Summer 2016 is on track to break records for high temperatures. According to The Weather Channel, some U.S. states will see temperatures well beyond their normal summer levels. And with the brutally hot weather comes a strain on air conditioning systems with added repair costs if it fails. Unlike certain appliances in the home or even major systems, heating and cooling systems serve a uniquely important purpose during extreme high or low temperatures. So downtime longer than a few hours can turn a comfortable house into one that is unsafe to stay in, under the worst of weather circumstances of course.
Most of our readers on HomeWarrantyReviews.com are familiar with the benefits of home warranties and how it helps in reducing the repair costs. But even having a home service contract may not be enough protection in the event that temperatures run consistently higher than an air conditioning system can counteract. Excessive short-term demands on local HVAC repair companies can result in long wait times for customers desperate to get help restoring their A/C operation to normal. Supplies at the local level of parts and other materials essential to restoring operation of broken air conditioning systems can quickly run out, leaving customers without cooling in their homes for days at a time. And home warranty companies can find themselves running out of available contractors to send to their customers’ homes when claims for service are filed during these high demand time periods.
In this situation, preparing ahead of time is absolutely essential to a homeowner’s safety. Here are some key things readers will want to consider, going into what may be for them the hottest one they’ve ever experienced.
There is no failsafe trick to beating a rush on air conditioning repair services. Unless the reader has the luxury of being able to fix the A/C without assistance, there probably isn’t much that can be done to get ahead of other customers when demands exceed supplies in the local area. So waiting for the cooling system in the house to break down isn’t wise at all. Instead of finding out the hard way that the system isn’t up to the task of maintaining a safe, livable temperature in the home during extremely hot outdoor temperatures, it pays to have the system maintained at least twice each year, ensuring that part that looks like it’s reaching the end of its life is replaced preemptively. Home service contracts may not cover this type of preventive repair, but when it comes to safety, it never pays to nickel and dime household repair decisions.
Under regular demands, an HVAC system may not show that it’s not well maintained or optimally configured. But put that same system under heavy demands, from really hot weather that lasts days or weeks at a time, and suddenly the flaws become obvious. One aspect of optimal HVAC configuration that is easy to overlook without professional knowledge is the placement of the external parts of the cooling system.
The parts of the system that reside outside the home function best when kept clean and out of the way of climatic or other interferences. Long daily exposure to direct sunlight is not great for a cooling system that is already working overtime to keep the inside of the house cool. Knowing how much sun exposure the unit is receiving and compensating in some way for units that are overexposed to the added heat coming from a lack of proper shade from the sun can be an integral part of avoiding system breakdowns during periods of very high outdoor temperatures.
Also, it is important to avoid any object being too close to the outdoor unit of the cooling system. In particular, high grass, other landscaping, fences, foundations, and other obstructions can hinder air flow or block it entirely. Loose debris from these types of obstructions can clog the unit. It’s always best to keep the area around the unit clear.
Though sustained high outdoor temperatures may give homeowners no choice but to run the air conditioner non-stop, it’s still possible to do many things to reduce the workload on the system.
Depending on a reader’s age, chances are this sarcastic question is pretty familiar. But it lived on the tongues of many a mom and dad over the years for good reason, it hits the bullseye for the person paying the electric bill! Opening and closing doors, leaving garage doors open, opening curtains or blinds that might have helped keep the house cool if left closed, all of these are ways that making bad decisions can heat up the house. In a summer like the one the U.S. is now facing, it makes that much more sense to do anything and everything to lighten the workload on the air conditioning system. Check out the list below of ways to lessen the heating effects inside the house of outside high temperatures.
Filters for the air conditioning and heating system are typically not in view all the time. Things that are out of sight are easier to forget. So it pays to keep filter replacement on a calendar, where it’s routinely reminding a homeowner to put in a fresh filter. Anyone who has ever called for HVAC service, thinking the unit was broken, only to find out a clogged filter was all that was wrong knows that it’s cheaper to buy a bunch of filters and keep them on hand than to assume that filter replacement isn’t a big deal.
Clean filters help keep the air flowing into the interior part of the system freely and cleanly. Clogged filters clamp down on airflow, which can result in the interior part of the system freezing up and the house heating up, even as air is still blowing out of vents. One way to avoid forgetting about filter replacement is to sign up for a service like FilterEasy. With an auto-shipment subscription, homeowners don’t need to try to remember when it’s time to replace the filter or add the filter to a shopping list. And it’s far cheaper to keep the filter fresh and clean than to wind up with a repair bill.
Readers who know it’s been too long since the last maintenance visit should stop right here and get to the phone. Call a reputable HVAC service company before the chance passes and the busy season is in full swing. If the company offers any type of discount for customers who pay upfront for annual service visits then give those deals some serious consideration. Even a home service contract probably won’t cover every dollar of an air conditioning repair. So every dollar saved counts when the system needs expensive labor and parts to get it running again.
Regular maintenance visits typically check for signs of age or unusual wear and tear. And in some cases, this type of inspection can identify parts of the system that are near the breaking point. Whenever this happens, readers are encouraged to make the repairs immediately if funds are available. Though it’s always hard to know that playing it safe resulted in a real benefit for the homeowner, the old saying is true, it is better to be safe than sorry.
Readers who are qualified to give advice, either because of professional expertise or personal experiences are encouraged to share in the comments below! Don’t hold back. You never know when a moment of your time spent sharing comments with other readers might result in saved money, time, or suffering from a house that is miserably hot.
Home appliance protection plans are getting popular these days among homeowners. Such home warranty plans cover appliance repair costs and help homeowners with maintenance and repair services.
Home warranty plan is a contract to insure the appliances in case of breakdowns to cover-up the repairs or replacement.
Watch this video to know the basics of Home Warranty –
Home protection plan relieves you from unwanted stress and buys you peace of mind by providing the confidence that any repairs and replacement of your insured appliance will be taken care of by qualified service providers.
In case any of your insured appliances break down, first step is to place a service request by simply calling up your insurance company. Once the request is confirmed the same is sent out to schedule an appointment. Only the service fee will be collected to determine the problem and sort-out the issue.
Only the products listed in the insurance contract will be taken care of by the Home protection plan. Generally all major appliances like refrigerator, washer/dryer, bathtub, plumbing systems, electrical systems, ceiling fans, water heaters and garage door opener are covered in the insurance plan. If it is determined that your insured item cannot be repaired by a service contractor, then it will surely be replaced.
There are lots of home protection plans available in the market today. But it is not really hard to find which plan suits your requirements best, besides you just need to do some basic groundwork before deciding-
These are all the questions that you need to find the answers to before purchasing a home warranty policy. Some company policies cover only certain appliances while few are expensive. You need to be clear on all these issues.
Once you are certain about which plan suits your needs, compare the policy premiums and ensure the coverage plan. Finally, make sure the home warranty company is available 24 hours a day, 7 days a week, including weekends and holidays, so they are there when you need assistance. You can find such companies in our home warranty company directory. A home warranty company should have a toll-free number so it doesn’t cost money to call. Ensure that the customer support is available on easy track so that it helps in fast communication and service. Sign up with a company that has all the above mentioned facilities.
Planning to buy a Home Warranty policy? Watch this video –
Extended warranty sometimes also called as a maintenance or service agreement, is a prolonged warranty given to customers who wish to insure their fairly new devices. They are not always provided by the manufacturer and are usually procured along with or as and when the manufacturer’s warranty expires.
Such extended service agreements are often purchased for gadgets and appliances that don’t come under Home warranty. Eg. laptops, TV, desktop computers. They can be purchased over an existing manufacturer’s warranty so that damages due to accidents are also covered. They cover repairs and replacements of the insured device for a fixed period of time, which is usually around 2-3 years.
If you are wondering whether you need an extended appliance protection plans or not, consider this –
You have a reasonably new device which cost you a lot. It is still covered by it’s manufacturer’s warranty but you are not certain if that will be enough. You fear that accidental damages may occur and you cannot afford to repair or replace the device if it happens. If this is what is going through your head, we recommend that you purchase an extended warranty.
There are quite a few advantages that make you want to consider buying an extended appliance protection plans. Here are a few of them:
Although, the advantages may seem great, some experts have the opinion that extended warranty is a waste of money. This is because a decent appliance/gadget manufactured by a reputable company stands very little chance to fail in the first 2 years. It has been noted that retailers make huge profits from extended protection plans as very few consumers claim them.
Also, when it comes to electronic gadgets, it sometimes makes more sense in replacing it with a new one rather than repairing the damaged one. These days you can get a DVD player for around $30, so why then would you spend $20 repairing your damaged DVD player?
Technology is advancing at a very fast pace, unless your device is precious and expensive, we suggest that you think twice and explore a few options before you purchase extended warranty.
You may want to look at the repair rates of the various gadgets in the first 3 years of their lives and then decide if you need to go for an extended protection plan. However, the same cannot be said of Home Warranty, which is always recommended for most homes.
If you feel you don’t need an extended warranty as your appliances are 4+ years old, the best option for you would be a Home Warranty. Find out more about Home Warranty and Home Warranty Companies!
Source: CBS News
While you consider purchasing an extended warranty, ensure that you contemplate on all the points that follow.
Make sure that you know how the plan works. Read through the terms and conditions mentioned in both the contract as well as the policy booklet. Understand what damages are covered and what damages are omitted.
All extended warranties do not have the same duration of coverage. The term can vary anywhere between 6 months to 3 years. Be clear on this.
Beware of this one. In certain cases you will have to ship your damaged gadget to some other location. If this happens you will have to pay the shipping charges. Not only this, there could be several cases where you will have to spend extra money in addition to the amount you pay for availing the warranty. You can speak to the retailer to clear any doubts you have regarding this.
A lot of warranty companies are out there that sell extended warranty. Sometimes it makes sense to consider a few options before you jump into a decision and purchase extended warranty from the retailer. Some companies offer plans that cover a group of devices instead of a single device. These may be much more profitable that purchasing one warranty for a single gadget.
Before you purchase an extended warranty, check with the bank issuing your credit card to know if you are automatically entitled to an extended warranty if you make a purchase with the card. In certain cases, platinum and gold cards offer this feature to customers.
Getting an extended warranty is not a bad idea. However we urge you to go through everything carefully before you purchase an extended warranty from the retailer. Extended warranties, like we said are only for a single appliance/gadget. While they are not pricey as such, sometimes, for homeowners with ageing appliances find Home Warranty plans more ideal. They are affordable and cover a host of appliances and not just a single one. If you think, an appliance warranty plan is what you need, take a look at the top 10 home warranty companies in the U.S.A. Good luck!
When fixing up your home, the kitchen is a great place to start. This is because the area is one of the busiest rooms of the house – it is the place where meals are cooked, dishes are prepared and sometimes food is also shared. Improving the kitchen area can help you bring about change in other parts of your life, like sticking to a better diet or resolving to be neater in other rooms.
Complete remodeling may not be the perfect solution always as it requires complete renovation and a decent budget too. However, the kitchen can simply be improved by employing few decorating techniques.
There are a dozen kitchen improvement ideas which when followed to the latter bring the change you have been wishing for in your kitchen. When settling on which one to begin you should give consideration to the value that it will add to your home. To know more about this check out our Home Maintenance guide.
No matter where you live, kitchens are often one of the most used spaces in a house. Whether you are chef, someone who loves to cook, or the one liable for family meals, having an intuitive, practical kitchen space makes being in that space more enjoyable.
Kitchen area is very important in the house and the health of your family is also lined up so ensure to keep the whole area clean, comfortable and beautiful all the time. Well it is certainly great to work in an area where you feel most comfortable in, so the ways mentioned above can ultimately improve your cooking for the whole family which is a great thing. In case you are planning to renovate your kitchen, you might well reflect on the tips mentioned.
Moving into a new home is always something people look forward to. While new beginnings promise hope and happiness, there are some things you need to consider before you pack up and make the move.
Whether you are buying a home or renting , the rules remain pretty much the same. One must carefully inspect the property and neighborhood to determine whether it suits your needs and lifestyle.
Hire a professional home inspector to take a look at your new place irrespective of whether the home is old or new. As discussed elsewhere on our site, home inspection reveals existing and potential faults with the property and the appliances. This is all the more necessary if you are planning to buy the house.
If there are multiple faults with the house, it means that you will be spending a lot of money on repairs in the future. While all home warranty companies do not mandate a home inspection, it may be a good idea if you are planning to purchase a home warranty to protect your budget. However, if the owner is selling a house with an existing warranty plan, an inspection may not be necessary.
However, if you are planning to rent the house, you don’t need a professional home inspection. You can do a basic assessment yourself to ensure that the home is functional.
This step consists of several little things. Most sellers and owners exhibit their property claiming that it is ready to move in. However, there are some vital points that you need to check/implement.
If you are buying the house and if you plan to do it on mortgage, homeowner’s insurance is always mandatory. Apart from this, you may need to buy a home warranty to cover your budget in case any of your appliances break down.
Select the plans well in advance so that you won’t have to spend time on it later when you are tired after all the moving and unpacking.
Speak to your neighbors and get to know your neighborhood. New neighbors are the best sources of information about facilities available in the vicinity. Also ask about the general atmosphere in the area.
Once you meet your new neighbors, it will not be a bad idea to drive around the place. When you do so, make a note of the department stores, hospitals, eat-outs and other essential joints in the vicinity.
And You’re Done!
You’re almost there. Once you change your address and telephone numbers, you are ready to move! Last but not the least, make sure you hire a reliable and reputable packers and movers. Lousy ones cause damage to your items. Best avoid them. Good luck!
Hope you enjoy your new home!
Fastening the seat belts snug around your son when you drive him to school, looking both sides before crossing the road – every individual has been hardwired to keep themselves and their loved ones safe in every circumstance. While we deem our homes safe, secure and padlocked, domestic hazards of fires are rampant, leading to thousands of death every year in our country alone. We, child-proof our electrical sockets and cabinet doors, but what about FIRE SAFETY?
From an aromatherapy candle standing lit too close to a curtain to unchecked damaged wiring systems, residential fire deaths are most often from toxic gas and smoke inhalation. More than the actual contact with flames and first degree burns. Closed domestic spaces with no secondary exits and ventilation can be a fire safety risk and danger to lives involved. So this puts fire safety on every homeowners’ checkbox to deal with.
In order to help you with equipping you and your family, with fire safety measures, we have compiled all of the Precautions, DIY tricks, and checklists to keep you safe, prepared. Never get caught off guard with our 14 tips to fire safety at home:
No one can keep track of every room, store, and gallery throughout the day and night. Step one is keeping an eye out, and the only way to do that right is by installing smoke alarms. An adequate number of suitable spaces, especially the kitchen, attic, and basement, can go a long way when it comes to being aware of the slightest possible hazard. Smoke Alarms are such a pivotal piece of the puzzle in the fighting against untoward incidents of a fire breaking out and are your primary line of defense to have fire safety at home.
Where there’s smoke, there’s fire – and no doubt, smoke detectors are not something you can choose to skip. In fact, the U.S. Consumer Product Safety Commission, and local fire departments in almost every state have passed the installation of smoke alarms in domestic as well as commercial spaces as a compulsory requirement. The government also has extensive fire safety guides online, from precautionary measures to what to do afterward.
Even though having an exit plan is essential for everyone for fire safety at your homes, it becomes ever so important in a home with children, grandparents, and joint family structures. It may not always be possible to find and reach out to everyone at a moment’s notice, not to mention smoke makes visibility a near impossibility. Draw out the best escape route from each space in the home, make sure every member of the household understands it – especially your children. A few drills aren’t a bad idea!
Knowing where to get out from isn’t enough. Rummaging for keys and fighting with a jammed lock or handle can be a matter of life or death in the case of a fire. Keep all the major exit keys handy, if possible make a couple of larger grill windows on each floor openable when needed, and know that a stuck door isn’t only irritating but also could turn out to be dangerous.
It may be obvious, but most of us land up taking a candle or two for granted once in awhile. Check the gas stove in the kitchen, scented candles in the bath and any use of oil burners at regular intervals. Never leave the home or turn in for the night leaving these burning.
It seems harmless, but lint filters in your washer dryer must be cleaned regularly. Lint is highly inflammable, and the smallest electrical spark it may be exposed to can cause a fire.
If you’re a smoker or happen to have a cocktail party at home, a little extra caution is called for. A cigarette butt was thrown without being stubbed out, and that combined with a little spirit spilt on the floor can instantly cause a flame that may not always be easy to control.
It can also be that the cigarette butt can cause a fire in the garden if you have dry leaves on the ground. Remember, a spark is what it takes for a raging fire!
Summer causes overloading of electrical appliances, but the dry winter air and numerous heating appliances are just as dangerous. Heater, fireplaces in the living room and electric blankets all have to be used with caution and preferably given time to cool off for at least a few hours every day.
Overloading electrical sockets, not matching the voltage of appliances with circuits they are connected to, and ill-functioning appliances are some of the most common reasons for domestic fires. Regularly check your wiring system for any wear and tear, break and overloading.
Instilling the simple rule that all implements of fire – match sticks, lighters, gas burners – are not toys for your children to play around with is not just to prevent burnt fingers. The smallest flame around the house can get out of control. So fire safety should be inculcated in the young ones for it keeps them safe from future fire hazards.
Keep chemicals and fuels that are inflammable in your line of sight as far as possible. A forgotten can of fuel in the basement or garage even causes an explosion during a residential fire.
Your garden, porch, and backyard can be prone to fire as well. A pile of dry leaves left unattended or a home next to open areas that are prone to bushfires can be just as hazardous as a can of fuel. Such outdoor spaces, combined with a parked car outside, can often snowball into a full blown fire. So make sure that all of your family members are adhering to the fire safety standards being set, both inside and outside of your home.
Carbon Monoxide poisoning is a big part of toxic gas inhalation during a house fire, and ventilation is the only way to take precautions from it.
Over and above all that, there are a few things that everyone should know in case you are facing a fire. First, smoke in closed spaces hampers visibility to almost nil, making maneuvering through rooms rather difficult. Second, a fire at night requires smoke alarms, as smoke in the bedroom doesn’t wake you up – in fact, it put you into an even deeper state of sleep.
Thirdly, know that you aren’t a trained fireman, and taking matters into your own hands can only complicate things. At any sign of a fire, get out of the building, call for help and wait before you go back in.
Lastly, have fire extinguishers in place. Make sure that all of the family members know where it is and must be ideally placed where everyone can quickly reach at. Also, have regular maintenance on your fire extinguishers so that they don’t fail when you need it the most!
Last but definitely not the least, basic emergency numbers should be kept handy, not only on a mobile phone but also written down and kept visible on the refrigerator or next to the front door. Calling 911 or the local fire department immediately can save both lives and avoid property damage.
If such an event were to occur, and injuries were prevented, property and appliance damage to some extent is inevitable. The financial stress it can put you in can be kept at bay at least to a certain extent through Home Insurance. In fact, investing in Home Insurance can be a precautionary measure as well.
Most often, Home Warranty does not cover fire-related damage to property, wiring systems, and appliances, but having your home secured with Home Insurance as well as Home Warranty can make sure each coverage makes up for the other. Warranty and Insurance have been structured in a way so as to not have overlapping claims, making each unique and essential in their own way.
Going forward, make sure that you also do a thorough research on companies offering home insurances and home warranties. A dollar saved is as good a dollar earned, when you successfully file a claim!
Next to the so important health insurance each individual should have, there stands as second in line the home insurance. For homeowners, the home insurance is a specifically well tailored preventive measure any damages should happen to their property. The most important fact before you settle for one certain type of home insurance policy, is to ask yourself which kind of insurance do you actually need.
For example, if you live in a high risk area where floods happen quite often, then you should take an extra option for flood insurance. Certainly because your property lies in a high risk area, the flood insurance for your home is an extra option, it will not be included in the policy, and it will cost more. It is you, who should decide whether you need it or not. Bear in mind that it is not only the physical property which needs protection, but also your personal belongings (i.e. jewelry), and don’t forget about personal liability issues. Find the quickest way to get insurance quotes compared online.
The market offers you plenty of choices, and that is why it is so hard to make a choice. Settle your priorities first, see how much you can afford to pay for the insurance premiums and which are those aspects which definitely need insurance coverage. You have to watch out for the advertisements which offer too high discounts, but little or not effective coverage for you. The points where you can save when buying a home insurance is basically if you apply for one online (can bring you up to 15% savings), there are also certain new buyer discounts, plus if you make no claims for a number of years since you have the insurance, that could lower the price of your insurance with as much as 50% in some cases.
Some of the main coverage factors within a home insurance policy should contain:
Certainly the amounts to which the above mentioned situations are covered for, differs from one insurer to the other, but these should be contained in a standard home insurance plan. As for the extra options you may choose, these are plenty, and each homeowner chooses according to his needs and best interest. On the extra options list you may settle for Accidental Damage, which simply means protection for accidental damage of your stereo equipment for example. Then, the personal possessions cover is yet another extra option, which compensates you for loss of money or credit cards up to a certain coverage
limit, or accidental damage loss or theft of personal items. The family and legal protection extra option will offer coverage for almost any legal costs up to a certain amount, disputes revolving around employment issues, or property and inheritance related ones. Plus, the home emergency option will offer a helping hand in case your door lock breaks, your electrical heating fails, so that you don’t have to worry about the incurring costs a professional would charge for an emergency repair to your home. Check and discus with your family all the available options pertaining to home insurance in general, and settle for the one which is the most affordable and efficient regarding your personal needs.
Since you searched for this online, it is possibly true that you are frustrated beyond possible limits, because your Insurance Company, that you hired to make your life easier, is in fact annoying you. Let’s not waste time, this article explains the strategy that you must adopt in the event that your Insurance company acts tough on your claim.
Let’s take you over the essentials first. The points that follow must be adhered to , otherwise you stand a chance to lose the fight against the Insurance company.
Gather all the information you can regarding your damaged device eg Manufacturer’s name, model no, batch no, claim center’s details, basically anything that is required. You should have them ready before you call up the Insurance Company. Keep the info that you gathered in the same place, this is will make accessing them easier. Keep your policy booklet and contract ready as well.
Once you have gathered all the required information, call the Insurance company. It is suggested that you don’t place your call on Mondays as it is the busiest day of the week. You should keep records of the following:
Remember that being rude is not going to reap any rewards. The Representative on the other end of the line is possibly more frustrated than you are as they have to deal with annoyed customers like you all day.
If you follow the above two rules, you might get a positive response from the Insurance company soon. But there are cases where even good manners and genuine claims fall on deaf ears. If you are experiencing something like that, read on.
Call them up at a later time: This may help if the representative you talked to is a kind fellow. Or they may decide to help you just so that you stop annoying them with constant calls. Give it a try.
Speak with a supervisor: We are not sure how much this would help, but it is still worth a try.
Threaten them: Yes, you read that right. You probably had thought about it already. First, tell them that you had been a loyal customer and that you will be disappointed if your issue is not resolved. If that does not work, threaten them by telling them that you will terminate your contract if your grievances are not solved immediately. When you do this, they will ask you why you want to terminate your contract. Proceed on telling them how your constant pleas and calls were ignored.
Threaten them some more: It might be helpful if you threaten them by saying that you will tarnish their reputation by bad mouthing them. Declare that you are going to publicise the details of how you were treated and you can even tell them that you will announce the same through various social media.
BBB: The Better Business Bureau (BBB) is one such institution that mediates between the customers and the businesses to resolve issues. Place a complaint with them . The BBB is not a government run organization, however they are advocates of integrity and ethics. They do keep records of all the complaints. No institution wishes to be in the bad list of the BBB.
Attorney General’s office: If you genuinely feel that you are being victimized, you can complain to the Attorney General’s office. They will conduct enquiries and try to resolve the issue. If you do not wish to do this, then simply threaten the Insurance Company by telling them that you will complain to the Attorney General’s office.
Last resort: The lawsuit threat. This should not be used unless your case is that compelling. Most biggies in the Insurance field have their positions covered legally and you may lose unless you have a strong case against them.
HomeWarrantyReviews.com provides readers with a free resource unlike any other online. Our reviews and articles about home warranty companies are unbiased, unlike other websites you might visit these days. We do not give preferential treatment in our ratings, reviews, or articles to companies based on what the companies pay us in marketing fees. Due to that objectivity, readers like you can count on what appears here to be fair and in most cases free of editorial content.
In this series of articles, we let members of the home warranty industry talk about their companies. Please keep in mind that these interviews are not endorsements of companies. They’re meant to be a forum in which readers can get to know the companies direct from the source.
In this piece, we’ll share a conversation with a New Jersey based home warranty company, Select Home Warranty. Recently Home Warranty Reviews talked with Joseph Shrem, a manager at Select Home Warranty about their home warranty offering.
What is it about Select Home Warranty’s offering to homeowners that makes it so valuable?
Your home is most likely the biggest purchase you make in your lifetime. At Select Home Warranty we understand this and our job is to protect this investment.
With service costs rising and newer appliances having more sophisticated electronic parts and not built to last as long as they did decades ago, home warranties are viewed more as insurance, giving homeowners the peace of mind of knowing their costs are controlled and not having to go without a working appliance or dipping into savings to take care of an unexpected breakdown.
What sorts of items are covered in Select Home Warranty’s home warranty plans?
Select Home Warranty offers coverage on a wide variety of services nationwide such as air conditioning, heating, plumbing, electrical, and appliance repairs. We also offer flexible programs to custom-tailor the amount and type of coverage to meet our customer’s specific needs. Homeowners can also obtain coverage for their pool equipment, septic systems, lawn equipment, sump pumps and more!
Home warranty customers are obviously looking for cost savings when things around their homes break down. But do you find your customers are also looking for convenience?
Along with financial security, comes the peace of mind of knowing that the hassle of dealing with a break-down is taken care of as well. Select Home Warranty has a large network of independent service technicians who are on standby, ready to help you with your home. Our technicians are well trained to assist you with any type of issue you may have. We are partnered with top of the line contractors around the country. We don’t want our customers to scramble to get a service appointment or find the right contractor. As the provider, we also want to make sure the job is done quickly and correctly.
Automation is the buzzword in almost any industry these days. Do you feel like automated customer service is the right approach?
Select Home Warranty’s top priority is servicing our customers. With around-the-clock professional staff, we strive to make ourselves available to answer questions, whether it’s regarding coverage or a claim.
If you represent a home warranty company and would like to see your company featured in a future interview on HomeWarrantyReviews.com, please let us know!
If you are a reader with questions about this home warranty company or other home warranty companies, please visit our top home warranty companies page or our home page, where you can search for any company by name.
Select Home Warranty was founded in 2012 and is headquartered in Mahwah, New Jersey. The company markets its service contracts to current owners, sellers, buyers, and real estate professionals who regularly assist their clients with decisions about home warranties. Select Home Warranty provides a number of web services on their corporate site, including information for contractors who wish to join the company’s network of service professionals. Existing customers can also submit claims online via a brief form on Select Home Warranty’s website. Readers who are interested in obtaining a price and coverage quote from Select Home Warranty may do so here on HomeWarrantyReviews.com, via the company’s website, or by phone.
Home is where thy heart is, and there is no greater pleasure than coming back to the place where you belong. But a leaky tap or a broken air conditioner can ruin it all. Buying a home is a huge investment and maintaining it is equally taxing. Appliance breakdown or plumbing issues not only burn a hole in your pocket but also ruins your peace of mind. Home warranty can be the tool that can make your life hassle free.
Home warranty is a service contract that promises to repair or replace damaged appliances and systems, provided it meets the terms and conditions of the deal.
A warranty differs from a general homeowner’s insurance policy in that it covers repairs and replacements of faulty appliances or systems whereas homeowner’s insurance covers your home and its contents from uncertain events such as loss, theft, and destruction. Home warranty is different from a manufacturer’s warranty as well.
If your appliances and systems are no longer under the manufacturer’s warranty or you just want the added peace of mind, then yes a home warranty could save you money in the long run and cover the maintenance that your home insurance does not.
In home warranty, coverage depends on the value of purchase. In this case, the more the merrier. The coverage groups the appliances into different categories. The following are usually covered in a first-tier or second-tier plan offered by home warranty companies. For a complete list, check what is covered in a home service contract article.
These generally include appliances such as an oven, refrigerator, dishwasher, garbage disposal, microwave, washing machine, clothes dryer and ceiling fans.
These usually include furnaces, air conditioners, heat pumps and ductwork. However, portable air conditioners and heaters are not always covered.
It includes indoor pipes and drains, faucets, swimming pools and hot tubs.
Covers electrical panels, wiring, garage door openers and door bells.
Are you a homeowner? a home buyer? a seller? or a real estate professional? It does not matter which end of the deal you are at. Home warranty is bound to benefit all.
A perfect home protected by a home warranty is like a cherry on the icing. It provides peace of mind to the homeowner who otherwise might not be able to meet unexpected repair bills when one has already invested a lot on a house. The benefits of a home warranty plan include:
A property with a home warranty can generate greater demand. Homes listed with a home warranty are more attractive to potential buyers, and tend to sell faster and often fetch a good price. The benefits of a home warranty for a seller are:-
A home warranty is a very important aspect of the real estate transaction providing many benefits during the marketing period, while the home is under contract and after the close of sale:-
A number of different companies offer home warranty plans. Regardless of who pays for the policy, the buyers should review the coverage from various companies and select the one which suits the best. Read the fine print carefully to spot coverage limitations and exclusions. Be sure to get a home warranty plan that covers “pre-existing conditions” which were not known to the sellers or their agent. Pre-existing defects that were known are excluded from coverage.
A home warranty can cover almost all your household appliances and systems, as long as you are prepared to pay for a high level of coverage. Warranties generally do not cover things such as permit fees or hauling fees, nor cosmetic structures that are part of your appliances that can easily be replaced, such as: oven rotisseries, broiling and baking attachments, refrigerator shelves and bins and water filtering devices. Here is a list of possible exclusions which you need to be careful about.
Warranties do not cover any structural problems in your home, such as a crack in the basement wall or a leaky roof.
Even for the things that are covered, a home warranty company will not usually agree to repair or replace appliances or systems that had pre-existing problems at the time when you obtained the warranty.
The company may not be willing to repair items that were improperly maintained or installed or that violate building codes.
Take note of any extra fees. Some home warranty contracts charge extra fees in addition to the deductible, including service fees and missed appointment fees.
Improper previous repairs, pre-existing problems and more are excluded from coverage. Also, some companies may limit the number of claims you can file.
The pain of finding a repair person or replacing your appliances can be avoided with a home warranty plan. It can free you from the financial burden of expensive repairs and replacements. But, we provide you reviews on companies by many homeowners, homebuyers and real estate professionals. This will aid your efforts to choose the right company suiting your needs. Want to receive quotes from a list of companies? Just provide your zip code and address and the job is done! This means no waste of time in signing up.
Like any other insurance, home warranty is also bound by clauses, therefore read the fine print and make yourself aware about the hidden clauses to make best use of the deal.
As of now, many of these coupons have expired. However you can still get a price quote for home warranty on our website. This will be a free quote and there is no obligation to buy
Choice Home Warranty is offering 25% discount on premium and $15 off of service call fee. Use the code “HOLIDAY25” here – http://choicehomewarranty.com/quote-start.php
Coupon expires on 12/26/2008
Check out our reviews section for Choice home warranty reviews
Choice Home Warranty is offering 15% discount on premium and $15 off of service call fee. Use the code “15OFF” here – http://choicehomewarranty.com/quote-start.php
Check out our reviews section for Choice home warranty reviews
We found this discount deal on deal catcher forums – National Home Protection is offering 20% off, and $50 Gift card
Sign up for a new home warranty and get 20% off your monthly bill, $45 service calls (usually $60) & a free $50 Home Depot Gift card. Offer expires 10/31.
Use Promotional Code SAVE20 Check out our reviews section for National Home Protection home warranty reviews
Phoenix: The Arizona Department of Insurance is on the lookout for customers who purchased warranty plans from the now out of business company, Sensible Home Warranty (SHW). While the year 2014 saw many major incidents in the home warranty industry, SHW closing was one that garnered significant attention.
In May of 2014, Sensible Home Warranty, a New York based company that was once considered as a fast growing contender in the industry, announced through their official website that they were closing shop for good. The declaration came as a shock to many, including customers of the company and other patrons in the industry. (Read Sensible Home Warranty Shuts Down)
Reasons behind the closing were not revealed on their website or anywhere else and still remain unknown. While the company did have a substantial number of loyal customers, discontent among some other customers were quite evident from feedback received on HomeWarrantyReviews.com. The company’s BBB page reveals that a total 1,811 complaints were filed against them during their tenure in the industry.
Several customers reported on HomeWarrantyReviews.com that SHW had failed repeatedly to process claims and provide them with the services they were entitled too. Such customers and many others who purchased prepaid warranty products from SHW would find this as a welcome relief as it may help them retrieve a part of their money.
Following feedback from customers expressing their grief over monetary loss due to SHW shutting down, The Arizona Department of Insurance has announced that they will be making an effort to compensate the losses incurred by SHW customers.
Officials say that partial refunds may be available to customers who paid their premiums in advance. The refunds will be funded by the money that SHW deposited with the Dept. of Insurance as required by the state laws of Arizona. The deposited money will be divided among genuine customers who approach the department.
To claim the refund, customers must file proof in the form of claim requests and receipts to the Dept. of Insurance by no later than August 2, 2015. Customers are requested to visit the following link and submit an application online along with any other material that support your cause, eg contracts, claims history, receipts from SHW etc.
While the Department cannot say in advance what the amount of refund will be, the Department agrees to give due consideration to everyone who approaches with a genuine claim.
To qualify for the refund, consumers must submit material evidence (documents) showing that he/she
Those interested should write to the Dept. of Insurance with completed forms and relevant supporting documents to –
The Arizona Department of Insurance
2910 North 44 Street
Customers can also email their forms and documents to – [email protected]
As a landlord, legal responsibility is a bigger issue for you. You need to guard yourself against the losses that can potentially crop up to your properties and in general financial health. What if your occupant is hurt on the rental possessions? You want to be sure that if you are prosecuted, you have the adequate insurance to lend you a hand.
As a landlord, you should guard your income stream and that’s your rental income. If the structure is adequately spoiled then it is not possible for the renter to dwell in your property, so you require a protection to your rental income so as to meet your obligations, together with the mortgage on the property, if any. This is where you have to reflect carefully on what your exact needs are and purchase the right coverage.
Take heart! While it may sound scary, insurers have previously designed policies for the landlord’s requirements. Always remember that there will be a dissimilarity in these policies, so you will have to verify the fine print and choose the one that suits your situation. By shopping around, you will get a better idea of what is obtainable in coverage and at what price.
There are some forms of insurance you can take to make your life simpler and less of a burden. Here is a list of essential insurances that a landlord must have:
Landlords most likely take issue with this one, as it appears to take money out of their pockets-especially those with the ability to do repair work themselves. However, you can draw a better class of tenant if they recognize that there’s a warranty in place. (i.e., they won’t have to hunt you down and request you to come by to make repairs). Besides, it will free you up to truly manage your belongings as an owner rather than just a handyman. To end with, a home warranty policy will pay for itself with one or two repairs.
To get an estimate of home warranty costs for your rental properties, visit our home warranty price quote section
If you possess a home then you likely know the significance of ensuring that it is properly protected. Having the correct insurance for your property is a good step towards making sure that you have the guard you require. Landlord house insurance is essential for anyone who possesses a home. The key to home insurance policies is ensuring that you receive the best price for your insurance.
Below is a list of ways by which you can decrease the rate of your insurance policy.
Many landlords believe that they do not require any insurance for the contents in their buildings. They hold the impression that these contents are taken care of by the building insurance they procured. However, that is not the actual case. To get the contents covered, they will have to spend extra in landlords’ contents insurance. Some landlords even feel that the contents will be covered by any insurance policy the tenant holds. But the actual fact is that the policies bought by the tenants will only cover possessions of the tenants and not that of the landlord.
If the landlords truly worry about the contents for which they put in a huge amount of money, they must procure landlords contents insurance. In this way, they can expect to get some reimbursement for the items in case they are damaged. Having no insurance for these items will leave them totally destructed if they face any incident causing damages.
It’s called “umbrella insurance as it is intended to give liability protection beyond when the liability on other policies has been exhausted. Depending on the insurance company, you can obtain an umbrella policy with an extra one to five million in liability protection.
Umbrella Insurance gives an added layer of liability coverage. It’s isn’t just for rich and famous. Whether it’s an incident on your policy or a serious auto accident concerning costly medical bills, you can find yourself liable for damages that exceed the limits on your homeowners, auto or boat policies. A pricey judgment is the last thing you want to be anxious about.
Landlords habitually handle different types of policies, but one of the most significant and frequently unnoticed types of insurance is the umbrella insurance policy.
Consider these factors if you are not sure if you would benefit from procuring umbrella insurance or not.
Taking no notice of these insurance policies is not recommended anytime. The consequence of such ignorance could lead to serious losses that will be hard to recover. On the contrary, landlords are strongly suggested to make an investment in such policies that will save them a lot of money in case of any accidents.
There was a news report covered by HomeWarrantyWiz.com regarding recent developments with regard to fake Internet testimonials, company reviews, and ratings being detected and penalized by the Federal Trade Commission (FTC). HomeWarrantyReviews.com was involved with the research behind this article, particularly by sharing our experiences with home warranty companies that have attempted to use our ratings system to post fictitious consumer reviews.
Home warranty is a highly complex product and many consumers rely greatly on the information they find on the Internet in order to choose a home warranty company. Fake Internet reviews make finding accurate information about companies more challenging and can sometimes lead consumers to making misinformed decisions.
The recent FTC fine levied on an advertiser outside the home warranty industry for advertising that involved fake reviews posted online is a good sign for home warranty customers and for all consumers who use the Internet to shop and research products or services. Websites like ours which are actively monitoring the reviews posted on them are an additional resource aside from the FTC and state attorneys, working in the consumer’s corner.
There have been instances where we have blacklisted companies for repeatedly posting fake positive reviews. Some companies employed some sort of advanced techniques to make the review look legitimate. But we have built a sophisticated rating system over the years and will catch any attempt to manipulate the reviews. On top of that we have a team of experienced staff members who make sure the review passes through their litmus test. So, if you are company that relies on such tactics, take a note!
Ensuring that fake reviews and ratings are caught and removed and that the offending parties are warned is just one way in which reviews sites can police reviews and ratings and keep them as accurate as possible. Consumers also have a responsibility as well. Consumers must be diligent to make their reviews as factual as possible in order to make the fake reviews easier to spot. Detailed reviews stand apart from general ones and often fake reviews give only the most basic details, focusing more on glowing compliments about the service or product. Leaving emotion out of reviews is also important because the same companies that post fake reviews or attempt to deflect blame whenever customers post highly emotional testimonials. Ultimately the task of spotting fake reviews falls greatly upon the consumer’s shoulders but now that the FTC has thrown its hat into the ring things will be much more complicated and risky for companies that prefer false advertising over legitimate customer testimonials.
2-10 Home Buyers Warranty is in the process of launching Green Advantage Warranty as part of protection assurance programs for new and upcoming green building initiatives.
The 2-10 home appliance warranty company offers Green Advantage Warranty to builders who meet eco-friendly standards. Builders need to build homes that fulfill the requisites of Energy Star, National Green Building Standard (NGBS), or Leadership in Energy and Environmental Design (LEED) standards.
Green Advantage Warranty includes repairs and replacement of Energy Star certified products and appliances. Coverage includes the replacement of green labeled items, engineered wood products, sustainably harvest lumber, low or no emission finishes and recycled products with accordance of applicable national certification standard.
Scott Cromie, Chairman and Chief Executive officer states that “With one in four homes now certified by green building standards, it is clear that home buyers want a more eco-friendly home, and that offering warranty protection that targets these values offers builders a clear competitive edge,” and also reports “Our new Green Advantage Warranty represents 2-10 Home Buyers’s Warranty commitment to greener business practices, and celebrates the home builders and home buyers who want a greener home and lifestyle. We’re proud to offer a product that meets these standards, while continuing to provide the same leading, trusted protection our company stands behind.”
Builders interested in participating are encouraged to call 877.777.1344 for more information. You can register to 2-10 HBW Green Advantage Warranty, just by adding up a minimal additional fee over the existing standard rate. It is as simple as checking a box next to the certification standard on 2-10 HBW’s Home Enrollment Application.
Green Advantage Warranty is an added policy to the company’s existing home warranty package, including one, two and ten years of coverage offering for new construction home builders. Company’s 10 years warranty covers structural warranty defect. Under the policy of 1-2-10 warranty one year of surety coverage of workmanship and materials. Two years of warranty also covers on systems.
About the company
2-10 Home Buyers Warranty® is in market for more than 30 years, now the company has offered customers and their homeowners the most comprehensive warranty program available. Whether you’re building, selling or buying a home, 2-10 Home Buyers Warranty offers a complete line of warranty, service contracts and risk management products. Since 1980, 2-10 Home Buyers Warranty has provided warranties and service contracts for more than 5.5 million new and pre-owned homes.
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HVAC appliances are one of the most vital components in a home. Naturally, unexpected crashes and breakdowns of HVAC units disrupt a peaceful living. And once they crash, boy! They are really expensive to repair (or replace).
Any homeowner, in his right sense would therefore make sure that the heating, cooling and ventilation units are well taken care of and maintained. For all of you who are wondering how to extend the life of your HVAC appliances, this checklist is just the right thing for you!
Yes, all HVAC appliances will do well if you give them some basic cleaning every month. Ensure that you do the following two steps at least once a month.
The U.S. Dept. of energy advises homeowners to carry out a maintenance routine at least twice a year. This ensures that the power consumption is optimized and hazards are avoided. Here are the steps that you should carry out yearly to ensure healthy running of your HVAC appliances/ systems.
If you think that these tasks are difficult and that your warranty plan will save you, here’s some incentive for you to get going in the right direction.
Home Warranty Companies usually DO NOT cover damages caused due to lack of maintenance. Which means that if your system stops working and the technician diagnosis says that the damage was caused due to lack of maintenance, your claim may be denied.
If that is not compelling enough, here are some more things that will happen if you are careless about HVAC maintenance
Appliances and systems in our home and around us help us lead a happy and easy life. So it is only fair that we do for them at least a fraction of what they do for us. Take good care of your appliances, don’t use them roughly and above all, purchase a home warranty plan to protect your budget against unexpected appliance crashes.
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Hagerstown, Maryland is one of the prime cities in Western Maryland. The Hagerstown-Martinsburg urban area is home to almost 270,000 residents, while the Hagerstown suburban area has over 40,000 people and about 30,000 jobs. Currently, there are approximately 500 homes for sale in Hagerstown at a median listing pricing of nearly $180,000.
The top-rated realtors in Hagerstown are well aware of properties, neighborhoods, and newest for sale listings in the city. The experts can provide you with updated information about home buying and selling trends in Hagerstown. Below is the list of top 5 real estate professionals based on their recent activity, years of experience, and total sales volumes in dollars.
Tina is a Realtor with Exit Preferred Realty and licensed in Pennsylvania and Maryland. With an experience of more than three decades, she specializes in short-sale, consulting, and buyer’s agent. She is a proud Member of Pen Mar Regional Association of Realtors, Member of Metropolitan Regional Information System, Member of Realtors Association of York and Adams County, and Member of National Association of Realtors. Tina is an accredited short sales and foreclosure resource (SFR) as she knows how to help sellers maneuver the intricacies of short sales as well as help buyers pursue short sale and foreclosure opportunities. Tina understands that buying or selling a home is one of the most significant things you do in life and she assists in making the experience as smooth and successful as possible. Her extensive experience and expertise in the Hagerstown, Chambersburg, Fayetteville, Greencastle, Mercersburg, and Waynesboro real estate market benefit her customers in their buying and selling process.
If you want to buy a home, Tina and her team can help you find the home of your dreams by patiently listening to your needs. She works untiringly to find the right home so that no one has to compromise when it comes to such a huge purchase and decision! Besides, her real estate knowledge ensures that you get the best price possible for your property. Her strategic marketing program makes sure the right people view your home. Whether you are seeking Homes for Sale or Mortgage information, Tina and team are always available for service by phone, email, or appointments. Experienced in all facets of real estate, Tina enjoys spending time with her children and grandchildren, gardening, riding horses, and taking a hike.
“So if you or someone you know is looking to Buy or Sell a home give me a call. Thinking Real Estate! Think Tina Long!”
Joan possesses more than 33 years of experience in the real estate industry spanning across Residential and Commercial Development in the Washington D.C. Cosmopolitan Area, Property Management, and Certified Buyer and Seller Representation in the Western Maryland and South Central Pennsylvania neighborhoods. A consistent multi-million producer, she can assist first-time buyers and people scaling up or down with their home size or moving to a new area. Joan is skilled in all facets of real estate including but not limited to equestrian or farm properties, urban, suburban or rural homes, historic properties, primary or second homes, and Country Properties. Currently a part of the management team at Coldwell Banker Innovations, she operates mainly in Hagerstown, Boonsboro, Braddock Heights, Clear Spring, Funkstown, Sharpsburg, Chambersburg, Mercersburg, Greencastle, Waynesboro, Knoxville, Fairplay, Saint James and more. Joan believes that experience and understanding are priceless when purchasing or selling a home and hence she provides the right guidance to attain your real estate goal.
An alumna of the University of Buffalo, Joan is constantly acknowledged as one the area’s leading real estate professionals. She has served as President of PenMar Regional Association of Realtors providing guidance for the local membership to boost their abilities and opportunities to prosper through cooperation, participation, promotion of professional integrity and moral standards, and providing educational opportunities to further their careers. She is also engaged in teaching the Introduction to Real Estate licensing course at Hagerstown Community College. Joan has steadily maintained a multi-million dollar award winning sales position in the top 10% each year. She has won the following awards:
Call, email or text JOAN anytime with real estate queries you may have.
Mike has spent more than two decades working in the real estate industry serving the needs of both the residential and commercial market. He is a resident of the Frederick and Washington County neighborhood and displays an amazing sense of leadership and integrity in everything he does. Mike received his Bachelor of Science from the University of Maryland University College and operates mainly in areas such as Hagerstown, Adamstown, Saint James, Brunswick, Boonsboro, Middletown, Smithsburg, Keedysville, Ijamsville, Williamsport, Maugansville, New Market, Point Of Rocks, Thurmont, Cascade, Cavetown and more. After spending his initial 17 years with Mackintosh Realtors, a local independent firm in Maryland, Mike established Atlantic Real Estate in January 2013 and since then is building a business model that incorporates the customary services expected from a real estate brokerage firm while combining state-of-the-art technology and advanced ideas. Atlantic Real Estate manages all aspects of real estate including property management, buyer & seller representation, real estate investor strategies & planning, professional marketing & sales, consulting & advisory services, land development, and new home sales & marketing. He established Atlantic Home Construction in 2015 after renovating & remodeling investment properties for many years. The company builds custom new homes and remodels existing homes for resale.
In 2016, Mike established Atlantic Companies, recognizing the void between the real estate and building industries. Atlantic Companies is comprised of a real estate division (Atlantic Real Estate) and a construction division (Atlantic Home Construction) along with other ventures. This allows both divisions to work together providing superior quality and long-term value, forward-thinking ideas, and honest customer care.
Mike’s commitment to work responsibilities sets him apart from the rest and has helped him achieve the following:
In addition, Mike has earned the following:
A licensed agent with Keller Williams Premier Realty, Karen serves neighborhoods such as Hagerstown, Clear Spring, Chambersburg, Fort Loudon, McConnellsburg, Mercersburg, Orrstown, Williamsport, Boonsboro, Shippensburg, Waynesboro and more. Whether working with a first-time buyer or a seasoned homeowner, she believes in striving for excellence. Her specialties include short-sale, investors, senior real estate consumers, residential, distressed homeowners, luxury homes, listing agent, and relocation. After graduating from Mercyhurst College, Karen spent 25 years as a registered nurse in Erie, PA. When her husband relocated to the Cumberland Valley around 17 years ago, her 5 children were very young. Her passion for bringing the best to a community led her to get involved with the local Boy Scouts of America. She held numerous leadership positions such as Cubmaster and leading district training events. Later she also became a board member of the Mason-Dixon Council as Vice President of Cub Scout Program. Karen is a recipient of the Silver Beaver Award which is the highest Council award and her 4 sons have earned their Eagle Scout award. Her daughter is the pharmacist at the local Greencastle CVS and one of her sons is a pilot for the United States Coast Guard.
Karen’s expert skills along with hard working attitude and interest in marketing led her to pursue a career in real estate in 2004. In her very first year of service, she was awarded PenMar’s Rookie of the Year. Since then, she has continued to be a top volume producer. “Helping people with one of the biggest decisions of their life is such an honor. Being their advocate and making their move as easy as possible are my goals. People look to us for guidance with life changes and this is a responsibility that we cannot take lightly. I BELIEVE that Realtors who base their practice on the latest guidelines and marketing principles are “doing their best” for their clients and their client outcomes are then optimized.” Karen helps the first-time buyers by making them understand the assets and liabilities of a property. She believes that preparing the home for selling and staging the house are critical when buyers are so selective. Premium virtual tours are her specialty.
Finding Keller Williams, the second largest Real Estate Company in the US has been impeccable for Karen’s wish to be the best. Working at Keller Williams has offered her the following:
Karen has earned the following designations and certifications:
“My mission is to always “DO MY BEST” in providing professional real estate services to you the buyer or seller!”
Kari Shank is a full-time realtor with RE/MAX Achievers and licensed in Maryland, West Virginia, and Pennsylvania. She is keen in making your real estate transactions as seamless as possible. She is a permanent resident of Washington County, MD and also has great exposure to the Washington and Baltimore areas. Kari loves working with both buyers and sellers and always takes a tailored approach to the business. Besides, she works as a buyer’s agent emailing you with new listings, setting up custom home searches, negotiating deals, and setting up custom home searches on your behalf! She has a proven track record selling real estate and is available to you seven days a week to answer any of your concerns. Kari has a long list of clientele as she carefully listens to understand the goals and guides them through the complete process of selling their property from listing to sale.
With nearly 11 years of distinguished service, Kari has won the following awards:
Kari is mainly active in neighborhoods such as Hagerstown, Middletown, Smithsburg, New Market, Falling Waters, Boonsboro, Adamstown, Chambersburg, Shepherdstown, Brunswick, Clear Spring, Fairplay, Frederick, Keedysville, Maugansville, Myersville, Sharpsburg, Williamsport, Greencastle, Waynesboro, and Martinsburg. Her skills include sellers, buyers, first-time buyers, relocation, condos/townhomes, short sales, foreclosures, investment properties, and new construction. She is very active in the real estate community serving on the PenMar REALTOR® Association’s YPN Group and as a presenter at the Hagerstown Home Store. As a certified distressed property expert (CDPE), Kari is proficient in effective short sale negotiations. “If you must sell and the current value of your home is no longer enough to satisfy your mortgage a short sale can be a wonderful opportunity to avoid foreclosure. I have worked on many of these sales and would be glad to help you consider your options.” An alumna of University of Maryland College Park, Kari is interested in historic properties, music, photography, traveling, animal rights, and vegetarianism.
“Just tell me what you are looking for and I will search all of my sources and provide you with a convenient report of all the properties that you may be interested in complete with photographs of the properties and detailed neighborhood information.” Kari guarantees to advertise through multiple sources, competitive commission rates, and guides you through your next move! Call her today for more information on the current market.
It is not surprising that homeowners often wonder whether home warranty is more cost-effective than the actual repair expenses. Top home warranty review, rating, and comparison website, HomeWarrantyReviews.com has introduced Home Maintenance Calculator to better make an informed decision in purchasing a home warranty. There is also a widget code for all the realtors out there to use it on their websites and blog posts. This is a nice to have feature and sends out the right signal for all of the potential customers coming your way! (<iframe src=”https://www.homewarrantyreviews.com/home-maintenance-widget”></iframe>)
An offshoot of Home Warranty, Structural Warranty is a legal agreement between the builder of the home and you – the owner. Structural Warranty functions basically in the case of new homes, wherein the builder assures that the home he has built will have no structural defects for a period of ten years after its construction. His claim is covered by the company which offers him warranty coverage for the building, at times additionally including workmanship and internal systems.
The system functions just like Insurance, but covers defects which may occur due to age and wear and tear, not natural disasters or unforeseen circumstances. Like the Home Warranty covers the items in a home – its appliances, wiring and plumbing systems, interiors etc. – Structural Warranty covers elements like the foundation, girders and beams, roofing, and flooring.
Before the purchase of a home, it is advised for either the new owner, seller or realtor to purchase Home Warranty, in order to establish a relationship of trust and confidence in both parties involved. Just as a Home Warranty leaves the new owner knowing that his home and all that is in it is secure for at least a year after its purchase, Structural Warranty establishes the same sense of security in the buyer of a new home straight from a builder.
It is rather simple – all structural defects are now to be fixed by the company that the Warranty has been purchased from or by the builder offering the warranty himself, and as long as the terms and conditions are met, neither the builder nor the new owner is liable.
We see before our eyes appliances, electrical systems and plumbing leaks occur every once in awhile – but most of the time structural damage is noticeable only after it is too late. Given that large parts of the US are known to have soil that expands with seasonal changes, statistics show that more than 25% of all buildings in the country experience some kind of structural damage during the first decade of their life, almost 10% of this being major and often irreversible.
It isn’t always about how reputable the builder is, in fact, the more reliable the builder the higher the chances are of them investing in warranty for the homes they have built. Years after a deal is signed, sealed and delivered, a matter like soil expansion that is out of the hands of both the parties can spring up, making Structural Warranty the only way to guard against massive expenditure out of your own pocket in the future. Studies show that the warranty is most often claimed 4 to 7 years after a home is built to completion.
The chances of an individual investing a sum as large as the cost of a home in anything else in his or her lifetime is very slim, making this purchase one that could develop complications if not done right. Builder’s offering Structural Warranty for the home they have built can not only assure the buyer of their expertise but also give them a legal document to go back to in case frivolous lawsuits or complaints are lodged. Like in the case of any two-way agreement, responsibilities, terms, and conditions are clearly outlined.
If a third party company is used to establish a warranty, then any complaints, disputes or discussions will be handled by them – until the point of reconciliation. This saves time and discomfort for both parties involved, especially the builder.
If you happen to be a builder with larger holdings or varied properties and houses, then the value of each building is sure to increase if Structural Warranty is added to the mix. Use it as a marketing strategy, one that is true to every word and will help you build lasting relationships with your clients.
Structural Warranty functions according to the guidelines of the Housing and Urban Development department of the US, which stipulates particular criteria within which a company must cover damages. Larger builders may choose to provide their own Structural Warranty schemes to the buyer, while builders without a department to handle such claims or smaller building agencies may choose to use third-party warranty companies. Even more so than Home Warranty claims and structures, Structural Warranty coverage and insurance backing vary drastically from builder to builder and company to company. If you happen to be a part of the decision making of who to choose, make sure you do your research and pick a coverage that is extensive and appropriate to your home.
If you go through a Structural Warranty contract or guide, you will notice one important point – the extremely specific and near legal language used to describe what that particular company or builder covers. Structural Warranty owes this specificity to regulations set by the Housing and Urban Development Department of the US, as well as to the builders’ need to protect themselves from futile claims and lawsuits.
Due to each Structural Warranty being unique (much like Home Warranties state-wise laws), we will get into what the warranty covers in general. Know that this isn’t ironclad, and you have to cross check the terms and conditions with your builder.
As a whole, third-party companies offer two kinds of warranty, one which accounts for any damage to the structure of the building from the moment the deal is closed between the builder and buyer. The second stipulates that the company will only begin to cover damage to the home 3 to 4 years post the sale, implying that any structural damage before then is up to the builder to fix.
Each company usually has a base plan and other additional perks that you can choose to opt for.
The basic coverage usually covers the following:
The last of these, load bearing partitions, are often accompanied by the additional coverage of non-load bearing partitions. These claims are almost purely cosmetic, and certain Structural Warranty companies do assure the fixing of these, keeping in mind the original material integrity of the home.
Integral to any warranty and insurance difference, Structural Warranty doesn’t cover any damage due to natural disaster, accidents or unforeseen circumstances; anything that is covered under insurance, basically.
Lastly, any structures added to the original home – an extension, outhouse and detached garage space for examples – would not be covered. If the need is felt, the builder could then purchase a separate Structural Home Improvement Warranty.
Individual state laws in the US tackle Structural Warranty in different ways, making the cost different in each state as well. On an average, if the basic warranty is purchased, then it shouldn’t cost more than 1% of the purchase cost of the home. In most states which are positioned in low-risk areas (minimal soil expansion, etc.), the price is only about half a percent of the home’s price, whereas in high-risk zones the price can go up to 1.5% to 2%.
When looked at it in terms of a median example, while Structural Warranty would cost anywhere between $500 and $1500 for ten years, the repair in case of structural damage could be between $50,000 and $100,000; Structural Warranty being about one percent of the estimated repair budget.
If you’re a resident of Oregon, this is an article you wouldn’t want to miss. Every homeowner worth his salt must be well informed about the best home warranty companies in the state they reside. Being a coastal state in the Pacific Northwest region, Oregon has a diverse landscape which makes it a very popular choice for potential home buyers. All the more reason why you should go through this article because who knows, you may settle down in Oregon one day!
As you know, our website hosts reviews from actual customers of home warranty products from across the country. These reviews form the basis on which various companies are ranked on our site. For your convenience, we also have a list of top ten home warranty companies in the country. And based on the reviews collected from the customers in Oregon, here’s a list of top home warranty providers in this region-
In more detail, here’s the list of top competitors.
Considered as the founder of the home warranty industry, American Home Shield, or AHS as it is commonly called, is a company that has over 40 years of experience. AHS has come to be a company that has a nationwide footprint with many customers praising its services. AHS claims that their plans are designed to help out homeowners, sellers, buyers and Realtors alike.
With plans that cover most appliances and systems in the home that too at compelling prices, AHS has garnered many rave reviews. On an average, a standard plan comes at an annual premium of $249-$500+ and the deductible per service visit charge ranges between $75-$125. AHS claims to have a massive contractor network with over 11,000 technicians who are selected after a stringent screening process. With positive reviews flowing in from all parts of the country, AHS rightly deserves to be called one of the best home warranty companies.
Serving across 49 states in the US, The Home Service Club (HSC) is yet another major player in the home warranty industry. HSC, like its counterparts, have designed plans that are suited to cover major appliances and systems in a home at affordable prices. The company believes that they are innovators who constantly come up with new ways to help improve customer satisfaction and the quality of the services they provide.
A standard plan offered by HSC costs around $400 and the deductible charged per service visit ranges between $75-$125. HSC is also one of the few companies that don’t mandate a home inspection prior to purchasing a warranty product from them. The company’s contract network is extensive and like most of their counterparts, HSC too has around the clock customer service facility and also an online claim submission feature.
Yet another tough competitor in the state of Oregon is Select Home Warranty or SHW for short. Select Home Warranty is headquartered in New Jersey and has quite an extensive coverage across the country. And like other companies on this list, SHW too takes pride in its massive contract network with over 10,000 carefully selected technicians.
For homeowners in Oregon, select has three main plans to offer. They come in varying levels of coverage and are priced between $299-$499. Service call fee per visit is on an average around $60. SHW does not place a restriction on the age or the size of the property to be covered, neither do they mandate a home inspection prior to signing the home warranty contract. This is a rare feature and it makes them all the more loved.
Landmark Home Warranty(LHW) is a company that provides services in the states of Arizona, Oregon, Idaho, Utah and Texas alone. Despite the lack of nationwide footprint, LHW has managed to garner rave reviews in states that operate in. They also offer pest control, re-keying and heater tune-up services in certain states.
LHW too provides plans that are designed to provide peace of mind to the homeowners. With most of major appliances and systems being covered, the plans come at reasonable prices, ranging between $425-$625. Deductibles too are charged nominally, at around $60 per service visit.
Home Security of America Home Warranty or just HSA Home warranty, is the final company on our list of top 5 companies in Oregon. With over 30 years of experience in home warranty sector, HSA has grown to become a popular choice among American Homeowners. Headquartered in Cross Plains, Wisconsin, HSA is a company that claims customer satisfaction is their prime area of focus.
Home warranty plans by HSA come in two variants each with varying levels of coverage and priced between $589-$619. The deductible per service visit charge ranges between $75-$100. The company also allows customers to customize and extend their coverage by adding items from a select list of add-ons. The annual premium would then vary based on the level of coverage picked by the customer.
What we have provided you is just a list based on the reviews that we have gathered on our site. There would be other companies in the local market who are equally commendable. So the only way to make a wise choice is by doing ample amount of research. Our site offers profound insights about various companies across the country. You could also take a look at the award winning home warranty companies to help with your decision. As always, we welcome your questions and would be more than happy to help you out. Cheers!