heard him giglling and laughing on the phone so I went back down. He was on the phone with HSA. He looked at me like he was caught and then handed the phone to the HSA rep.
When I got on the phone, she told me none of the jobs were covered because he said that they were ALL due to improper installation.
WHAT?????? He just told me that they would fix it then as soon as he gets on the phone with her they make a joke out of finding a way to deny my claim.
All the faucet needed was tightening, there was no improper installation. When I had someone else tighten, I never had a problem since.
There was a wrong handle on my toilet but that was because it was old and they don’t make that type of flushing mechanism anymore so the old owners put on the only handle/rod they could find that would work partially. I end up having to to do the same thing, but damn, a handle replacement. They wouldn’t even pay for that????
My water line supposedly, should have had a different shut off valve. Whatever? How could I confirm he was n’t lying, Im not a plumber.
Well to get my money’s worth, I had him snake and clear all of my drain lines b/c I told him they were all backed up. In the end HSA ending up paying anyway, just not the jobs I truly needed.
NOT worth the money! Seems like the service companies they contract with are told to come up with lies so they can deny claims.
I would of NEVER PURCHASED an HSA Home Warranty, the seller purchased it thinking it was a good selling point. I can tell you it didn’t play any part of my decision in purchasing the house,not after reading the contract to figure out it’s pretty much in their favor.It seems like it covers alot of different things until you read the fine print. Then after I had a backed up bath tub I thought I would give HSA a try. They sent a plummer out (Their contracted plummer)after I paid them the $60.00 deductible (Because you will never see that money again even if they can’t do the work)he unplugged the drain. 3 months later same problem, backed up tub drain. Oh you want them to come out again…another $60.00 deductible…I’LL do it myself.
Then I THOUGHT I Would Try HSA again.I thought I had this impression that HSA and their chosen contractor’s work together to see how much more money they can get out of you by the contractor saying they can’t do the work unless they do this or that first AT An Extra Charge because of course it’s not covered by HSA. Then HSA sides with their “Chosen Contractor” and you pay out of your pocket and you keep HSA contractors working and HSA already has your money so they don’t care. THIS ONE IS EVEN BETTER….SECOND EXPERIENCE..
Main sewer line backed up into the basement.I call HSA pay my $60.00 to the same contracted plummer BEFORE they come out.Comes out to tell me “OH I can’t clean out your line because your bar sink is running into the clean out” (Big deal a 3/4 inch line with a union right there to take it off)The plummer tells me he will have to install a new cleanout at a cost to me of $450.00.I said no, He left Called my own plummer (never told my plummer what the first plummer said I needed I thought I would see what he comes up with on his own).Comes over (quicker than HSA plummer)
Unscrews the union to take off my bar drain 3/4 inch nipple, snakes out the drain, puts the bar drain back together then unplugs my tub drain for me while he’s there.
charges me $220.00 and I’m happy with that. Called HSA told them I had my own plummer take care of the drain Without having to install another cleanout. I had my plummer call HSA to verify what they did. HSA calls me to tell me they won’t cover the bill because my plummer pulled out tree roots and thats not covered. I told HSA I’m not looking for you to pay my bill I’m looking to get my $60.00 deductible back since HSA’s plummer said he couldn’t do it unless he RIPPED ME OFF FOR $450.00 first to give me something I don’t need. HSA of course sided with there plummer and said they get to keep the $60.00 because they came out to the house. But HSA wouldn’t explain why there guy was trying to sell me something I didn’t need.And I also just wanted to let HSA know what kind of salesman they have out there that they call plummers. I’m not done with that plumming company yet… since they don’t want to return my call to discuss the $60.00 deductible they kept of mine for doing nothing,
I will just refuse to pay the charge on my charge card….
I have filed 2 seperate calims with HSA. Both claims led to more frustration that just paying out of pocket to begin with.
The first claim was for a leaking dishwasher. It took 4 appointments and 7 weeks before they finally decided to replace a part and fix the problem properly. The first 3 visits HSA did not authorize the technician to replace the faulty part, he was only allowed to patch the leak. All three times the leak returned.
The second claim was for a leaking bath tub that caused water damage to the kitchen ceiling. When the plumber arrived and opened the ceiling, he called HSA to report what needed fixed to get authorization. When he told them what needed fixed HSA asked “why do you think it failed?” He said “it could be a number of things” and listed about 10 possible causes. Since improper installation was 1 of the 10 possibilities they did not cover the claim. After the drain assembly was taken apart it was discovered that the actual cause was a worn out gasket. We called back to report it wasn’t improper installation, but a bad gasket and were told “too bad, we already recorded improper installation”. With hold times included the plumber spent 2 hours on the phone with HSA. Since the plumber bills by the hour our bill more than doubled and had to be paid out of pocket.
HSA is a rip off. The claims reps try to find ways not to honor the claims.
Our A/C went out today. Called the help line, no answer, placed a clam on their website, no response from the company they use in town, call the company and talked to their tech, he was too busy to come out to our house, told us to call back and request a new company, as you might of guessed no answer(24/7 my ass). It’s almost 11pm and its over 85 in my house. I will post more as the events unfold but I have a feeling after reading these post its not going to be good.
HSA was great for the first 2 years. I had automatic payments and one didnt go through for unknown reasons (HSA was unable to verify why and my bank doesnt show any attempts???), and they cancelled my account without notifying me!!!! I called because I had a claim and was told that I didnt have an active account, that they wouldnt re-instate me and that I wouldnt be refunded. I spoke to many managers who were very rude, and in the end I still ended up screwed. Thanks for nothing HSA…. Two thumbs down.
My cost has been 3 times that of the insurance coverage for a plumbing repair. The guy who did the work was very arrogant and didn’t come back to correct a leak after the first repair. He was scheduled, but no call / no show! His work is very messy and doesn’t look professional at all! I would not recommend this plumbing company to anyone! I did however have a positive repair with an attic fan of which the insurance company came through and my charge was for the deductible.
HSA sold the sellers of our home a warranty. We were not provided with a contract, just a false sense of security from thinking that the house’s systems were sound.
1 month later when our furnace broke (in the dead of winter), HSA wanted to take 3 days to send a service company. Due to my objections, we received a house call that day.
However, it took 23 additional days (with no heat) for HSA to tell me that they would not cover the damage because it was caused by “corrosion.” I received this response only after numerous phone calls that were not returned. A second opinion would cost me $$ out-of-pocket.
Then their local contractor tried to tell me that I needed $400 in uncovered repairs. I declined and replaced the pipe myself for $15.
Today they sent me a renewal notice. I don’t think so.
Buyer Beware: A home warranty is essentially worthless as any problems can be blamed on corrosion or poor maintenance. It is merely window dressing added to make a house on the market seem more attractive.
On August 15th, I submitted a claim through HSA because the motor to my air conditioning unit locked up and ceased to function. They assigned Salego Heating & Cooling to come out to diagnose the unit on 8/18. The tech came out and determined that the motor was locked up, that the motor was no longer made and that a replacement would have to be found. He failed to contact HSA until I called HSA for a status on 8/19. On 8/21, I was told by HSA that the tech failed to write down the required serial and model numbers from both the interior and exterior unit so they couldn’t figure out what type of motor to install. I had to go to my home and get this information for them. I spoke with a rep & gave her information & I told her i wanted Salego to come back 8/24. Salego scheduled for 8/25. I wasn’t able to take time off (at this point I’d taken 1 & 1/2 days off for them already) so I tried to get my neighbor to let them in. She came down with the flu and was unable to. By a fluke, I am home all day today (8/26). I called salego and they absolutely refuse to come out & then on top of it they said they charged me for a no-show on 8/25! It’s a 20 minute job at the most. I can’t take any more time off for these people. My next step is to contact an attorney. I can’t take any more time off for these people. If the technician had been competent enough to write down all the numbers last tuesday, we wouldn’t be here. They need to start working with me on this because I’m DONE catering to their needs.
AWFUL! Have been told so many different stories by this company while trying to replace our water softener. I’m so frustrated with them, can’t believe a warranty like this could give me such an insecure feeling!
ZThe first time we used it,was kind of hard,but after that we found laurie.she is an awesome representative of this company,working with her has been a pleasure,also,heather is very good,they both know what they are doing and have extensive knowledge of their respective jobs.would reccomend this service to anyone who is not a contractor,having problems with their contractors is easy when dealing with laurie.
I feel that I have to respond to the comments that I read on this blog. I have been the president of this company for 25 years. It disturbs me to read these comments when I know that we work so diligently to deliver the best service that we possibly can. Unfortunately, the individuals who post their opinions are overwhelmingly those that feel that they were treated unfairly. I think that some statistics might be helpful to those individuals who read this site. We have 100 opinions posted on this site. Of those, approximately 25 are people who had a good experience and wish to share it. All others express negative comments. This is out of almost 85,000 people who filed claims with us last year. So you are hearing from far less than 1% of our claimants on this site. What you don’t hear is from the 85% plus who had claims and were very satisfied.
Furthermore, over 40% of our business comes from renewal customers who thought highly enough of our product and service to renew their warranty coverage. In other words a huge majority of our customers are very satisfied with their coverage and keep their warranty coverage with us for a long period of time.
While I applaud the high satisfaction rates of some of our competitors, you might notice that they do not have very many opinions registered. That is possibly because they only conduct business in a single community or state. The national companies, like HSA, have a more challenging situation in that they cover the entire country from Fargo, ND, to Abilene, TX to Philadelphia, PA to Orlando Florida. It is a tremendous challenge to form a network of vendors that covers the entire country. With this challenge comes some variance in the quality of service contractors performing the repairs. We do our best, every day, to bring on high quality service people. However, the alternative is no warranty protection if your community is smaller, more rural, or difficult to access.
There are those who complain that they had to wait several days in high heat or extreme cold to have their furnace or air conditioner repaired or replaced. If you look in your yellow pages you may notice that there are a finite number of companies who do this work. When there is a heat spike or a heavy freeze they are under tremendous pressure to accomplish all of the repairs. Whether you have a home warranty or not, it is likely that you will have to wait to get your repair work done. In fact, we believe that we do get repair people to you faster than if you did not have a warranty, because we send these companies a lot of business and have service contracts in place to establish high expectations with our service people.
Further, if you need a rare part or a new unit, we might be able to get them faster than the local company because we often buy directly from the manufacturer. Still there are only so many service companies and it takes time to get to you when there are weather extremes in your area. We also have a service guaranty in our contract that ensures we will respond to your service request in a timely manner or we will let you contact a vendor outside of our network to ensure fast service. Our people do their very best to bring you the fastest service possible. It is in our best interest to have satisfied customers.
Our CSR’s are monitored and trained on a daily basis. All telephone calls are recorded. We review these for quality assurance purposes and if there is a complaint about “rudeness” we listen to the call and review it with the CSR. As we review these we frequently find that the “rudeness” may have occurred after a customer became irate, abusive or profane with the CSR. We do instruct them to end the call if they are subject to extremely abusive language or profanity. The CSR’s are nearly always friendly, courteous and helpful. If not, they are retrained. If that is unsuccessful, further corrective action is taken up to and including termination.
With this response I pledge that all complaints about our service surfaced on this site will be fully reviewed to be sure the proper claim decision was made. While there are times when customers are upset that our contract terms do not allow us to cover every claim, I am confident that we stand by our service experience and address problems as they arise.
Some customers complain about being non-renewed after a claim. On average, we pay 1.1 claims per contract. That’s our business. We pay claims and provide service to people. However, you may have seen allusions to receiving $10,000 in claims. Obviously we cannot pay that kind of money out on every warranty. These individuals usually have eight to twenty claims. If we did renew this type of property, the cost of the warranty would be raised very high for everyone else and make the product less available to consumers who need the budget protection our warranty provides. We also will non-renew for persistent abusive or profane language and for behavior we consider unethical. Just as you have the choice of warranty providers, we have the ability to choose not to do business with individuals who exhibit this type of behavior.
Some complaints are about hold times. We continually strive to improve our hold times. In these economic times longer hold times are a problem. You may have experienced them with airlines, banks, credit card companies, insurance companies, etc. We are actually pleased that we have been able to keep the standards that we have and even improve our hold times in several target areas. We have not moved to a foreign call center or outsourced our call center operation. All of your calls are answered here in the United States by HSA employees trained in the values of our organization. They take tremendous pride in providing you industry leading customer service.
I wrote this letter because I could not tolerate without response the people who call us thieves, liars and con men. We work very hard to deliver the best service and coverage that we can with integrity and fairness, and have done so for 25 years. We judge our success by the number of people who renew their warranty coverage with us year after year. These are the more than 85 percent of our customers who file a legitimate service request and receive fair and prompt service. If that were not true we could not keep our customers.
Robert Lehmann – CEO & President of HSA Home Warranty
I have filed several claims with HSA over the last 10 years (for different houses that I’ve owned) and have experienced a varying level of service. My original experience dealt with the replacement of a section of plumbing and from the initial call to the service itself, the experience was positive. My most recent problem dealt with a garage door opener, and I didn’t make it past the customer service call. Instead of pointing out that the level of coverage that I purchased didn’t include the type of repair that I needed (I researched it after the call and figured it out on my own), the service representative quoted their “must meet current safety standards” clause, which I came to find out can get them out of a number of repairs. Even though the repair was not covered under my policy, their response gave me the impression that they were trying to get out of honoring the warranty.
I’ve had one other positive and one other negative experience with them.
So, as the saying goes, the devil is in the details, and you really need to read the fine print in the contract before signing as a lot of items are not covered. There are also strange clauses (for a warranty contract) like “must meet current safety standards” that can bite you when trying to get a repair. This one got me for the garage door opener problem.
As I was typing this I saw Mr. Lehmann’s post and thought it was worth commenting on as well.
Of the 40% renewal rate that he mentions, I would like to know how many actually filed claims and then renewed. I would guess that a large portion of the renewals are from people who want the piece of mind that a warranty gives, but have never made a claim.
An alternative theory for why HSA’s competitors don’t have many opinions registered is that the majority of their customers are satisfied with their service. As was pointed out in the first paragraph of his entry, the majority of HSA’s customers are apparently satisfied, and therefore not taking the time to post their opinions about the service. I haven’t looked at the stats for this industry, but an 85% satisfaction rate seems fairly low.
Personally, I do not plan on using HSA’s services again.
I wish I’d read these reviews prior to renewing my contract, but I found my experience to mirror several on this site, including a lack of responsiveness from their vendors (A&E Factory), having to spend four full days home waiting for A&E and ultimately not getting serviced properly, and a huge variance in the knowledge of their customer service representatives. HSA has proved to be a huge waste of our money.
I had not owned a home warranty until getting my first one with HSA. My experience with them has been GREAT! They have taken care of several issues at my complete satisfaction. The coverage is real. As a matter of fact, I have gotten more in services on 2 homes than the yearly cost of my plan. I like this company so much that I bought coverage on 3 houses that I own. I will continue to use HSA and would recommend them to anyone considering a home warranty. It is an added peace of mind to have a warranty and a company that actually backs it up with great service!
We have had our HSA home warranty for 3 years. In that time, we have turned in 4 service requests. 2 of those were handled very smoothly, without issue. Two others had some claim handling problems that were not addressed in a professional manner.
One of those claims was for a leaky bathtub faucet. I had tried to fix the problem myself by replacing the valve stems prior to turning in a claim. When that didn’t work, I called HSA. When the plumber came out, he discovered that it was the springs underneath the valve stems that were the problem. HSA tried to get out of paying for the claim by suggesting that I caused the damage. The plumber assured them that I did everything right, but that I simply didn’t go far enough in my repair effort. HSA relented and paid the bill. That one kind of left a bad taste in my mouth, but I renewed the next year. (Ironically, the sink faucet in the bathroom had the same problem about a month later. I fixed it myself by replacing the springs at a cost of about $3.00!)
The last claim we submitted was when our a/c stopped working. When the tech arrived, he immediately knew what the problem was and took care of the clogged drain from the cooling unit. He collected the $50 and was on his way. The problem came a month and a half later when I received a call from HSA saying that the clogged drain is excluded from coverage under the contract and that we would have to pay the entire cost of the repair. The proper time to tell us of the exclusion was the day of the repair, NOT a month and a half later. It was not a big deal, I called the company that did the service and paid the extra $19. It didn’t bother me so much that it was not a covered claim as the WAY that HSA handled the denial.
That last experience is what brought me to this website today. I decided to check out the competition for when our contract renews in a couple months. We still have not decided if we will renew with HSA or not. So far we have paid HSA about $1300 in premiums. They have paid about $450 in claims with a $19 claim payment denial. I think if I was the person that decided to deny that claim after a month and a half, I would have just paid the $19 and sent a note to the customer explaining that it was covered this time as a gesture of goodwill, but that in the future it would not be a covered claim since it is excluded under the contract. But then again, what do I know? Oh, that’s right, I have owned and operated my own business since 1988…maybe I do know!
So there you have it: Four claims for service in three years; two were handled properly and two could have been handled better.
What a joke this company is. Do not deal with them. They try to excluded every little thing and leave you with the cost – even when “their” contractor does the work. They find cheap equipment that they get at volume discounts and then exlcude basic parts of the install. The numbers they quote for a buyout are completely bogus compared to having things done in the real world. I needed a furnace install and they offered only $925 toward the cost, and the warrenty covers up to $1500. Do not use this company.
I have had this service for 4 years now and have filed at least 3 claims. In each and every case the problem was taken care of promptly and to my satisfaction. The most expensive claim involved an older stove in my kitch that stopped working. (it was electric) The HSA contractor showed up the day after I called and told me the part he needed was no longer made. He also relayed this information to HSA. The company then told me the stove was worth 750.00 and they would either find a replacement stove for that ammount, or they would give me 750.00 toward the purchase of a stove of my choosing. I took the money and upgraded to a MUCH nicer unit and converted to gas. Granted, I spent much more than the 750.00, but ended up getting a much better unit for about half price. My wife and I were both very pleased. That brand new unit, by the way, had an incorrectly installed electric starter for the oven. The wire for the starting unit actually interfered with the blower for the convection oven and one day the fan cut through the wire causing a big spark inside the oven. I immediately turned it off and called HSA. THAT DAY a repairman showed up and fixed the problem. Again it was ALL covered by my HSA warranty, I paid only the usual deductible.
I have never had a problem and have always found the HSA representatives to be extremely helpful. I would not hesitate to recommend the company and have done so on many occasions. Read your warranty and know what is covered and what is not. Don’t assume and you won’t be disappointed. The company covers everything it is supposed to cover without question. I seriously doubt there is some plan to “make up reasons” to not cover an item.
Do not ever do business with this company. The biggest waste of money ever. My heat went out 3 months after I bought the house and they are claiming its a pre-existing condition. That is a loophole they use for anything they do not want to pay for. No point in having a warranty but I would highly discourage this company. Do everything you can to go elsewhere.
I’m glad to see that Robert Lehmann (CEO I believe) reads these and actually responds. I’m impressed and I would like to give Robert the chance to practice what he preaches. We have had the warranty for about 3 months. Our oven broke and the HSA serivce was fast and efficient. The technician was skilled and polite.
However, our furnace recently broke and upon calling in the technician we found that the first thing he asked for was the $75 payment. We refused to give it to him until he looked at the furnace. He wasn’t happy about it. He proceeded to tell me that the circuit board was improperly installed and that he felt the claim would be denied. Surprise, it was. Something didn’t make sense to me so I checked the technician out. He had no credentials, uniform, sign on his truck – nothing. I found out that he is licensed and has no complaints that I could find on BBB site. However, I also found that this technician is a one man show. Therefore, I called a heating and air company that has a great reputation and that we have used several times for a second opinion. The technician who was well-seasoned told us it was something completely different.
My issue is this: upon speaking with 2 representatives at the call center, I asked who would make the decision on this and they said they would – even though they don’t have the training to make the call. They said they might get their supervisor involved if needed. All I’m asking for is a fair shake. I would like this dispute to be settled by someone who is skilled enough to make the call. If I’m correct, I’d like HSA to cover the claim.
What do you say Robert? I’ll be happy to speak with you on this. After the oven you had a repeat customer. Now, I’m not so sure.
just read the last complaint. I am a one man company, I am licensed, insured, bonded. I have 19 years in the hvac trade. My van does have company name on it. When you get my company you get a well seasoned tech. Not all small companies are bad. I do agree that there are a large perentage of bad contractors, big and small. The BBB will charge a contractor $400-$1500 just to join a year. Many companies are terrible but as long as they pay the BBB they are always in good standing. If a company is truly credible they will get repeat customers.
We’ve had 2 claims.
Roof – Our contractor came out and based on what he told them, they decided it was a pre-existing leak and not under contract. We’ve lived through an extremly rainy summer and the leak did not start until 3 months after we moved in. I’m angry that money was spent on a warranty to cover something like this and now it’s denied. I had to go through a month of sending them information like home inspection, sellers disclosure and none of it is good enough – they won’t even talk to the contractor again. The only proof they’ll accept is receipts from the former owners, one who is no longer living.
Heater – the closest contractor they had to us was 40 miles away (we’re 5 miles from Philadelphia). This caused a little conflict, but was OK in the end.
The system is like HMO for your house. You can’t do anything without a referral. We’ll problably get another home warranty once this one is over, but definitely not with HSA.
HSA Home Warranty will pay for NOTHING! We bought our first home in May of this year, and were so thankful for the home warranty company. Now, over $3000 later, it has proven to be a huge waste of money. You can’t make up the excuses we have been given, and they speak for themselves… Our electricity started flickering in the living room because water was dripping on the breaker, but HSA wouldn’t pay for it because the water came from outside, making it “an act of God, not normal wear and tear.” Then the breakers started sparking and we were afraid our house would catch fire, so we called an emergency electrician, the only one that was available right then. HSA wouldn’t pay for those repairs because they wanted us to have a second opinion before the electrician saved our house from catching fire. HSA should do everyone a favor and clearly state on their literature that they aren’t out to help the customer; they’re there to help themselves to our hard-earned money.
My water heater broke down. HSA failed to order the replacement part in time – it took them 10 days to order the part even though I called every single day to verify that the part is on its way. I was told that it was shipped and should arrive within a day or two which was not true.
They never return calls, did not bother to apologizes for the misleading information that they gave me nor tried to find a solution the my problem.
only after two weeks of constant complaints and demands for answers from them they agreed to replace my water heater (with my co-pay)because waiting for the part to arrive will take another week (basically 3 weeks without hot water). Another strange thing is that they said the part was ordered and send with UPS but when I asked for the tracking number they refused to give it to me.Overall, I received different and contradict answers, sometimes from the same person! I had to pay out of my own pocket to solve a problem that they are responsible for. I still waiting for this ridiculous saga to end – I do not believe a word they are saying to me, whether it is the service representatives or the supervisors. Do not sign a contract with HSA!!!
I’ve never been told the term “wear and tear” so much in my life. And for it to be used as an excuse not to have my appliances repaired is utterly RIDICULOUS!!!!! I had no choice in dealing with this company, but I do have a choice of finding another company when this contract expires!!!!
I received the HSA Home Warranty when I purchased my first home last year. I input a claim on my roof about 8 months later and was told the process by the CSR. I located a roofer who contacted HSA and the claim was approved. The work on the roof was done; I paid the roofer and submitted the bill for reimbursement. I was paid, minus the deductible, within a month. Since that process went smoothly, I renewed my contract for another year. Now I have some water issues and submitted another claim. After reading these complaints, I am leery about that decision. With this recent claim submitted, I was assigned a plumber, and the CSR stated “normal wear and tear”. This makes me think that they’re plumber will come out and state something other than normal wear and tear and therefore the claim will be denied. I do not have a problem with continuously renewing my contract and never having the need to submit a claim. But I want a company to be objective and willing to honor a claim if submitted. I read the CEO’s message and did not see where he addressed the complaints of “normal wear and tear.” I challenge the company to be objective and responsible in looking at each case and honor claims submitted, as most people purchased a contract for the security of knowing that the options they signed up for are covered. This is the first time I wrote an online review on anything, but my first home is important to me and I felt secure with knowing that I had a home warranty, and I want to continue to have that feeling. I will post again after the water issue. Thanks
My one and only experience with this company was awful. We bought a house with an HSA home warranty. Our furnace wasnt working so we called to have someone come out to look at it. The vendor that HSA uses sent a guy out who stuck a screwdriver in the furnace and jabbed it around a few times and said we have a 4 inch crack in our heat exchange. Then he proceeded to tell us how to “break” our air conditioner so we could get it replaced with the warranty. HSA denied our claim saying that a cracked heat exchange “doesnt happen overnight” and that it was there before the policy came into place. We sent our inspection report to them stating the furnace worked fine before we moved in. They still denied the claim and said there is nothing they can do. We had a professional heating company come out to fix it and they took it apart and checked the whole thing for leaks and cracks and found nothing the only problem there was with the furnace was that the pilot light wasn’t lit, that’s why it wasn’t working. Needless to say we will not be renewing our warranty policy with them. HSA is a joke.
Have had 3 sevice issues they have coveed each one, however units were not fixed 100% dishwasher motor works but leaves the dishs with a heavy film. over all there sevice was just ok.
Well let me start by saying We purchased our home in 2004 and the warranty was included. The first year I did get our monies worth hot water tank was replaced no problem, had a similar situation with my stove top as an earlier customer noted that the parts were no longer made and I took a cash settlement remind you that it was much less than I replaced it for, but I was happy with that. that summer my Frig went out and I was with out a Refrigerator for 4 weeks not a good thing lack of follow up for sure. It wasnt until I got very upset that they did something about it ok so up until then they had been excellent so I thought ok. I have been having issues with my heating system and had someone come and look this summer and they told me thats how the system worked. Well guess what having the same trouble so I called HSA and to my surprise they canceled me! Ive never missed a payment or had a payment returned when I called they just said We didnt renew you when asked why basically they just said because. so I called a heating person out and turns out that Ive been calling them saying my heating system wasnt working properly and them telling me it was I find to my surprise it wasn’t. Not only that I have a humidifier system (never had one before all Greek to me) that has filters that should of been changed all this time and no one ever told me! My frig still doenst work right or my ovens but I just got tired of calling people out every week. Seems they have selective fixing. My guess is that they didnt make enough money on me because I did call them when I had a claim. Hmmmm Bottom line Iam looking into a new company.
I really hope that that was a CEO of HSA who wrote above me and does read these because I would LOVE to talk to him.
Absolutly horrible! I’m an attorney and even I can’t figure out what is covered and what isn’t under this alleged warranty. Frankly, it doesn’t appear to be worth the paper it is printed on! Nothing is covered and,if an approved service provider comes out and the claim is denied (as it likely will be in most cases), you will be liable for the service charges, as ell. When purchasing a home in the future, should the listing indicate that a home warranty is included, I advise that you ask for the cash instead. Real estate agents also get a commission for selling this crap so be further aware of that. Take the money and run as far away from HSA as you can.
We got this warranty on a home we purchased almost 3 years ago. About 4 months into the policy, one of the GE ovens ceased working. I placed a call to them and called the service people they recommended. The next day the service person came and diagnosed the “computer” board was bad; he had to get approval before ordering the part. It took a while to get approval and the person wanted to know if I would accept X amount of $ instead of repairing the oven. I told them I wanted the oven fixed so the part got ordered. It came and within 2 days was installed and working well (as it had been before the computer had gone out).
Had a very long and difficult experience with them over our Sub Zero refrigerator this past Spring. There was a message that kept coming up to “clean” and we would do it but the message would only reappear days later. I finally called for service referral and was given service (Expert Service in Ooltewah) to call. The first time they said that the unit needed freon so they charged both refrigerator and freezer (although I’d had no problems with the freezer). Within hours the refrigerator was at 50 degrees so another call. They’d be here first thing in morning; several calls later and they finally showed up. They said it needed freon; they charged it and left. Freezer and refrigerator both weren’t at correct temperature… another call. After the 3rd or 4th service call, I called HSA and said I would never have those people back in house and needed another service company. They implied that I would have to pay the service fee to the new people but I was determined that they should pay as I had called the people they told me to call.
Eventually, Woodlee Appliance was called and they were here the next day. By then the freezer unit had over an inch of ice on the cooling lines because it had been overcharged (1st person denied ever adding freon to the freezer… interesting that I watched and asked what was being done the entire time so I was “a liar”); we had never had a freezer problem before they touched the unit. They found the tubing needed to be replaced because it was leaking. It took a while on the phone to get HSA to agree to getting the parts but eventually (after 1 1/2 hrs.) approval was given and the parts were overnighted from Atlanta. The service person came back the next afternoon and installed and its worked well since then.
It really is important to have repair people who know what they are doing and know the equipment that is being worked on.
These warranties can be good but one has to use more energy to follow thru with phone calls and persistence (dedicating far more time than one would expect) to get the outcome of fixed applicances!
Hello,
I saw this page and I thought i should contribute based on my positive impression of HSA. I have had them for a year and I have absolutely no issues. We have filed 4 claims, all claims were promptly processed and take care of/ replaced.
Hope this helps the skeptics, as I was very skeptical of them when i purchased them. Note that I did get the 5 star upgrade and 2 of the 4 claims that I made were covered only because of the 5 star upgrade. I strongly recommend getting the upgrade. I think some analysis went into why the 5star service costs more.
Hope this helps
Uday
Absolutely AWFUL. Any of the review scores here that gave it higher than a “1″ are absolutely 100% fake. Anyone who claims they renewed their warranty is either lying or never had a claim in that first year.
I can’t believe this company has not been fined to the point of bankruptcy from complaints to the Better Business Bureau.
Examples – you will NEVER get a reimbursement check that is promised to you before a 4 month time period. They will always be “processing it” when you follow up to where it is and it WILL be less than you thought you were getting.
The claim reps WILL FIND WAYS to refuse your claims. It’s their job. That’s what they get paid for. Wouldn’t surprise me if they receive commission for every claim they turn down.
As mentioned several thousand times from the below reviewers, EVERYTHING is “wear and tear” and NOTHING is covered fully. You would be VERY lucky if you get “partial” coverage. They send out shady “make sure you do not leave your wife alone with” vendors and will give you the utmost cheap equipment as replacement.
I know you thought you were getting a good deal from your real estate agent who promised you a $400+ warranty package, but they not only get kickbacks for doing so, but the real estate agents only have to pay about $200 to get that package – that’s why they do it.
Waayyy better off dealing with everything out of pocket. Get to know a good & trusted handyman/electrician/plumber and pay them in cash for a MUCH better deal than HSA.
Robert Lehmann (“CEO”) – you should be ashamed of yourself.
My furnace had stopped working overnight. Since I have a small funace upstairs I didnt notice till I went downstairs. It seems my furnace is trying to turn on but dosent for some reason.
I called HSA today to get it looked at and fixed but since I have a heater upstairs I have to wait till Monday? I was told its not life threatening and I can just wait till Monday, Also I have to be home and availible monday for their repair guy. Wow a unpaid day off too. Ok so 10 dgrees ferenheit outside is no big deal to HSA.
Im suppose to tell my wife and 2 small children to stay upstairs in the bedroom till monday or “put on more clothes” like the guy told me on the phone rom HSA.
I do have the option of paying “overtime” for the repair guy to come out per HSA, but why??? I paid for a home warranty, never had a claim filed ever.
The guy at HSA was rude and whats even more ironic I just got a call to renew coverage. You can guess Im not going to. I hope I get my furnace repaired Monday, but if the cold gets worse Im going to have to just call a repairman on my own.
HSA so far has been rude, unreliable and I will absolutley go out of my way to not have any family or friends purchase warrantys if this issue is not resolved.
Just like other people posted, you may very well be better to just bank your premiums for repairs than buy a HSA contract. I plan to do a follow up when and if this repair or issue is resolved.
Ok, so it got colder and really I was losing a losing battle with HSA. Called them again to see if I could do something different with them to get this resolved and again I realized what a complete waste of money this warranty was.
I called and paid the repair guy myself and really it was something minor and only cost me $65. Since The HSA deductible was $50 I only spent a little more and me and the family are warm and cozy again.
Think about this, that $500 spent on the warranty minus the $65, I could have $435 in my pocket to save for other expences for the house, and I would’nt have to tell myself it was a emergency to heat my family at 10 degrees to spend it.
This warranty is a complete scam and ripoff, tell your friends and tell your family to save the money, your better off buying lottery tickets.
I would like to respond to Mr Robert Lehmann, the CEO of HSA. I do not have a policy with your company, nor do I wish to purchase a policy at your company. My reason for writing is because my daughter has a policy with HSA, which was given to her at the time she purchased her condo. She was in her new home a week when the hot water heater broke. She contacted the warranty company, paid her $100 deductible and waited for someone to fix it. Well three weeks went by and still no hot water. So, I sent her the money to buy the hot water heater and my nephew, who is licensed and insured put it in. To date, she is still waiting for HSA to reimburse her. The day after the hot water heater was put in her heater broke. Again, she contacted HSA, again she paid $100. Two men came out at separate times and told her, yes, she needs a new heater. It’s been two weeks without heat, in Phildelphia, and still no answer from HSA. She spoke with someone this morning, 12/22/09, and was told they are waiting for a diagnosis. What kind of company are you running??? It’s freezing in her condo!!!!! What will it take to get my daughter HEAT !!Shame on you.
I am a HSA contractor for Plumbing and Air Conditioning. 90% of denials are because the consumer forgets that their air conditioner or water heater are mechanical items and just like your car requires maintenance. I have worked for warranty companies for 20 years and I think they are worth every dime. Consumers need to take responsibility and stop being victims…..
At 9:30 last night December 23 I went downstairs to find my water heater leaking!!! I immediately called hsa and had a call back from a contractor within 10 minutes! They called me again at 7am on Christmas eve and by noon I had a brand new water heater!! I am so glad I purchased my hsa warranty. They went over and above to help me and now I have hot water for Christmas. Thanks so very much
Marie Lohr
This company should not use the word Warrenty in thier title. I had an oven go out which was part of an oven / microwave combination unit. I had to replace both since it was a combo unit. HSA would only pay me a few hundred dollars for a replacement that cost me $2000.00.
I also had problems with my heating unit. The service man came out and said it would be 700.00. Of course the problem was considered “pre-existing” so HSA covered nothing and I still had to pay the 50 dollar service charge. When I said I wasnt satisfied with the service companies conclusion to what the problem was HSA said they would not send a different service company out for a second opinion but I was welcome to pay for that myself, which I did. The problem ended up being something totally different and cost me 120 dollars. Did HSA cover that? Nope, they said they were going to stand by what their service company said the problem was and not reimburse me for the repair. This coverage is a JOKE with rude custumer service.