Home Warranty Claim Denials and Lack of Maintenance Issues

While appliance protection plans are always a wise purchase if your appliances are older than 4 years, you still have to make sure that you chose a home warranty company that has a good reputation. It has been noticed that companies sometimes deny our claims on vague grounds, often quoting fine print from the contract. One major such reason stated for denying claims is lack of maintenance.

More than a handful of customers have reported that their claims were denied stating that the device was badly maintained. While it is understandable that customers feel cheated, we still have to realize that since contracts explicitly mention that lack of maintenance issues are not covered, we can’t expect the company to repair such devices.

Claim Denials for Right ReasonsHome Warranty Claim

Let’s take a look at a story that happened sometime back. A lady bought a home warranty contract thinking that she’ll get some budget protection. Her appliances were well over 4 years old. She briefly breezed through the contract and assumed that except for damages due to hazards, thefts and some explicitly mentioned perils, every other damage was covered. One day, her radiator breaks down. She informs the home warranty company and they send a tech to take a look at the device.

The tech finds out that the device was never serviced for quite a bit of time which eventually led to its breakdown. He innocently reports to the same to our lady who gets mad at the tech and the company. The lady then decides to write about this incident on the internet without realizing that the fault could be on her part. She did not get her devices serviced nor did she read the contract carefully. The company’s reputation suffered due to her carelessness.

Claim Denials for Wrong Reasons

Now let’s take a look at another story. Yet another lady bought a home warranty contract from a company that was not really famous nor did it have a good reputation. She paid her premium and she was a good housekeeper who regularly got her appliances serviced. She turned to her warranty company when her refrigerator malfunctioned. This company then sends over a tech who diagnoses the issue to be one caused due to lack of maintenance. The lady was distraught. She was sure that the issue was something else but what choice did she have? The company in question here, operated without ethics and refused to repair a damage that was legit. This incident too leaves the lady furious and in a position where she would definitely bad mouth the company.

So you see, like a coin with two sides, the home appliance warranty industry too has a good side and a bad side. There are cases where genuine claims were denied just so that the company can make a profit and there were cases where the denial was genuine and the customer could just not accept it.

We understand that nobody wants to encounter such unpleasant experiences. We can’t make these warranty companies behave themselves, so what we can do is to make sure that we don’t associate ourselves with companies that have a bad reputation or are fraudulent.

Improve your Claim Approval Rates

Here’s a list of things you can do to avoid any disputes and conflicts

  • Always, we repeat ALWAYS pick a company that has a good reputation. Consider multiple options, read online reviews, talk to your friends and family, visit the company’s office if possible before you zero in on a company.
  • Never ignore the documents. Always read the policy booklet and the contract thoroughly. You can get someone to look at it as well, just to be on the safer side. Before you sign, make sure that you understand how the plan works and what is excluded and included in the coverage.
  • Pick a company that has a round the clock customer support.
  • Some companies recommend a home inspection prior to signing the contract. They do so, so that pre-existing issues can be detected. If the company does not conduct an inspection, it could be a potential problem. In future, they may deny your claim saying that it was a pre-existing issue. To save yourself, get your home inspected by a professional inspector even if the warranty company does not recommend one.

The bottom Line

We are a team of likeminded people who built HomeWarrantyReviews.com to provide genuine feedback about the industry to its customers, so we are not here to praise the industry or cover-up their mistakes. In the time that we spent here, which is over 9 years, we have come to realize the following:

  • Not all feedback and stories provided by customers are completely true
  • Not all companies are rip-offs
  • Most of the unpleasant incidents reported  occur due to a lack of understanding between the customer and the warranty company.
  • Fraudulent companies exist and one must practice caution so that they don’t end up being cheated.
  • Good experiences are often unreported.

If you keep all these points in mind, we’re sure that your experiences with the home warranty industry will be a pleasant one. Cheers!






Wondering how to start preparing for that perfect dinner you want to host? But your oven range refuses to listen to you. My cake is not baked the way it should have. Oh no! My turkey caught fire while in the oven. Does this sound like your problem?

All of us at some point of time face problems with these electronics. The oven range parts can malfunction and get irksome at times. There are different styles of ovens, including self-cleaning, convection ovens etc, and the style of your oven will determine how you care for it.

Most commonly noticed problems are the broiler elements, bake elements, thermostats, switches, control boards and knobs. Dealing with these issues is a part and parcel of life, but how to make your life simpler and use your oven range in best possible way. Here are some tips that are sure to help.

Tips to clean your oven:

Tips to clean your ovenMaking your oven range look clean and sparkling was never easy but these simple tips can save your time and give that desired look to your appliance. Maintenance of your appliance is crucial. Follow these guidelines for cleaning without damaging your oven surfaces.

  • Before cleaning any range or oven surface be sure the unit is off and completely cooled. Steam burns can occur if you wipe a hot surface with a wet cloth or sponge.
  • After cooking let your oven range cool down, then wipe grates and burner cap with damp sponge and dry thoroughly. Make a habit of wiping down the exterior surfaces with a damp sponge every time you wipe down the worktops.
  • To avoid damage to the oven use only non-abrasive cleanser than harsh chemicals.
  • If you think the dish you are baking may bubble over or drip then always place a drip pan, it will minimize  the efforts of cleaning it.
  • If you are going to fry something on your cooktop or a dish which might splatter then before cooking spread some aluminum foils on the top and make a hole near the burner and remove it once you are done.
  • Use the right sized pans for burners on the cooktop. Don’t put tiny pots and pans on big burners when you have the option of using a smaller burner for smaller pan.
  • Oven ranges may look simple, but they are complicated appliances therefore do not try to repair them on your own and better seek professional help when required.
  • Remember to replace the drip pans or bowls beneath the grates on a range/stove every two to three years as they undergo lots of wear and tear.

Step by step guide to cleaning your oven range                    cleaning oven

It is always advisable to clean your oven as and when you are done, it helps you to avoid those tough stains. They become a mess if left for longer.

  1. Most oven broiler pans are made of porcelain coated steel. Clean them with a non-abrasive cleanser to avoid damage.
  2. To loosen baked on food particles from your oven, place a bowl of boiling water into the oven and leave it closed for 15-20 minutes the steam will loosen up the particles making it easier to clean.
  3. You can use soapy water or a solution of sodium bicarbonate mixed in water to give a new shine to the burner tops / burner bowls.
  4. To clean the racks of your oven you can just put them into a dishwasher.
  5. If you have a self cleaning oven then nothing like it. But make sure to be extra careful as these have hidden heating elements underneath the oven floor and above the oven ceiling.
  6. If you have not paid enough attention then your oven goes poof !!! There are higher chances of fuse burn out.
  7. Once you have run the self-cleaning cycle, wipe away the ash residue with a damp sponge or a rag.

Home warranty and your oven range

A home warranty is a service contract, normally for one year, which helps protect homeowners against the cost of unexpected covered repairs or replacement on their major appliances that break down due to normal wear and tear. Coverage is for systems and appliances in good working order at the start of the contract. Please note that a manufacturers guarantee and home warranty are totally different.

Home warranty companies cover oven and ranges as the major appliances and it is applicable in case of wear and tear and accidental damages but any damages due to non maintenance of your appliance, the home warranty companies will not cover the charges.  oven with food

After a year of purchase its better to extend your warranty period. An extended warranty is a type of insurance policy that covers your household appliances beyond the manufacturer’s guarantee. If your oven/range breaks down due to a mechanical or electrical failure, the home appliance warranty will pay for repairs or a replacement.

Oven ranges are one of the most common appliances used at homes. Almost 90 percent of household use oven ranges in America. There are even double range oven selling in the market where you can cook two turkeys at a time to make your job even more easier. Replace worn out parts like bulb, knobs, and get your oven serviced once in awhile. Maintain your appliance well to fulfill your love for cooking and baking so that you can host more dinner parties and family gatherings without any distress.




At HomeWarrantyReviews.com, we strive harder to bring you honest articles that help you decide in buying home warranty plans from over 90+ companies listed with us and over 25 thousand reviews to skim through. This article is all about annual savings from home warranty plans.

Now given for a fact, all of us would like to have a great deal, be it on any day (not only on Memorial Day or Thanksgiving or Christmas, gotcha!). So we decided to help you make an informed decision and save you dollars which could obviously prolong and protect your budget for unforeseen circumstances.

Annual Savings From Home Warranty Plans

Here are ways to Estimate Home Maintenance Costs and it’s good to know Which Appliances Break Most Oftenwhen you plan to buy an optimal home warranty as per your needs. And we’ve also got a free get quote tool for you to know what’s best in your area. Why don’t you give it a spin!

Choosing The Right Home Warranty

From $70 being shelled out to a repair executive to the individual appliances consuming more than $200 at one go, you could save plenty of dollars if you knew how to choose the right Home Warranty Plan.

Firstly, a homeowner with a new place to crash doesn’t need a home warranty, you’re covered by the builder’s insurance policy for up to a year. Then there’s life expectancy for the new appliances, so you could safely assume that it’s not gonna burn a hole in your pocket for the first few years. The danger mark is when one approaches the 4 year tenure and upwards of it.

Secondly, assume that your home is over 12 years old and isn’t maintained at scheduled intervals (read it as faulty appliances, leaky pipeline, paint fading, shabby interiors, you get the picture!), then even if you have the most amazing home warranty plan on the planet, your claims could get rejected. Home warranty companies seek for schedules of maintenance and keep in mind that not everything is covered and that the service executive could also charge the deductible and not get the appliance working, crazy right? It’s more likely to boil down to the individual state of affairs and policy-to-policy variations. (Clauses, subclauses and more!).

If you’re not covered under a policy at this juncture, then the regular service executive charges something around $70 per hour, also keep in mind that you’ll be charged for extra hours. You’d definitely want to think if you want to repair the appliance or replace the appliance, most would stick to the later option.

Lastly, here lies the category of pivotal importance. The sweet spot of 4 to 10 years during which every homeowner must have a home warranty policy. Now, let me tell you why. Among all the claims, the most sought after one is the HVAC control system. The service costs can vary from as low as $80 to as high as $900, in extreme cases. The average costs hover within the price bracket of $200 to $400. And now this should get you thinking, if one appliance service repair is costing that much, then how about the remaining appliances in your home! We’ve still got the next sought after claim- water heaters, averaging again around $300 for each service repair, and adding more to the list are- swimming pools/spas, garage doors, plumbing, furnaces, washing machines, refrigerators, dishwashers and other miscellaneous appliances, which might potentially need a service. Thus, the individual average price of each appliance can shoot over $200 respectively. (That’s a Roadkill if you ask me!)

At this juncture, on a yearly basis, one can expect that at least two of the home appliances could breakdown & give you headaches which you never knew existed! Add to that the service executive’s cut, the cost of the replaced part and you’ll see yourself frowning. Whereas, the average price of one comprehensive home warranty policy is around $600, lesser than getting HVAC control system alone repaired on your own. But, if you choose wisely you’ll cover a lot of other appliances and potentially save a minimum of $1500 to $2000 in a given year. Isn’t that a pretty cool figure to save any day?

Home Warranty Benefits 

So this is why we’re all here folks, to know why Home Warranty plans are beneficial to us, in our day-to-day activities. Here’s a list of comprehensive pointers for us to ponder over-

  1. Protection against unexpected repair costs on home appliances
  2. Comprehensive protection covered in your neighborhood
  3. Expect high workmanship and professionalism, the best in business
  4. Just a call away to sort the issues at hand
  5. Most important appliances are covered in a standard policy
  6. Unlimited services and easy claim process for hassle-free operation
  7. Provides continuous protection by yearly renewals
  8. Attract first time buyers, if you plan to sell
  9. Amount of time saved can be greatly used for other activities
  10. Peace of mind for sure

Better Safe Than Sorry

The bottomline is, if you’re a homeowner falling under the 4 to 10 years age bracket, then home warranties are going to be most beneficial as elucidated. We would also urge you to search for best companies locally listed under your ZIP and find the right choice for a home warranty plan by comparing the different plans offered by top 10 companies. If you fall into other categories, fret not, and make an informed decision by checking out our extensive collection of reviews, get online, be in the know, it’s that simple! Internet is the information superhighway afterall. Happy home warranty hunting everyone!

 




When it comes to appliance warranty protection plans, the choices are plenty. Should you buy a comprehensive home warranty or extended warranty at the point of sale? While home warranty is like an umbrella insurance that covers all major home appliances, extended warranty is purchased for each appliance separately.

extended warranty

Home warranties will charge annual premium and deductibles per repair incident but they can be purchased anytime during the life-cycle of the product. Extended warranties will charge up front fees, but no deductible per incident and these protection plans are generally sold during the initial stages of product’s use, although there are exceptions.

Generally, home warranties cover all used appliances, but extended warranties cover new items only. Recently, Warranty Week ran an article that questioned whether there is an overlap between the two. They interviewed several executives from home warranty and extended warranty companies. The general consensus appears to be that, there is some overlap, however two types of warranties serve different purposes.

Mike Frosch, president of The Warranty Group, North America, said “Home warranties are great, when you’re buying or selling a house and want to cover used appliances immediately. Service contracts are great, when you’re shopping for new appliances and want to extend the manufacturer’s warranty for additional years. So in a sense, the coverage may overlap, but the offers don’t really compete. When you buy a home warranty, for the sake of argument let’s say it’s $450. It’s a one-year coverage on used equipment. It’s providing some coverage on some amount of appliances, but it’s really about heating, air conditioning, plumbing and electric”

In our view, they do overlap if you are talking about big ticket appliances, but there is no need to buy both. If you are buying a new appliance, chances of it failing in the first 3-5 years is far less assuming you have researched the product before buying. So, there is no real need for extended warranties.

However, if homeowners still want peace of mind coverage, then they should simply go with home warranty as it covers all appliances in your home not just one specific product. The home warranty costs are higher than the extended warranty, however it covers far more items and you have a single point of contact for all repair needs.

Extended warranty companies argue that they provide better service and offer more economic protection plans. The argument is compelling on the surface, but keep in mind home warranties are useful where there is frequent need for repair such as old appliances.

We wonder what would be the service level if extended warranty companies offer maintenance service of 10-15 years old appliances such as heaters and air conditioners. The repair needs are much higher and their profit margins are much lower. Generally extended warranties are bought for new electronics items and repair incidents are much lower. For this reason, we think it is a wise decision not to buy extended warranty at point of purchase.




A bathroom is one of the most important places at any home. A place to relax, rejuvenate and unwind. A clean and well maintained bathroom is a sign of physical and mental well being of a family.

With time the structure and appliances grow old and no longer have the same appeal. Chipped walls, dull sanitary ware, old flooring, leaky taps, rusted pipes can put you off. An old and dirty bathroom can be a big embarrassment. Does this sound like your situation? Do you think twice before answering when your guests ask, can I use your washroom?

Then its time for you to consider renovating it. Thoughtful re-designing can make it spacious and provide more storage. Renovation also adds value to your home if you plan to sell.

Options are endless when it comes to remodeling bathrooms as there is a wide scope for improvement. The combination of plumbing, electrical wiring, and decorating schemes packed into the smallest residential spaces create unique demand for its renewal.

If it needs to be restructured then everything has to be discarded and built from scratch. But if the layout is fine and the waterproofing is sound, then it will not cost you a fortune. A dramatic difference can be made by simply changing the color scheme, re-tiling over the old floor, replacing cabinets and sanitary ware. There are even  resurfacing products that can put a new surface over old colored tiles or chipped and outdated bathtubs.

What to Consider Before Starting a Bathroom Renovation?

Before you rush to speak to a  renovation company and ask for quotes, it is very important to do your research. The variety of  renovation options can be overwhelming including the infinite choices of baths, showers, toilets, taps, shower heads, tiles, paint colors, mirrors, splash backs, etc. The more determined and clear with ideas you are in what you require from your renovation, the more likely you will be of getting the one that you always wanted.

The secret to your dream bathroom is detailed specifications. While tabulating what you require, consider this questions.

  • The size of the structure.
  • What type of baths, showers, basins, vanities would you like? Which price point is best for you (mid range, top of the line, etc)?
  • The  fixtures that you would like. What types of taps, shower heads, etc?
  • The tiles, glass, mirrors and painting that you would like.

Now you have a foolproof plan of what exactly you want. Wondering what next? It might come in handy to consult your friends and relatives who have got renovation done from potential and reputed contractors. Do your research and be sure that you opt for the army of people you would want to hire to transform it.

How Much Does it cost to renovate a bathroom?

Typically  it would cost between $9,000 and $25,000 depending on a number of factors such as:

  • The size of space
  • Specifications of the work that is required.
  • The building materials that are used.
  • The choice of fittings such as taps, shower heads, etc.

The next step is to choose the sanitary wares and fixtures. If your existing ones are in decent condition then you can make them look new.

All you need to do is wash and scrub with an abrasive cleanser, Lime-A-Way. Then sand on them. The final stage is to paint. Mix the epoxy and paint with a brush and roller. Brush in one direction to make it spread evenly.

If they are way too old and ready to be discarded then yes it’s time for some shopping, but before heading to the store flip through the magazines and browse home improvement websites and get a firm idea about the fixtures, shower curtains, and sanitary wares you would need, it will save you time and costs.

Here are the essentials that you may have to buy:-                                                                        Bathroom Renovation

Bathtub

These come in a variety of styles with built-in shelves for condiments. You should be able to get a decent one for under $200. Check for the desired size.

Shower Curtain

Shower curtains and hangers set the mood of the whole washroom and its gets better when coordinated with towels. If  the area is small you should go with a lighter color and you can choose to experiment with different  kinds of fabric. You can choose vinyl, polyester, cotton, or other decorative textiles. Remember that vinyl and plastic shower curtains can be spot-cleaned while fabric curtains may need to be taken down and washed.

Toilet

Compared with other fixtures, toilets are not that expensive, but low-flush toilets are not cheap. Choose the one which will complement other sanitary-ware. You can also try a toilet tank water saver. This is a mechanism that fits in the toilet tank and only lets enough water in the tank to do the job. And it’s adjustable.

sinkSinks/ Faucets

Sinks/ faucets add elegance to the place, so pay more attention while choosing. It can be counter top, wall mounted or wall hung, above counter vessel types, pedestal, cast iron, integrated, freestanding, or self-rimming, and more. The  sink that you choose will determine the type of faucet and handles that you can install in the sink, so keep that in mind to assure that your faucet purchase is compatible with your  sink purchase.

To save money buy a water saver shower head. This can save you over 50% of the water and hot water costs for the same duration of shower.

Plumbing

Do not change the location of plumbing when working on low budget. Plumbing modifications requires bringing out the pipes from wall. After placement, you will have to do wall repair work. If new tiles were not in your mind, they will have to be then. Consider renovation in tight budget and forget plumbing modification. That means showers, tubs, toilets, and sinks should remain in the same position.

Floor

Linoleum: In a small or medium-sized washroom, changing the floor can be as easy as rolling out a section of beautifully-designed linoleum over the present floor and gluing it. If the present flooring is linoleum you can get a neutralizing agent to scrub the floor and then apply the mastic. The new linoleum will go down easily. Then install molding to hold down the edges.

Tile: This is also cheap and can go over other flooring. For small spaces it can be a do-it-yourself job but a handyman can do it quickly and cheaply. Big tiles can also be used on the walls from the floor to the ceiling for a royal look. You can also choose to have stick on tiles which can be stuck on any surface and look magnificent, moreover you can do it yourself.

Lighting

Usually the lighting is overhead and/or framing the mirror. This might take a couple of hundred bucks for an electrician but installing sconces on each side of the mirror will really give it a makeover.

Painting

It is the cheapest remodeling technique and usually one gallon of finish will do the job. Blue, Sea green, orange based on your preference and the advice of the contractor, you can choose the colors.

Mirrors

One beautifully framed mirror over a sink is more attractive than many surfaces covered with mirrors. These will enhance the looks of your washroom.

 after renovation

Before and after renovation

Wooden or bamboo accessories seem to have replaced the old fashioned steel racks. You should first look at the type of wood the racks are made of. Pine or oak can be strong, but be careful; they may form fungus when left wet.

Take advantage of space between wall studs by recessing a tall storage cabinet into the wall to maximize vertical storage while saving floor space. The cabinet should have an interior depth of at least three inches and a door flush with the wall.

When your it is completely renovated you can bring in one or two indoor plants like Boston fern, peace lily etc, which helps in cleaning the air. When your renovation is completely done then yes it’s time for indulgence. Enjoy your new bathroom.




So after years and years of saving, you have finally decided to go ahead and buy a home for yourself. It is a really good decision and let me congratulate you on that! Over the years, property has been considered as the best choice of investment mainly because it is scarce. Unless we humans decide to go ahead and colonize other planets, you can never make more land.

However, there are a few things (scratch that, there are quite a lot of things) that you must know before you throw in all your money into buying a house. If you want to be really thorough and wish to make no mistakes about buying a home, we suggest that you take a print out of this article and carry it with you until the moment where you actually own a house. You can use this as a checklist while you look around for the perfect house.

Assess your finances

This is the most significant detail. You must have sufficient savings that will see you through the purchase of your new home. Some people do have sufficient money to buy a house in cash, however this is not advised as it may become difficult if you need money for something unexpected. It is still your choice. Also keep in mind that purchasing a house will cost more than you planned. Be ready for it.

Decide the type of homeTen Things You Must Know Before You Buy a House

This is usually the most difficult part. You have to give a lot of attention to the kind of home you plan to purchase. If you get this decision wrong, you may end up with Buyer’s remorse. What’s the point in spending all you money on a house that doesn’t suit you needs and make you happy? While thinking about the kind of house you want, give importance to the following details

  • How big is your family?
  • What age are your children?
  • Do you want a flashy, posh home or a little country cottage?
  • Will you be required to commute a lot?
  • Are there necessary facilities like hospitals and schools nearby?
  • Is the neighborhood suited for your lifestyle?
  • Are you buying a home that you feel emotionally attached to even though it is not suited for you?
  • Do want a house that comes with expensive maintenance charges?
  • Finally, will the home you purchase make you and your family happy?

These questions may seem silly but trust us when we say this, a lot of people regret not asking themselves these questions before they purchased homes.

For instance, if you have a rather large family, buying a small house is a posh locale might not be the wisest choice for you. Likewise buying a rather large home somewhere in the outskirts of the city can be a headache if you have school going kids and if there are no no schools in the neighborhood. Hence, there are many factors that go into making a decision about what kind of home you want and also about the location.

If you are not used to the neighborhood in which you plan to buy a home, we suggest that you rent out a property there for a few months to get a deeper understanding of how life will be once you settle down there.Study the home thoroughly: So, you’ve gone through the first two steps and finally made a decision about which home you want to acquire.

  • The next wise step would be to talk to a few people, assess the value of the home and not just blindly believe the agent. Also, get a CMA ( Comparative Market Analysis) done on your home.
  • You may also want to visit the home at different times of the day to get a better understanding about the home and neighborhood. What seems like a quiet neighborhood during daytime may turn into a noisy, chaotic block by night.

Get your house inspectedhouse inspected

The importance of this step can never be overstated. There is no such thing as a perfect house. Each house is bound to have at least one defect. Hire a professional to find out what this is. Although this may cost you a little, it is much better that you spend money here rather than spending thousands on repairs later on.

Question the sellers

You simply can’t overlook this step. Ask them about everything related to the house. Ask about what problems the house has encountered over the years, ask for records of past improvements implemented, in short everything that you feel you must know.

Ask for bills

Ask for tax and other utility bills,as it would give you an idea about the monthly expenses that you are likely to incur,

Gather all the information you can

Go through newspaper records to ensure that the home is not tied up in any property feuds or worse, ghost-sightings. Although the latter is less likely, the former scenario may prove to be a headache.Talk to the neighbors. Get to know them as much as you can and gather maximum information. Find out if the neighborhood has an association and other relevant details.

Get a solicitor

A lot of stuff are easily overlooked by buyers owing to the pressures and worries they have while they are out house hunting. A solicitor eases your work by doing the necessary research and paperwork that will effectively reduce your load. If you don’t have a solicitor in mind, ask help from your friends and family. They could recommend someone for you.

Get yourself approved for a mortgage

Speak with a few people and consider a few options before you select a mortgage plan. Loan rates can appear appealing on paper, but once you are drawn into it, things may seem a lot different. Once you have decided on the mortgage plans, proceed with getting yourself approved for it.

Get everything written down

This is a logical step to follow to protect yourself. Get every part of the sale in writing. Proceed further only after you are sure that you have a thorough understanding of all the details. Certain terminology can confuse you, so you should either speak with an expert or learn all the jargons yourself.

If you have ticked off all the above mentioned points, It is safe for you to proceed with buying a house for yourself. Remember buying a home is not only a momentous step in your life it is also one that requires a lot of careful planning.

Once you purchase a home, you may want to consider buying a home service contract. As the first year after your purchase is a bad time for additional expenses to occur, it is highly recommended that you get an appliance warranty plan to protect your budget. A wide range of home warranty plans are available in the market today, you can read about our Quick guide for home warranty buyers for some help

We hope this article helped you and may we also wish a happy life ahead in your new home.




It is imperative to occasionally examine the overall condition of a home. Wear and tear as a consequence of age and weather crops up in every home, and it is sensible to take care of troubles before they show the way to costly and extensive repairs. Regular maintenance must be done to make sure that all is well in all parts of the home. This should particularly be the case to the extent that the exterior of the home is concerned because it is the outer surface of the home that is most subjected to wear and tear.

Preserve Your Gutter

The gutter is the channel fixed under or along the roof space for draining rainwater from a roof. Gutters in most cases are also called eaves trough, eaves spouts spouting and rainspouts. As they are sited at the exterior of the home their appropriate maintenance has a direct affect upon the overall look of the home. Maintaining gutters is not a tough task. One has to consider the serviceability that they are able to provide once they are free of everything that they need to be rid of. Gutters can easily become blocked with debris and leaves. Inspect and clear them in both spring and autumn. Clogged gutters can cause lawn and shrubbery, landscaping, foundation, walls, crawl spaces, basement and existing gutter system big damage. This is the reason why these troughs should be kept clean all the time.

Roof & Gutter Maintenance

Gutter with leaves

Gutter Safeguarding Tips

In maintaining gutters, it is vital to ensure that you have all the materials needed before starting the work. It is not desirable for you to discontinue in the middle of a task to search for a tool. The first step is to clean the gutters with a thin stiff-bristled brush. You can use a wallpaper brush to clear the debris when the gutters are dry. It is not wise to clear the gutters by washing out them with a garden hose. This might cause the downspout block. Gutters must be cleaned when they are dry, and the hose must be used to wash any remaining debris.

In order to prevent damage to the fascia on the eaves of your home, it’s important to have clean gutters and properly maintained.

Clean Gutters: Examine gutters frequently to ensure that they are clean, and get rid of any leaves or other debris.

Secure Gutters: To mend loose or sagging gutters, swap the gutter spiked with gutter screws, by a cordless drill. Gutters screws clutch much better than normal gutter spikes, offering support and security.

Seal Leaks: Make use of a hose to scrutinize the joints and seams for leaks. In order to fix a leaking joint, clear the area carefully and apply silicon chalk to fasten it.

Gutter Downspout

Downspout

Repair Downspouts: Ensure that the downspouts for gutters are clear of other debris and leaves, and that any joints fit together appropriately.

Water Runoff: Make sure that water coming out of downspouts is sidetracked away from home by means of splash blocks, a downspout extension, or irrigation pipe.

Prevention Is Better Than Cure

Those who want serviceable and nice-looking gutters for their homes are recommended to think about installing gutter screens, guards that avoid debris from entering the gutter. These devices also direct the course of water away from the house and into the ground. This way, the gutters will prove to be more of a blessing than a curse. Suitable maintenance of these devices will cause them to be really useful at the same time as adding a touch of style to the outside of the home which they form part of.

Comprehensive Roof Maintenance

Any homeowner knows that upon constructing a home, maintenance, repair and substitution of all types are bound to happen in the time to come. Your roofing is never an omission.

Still, as a homeowner, there are several guidelines that can help you keep your roof in a fine condition. Even if like the majority homeowners you are not sure doing the repairs yourself, your observation can help keep roofing costs to the minimum.

To judge the strength of a roof, check and inspect the surface area and create a list of insignificant conditions that need to be fixed. Repair or change unnecessary and broken roof tiles, throw away mildew and moss and clean the gutters when required. It is better, if you can check up the loft area.

Here are some other factors that need to be looked over:

Water tightness: More frequently than not, a roof is not waterproof. Though, the application of roof coating lessens the possibility of water leakage, it’s still important to mend the problem before applying a roof coating. Investigating the loft area is a good way to trace which areas may cause water leaks. Dark stained patches on wood shows water damage so better look for such types of patches. They are normally seen adjoining the nails, in the gaps or other materials that made up the roof. The increase of snow in the lower parts of the roof will probably cause water leakage.

Insulation: Standardized vapor barrier and an insulating material is used to frame ceiling insulation. This vapor barrier must be mounted in between the finishing material of the ceiling and the insulation so as to keep away from going through the loft as well as to avoid condensing the roof structure all through the winter. Probably, the vapor barrier must remain airtight, and all gaps in the pipes and cables ought to be covered.

Ventilation:  Suitable insulation and airflow of the loft aids air circulation inside the roof. Well organized ventilation will certainly reduce melting of snow in the lower areas of the roof. Thus, the probability of snow gathering during winter months will stop. Before improving the ventilation, it will be significant to ensure that all necessary proceedings are done to prevent warm air inside house.

A long-lasting and strong roof on your home is certainly essential to guard the people existing in it. Therefore, proper maintenance is vital to stop roof problems in the future.




If you have been planning to buy a house or you have already bought a house, realizing the importance of homeowners insurance is very important. Make sure you have adequate coverage. Studies reveal that approximately 20% of the Americans have cut back on their insurance costs to meet their other monthly financial obligations.

Home Insurance Premium

However, insurance coverage is one thing that should never be compromised upon. Your home insurance should be such that it should not only give you adequate coverage but it should also do justice to the amount you shell out as premium. And your premium should be within your reach. It is only when you find it difficult to make payments for the premium that the insurance policy appears to be a financial burden to you.

The ideal way to find the best quote for homeowners insurance  is to shop around. You can compare quotes online or talk to insurance carriers personally. There are many insurance carriers that offer different plans to meet the requirements of the consumers. You can try out these and after evaluating the pros and cons of the plan, should you buy your  insurance policy.

It is very important that you are not underinsured. If you save some cash now by staying underinsured, you may have to shell out just the double in case of a financial emergency or an unforeseen event.

Ways to cut down homeowners insurance costs

Instead of buying inadequate coverage for your homeowners insurance policy, there are many things you can do to cut down expenses related to your insurance policy in a reasonable manner. Given below are few measures you can take to reduce insurance costs.

  • Do not insure the land, insure your home – The land that is attached to your house isn’t prone to theft, fire or windstorms. So, don’t waste money by insuring the land too. Insure your house and its belongings instead.
  • Enhance safety and security measures – You can install safety devices such as safety alarms and burglar alarm to enhance the safety and security of your house. It reduces the insurance cost to a great extent. And you may also avail discounts up to 20%.
  • Review your policy once a year – You want to get adequate coverage. So, if you review or check your home insurance policy every year, you will be able to make the necessary changes and adjustments as needed.
  • Stick to a single insurer – If you have been with one insurance carrier for several years, your insurance carrier may extend special discount to you. Studies reveal that several insurance carriers offer approximately 5% discount to consumers who have been with the same insurance carrier for a period of 3 years or more. And if you have managed to continue with the same insurance carrier for a period of 6 years, you can as well be given a discount of 10%.
  • Make electronic payments – It has been observed that there are many insurance carriers that charge approximately USD$5 for sending payments by mail. The best way to make your insurance payment is to have your premium deducted directly from your account. So, try to make payments electronically.
  • Review your credit rating – Maintain a good credit rating and make sure you keep track of the same. Often insurance carriers allow you to enjoy better rates if you have a good credit rating,

So, when you have the above measures to keep your insurance cost down, it is not necessary to reduce the coverage to save costs.




HomeWarrantyReviews.com was recently invited to visit the offices of TotalProtect, a Cross Country Home Services company, in Sunrise, Florida. We sat down with company representatives to find out how a 30-year-old company remains on the cutting edge of service in this industry and how they continue to add value to their customers, including a new offering involving Nest Protect.

TotalProtect and its parent and sister companies have been in the home warranty business for nearly three decades. In that time they have built a network of more than 40,000 qualified local service professionals. And, it’s no small feat for a company of their size to have maintained an A to A- rating with the Better Business Bureau. But what the company has done up to now was only part of the story we heard there. The coming attractions are remarkable, and for homeowners some of those changes in TotalProtect’s offerings may be game changers.

Totalprotect Home Warranty office

TotalProtect’s values are written right on the walls of their customer service center in Sunrise, FL

 

Our readers are always looking to better understand the companies that provide home service contracts in the U.S.  What would you like them to know about Cross Country Home Services & TotalProtect in order to distinguish your companies from others?

TotalProtect – A few things make us different. First, we’ve been around a long time.

We also stand out on the size of our service network. We have recruited thousands of qualified, local professionals so we can to be there when you need us.

One of the best benefits we offer is our 180-Day Guarantee on repairs – three times as long as most other home warranties. We are committed to fixing your problem right the first time, and if it’s not right, we’ll be there for 6 months to save you the hassle of repeated costs on the same problem. That’s how confident we are in the quality of our workmanship.

During the past few years several companies have gone out of business or been sanctioned by various states’ attorney generals for deceptive trade practices, how can a consumer have confidence in CCHS? How do they know you’ll be around?

TotalProtect – It’s understandable that homeowners would have concerns about the industry. To address those, again we’d point out how long we’ve been in business. Then, look at our record. Unlike other large home warranty companies, we have never had an attorney general’s sanction, we are consistently A or A- rated by the Better Business Bureau (also better than most service companies), and customers rate us well on review sites like yours.

Beyond that, we are always pushing ourselves to get better. We survey every customer after a claim to learn what we did well and what we didn’t. That feedback is shared with our agents and our service providers. If we make a mistake, we make it right and learn from it.

Total Protect Quote

We also acknowledge that in the social media age, both our successes and our mistakes are public. But we don’t believe a trustworthy company should rush to delete a negative review.  Instead, we acknowledge problems and have a team specifically dedicated to resolving those issues.  People are trying to make an educated decision and deserve the whole picture.

Claims processing can be a frustrating process.   At HomeWarrantyReviews.com we hear many complaints about claims and with respect to the industry in general. According to our users who write reviews, some companies are very easy to reach when purchasing the policy but impossible to reach when a claim needs to be made. How do you handle your claims and what process could a customer expect to go through when they have something break?

TotalProtect – Our customers can always reach us for assistance. We have agents available in our Florida and South Carolina call centers 24/7/365 for you to report a claim. We also have an easy-to-use website, placemyclaim.com, for those who prefer to go online, whether that’s desktop, mobile or tablet.  And, we’re currently working on a new, improved mobile claims site design.

Your new Nest Protect offering was exciting!  With the smoke and CO alarm you’re helping homeowners with a critically important aspect of home safety.  Do you have any plans to offer other, similar services in the future?

TotalProtect – We’re always looking for ways to provide a broader array of home protection services. And, we know that home safety is an important issue for everyone. We believe the Nest family of products offer smart ways for homeowners to extend protection beyond the warranty. Plus, it’s an easy way to begin building a more thoughtful, tech-savvy home.

We gave away 50 Nest Protect smoke and carbon monoxide alarms during Fire Prevention Week, October 4-10. The National Fire Protection Association encourages you to “hear it beep where you sleep” by putting an alarm in every bedroom. We want to help spread that message.

Nest Protect Remote Home System Demonstration

Nest Protect Remote Home System

 

Nest Protect sends alerts to your phone in case you’re not home. With the Nest app, you can hush false alarms from your phone or tablet.This type of remote home systems control seems to be the direction every modern amenity in the home is heading toward.  With that in mind, is Cross Country Home Services seeing a lot of its customers using mobile devices to make payments, renew contracts, file claims and follow up on the status of claims?

TotalProtect – Absolutely, we see more customers shop, buy and use us via tablets and smart phones. In the future we’ll be offering even more options for managing your account and claims online, with the goal of making those services mobile-friendly as well.

Web connected smoke detection, carbon monoxide, intrusion alarms and other home automation devices are just a few parts of the new “web connected home.” With so many of your customers relying on your company for emergency repairs to the HVAC system do you think the web connected thermostat or other automation devices will become an important part of that aspect of your services?

TotalProtect – Yes. As home automation grows, so will the need for related services like installation and repair – not just for the connected home devices, but for the appliances and systems monitored by those devices. We will be there to provide those services.

We at HomeWarrantyReviews.com would like to thank Cross Country Home Services and TotalProtect for the kind invitation and for sharing with our readers.  Readers who would like to know more about available Nest Protect offers can visit totalprotect.com/nest for more information.

To know more about Total Protect service plans and to get a free quote, please check out Total Protect’s listing on our website.




Hello there! You have landed at the right place if you want to find out as much as you can about Home Warranties. Let’s not tarry, we’ll tell you all that you need to know about Home Warranty or Appliance Warranty.

About Home Warranty

Home Warranty sounds like a great way to protect yourself from financial strains incurred during repairs and replacements of your household appliances.  You have to understand that Home Warranty is not the same as Homeowner’s Insurance nor does it replace a Homeowner’s Insurance. There are a lot of things you need to consider before you purchase Appliance Warranty.

Understanding Home Warranty

Appliance Warranty is a kind of insurance that you purchase for covering the major appliances and systems in your home. It is a contract between the homeowner and the insurance company stating that it agrees to provide discounted repairs and replacements for insured devices, provided certain conditions are true.

The Homeowner’s Insurance covers damages caused due to crimes, natural hazards and water damage also to some extent. Whereas the Appliance Warranty Insurance covers damages that are caused due to regular wear and tear. Almost all your major appliances and systems are covered. You can purchase additional coverage if you wish.

Now let’s move on to the specifics.

Coverage

Here’s the list of components that are commonly covered in standard plans. This is only a basic idea, you will have to read your contract to find out exact details about coverage.

Air conditioning Plumbing stoppages Telephone system
Telephone wiring Plumbing system Electrical system
Attic and exhaust fans Sump pump Instant Hot Water dispenser
Refrigerator. Toilets Built-in-trash compactor
Central heating system Hot water pump Built-in-dishwasher
Heating and duct work Bathroom whirlpool motor pump Cooktops
Built-in-microwave Water heater Doorbells
Smoke detectors Ceiling fans Garbage disposal
Range hood Oven Humidifier

Here’s another list that tells you about the components that are usually omitted from basic coverage. However, as mentioned before you can always purchase additional coverage.

Faucet repairs Spa or pools Hot tubs
Hauling away debris Hauling away old devices Outdoor sprinklers
Outdoor water systems Combo ceiling fans Second Air conditioner
Second freezer/ fridge Food spoilage Ice maker & wine cooler
Well pump Central vacuum Limited roof leak
Septic system Septic tank pumping Standalone freezer
Home entertainment Office package Central AC unit
Washing machine. Heating system Additional spa

Benefits

The advantages of purchasing a Home Warranty insurance are many. If your appliances are fairly old (over 4 years) the chances are that you may reap many benefits from an Appliance Warranty plan.

The prominent advantages are as follows

  • Protects your budget by covering for costs incurred due to repairs and replacements.
  • It saves you the effort of looking for an experienced and trustworthy contractor to repair your broken device.
  • When you inform the Insurance company about the malfunction, they will send a qualified technician to your doorstep.
  • If the issue is minor, the technician shall fix it right away.
  • If parts need to be replaced, the Insurance company shall place the order and procure them for you. You may not have to pay for this.
  • Depending on your coverage, your device will be replaced with a brand new one if the technician declares that your broken device cannot be fixed.
  • Covers damages caused due to regular wear and tear.
  • Increases value of your property during sale.
  • Provides on-going home protection. Your plan can be renewed each year.
  • Provides you a stress free life by giving you guarantee that if a household appliance crashes, your budget will not have to suffer much.

Costs

Appliance warranty plans costs around a few hundred dollars per year. They are not that expensive unless you are looking for a plan that has extensive coverage. These are the things that you will have to pay for.

Annual premium

It is often between $400 – $1000. This can vary depending upon the coverage you choose.

Variations

The cost of premium does not vary depending on the age of the house unless it is a brand new one.  Also, unless the area of the property is above 5000 square feet, the premium will not vary much.

Deductible

In addition to the premium, you will be expected to pay a service charge often called as the Deductible, each time you raise an issue. The amount for this is usually around $50.

Technicians fee

A technician shall be sent over to your house to evaluate and repair the damages. The fee for the technician must be paid by you as well. In certain cases, more than one technician may have to inspect your device, in that case you may have to pay separate fee for each contractor. You will have to pay the Technicians fee irrespective of whether the repair was performed or not.

How does it work?

The working is very simple. Every time you approach the Insurance company with a service request, they will take down details and request you to pay the deductible. These Insurance companies often maintain business ties with vendors/contractors in the appliance repair industry. So when you request for a service, the Insurance company in turn calls up a contractor and places your request with him. The contractor then calls you up to fix an appointment and later comes to your home.

Once he arrives, he will examine your damaged device and fix the issues if they are minor. If major repairs are needed, the Technician informs the insurance company and requests approval. If they are approved, the technician will perform them and fix your appliance.

In certain cases, appliances may need replacement of individual parts. If this happens the insurance company will procure them for you and send it along with a technician to fix the device. In certain other cases, the technician may declare that your device cannot be repaired. The insurance company will then replace your broken device with a brand new one. This feature depends on the Insurance plan you purchased.

Things to keep in mind

As much as it looks appealing, it is not a perfect arrangement. Home Warranties do have a few drawbacks although they can be resolved.

  1. The warranty company will always try to repair and not replace your damaged appliance.
  2. Appliances that crash due to lack of maintenance are not covered. Pre-existing conditions are also not covered.
  3. You will still have to pay a service call fee per repair incident, even if the Tech could not repair the appliance. Also, you cannot raise multiple issues in a single claim. If at all you do so, you will have to pay separate deductibles for each issue.
  4. Claims are sometimes denied on unclear grounds and also by quoting fine print from the contract which is usually overlooked by the customers.
  5. It is not suited if your appliances are new and in fairly good condition. If you won’t need frequent repairs, this may seem like a waste of money.

Get the best out of Home Warranty

This is easier than you think. All you have to do is ensure that you do the following.

  • Read the policy booklet and Insurance contract thoroughly. Do not ignore content written in small font sizes either. You can have someone look at it if you wish.
  • Choose companies that comes with excellent recommendations. There are quite a few companies out there that are not very reputed. Make sure that the company you pick has a good and clean record.
  • Get you major appliances serviced once a year. This will ensure that you don’t have to spend lots of money later on repairs. Lack of maintenance causes several issues and such issues are not covered by Appliance warranty.
  • To be on the safer side, check with the records of the Better Business Bureau (BBB) to ensure that the company you are considering does not have a bad history.
  • Check the cancellation and renewal clauses. Some companies do not allow termination of contract before a certain period of time. This could be slightly annoying in some cases.
  • If you have a contractor that you trust, speak with him to know if he has tie-ups with any Home Warranty Companies so that you may continue to avail his services.
  • If you ever find yourself unsatisfied with the service you are getting, do not keep that to yourself. You must spread the word through the internet and various social media. You can also retaliate by posting comments and reviews through websites like ours. www.homewarrantyreviews.com

Home warranties are a great way to insure your household appliances. They often prove to be highly helpful in protecting the budget when an appliance breaks down. If your appliances are over four years old, it is suggested that you purchase an appliance warranty plan. It is also suggested that you get your home inspected before you purchase Appliance Warranty.




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.

Insurance Landlord needs

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.

Essential Insurance for Landlords

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:

Get a Home Warranty

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

Landlord House Insurance

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.

  • Security System– If you set up a right security system that can sense fires or thieves, then you can find a reduced rate on your insurance policy.
  • Increase Deductible– You can ensure to pay a lower amount for your insurance plan by increasing your deductible payment. The deductible is the payment that you are required to pay once you make a claim on your insurance plan. Make sure that you find a good deductible rate for yourself.
  • Remove Potential Hazards– If you stay in an area that is bounded by trees then likely you have a high risk of a fire occurring. By clearing the trees you may be able to save money on the insurance. Based on the circumstances you may have to shell out a higher premium for your contents house insurance.
  • Find the Right Lender– The best way to save money on your landlord house insurance is to gaze around. Start a search online and hunt for different companies that provide reasonable insurance for your home. You can obtain free online quotes for house insurance from different companies but make sure that you get comprehensive quotes for your insurance. Get the details of the coverage and don’t be fooled by any company as the offer really low prices because they normally have high deductibles and bad coverage.

Landlords Contents Insurance

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.

Umbrella Insurance Policy

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.

  • Rentals– Though you carry an independent fire policy for each home, umbrella insurance can help you protect in case your tenant or tenant’s guest are injured on a rental property.
  • Vacant land-Your vacant land can be used by neighborhood children to play. If one is hurt it could result in an expensive lawsuit. In such situation, umbrella insurance can offer additional coverage.

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.




Mar 5, 2012 – Direct Energy confirmed that it has finalized an acquisition of Home Warranty of America (HWA), a chief supplier of home protection plans, giving it operating capabilities and licenses to provide household protection plans across United States.

Direct Energy

Direct Energy, one of the North American’s major competitive energy and energy-related service providers has over six million customer relationships in Canada and United States. The company was founded in Toronto in 1986 as an energy retailer and in the year 2000, it was acquired by Centrica, the UK based parent of British energy retailer British Gas.

The contract gives Direct Energy both authorizations and capabilities in all 50 states to provide protection plans to millions of US household seeking to save their projects in opposition to pricey breakdowns. This potential, along with the currently acquired operations of Clockwork Home Services, offers ability to sell protection plans nationwide and provide service coverage.

Home Warranty of America (HWA) makes us unique in that we can now provide competitively priced protection plans to our customers across the US home services market,” said Eddy Collier, President of Direct Energy Services. “We can also service their needs directly through our strong consumer brands of One Hour, Benjamin Franklin and Mr. Sparky, which build on the national network of HWA contractors already in place and providing excellent service.”

“Importantly, HWA also provides us with the systems and operations to offer protection plans and services to our residential energy customers,” added Collier.  “The potential for cross-sell opportunities further complements our North American strategy for growth.”

In 2010, Direct Energy had already acquired Clockwork Home Services which is a Sarasota, Fl.-based home services company, thereby establishing itself as the biggest home services company providing plumbing, HVAC and electrical services across 46 U.S states and Canada. Earlier 2010, Direct Energy said that it is shifting its headquarters from Toronto, Canada to Houston, but more than 2000 workers already work in Texas. Being a part of the entire value chain, right from sourcing to supplying to energy efficient products and services, Direct Energy is able to offer its consumers with steadiness and added value.

About Direct Energy Direct Energy is one of the North America’s leading energy-related services provider that offers customers with option and support in managing their energy expenses through a collection of products and services. Direct Energy functions in 46 states plus DC and 10 regions in Canada. To find out more about Direct Energy, visit www.directenergy.com




When you compare “promise contracts”, such as home warranties, you must first comprehend exactly what is being assured. You can then evaluate attributes. Fraction of the research should also be aimed at comparing customer’s ratings of the companies that offer the warranties.

Comparing home warranty companies facilitates you to find the policy that suits your budget and needs. A home warranty is an individual policy you can procure to provide coverage for your home’s important appliances and systems. The precise prices and coverage obtainable to you varies by each home warranty company functioning in your area, so comparing the exact rates and services from each company is a significant step when picking a policy for your home.

When buying a home warranty, you are not only giving capital to the supplier, you are also giving your belief that they are going to cover you when you need it most. That’s why it’s so imperative to verify into a company’s history, see how they function and what they ought to offer, plus learn how they entertain their customers. It’s worth exploring before you purchase.

Six Steps to Choose a Home Appliance Warranty

  1. Determine the Coverage: Jot down the kind of coverage you need. Include exact items you want to be covered. Electrical systems and plumbing are typically covered under a basic home warranty, but you have to shell out for coverage for some other main appliances such as spa or garage door opener.
  2. Shortlist companies:  Visit Compare Home Warranties section to make a list of companies that you like. You can also check with your friends and family members or with a local real estate agent for a list of suggested home warranty providers.
  3. Research Providers and Pricing: Note down the pricing and ratings info for each company. You can also get price estimate of appliance warranty policy in the same section. Visit the official website of each warranty company if you desire.  Jot down the overall annual price for your preferred policy from each company.
  4. Talk to Companies: Contact home warranty company and inquire more about pricing information and a quote if the information isn’t available online or to verify data you received online. Ask how much fee they charge for a service call, and make a note of prices for each company next to policy price information you already listed. Ask about the typical wait times for a technician to know if there will be someone available promptly to help you when you need it. Also inquire if emergency and 24-hour service is available. Observe how they handle their customers.
  5. Read the Fine Print: Evaluate policy and service fee prices as well as service terms offered in the contract. Don’t assume anything. Pre-existing conditions are generally not covered. Few companies also require you to get maintenance & inspection done on HVAC units by a professional every year. But some  companies add lots of fine print clauses so as to exclude coverage on many things. This is the MOST important step among all.
  6. Customer Service: Finally, remember to check the customer service of the company you choose. When you call to inquire, observe how they treat you. Are they well mannered and kind or intolerant and impolite? Do you have to waste a lot of time on hold before getting through to speak to someone? Realize what their hours so you can make out whether there be someone accessible to help you when you call for it. Also, discover who the company employs for repairs. Ensure it’s a company individual you are happy with, and that they are near enough that they will be able to facilitate your repairs in a timely manner.

This video will help you compare home warranty companies.




Adding to a long list of home warranty companies which have entered the home service contract space only to quickly exit, Stanley Warranty announced recently that the company is immediately terminating its services.  Visitors to Stanley’s website see this message:

Stanley Warranty

The company’s closing may come as little surprise to those who are aware of last year’s announcement of an investigation into the new company’s business practices.  In June 2015 New Jersey’s Division of Consumer Affairs announced that it had filed a complaint against Stanley Warranty, LLC, alleging that the company had committed acts contrary to its contractual commitments to its customers.  Among the state’s specific complaints against the company were alleged offenses that specifically involved Stanley’s home service contract customers.  Stanley also operated a business unit which provided consumers with extended service agreements for motor vehicles, commonly called auto warranties.

Here’s a quick analysis that we can provide to readers seeking more information about Stanley Warranty’s abrupt closure and the precedences set by other companies that pulled this same move in recent years. Come back to HomeWarrantyReviews.com for updates as we learn more about the fallout from Stanley Warranty’s announcement.

This Isn’t The First Time That A Home Warranty Company Has Gone Belly Up

Like Sensible Home Warranty did in 2014 when it closed shop, Stanley provided no apparent warning to their customers that pre-paid services would not be provided, though at this time it’s still unclear to HomeWarrantyReviews.com whether the company contacted customers via telephone or postal mail prior to closing its doors.  It’s also not known yet whether Stanley’s failure to uphold its commitment to any pre-paid customers will compound the company’s problems with New Jersey’s consumer agency.

Another company in the home warranty space that closed its doors in 2014, Colonial Home Warranty, sought bankruptcy protection.  Through bankruptcy, the company appears to have been able to escape financial responsibility for unfulfilled service contracts and repair bills from their contractors.  Whether or not Stanley Warranty will seek similar protection is not clear at this time.

The Signs Were All Over The Place That Stanley Warranty Was Trouble

Reviews for Stanley Warranty, also known as Stanley Safe Club, here on HomeWarrantyReviews.com are almost entirely negative.  The reviews reflect an apparent trend of the company not honoring its promises to customers or contractors who performed repairs on its behalf.  Many of the worst reviews mention repair contractors pursuing payments from the homeowners after Stanley Warranty failed to fulfill its duty to make those payments in a timely manner.

On its Better Business Bureau page, Stanley Warranty already had an F rating prior to the announcement of its cessation of services to its customers.  On Yelp, a recent review includes a comment about a refund check from the company to the customer, who had canceled services ahead of the expiration of the contract period, being denied due to insufficient funds.  That review was created in December of 2015, leading to the obvious question whether or not Stanley was insolvent well before it closed its doors in 2016.  Interestingly, reading past reviews on Yelp leads you to at least one claim in 2014 that Stanley Warranty had announced on its company website that it was closing.  And no matter how far back in time a reader travels on Yelp, the story seems to be consistently poor, one unhappy customer after another.

Perhaps the most insulting element of this story is that Stanley Warranty sold its service contracts with a promise of zero service fees.  Anyone familiar with the home service contract industry knows that most companies charge a fee, paid by the customer to the service provider, at the time of a service call.  For a company to offer competitive rates with no service fees is a pretty compelling deal for consumers.  And many of the consumers lured in by that deal are now left with every required repair being paid entirely out of their own pockets, despite having paid well in advance for home service contracts from this company.

What Happens Next May Not Be Good For Stanley Warranty’s Pre-Paid Customers

The home warranty industry has a history of companies like Stanley Warranty popping in and out of the space and taking loads of customers’ money out the door when the companies fold or burning up the money received from customers through mismanagement and unhedged risks.  Consumers who have been buying home warranties for years probably recognize some of the company names, ones like Arkidus, Sensible Home Warranty, Colonial Home Warranty, and  Certified Warranties Corporation.  All of these companies have something in common.  They sold home service contracts right up until the day they shut the office lights off and locked the doors.  

This may be the single biggest black eye that the home warranty industry has received in the last decade, and it just keeps happening.  As if companies being able to enter an industry that is so much like insurance, often undetected by the state agencies that regulate their industry, improperly funded, and perhaps even criminally intent on defrauding their customers is not enough, the end result of the companies is consumers left with financial losses sometimes amounting to thousands of dollars in service contract fees paid in advance.  All too often the regulators in the states where the customers live are powerless to retrieve those customers’ funds, and even when bankruptcy courts are involved the individual consumer is usually out of luck when liquidated assets are divided up among registered claimants.

In a nutshell, the chance of Stanley Warranty’s customers seeing refunds is very, very slim.  It’s quite likely that this story will end the same way it did for customers of Sensible Home Warranty in 2014 when that company disappeared overnight.  But that should not stop consumers willing to do whatever they can to seek justice.  Readers who wish to pursue legal action should immediately seek advice from an attorney, preferably one with experience with defunct service contract companies.

What’s A Nice Homeowner To Do?

If there’s any worthwhile piece of advice we can give to our readers who are shopping for a home warranty company it’s this:

Do your homework!  Despite it not always being easy to do, consumers must research companies in the home service contract space before making a purchase.  Here’s an example of the kind of detailed reporting available to consumers trying to evaluate the financial health of companies selling home service contracts in the United States.  That article by Warranty Week is an excellent resource.  Keep in mind that if the home warranty company you choose is using its sales to finance its claims then you can probably count on two things happening.  One, the company will do whatever it can to avoid paying your claims.  Two, the company will eventually get into hot water and close up quickly in order to try to avoid the owners bearing personal responsibility for the actions of the company.

Be safe out there.  And if you are a Stanley Warranty customer who would like to share information with other readers in the same boat as you then please share your story in the comments section below.




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.

Green Advantage Warranty

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.




Here’s a funny pictorial story that gives a peek into how does a Home Warranty work. Mr.Fox here is our friend who purchased a home service contract. His beloved washing machine crashed one day while the contract was still valid.

How Does a Home Warranty Work

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Now, back to the story.

Mr. Fox had an appliance warranty, so he did not have to

  • Look for a technician
  • Pay for repairs
  • Carry the device to a service center
  • Do the repairs himself

Mr. Fox simply called the home warranty company who in turn called up a service contractor with whom they maintain business ties. The warranty company sent a technician to Mr. Fox’s home to take a look at the appliance. The tech fixed the issue right there as it was a minor problem. You see, if the problem was big and if parts needed to be replaced, the tech would have had to wait for the approval of the warranty company before doing it.

Once the problem was fixed, the tech collected the service call fee and departed his way. Mr. Fox lived happily ever after resting assured that if his appliances crashed, he would always have his home warranty company to rely on!

The end




Real estate transactions are always approached with caution. They often involve large amounts of money so being careful is a wise step. Having a skilled real estate agent may help you a lot in achieving a deal that’s perfect for you, especially if you are new to real estate dealings. But the questions is, how do you choose a real estate agent that suits your needs?

Irrespective of whether you are a buyer or a seller, there are certain things that you can do to ensure that your real estate agent is quite good. You can ask your friends and relatives in case if they have used the services of a real estate agent before for referrals.

Pick The Best Real Estate Agent

How To Pick The Best Real Estate Agent

 

But before you decide about an agent, understand why exactly do you need an agent. There are many benefits of hiring a real estate agent.

  • Saves a lot of time and energy
  • Negotiation skills of a real estate agent could come handy
  • Better access to the buying/selling population

So our checklist for picking the right real estate agent involves doing the following things-

#1. Credentials

Some say that like doctors, real estate agents too have specializations. A certified real estate agent often belongs to any of the three categories-

  • Certified Residential Specialist (CRS)
  • Accredited Buyer’s Representative (ABR)
  • Seniors Real Estate Specialist (SRES)

Also, if an agent calls himself a Realtor, it could mean that he/she is a member of the National Association of Realtors (NAR). Based on what your requirement is – buying, selling or renting, pick an agent with the right credential.

#2. License

Check with your state’s regulatory body to find out whether the agent you have in mind has a license to be a real estate agent or not. Most states have a board from whom practicing real estate agents are expected to obtain a license. This board also oversees the discipline of such agents. Such a regulatory body would be the best place to find out if there are any existing complaints, disciplinary actions or lawsuits against a certain real estate agent or not. This information could be available online.

#3. Tenure In The Business

This information can be obtained from the regulatory board in your state. The state licensing authority often gives more precise answers than the agents themselves. As you want someone who’s on top of their game, an agent who has not been active in the last few years may not be a good choice.

Keep in mind that you want someone who is familiar with your target location and price range. Someone with a bad market presence may not be a good choice.

#4. Listings

These days most agents have a website through which they invite in potential clients and also display their current listings. If you are a seller, you should be ware that most buyers begin with the Internet. So you want someone who makes use of the Internet effectively, as being web savvy definitely has its advantages.

If the real estate agent’s website has a database of current listings and its details, it is definitely a good sign.

#5. References

If a real estate agent is good, he/she would’ve closed many deals and would have many clients who recommend them strongly. The greater the number of closings, greater is the agent’s experience. Make sure that you call up most of the references provided by the real estate agent. Clients are often the best people to give you feedback.

Do Your Research

While we have given you really cool tips, we strongly suggest that you do ample research before you pick an agent. Ideally, meet several real estate agents and shortlist the ones that meet all the above mentioned pointers. You can then pick one from that list. If you are a seller, we would also like to remind you that offering a home warranty with your home may increase the sales price of your property. And if you are a buyer, if a property comes with home warranty, it could mean that your budget could stay protected if major appliances and systems require repairs.

We hope you found this article useful. Do let us know what you think. Cheers!




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.

Top tips for Structural Warranty for Newly constructed homes

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.

What is Structural Warranty?

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.

Is Structural Warranty Necessary for me as a Buyer?

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 Builder’s Perspective

Settling Terms of the Deal

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.

A Middleman

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.

Value of the Home

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.

How Structural Warranty Works

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.

What Structural Warranty Covers

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:

  • Beams, Pillars, and Columns
  • Girders and Lintels
  • Foundation of the home
  • Masonry arches
  • Roof beams, and framing systems
  • Flooring
  • Walls and partitions that bear the load and contribute to the building’s structural validity.

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.

The Cost

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.

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There is no question that a large number of people would give anything to live in California. This is one of the greatest states in the US because no other location in the entire country has ever been able to become the capital of entertainment and dreams. The state that has given life to the largest phenomenon in the entertainment industry and that is of course Hollywood. This is one of the main reasons why so many people choose to move to this state. In this article we are going to talk about the top five warranty companies and how important it is to be able to hire their services if you want to get the best service. These are the top rated home warranty companies in California as of June 2015

1. The Home Service Club

This is a great company that has an excellent service with two main warranty plans available. They have the standard and comprehensive plans. Once covers the primary systems and appliances and the other covers basically everything in your household. The reviews are generally very good and their services are known to be very efficient. They have fewer plans than others, but their current plans are quite good.

2. American Home Shield

This is the company that basically founded the home warranty industry. They offer a wide variety of home warranty plans that have a wide range of costs that can fit most budgets. The general opinion in the reviews about this company are quite good, so you can definitely trust their services to be good. They have been in the business longer than anyone else and they have learned how to get things done properly.

Home Warranty Companies in California

3. Home Warranty of America

This is another company that has been providing excellent services to millions of Americans in every state of the country. They have been providing some of the most cost effective plans that are available in the industry. The reviews for the business are very positive and their customer service is their greatest strength. This is one of the companies with the largest reach in the country.

4. Select Home Warranty

This company has plans that truly fit all kinds of budgets and they give coverage to all sorts of properties and the repairs and replacement that might be needed for their homes. This is the main reason why so many reviewers are saying that this is the home warranty service.

5. Total Protect

There is no question that customer services is the most important thing that the staff at Total Project wants to be able to provide to all of their clients. They have a very special method of helping with home warranties by giving homeowners better tools in order to maintain their own homes much better. The reviews say that this is the one company that seems to get involved the most and this is the reason why they have gained so much respect in the business. The reviews are generally quite positive too.

Conclusion

There is nothing more important than being able to get the right kind of service when it comes to your home warranty. This is going to allow you to maintain your home in top condition at all times for a very reasonable cost. The use of this kind of service has become extremely popular in California and now you have plenty of choices that will allow you to decide which one is going to be the best decision. You can research all of the companies that we have just mentioned and decide which one will be best for your needs.

To view a complete list of top rated home warranty companies use the link below: