Extended warranty sometimes also called as a maintenance or service agreement, is a prolonged warranty given to customers who wish to insure their fairly new devices. They are not always provided by the manufacturer and are usually procured along with or as and when the manufacturer’s warranty expires.
Such extended service agreements are often purchased for gadgets and appliances that don’t come under Home warranty. Eg. laptops, TV, desktop computers. They can be purchased over an existing manufacturer’s warranty so that damages due to accidents are also covered. They cover repairs and replacements of the insured device for a fixed period of time, which is usually around 2-3 years.
If you are wondering whether you need an extended appliance protection plans or not, consider this –
You have a reasonably new device which cost you a lot. It is still covered by it’s manufacturer’s warranty but you are not certain if that will be enough. You fear that accidental damages may occur and you cannot afford to repair or replace the device if it happens. If this is what is going through your head, we recommend that you purchase an extended warranty.
There are quite a few advantages that make you want to consider buying an extended appliance protection plans. Here are a few of them:
Although, the advantages may seem great, some experts have the opinion that extended warranty is a waste of money. This is because a decent appliance/gadget manufactured by a reputable company stands very little chance to fail in the first 2 years. It has been noted that retailers make huge profits from extended protection plans as very few consumers claim them.
Also, when it comes to electronic gadgets, it sometimes makes more sense in replacing it with a new one rather than repairing the damaged one. These days you can get a DVD player for around $30, so why then would you spend $20 repairing your damaged DVD player?
Technology is advancing at a very fast pace, unless your device is precious and expensive, we suggest that you think twice and explore a few options before you purchase extended warranty.
You may want to look at the repair rates of the various gadgets in the first 3 years of their lives and then decide if you need to go for an extended protection plan. However, the same cannot be said of Home Warranty, which is always recommended for most homes.
If you feel you don’t need an extended warranty as your appliances are 4+ years old, the best option for you would be a Home Warranty. Find out more about Home Warranty and Home Warranty Companies!
Source: CBS News
While you consider purchasing an extended warranty, ensure that you contemplate on all the points that follow.
Make sure that you know how the plan works. Read through the terms and conditions mentioned in both the contract as well as the policy booklet. Understand what damages are covered and what damages are omitted.
All extended warranties do not have the same duration of coverage. The term can vary anywhere between 6 months to 3 years. Be clear on this.
Beware of this one. In certain cases you will have to ship your damaged gadget to some other location. If this happens you will have to pay the shipping charges. Not only this, there could be several cases where you will have to spend extra money in addition to the amount you pay for availing the warranty. You can speak to the retailer to clear any doubts you have regarding this.
A lot of warranty companies are out there that sell extended warranty. Sometimes it makes sense to consider a few options before you jump into a decision and purchase extended warranty from the retailer. Some companies offer plans that cover a group of devices instead of a single device. These may be much more profitable that purchasing one warranty for a single gadget.
Before you purchase an extended warranty, check with the bank issuing your credit card to know if you are automatically entitled to an extended warranty if you make a purchase with the card. In certain cases, platinum and gold cards offer this feature to customers.
Getting an extended warranty is not a bad idea. However we urge you to go through everything carefully before you purchase an extended warranty from the retailer. Extended warranties, like we said are only for a single appliance/gadget. While they are not pricey as such, sometimes, for homeowners with ageing appliances find Home Warranty plans more ideal. They are affordable and cover a host of appliances and not just a single one. If you think, an appliance warranty plan is what you need, take a look at the top 10 home warranty companies in the U.S.A. Good luck!
HomeWarrantyReviews.com is dedicated to providing our readers the best and most complete source of real, honest reviews and ratings of home warranty companies. Our reviews come from real homeowners who have firsthand experience with the home warranty companies, not paid writers who only evaluate the companies that pay for advertising. We are the largest, and longest standing source of objective testimonials about home warranties on the Internet.
Home warranties, also called home service contracts, cover the cost of repairs in the home. These contracts also provide homeowners with prescreened contractors, something that is very valuable to anyone with a broken appliance or major systems such as air conditioning or heating. Through reviews on our website readers can really get a feel for the service they might expect from certain companies. But what else can be learned from reading our reviews? Quite a lot actually. For one, you just might learn which covered appliances and systems break down most often.
Recently we asked our team to tell us what appliances are mentioned most often in our reviews. This is a good question, since reviewers on this website usually include some information about their recent repair claims. Here’s what we found out.
We started with 11,000 reviews. We chose words that relate easily to specific appliances and system components. Words like “air” would most often relate to air conditioning. Words like “dishwasher” are even easier to correlate to a specific home appliance. The list also included words like “furnace.” In the end, we had a list of 15 terms that we wanted to look for in those 11,000 reviews. The results were not so surprising.
According to our research, the HVAC system is mentioned in 72% of reviews! Does this mean that you have a greater risk of your HVAC system breaking down than any other appliance or system in your home? No, not at all. What it does mean though is that homeowners who use home warranties and who take the time to review those companies on our website are using those contracts to repair central heating and cooling systems quite often. And that can lead to some inferences that might help you if you’re in the market for a home warranty.
What about dishwashers? Those appliances get used daily in the average home. You might assume that dishwashers would be a pretty commonly reported appliance. The numbers we looked at told a different story though. Only 3% of the reviews we used for this study contained the word “dishwasher.”
Roughly 9% of reviews reported problems with the home’s water heater. Another 2% had trouble with ovens. When you look at ovens, water heaters and dishwashers, those three appliances only account for 14% of reviews. Compare that with HVAC units and you can see what a huge difference there is between that one, a single category of repairs and all the others. While this is not enough data to base a conclusion on, it would seem that anyone who purchases a home warranty and who has an HVAC system should make sure that the HVAC coverage is very good and that the company has a good history of covering HVAC repair claims.
Among the final 14% of reviews, there were many other items listed including furnaces (3% of reviews,) clothes dryers (2% of reviews,) and plumbing, which appeared in 5% of reviews. The remaining 4% of reviews had a range of different appliances listed, including microwaves, both installed and free standing.
The main thing we’d like readers to take away from our findings is that reviewers overwhelmingly described problems with HVAC systems and other cooling and heating systems. No other single category even came close to stacking up next to these major systems. And that makes sense. No other system is worked harder, particularly in homes that experience very hot and very cold seasons. For you, as a reader, this might mean that you should seriously consider opting for a home warranty that covers your heating and cooling system, versus one that only covers the appliances in your home. But there’s a bit more to consider. Having coverage is great, but having good coverage is much better. It doesn’t help you at all to have a home warranty if your claim is denied. To choose a company with a good history of approving claims you need to do your homework. And to do that you should read reviews here on our website until you feel confident you’ve found the best company for the most reasonable price.
So, you have decided to purchase a warranty that’s going to protect your budget against unexpected repairs and replacements of your household devices. It is a wise step, but you might also want to know about the options you have when you buy warranties. We bring you the list of the most common types of warranties that are purchased to cover household appliances.
Warranties can differ based on several criteria. The age of appliances, age of the home, current conditions of the device are all significant factors that you must consider before you zero in on a household appliance protection plan.
The working is pretty much the same for all these plans. When a device cracks, you inform the folks from whom you purchased the warranty and then they send over a technician to fix the damaged device. You will pay a service call charge each time you raise an issue. And, you can’t report multiple issues in a single call.
Before we go into all that, we have to tell you that the Homeowner’s insurance is something that is not included in this article. It is an entirely different plan and if you wish, you can read about the differences between Homeowner’s insurance and Home warranty.
Let’s begin with the list
We bet that you have definitely heard about this one! This is also the most widely used plan. The Home Warranty also called as the Appliance Warranty/ Appliance protection plans ( it is known by quite a number of names, would take sometime to list them all out) is a service contract that agrees to offer discounted repairs and replacements of your household appliances.
This plan is ideally suited for customers whose appliances are over 4 years. Appliance protection plan covers damages that result due to regular wear and tear, so if you have brand new devices, chances are that you won’t need frequent repairs.
Also, this is not a free of cost arrangement. As a matter of fact, none of the plans discussed here are free. They do cost money, but the amount is nominal as compared to how much you will be paying if you had to carry out the repairs and replacements by yourself.
Home warranties cover almost all the major appliances and systems in your home. They don’t cover the outdoor devices like sprinklers and all that. Read your policy document to get a better idea. You can also read a brief description about the appliances that are covered.
If you think that this is the ideal plan for you, we suggest that you read more about Home Warranty before you make a move.
This too is a familiar name. It is the kind of warranty that the appliance’s manufacturer provides for a limited period of time. Meaning that when you purchase a brand new appliance, the manufacturer’s warranty agrees to repair/ replace your device if something happens to it during the stated warranty period. The time frame changes from manufacturer to manufacturer. The average is often 1 year.
This warranty is a kind of legal binding. If they displease you by not honoring the conditions mentioned in the warranty contract, you can sue them.
Most new gadgets come with a manufacturer’s warranty, even if you buy them online, you can get the manufacturer’s warranty. Major appliances like HVAC units come with longer warranty periods. But keep in mind that the coverage doesn’t remain the same thoughout the warranty period. From second year on-wards, you will be paying for the repair service as the coverage becomes limited to certain parts alone.
You can’t use a Home Warranty to cover a device that is already covered by it’s manufacturer’s warranty. As stated before, Home warranty is for devices that are old, used and no longer covered by the manufacturer’s warranty.
Also called as the dealer’s warranty, and is the warranty that is provided by the seller of the device. This is a very short duration warranty, usually around 6 months and if a defect occurs within the stated time, you have to take the gadget to that particular seller itself and no one else. It is not a very flexible and easy plan, but it is definitely better than no warranty at all.
This is the kind of warranty that gives you the choice to extend the manufacturer’s warranty as and when it expires. These are ideal for the devices that are not covered under the Home Warranty plans eg., TV, Laptops, etc.
You can’t avail extended warranty on used and old devices. They can only be taken for fairly new gadgets whose manufacturer’s warranty expired recently.
These are third party service contracts, often provided by the seller or repair vendors. The costs vary widely as these contracts are usually given by local yet licensed service vendors. The coverage also varies so it is difficult to give much details about this type of warranty.
Speak with a few vendors and compare with the other options you have.
Getting the best
Do your research to get the best out of Appliance warranties. Always ensure that you chose a reputable company. You can also check with the Better Business Bureau to ensure that the company you chose has a clean record. Friends and family can also recommend good companies for you.
Remember, any kind of warranty, if chosen wisely can benefit you immensely by protecting your budget and also by giving you peace of mind.
Small is beautiful! And practical, and trouble-free, too! Many of us live in a small home, a small room, or just a small space. Some people live in a small apartment or home as they just don’t want a large home and want to “downsize”. Try this 7 wonderful space saving ideas to make a small home look bigger.
No matter what your cause for living in a small space, you will certainly have to make some adjustments in your decorating, get really structured, and make some compromises to your standard of living so as to make everything fit and not feel overcrowded. Home improvement need not be an expensive project
Many of us have extra necessary stuff than we could put up in our apartment and at the same time to save adequate space for pleasant living. Small houses often have insufficient amount of storage space available. This makes a problem when it comes to removing clutter since items that need a cabinet, drawer or other storage end up sitting out in the room. Obviously small houses have less space but it is possible to get rid of shrinking effect of mess with some approaches to make more space. That’s why here come some interesting solutions that could be convenient for small rooms.
The main idea of this article is to let you know about the clever use of all the available spaces, while making sure that your home looks spectacular.
1. Lighting Tricks
Any room will seem larger if it’s well lit, either by artificial lighting or natural light. Get rid of table and floor lamps as it can occupy the extra space you have. If possible try to make use of track lighting as an alternative. However, closets are one place where you must include lighting. That way, making a room look larger, will free up an unexpected amount of space.
Shelving can be helpful. Bookshelves may be too heavy and that is why the free flowing shelves must be opted for. These shelves can be eye-catching (“invisible shelves” made of glass) and can hold knick-knacks, figurines, books and pretty much other things also.
3. Create Flexible Rooms
You should learn to use every inch of space you have. Your living room can double as an entertainment area and a family room, provided you make good use of a wall unit. Your stereo, television and video games can go into the unit, thereby leaving lot of room for seating. In addition, you can also find way to merge your dining room and kitchen in an appealing and economic way.
4. Space Saving Kitchens
The kitchens in the apartments are generally smaller than houses which make it difficult to deal with. The worst part is that once you cook, there are dishes and figuring out how to find space and time to wash them can become a huge task. Downsizing in the kitchen can be useful, particularly when you are trying to share space with a dining room. For example, you can set up a cozy, small bistro area instead of an actual dining room. If you can follow downsizing to a mini- fridge then can be helpful. You can even hang a plastic shoe holder in which smaller boxes and cans can easily be stored.
5. Use Space Saving Furniture with Storage
The kind of furniture you use to equip your apartment matters as well. They can be not only functional but must also look very stylish and modern. For example, you might have an armoire which is large piece of furniture and also versatile. Besides, having ample of room for storage, it can also go almost anywhere in your home. Furniture such as an ottoman that can double as something else and has a storage unit in the middle is also a good idea.
6. Cheat Your Storage Space
The most difficult thing to do in most of the apartments is to find space for storage. You just require cheating with what you have. Along with utilizing the closet space, you can store some things under your couch, chairs or bed. Moreover, you can also allot bureau drawers as storage spaces.
7. Cutting Clutter
Still, there are some items for which you might not be able to make room in a small house. In case you have not used them in a year or cannot store, cut ties. That’s in fact a hard rule for eliminating things when your space is limited. By downsizing the unnecessary and erroneous items in your life, you will be astonished at how much room is left over!
Thankfully, there are many ways to save space in even the smallest houses, homes or apartments. These clever and easy ways help in both saving space and making use of storage options you may not recognize you had. Expectantly, now you have some renovating ideas that will aid you take the necessary steps to make your cozy apartment a spacious home.
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.
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.
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
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 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.
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 tax and other utility bills,as it would give you an idea about the monthly expenses that you are likely to incur,
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.
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.
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.
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.
For many of us, the idea behind a home and having our personalized space and groove is indisputably linked to having access to our own kitchen. A service and task from your daily routine which hotels and resorts pride themselves in taking care of for you, there is still a joy in waking up to your own perfectly made cup of tea and eggs. In fact, it has become a space of coming together, from homes that cater to large families with grandparents and children to even bachelor pads for the studying and working young adults.
The lack of time that a working mother of two or a student cramming late nights at the library can give to the kitchen has not necessarily cut down on the use of it. Instead, the focus has become how to renovate and modify a kitchen in the best possible way, how to make multitasking a possibility and how best to utilize the space at hand it make tasks both quick and fun. Efficiency supersedes all else, closely followed by cooking as a community activity – making open kitchens the top trend of the twenty-first century.
When starting work on a brand new kitchen or renovating an old one, getting down on paper (and even just feeding in quick pointers on phone apps like Evernote, Google Keep, and Wunderlist), a clear idea of its layout and maximizing the space utilization is the first step. Even though each individual’s usage of a kitchen is subjective, the primary modes of functioning do remain the same.
If a kitchen renovation and remodel is in the books for the near future, there is little doubt that the words ‘Golden Triangle’ have come your way. A technique that is often used by interior designers and architects as the starting point for drawing out plans, the concept of the kitchen work triangle has a lot of subjective routes you can choose to take, best suited for your needs.
The plan fundamentally starts with the placement of three key elements and their positioning – the cooktop, the sink and wash area, and the refrigerator. As efficiency takes the front seat, it’s ideal to be able to reach one from the other without any obstructions.
Originally worked out in the mid-twentieth century, the Golden Triangle is applied using four essential rules:
Why should a rule established almost a century ago still hold value in today’s changing view of a home and kitchen? Well, for starters, the rules are all about simple space and design and are built to accommodate key kitchen appliances efficiently. Secondly, the rule has been modified by designers along the way to accommodate for newer additions to the kitchen – microwaves, ovens, mixers, dishwashers and even coffee makers for example.
A key addition has been the addition of a second triangle, creating a secondary layout for appliances that are used less than the cooktop and sink but are essential to daily routines. The second triangle accommodates for a dishwasher and dryer, microwave and one often used plug-in appliance.
Try and narrow down the issues you face in your present kitchen format. A spill when you move a hot pot of stew to the side to cool off or draining spaghetti in a sink that is too far. Look at the little things, the cupboard corner that you stub your toe on every so often or the burnt butter before you reach for seasoning from your refrigerator. Though planning is a part of the cooking process, a pre-planned kitchen layout can shorten the entire procedure.
If it’s a remodel you are working towards, a good way to start is by assessing the present kitchen triangle and its shortcomings. Measure it through and see if it serves its purpose. Each kitchen layout and size will call for a different triangle, but it is key that nothing intersects or protrudes and the lines remain clear and accessible from all sides. Even a trash can or breakfast island and stools can be a major obstruction even if they are slightly out of place.
Look at the Golden Triangle as less of a rule and more of a guide or suggestion. Feel free to make changes, especially in a way to suit the space you are working with. In fact, many studio apartments have kitchens set up on single walls, making triangles impossible and yet making accessibility and measurements key.
Outside of the triangle or its semblance, a few simple pointers of putting the dishwasher next to the sink, cooktop utensils close to the stove and serving dishes and cutlery closer to the table can create a balance between tasks. Splitting the actual cooking from the serving and consequent clean up can help declutter the space.
Besides the efficiency of usage, safety plays a large part in how a kitchen is designed as well. Regulations have been set down regarding minimal requirements for distances between cooktops, ovens and sinks, as well as for ventilation and windows and where they should be placed.
The stove and oven have to be placed at a distance of at least 2 feet from the sink, with a distance of 2 feet 6 inches above it for ventilation. Ideally, the main door and cabinet doors shouldn’t open onto the cooktop either.
As a precaution for fire, a chimney above a cooktop is great but a window can be counterproductive. Air blowing in can extinguish the existing flame and cause an unidentified gas leak, as well as blow a large flame and cause other objects to catch fire.
As an extension to your renovation plans, a kitchen’s functionality depends on its appliances to a great extent. That being said, maintenance of appliances can be a hard thing to keep track off, and the prices do tend to increase with time.
Whether you plan on retaining old appliances or purchasing new ones, a Home Warranty as an extension to the existing warranty of the appliances is a good idea. While insurance covers unforeseen circumstances, Home Warranty looks at daily wear and tear of systems and appliances of the house, allowing you to claim repairs and replacements when required. In fact, most companies provide you with repairmen as well, cutting your involvement to a very small percentage both in terms of time and expenditure.
If you aren’t sure about investing in a warranty, HomeWarrantyReviews.com gives you access to a simple Home Maintenance Calculator. Feed in information about your home and in under a minute you’ll have estimates of maintenance costs down the years with and without a Home Warranty in place.
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.
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.
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.
So, when you have the above measures to keep your insurance cost down, it is not necessary to reduce the coverage to save costs.
Recently, there was an interesting review posted at AHS warranty discussions page about dealing with insurance claims. The legal option suggested by the reviewer might be useful to some homeowners, who have difficulties dealing with home warranty insurance claims.
It is not practical and cost effective to take legal route to pursue your insurance claims and you may want to read How to pursue insurance claims article before you go that path. However, if you are fighting an insurance claim on a big ticket item, and you have exhausted all other options, this is definitely an effective strategy. Author of this post himself was an attorney and he effectively used the legal threat to beat the home warranty company.
Here is the excerpt:
I have discovered how aggrieved homeowners can turn the tables on home warranty companies and beat them at their own game. Please share this with everyone you know.
I’m an attorney and after having a problem with my home warranty company, American Home Shield, I decided to investigate whether other homeowners had experienced the same or a similar problem. What I found were web sites devoted to consumer complaints on which numerous homeowners had recounted incidents of fraud, deception, and rip-offs by their home warranty company. I also found a blog written by a former American Home Shield employee and another written by a former plumber for a home warranty company. Both recounted situations that would not pass the “smell test” in a court of law.
I also investigated lawsuits that had been filed against American Home Shield in Georgia, which is where I live. I found about 15 cases. The majority of cases had been filed in small claims court. As I reviewed the cases, I discovered that none of the cases had been litigated. In every instance, the case had been settled to the Plaintiff’s satisfaction although the details of each settlement were not part of the case file. With the knowledge that all cases had been settled to the homeowners’ satisfaction, I realized that American Home Shield would settle with an aggrieved homeowner before allowing a case to go to trial. My conclusion is that the only thing aggrieved homeowners need to do to beat home warranty companies at their own game is to file suit. The last thing American Home Shield wants to do is litigate a homeowner’s claim and the reasons are obvious to me.
The most obvious reason American Home Shield would not want to litigate a claim is that in most instances, the cost to American Home Shield to settle a claim would be less than the cost to litigate. The average amount of a claim in the cases I found was $3,800.00. Two were for less than $1,000.00 and only one was for more than $10,000.00. I’m sure far more than the 15 homeowners who have filed lawsuits in Georgia have had their claims denied. American Home Shield wins when a claim is denied and the homeowner does not sue, which is exactly what American Home Shield is counting on homeowners not doing.
Another reason American Home Shield does not want to litigate is because the company does not want to have to defend its craftily drafted contract or its questionable business practices, which is exactly what it would have to do if a case went to trial. American Home Shield also does not want such information to become public knowledge, which is also likely to happen. Additionally, a judge or a jury would also be hard pressed to return a verdict favorable to a company that engages in questionable business practices.
The final reason American Home Shield does not want to litigate is because a lawsuit actually places American Home Shield in a precarious situation. American Home Shield would have a difficult time defending any claim by a homeowner because the company has no first hand knowledge about the claim; it would need the testimony of the service contractor who, for its own reasons, may be less than eager to testify. The only knowledge American Home Shield has is what the company has been told by the service contractor. And any testimony from American Home Shield about what it was told by the service contractor is hearsay and not admissible in court.
To defend a claim, American Home Shield would need to subpoena the service contractor who actually made the diagnosis to testify about the claim. If the homeowner has done his/her homework, he/she would subpoena witnesses who could dispute the witnesses for American Home Shield. The homeowner should subpoena one or more service companies who had been called either for a second opinion or to make the actual repairs to dispute the testimony of the American Home Shield service contractor. The homeowner might also consider locating one or more other aggrieved homeowners to testify about their problem with American Home Shield. Another good witnesses for the homeowner to subpoena would be a former service contractor for the home warranty company or a former employee of a service contractor.
Since American Home Shield has at least three significant reasons why it does not want to litigate, the best and easiest way an aggrieved homeowner can beat American Home Shield at their own game (and most likely any other home warranty company) is to file suit. The one thing for an aggrieved homeowner to keep in mind is that if he/she does not sue, the home warranty company will win. But if he/she sues, the homeowner will most likely win. And that is how an aggrieved homeowner can beat American Home Shield at their own game.
My advice to aggrieved homeowners is not to stress over a denied claim, the denial of a situation as an emergency, repeated “band-aid repairs,” or a delay in authorization or in the repair of an item. I would also advise a homeowner not to waste time arguing with American Home Shield but to set a reasonable deadline for the appropriate action. Upon expiration of the deadline without receiving satisfaction from American Home Shield, the homeowner should then proceed as if they did not have a home warranty and then sue American Home Shield for reimbursement. The homeowner should also remember to document every action or inaction by both himself/herself and American Home Shield. Although the disadvantage to the homeowner is initially having to pay for the repairs, the advantage is that the homeowner can choose the service contractor and the brands and quality of products. I won’t guarantee all aggrieved homeowners will prevail every time but I have good reason to believe most aggrieved homeowners will prevail the majority of time.
For aggrieved homeowners whose claims were denied at sometime in the past, you may still be able to sue for reimbursement. To make that determination, the homeowner needs to research the statute of limitation for suing on a contract in their state. In any event, a homeowner should be safe filing suit for a claim that was denied during the past twelve (12) months.
Within the next six months, instead of reading homeowner’s stories about being scammed and ripped off by their home warranty company, I want to read stories about how homeowners turned the tables and beat their home warranty company at their own game.
If anyone has any questions, I can be contacted at [email protected]
The leading real estate portal Angie’s list has released its annual list of best and worst rated companies based on member surveys. Home Warranty companies topped Most Complained List for 3rd Straight Year. Thirty-eight percent of the reports for home warranty companies were “F” grades. In addition, architects, structural engineering and solar panel companies made the bottom ten for the second year in a row. Angie’s List collected nearly 300,000 reports in 2007 from members who graded service companies on overall experience, price, quality, responsiveness and punctuality.
Here is the list. Visit Angie Hicks Blog to read the complete article Angie’s List Top 10 worst grade earners:
1. Warranty companies
2. Home builders
3. Furniture sales
4. Internet service providers
6. Structural engineering
7. Solar panels
8. Taxi/Shuttle service
9. Entertainment/party services
Angie’s List Top 10 best grade earners:
2. Dog walkers
3. Piano tuning
4. Animal training
6. Hair salons/barbers
7. Upholstery cleaning services
8. Animal/house sitters
9. Window cleaners
10. Lighting services
A home warranty sounds like it is a great form of monetary security against unexpected, expensive home repairs. But you should understand what is covered in a “standard” home service contract. When you are buying a home, there is possibility that you were provided with a home warranty by the seller and you assumed that it will take care of all repairs inside your home. But there are some items NOT covered in a home warranty.
Basics of home warranty –
The best answer to this can be found by evaluating your specific contract or by reviewing an on-line contract sample.
Basic coverage includes:
Because coverage differs from policy to policy and from state to state, request to see a sample copy of a policy before you commit.
As discussed above, the contract covers only those parts, systems and appliances that are mentioned as covered and excludes all others. Remember you can always pay extra premium to cover these items before you sign the contract.
However, for items such as washer/dryer, kitchen refrigerator, air conditioning, spa equipment, pool and roof leak repair, additional or optional coverage are available for an extra fee at the time of contract. Verify your contract to check which optional coverage, if any, were paid for.
A home warranty is neither similar nor it is a replacement for homeowners insurance. Homeowners insurance policy covers major unforeseeable events such as fires, theft, property crimes, hail and certain types of water damage that could have an effect on the homeowner’s personal possessions and the entire structure. A home warranty does not cover these hazards but it covers particular components of the home. It covers regular wear and tear defects which may include an older air conditioner break down or requiring certain parts changed in spite of you have kept up with needed maintenance. In simplest terms, a home warranty is an additional coverage for the items in your home which might initially have been covered by a manufacturer’s or builder’s warranty.
When you purchase a home warranty, you are principally signing a service contract. The contract provides for low-priced repair and replacement service on a number of home’s major appliances. Most plans have a basic component that offers all the homeowners who pay for a policy with certain coverages. The contract will spell out which appliances it’ll cover, how much is required to pay per occurrence and what is not covered. For instance, structural aspects of your home are not covered. So if your roof falls down, that would be covered by homeowner’s insurance. In case your water heater leaks, the water heater would be covered but the consequent water damage would be homeowner’s insurance issue. Homeowners are also allowed to procure one or more optional components that give additional coverage at additional cost.
They are quite inexpensive, usually ranging from $259 to $400, based on coverage. Home warranty companies every now and then run special discount policy prices or special sales or provide additional coverage for the same price. The policies are prepaid for a year in advance, at which time they run out or can be renewed.
Though specific plans offer for definite types of coverage, most operate in the same way.
Watch this video to know how home warranty works –
As all plans differ, you are required to ask specifically what is covered. Inquire with your real estate agent if upgrades are available. Make sure that whether the home warranty company will pay for your repairs to make certain types of appliances or systems compliant with new regulations. Pay close attention and read the home warranty contract cautiously to know the coverage, limitations and exclusions.
Home warranties may be procured by individuals buying a new or used home, landowner, and persons selling their homes or investors. Each company’s coverage is decided by the terms of its contact, but basic home warranties usually cover the parts and labor on or replacement of chief home systems and equipment.
What’s covered? Most home warranty firms provide a variety of plans, all offering different levels of coverage, so be sure to study the details of any contract before procuring. Even if you decide to renew the contract from your year-to-year, double check the details of your plan as the coverage can change yearly.
Here is a common idea of what a homeowner can wait for to find in each tier of service.
A home warranty is not an ideal solution to the risks homeowners face. Before buying one, it’s important that the homeowners read the home warranty contract and consider whether the warranty is probable to pay off. Home sellers who want to provide a warranty to buyers and homeowners or buyers who feel more relaxed having a home warranty should also do extensive research to get a reputable home warranty company that will in fact pay for legal genuine repairs when they are required.
Other home warranty tips –
Here is a list of most read articles about home warranty on our site. Enjoy your reading and provide us your feedback!
Home Appliance Warranty Plans – What is appliance protection plan and how does it help homeowners
Extended Home Appliance Warranty – Things you should consider before buying an extended appliance warranty policy.
FAQs on home warranty plans – This section covers most frequently asked questions about the protection plan
Five Types of Appliance Protection Plans – Covers various kinds of warranties such as appliance warranty, manufacturers warranty, extended warranty, sellers warranty, home service contract etc.
How to choose a home appliance warranty plan – This article explains how to choose a home warranty plan and the service provider company.
Is home warranty necessary for buyers and sellers – Explains if home warranty is needed for sellers as well as buyers.
Average appliance repair costs – Provides a list of average appliance repair occurance percentages to help you decide whether you need to participate in a home warranty program.
Home warranty quotes – Home warranty quotes, coupons and deals
Is home warranty really an insurance? – Not necessarily. This articles explains why you cannot bank on home warranty for all your repair and replacement needs.
Home maintenance Tips – How to take better care of your sweet home
How to pursue insurance claims – How to pursue a claim when the service provider company is acting tough on your claim.
An Open Letter to Home Warranty Industry – An open letter written by someone who worked in the home warranty industry for a long time. Author provides an insightful view of the industry. The views and opinions expressed are author’s own.
On April 20th, 2015, Orlando Utilities Commission(OUC), one of the largest municipal utilities in the country along with American Water, a leading water and wastewater utility company, announced that they will be teaming up to sell home protection plans. The plans will be available to customers in Orlando, St. Cloud and parts of Orange and Osceola counties.
Through this, American Water hopes that they will be able to educate homeowners on their duties about sewer lines and exterior water while providing protection to their home’s plumbing issues and electrical failures.
Roseann Harrington, the Vice President of Marketing for OUC, is extremely proud of the reputation that OUC has built. She also added that for the last 92 years OUC has provided pure water and reliable energy to their customers and that OUC hopes that their customers will utilise their new home protection plans to add an extra layer of security against unprecedented repair services.
American Water too has expressed their exhilaration in partnering with OUC to provide home protection plans. Malcolm Conner, President of American Water Resources Florida has said that American Water believes that OUC and they share the same kind of commitment to reliability, customer service and community. He also added that American Water expects customers to buy the protection plans they offer to protect themselves against financial demands due to unexpected breakdowns.
Orlando Utilities Commission had previously requested Proposals for Home Warranty Plans from qualified providers in 2014. Post this, American Water Resources of Florida was granted the contract to offer home warranty services in the territory of OUC.
The protection plans sold jointly by the two companies are said to be a solution for the repairs which are neither the utility’s responsibility nor covered under Homeowner’s Insurance. The protection plans will be managed by American Water Resources which includes functions like setting up a contractor network, providing customer service (in multiple languages) and educating homeowners about their responsibilities.
The protection plans offered by OUC and American Water include the following-
All customers will receive 24/7 customer support access and one year warranty on all items that are covered. No deductibles will be charged for the services.
For further information about these protection programs, visit the official websites of American Water Resources or Orlando Utilities Commision. In addition to this, if you are an eligible customer, details of how to enroll and other relevant matters will be emailed to you. You can also call to 1-877-320-4624 to get more information.
Orlando Utilities Commission was chartered in 1923 and is a municipally owned public utility which provides electric services and water to residents of Orlando, Florida and adjacent regions. OUC is the second largest municipality in Florida and 14th largest in the country.
OUC is also responsible for the area’s first Solar Farm which installed over 150 vehicle charging stations, thereby implementing a comprehensive recycling program and also encouraging customers to practise wise use of resources.
American Water Resources of Florida is a subsidiary of American Water and has been a provider of home protection plans in 43 states across U.S for the past 14 years. The company has over 1.5 million customers and they hold an A+ rating with the BBB and a customer satisfaction rate of 97%.
Most homeowners are quite concerned about maintaining their household appliances in good working condition. Any homeowner worth his salt will admit that it is no easy task. Hence it calls for some expertise in the form of appliance maintenance plans. What confuses homeowners is the fact that there are so many appliance maintenance plans out there and they end up wondering which ones to sign up for!
Here’s an article that’ll help you decide what plans you need to buy to ensure smooth running of your household appliances, while going easy on the pocket too.
There are quite a few things you need to consider before you decide whether or not you need an appliance maintenance plan.
In short, folks who have old appliances, lack DIY repair skills and sufficient money and do not have a trusted contractor should purchase some form of protection for their household appliances.
Let’s make this easier for you. An HVAC maintenance plan covers only heating, ventilation and cooling units. A basic home warranty plan covers all the major systems and appliances in the home which includes HVAC units and other appliances too. In simple terms, the coverage is often more for home warranty contracts.
Let’s take a look at some of the common advantages
Now let’s take a look at the advantages separately
Advantage of HVAC maintenance plans:
Advantages of Home Warranty plans:
Who needs an HVAC maintenance plan?
The U.S Dept. of Energy advises having your HVAC systems checked at least twice a year. This could be expensive for some.
Homeowners whose homes are aged should definitely think about purchasing a home warranty plan. It covers more than just your HVAC units. Ideally, following are the types of homeowners who need a home service contract:
Although most home warranty plans include coverage for HVAC units, the services are not as extensive as provided by an HVAC plan built specifically with heating and cooling needs in mind. If you feel that you are okay with basic coverage, then it would make more sense to go for a home warranty as your other appliances get protection too. Another option (safer one) is to buy a home warranty plan that covers on general household appliances and electrical systems and then to top it up with an HVAC plan. It may cost a little more than just a single plan, but it will be useful in the long run.
Yet another vital thing to do is to get your HVAC appliances get checked by a professional at least once a year. Regular maintenance checks are often helpful in diagnosing problems at an early state. Hence, no matter what the age or the make is, annual maintenance checks are a must for every HVAC appliance/system.
You can also read about Home Maintenance Tips on our website. We host several articles that explain the maintenance regimes for various household appliances and systems.
Remember, no matter how much thought you give into deciding a plan, if you don’t take the same effort for picking a reputable company, it may disappoint you. Always, we repeat, always select a trusted warranty provider and do sufficient research before you sign the contract. You can visit websites like ours, HomeWarrantyReviews.com, to see reviews and ratings about various warranty providers. Our website provide readers with reviews from genuine customers who are more than willing to share their experiences with others.
When you look at the words most often used in emotional complaints about home warranty companies you may find that “scam” is a very common term. But if you look very closely at the home warranty industry it’s hard to find evidence of a scam rooted in the established home warranty companies.
Though home owners are not always happy with the speed or manner of the response to their claims it takes more than just complaints to make a true scam. So are there no scams in the home warranty industry? My personal opinion is that there are plenty of scams and if you look back you’ll find plenty more in the past. Does that make the home warranty industry unique? I definitely don’t believe so. Auto insurance, health insurance, home building, government, religion – you name it, there have been scandals and grounds to throw words like scam around. Home warranty is not unique in that it has unhappy customers. Show me an industry without unhappy customers and I’ll be the first to change careers. But like I mentioned before, home warranty customers have been victimized and are probably being victimized even today.
Spotting the scams and the companies that are not operating with the best interests of their customers in mind is the very first priority. This is where home owners and legitimate home warranty companies can work together. Real estate agents, home repair contractors, home inspectors, and many other professional and customer advocacy groups can also help to point out the signs that home warranty companies are not doing what is right for their customers.
How can home owners identify home warranty companies that are likely to be scams or just not be doing what is right in terms of their commitments to customers? There are a few basic approaches to getting a good read on a home warranty company and all of them involve some time spent doing home work. What this comes down to really is customers taking their time and not making impulse purchases of home warranty contracts. And during that period of finding out about a home warranty company here are some things home owners would be wise to look out for:
It’s difficult to predict what sort of stunt criminals will pull tomorrow but in terms of what scams I’ve heard of up to now, here are a few. The names may be funny but the financial losses and wasted time on the parts of the jilted customers is nothing to smile about.
This one involves a company that isn’t a company at all. It has none of the financial depth that is required to cover the costs of handling repairs and replacements when home warranty customers file claims. In fact these companies rarely have a real office and follow the same pattern almost every time. They deny all the claims they can, approve the ones they can’t but then don’t pay anyone for the work performed, and then when frustrated customers cancel they promise refunds which they also fail to pay.
These companies oftentimes pay their contractors and approve returns but do so in such a way as to gradually put the company further and further behind on various debts. While they do this they use positive customer reviews to attract more customers and also spend a great deal on advertising in some cases. By the time they become fat with customers and reach their peak they’ve already bankrupted the company through poor management. The customers who are holding new home warranty contracts the day the company finally sneaks out its back doors and turns off the phones are the ones who get hit the hardest. Sometimes this type of scam leaves a long-term trail of customers who don’t find out their contract is worthless until they attempt to contact their home warranty company’s customer service center. This grab-the-cash-and-dash routine has burned many, many home owners over the years.
Some people who found bad home warranty companies get away with their misdeeds or only receive a slap on the hand that holds the checkbook. They then go on to start other home warranty companies using new company names and sometimes using different people as the officers or owners of the company. By disguising themselves they evade the public scrutiny that would otherwise stop their scams cold. Home owners caught up in the web of these characters can count on denied claims, shoddy work, unpaid contractors pursuing the home owner for debts the home warranty company owes payment for, and many other unpleasant circumstances.
For the sake of other consumers, friends, and the home warranty industry where companies work diligently to satisfy their customers, any home owner who feels that a claim was handled unfairly or that there are signs of misconduct on the part of their home warranty company should not remain silent. All too often home warranty companies give the overall industry a bad name with their poor handling of claims, contractor relations, or other important areas of their businesses. And in the case of true scams, more often than not, the people behind the scams only get away with what they do because it takes so long for anyone in a position to stop them to realize what is happening. As consumers realize their options to use government offices, social media, and word of mouth to sound the alarm about bad home warranty companies it will become more and more difficult for new scams to find victims.
This is a guest article written by Kevin Wallach. As owner and writer at HomeWarrantyWiz.com Kevin spends a great deal of time collecting information to help his readers better understand home warranty plans. Though home warranty is not the most popular topic online, it does mean a lot to home owners who need help with questions about it.
2-10 Home Buyers Warranty is in the process of launching Green Advantage Warranty as part of protection assurance programs for new and upcoming green building initiatives.
The 2-10 home appliance warranty company offers Green Advantage Warranty to builders who meet eco-friendly standards. Builders need to build homes that fulfill the requisites of Energy Star, National Green Building Standard (NGBS), or Leadership in Energy and Environmental Design (LEED) standards.
Green Advantage Warranty includes repairs and replacement of Energy Star certified products and appliances. Coverage includes the replacement of green labeled items, engineered wood products, sustainably harvest lumber, low or no emission finishes and recycled products with accordance of applicable national certification standard.
Scott Cromie, Chairman and Chief Executive officer states that “With one in four homes now certified by green building standards, it is clear that home buyers want a more eco-friendly home, and that offering warranty protection that targets these values offers builders a clear competitive edge,” and also reports “Our new Green Advantage Warranty represents 2-10 Home Buyers’s Warranty commitment to greener business practices, and celebrates the home builders and home buyers who want a greener home and lifestyle. We’re proud to offer a product that meets these standards, while continuing to provide the same leading, trusted protection our company stands behind.”
Builders interested in participating are encouraged to call 877.777.1344 for more information. You can register to 2-10 HBW Green Advantage Warranty, just by adding up a minimal additional fee over the existing standard rate. It is as simple as checking a box next to the certification standard on 2-10 HBW’s Home Enrollment Application.
Green Advantage Warranty is an added policy to the company’s existing home warranty package, including one, two and ten years of coverage offering for new construction home builders. Company’s 10 years warranty covers structural warranty defect. Under the policy of 1-2-10 warranty one year of surety coverage of workmanship and materials. Two years of warranty also covers on systems.
About the company
2-10 Home Buyers Warranty® is in market for more than 30 years, now the company has offered customers and their homeowners the most comprehensive warranty program available. Whether you’re building, selling or buying a home, 2-10 Home Buyers Warranty offers a complete line of warranty, service contracts and risk management products. Since 1980, 2-10 Home Buyers Warranty has provided warranties and service contracts for more than 5.5 million new and pre-owned homes.
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.
Now, back to the story.
Mr. Fox had an appliance warranty, so he did not have to
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!
Dallas is the fourth most populated metro area in the country with 280 localities. The most active areas between April 2015 and April 2016 included Westhollow, Oak Lawn, Mountain Creek, Cedar Crest, Lake Highlands and Uptown. The Dallas-Fort Worth area is the top job producing metro areas in the country, and hence Dallas attracts thousands of new residents each year. In the past year, at least 7,800 real estate agents have assisted consumers with over 10,756 residential home sales in Dallas, Texas.
Whether you are buying or upgrading from your starter home, or downsizing now, working with a real estate agent is probably the best move. They will be knowledgeable in what it takes to advertise a home and also how to successfully negotiate a purchase.
If you are looking to purchase a home or property, it is important that you appoint a local real estate agent. Local Dallas realtors have familiarity with listings, actual property values, and trends in your target area and have dealt with dozens of properties in Dallas, thereby bringing detailed market experience to the transaction. Once you outline your specifications, your Dallas realtor will be able to show you the most suitable home that best fits within your vision.
Similarly, if you are selling a home in Dallas, the qualified realtors can guide you through the entire process. They may already have buyers who may be interested in buying a property in your area. Besides, your Dallas realtor will be able to make use of the Multiple Listing Service (MLS) and other property listing systems to market your home for sale to other potential buyers.
Moreover, your Dallas realtor will be aware of the trustworthy local professionals such as contractors, escrow officers, mortgage bankers or appraisers who may help you close the transaction smoothly. The Dallas real estate agents also have experience with local housing laws and will be able to explain any industry jargon that you may not already be familiar with.
Dallas is home to numerous realtors, so make sure that you choose someone who comes closest to having the best professional experience to match your needs Below is the list of 7 highly recommended realtors based on their sales volume in dollar amounts, the number of transactions and an average price of homes sold. These professionals have proven results and can be a powerful ally as you purchase, sell, or invest in Dallas real estate.
Ellen Terry’s name has been synonymous with brilliant customer service, business expertise and the highest standards of integrity and ethics in the Dallas’ real estate market. Her 36 years of knowledge, experience, and proficient negotiating skills have proven invaluable to many of her customers. She has in-depth experience in Dallas’ most preferred neighborhoods and can offer latest market scenario besides renowned customer service.
Ellen Terry is referred as the Neiman Marcus of the real estate industry owing to her dedication to the highest level of excellent marketing and an utmost commitment to superiority in both service and product. During her notable career, she has closed over $530 million in sales volume epitomizing 158 multi-million dollar properties ranging from $1 million to $22 million.
Ellen’s civic, charity and professional activities have earned her
She has been a continuing member of the Dallas Junior League Crystal Charity Ball Committee and a current member of Charter 100. Owing to her professional experience and dedication, she is also honored at the 8th Annual Award of Excellence for successful entrepreneurs.
Besides being an expert realtor, Ellen also acts as an executive vice president of coaching and mentoring at Briggs Freeman Sotheby’s International Realty that helps her coach agents who want to attain their business goals.
Ellen’s favorite quote is by Napoleon Hill, “Whatever the mind can conceive and believe, the mind can achieve,” and she not only believes this, she lives it!
Rene Burchell is a proficient realtor with Keller Williams Realty in Plano, Texas. She is licensed since 1992 and has been keenly helping buyers and sellers effectively since 2002. Rene holds the Graduate, REALTOR® Institute (GRI), Certified Residential Specialist (CRS), e-PRO, Senior Real Estate Specialist (SRES), Certified Luxury Home Marketing Specialist (CLHMS) and Certified Distressed Property Expert (CDPE) designations. Rene’s commitment to ongoing education and passion for accomplishing her clients’ real estate goals has facilitated her to be consistently recognized as a Top Producer and Top Sales Associate and team both with RE/MAX; her former alliance as well as Keller Williams.
Rene is a member of the National Association of Realtors, Texas Association of Realtors, Collin County Association of Realtors the latter which she spent 2 years as the Director of the Board. She is also an active member of the Women’s Council of Realtors where she served as the 2011 Past President for the Collin County and served 5 years on the board.
Before working in real estate, Rene worked as a financial executive assistant for Whirlpool, Merrill Lynch and Cain Watters & Associates PC for a decade after receiving her real estate license in 1992.
Rene and her team dedicatedly work with first time home buyers & sellers to Luxury Real Estate in the Dallas, Plano, N. Dallas, Allen, Frisco, Prosper, Celina, Little Elm, McKinney and nearby cities. Her focus on quality service, professionalism, and client satisfaction have earned her following accolades and awards:
Dani Hanna has over 11 years of knowledge in real estate and more than 24 years of in-depth experience of residential home construction, contract negotiation, and organizational expertise. She diligently navigates the buying and selling process to your advantage. Dani is constantly acknowledged as a top producing agent and one of the best real estate agents in the mid-century neighborhoods of central Dallas, including Lakewood, Oak Cliff, the M-streets and Lake Highlands.
Dani’s clients and peers have recognized her willingness to step outside the box to attain her goals. Her clients say she is a true advocate of their best interest and puts the right people in place to execute their specialty. It’s no wonder she is constantly a top producer at Dallas City Center, with sales more than 20 million dollars. Dani enjoys tremendous client loyalty for the past five years in a row and has also been named on D magazine’s “Best Real Estate Agents” list since 2007.
Call Dani today if you are seeking a clear communication, seamless real estate transaction and local market expertise.
Debbie Murray has relished an exceptionally successful real estate career in Dallas where she was voted as “D Best Realtors in Dallas” by D Magazine and named a Unique Homes “Elite 2008” realtor” by the esteemed magazine. She attained her real estate license in the mid-1980’s while working as a Series 7 and 63 certified associate with Merrill Lynch. Debbie has keenly served condo, single family home and townhome buyers in the Dallas area for the past 17 years. Her in-depth knowledge of Dallas, Denton and Collin counties has brought her new and repeat clients from each. Besides a luxury home specialist, Debbie also focuses on home staging, international buyers, buyer representation, pro athlete and corporate relocation and new construction.
Debbie’s comprehensive relocation experience has served transferees from major corporations such as Cadbury Schweppes, State Farm Insurance, J.C. Penney, Hunt Oil, Price Waterhouse, and Mohawk Industries. She holds a BBA degree in Marketing from the University of Texas at Austin. As a marketing major from one of the leading business schools in the US, Debbie is equipped to innovatively implement a tailored marketing strategy for your home.
Debbie’s clients benefit from her Broker’s license education and the special skills which she has attained from her 9 professional designations.
Debbie says, “My designations have trained me at a higher level in real estate. It is exciting to share that knowledge with my clients when helping them purchase or sell a home.”
Debbie is a member of the MetoTex Association of Realtors Forms and Contracts Committee and serves on the Board of Directors for The Suicide and Crisis Center of North Texas. Proud of her association with the number one producing residential real estate office in Dallas (and Christie’s International affiliate), Debbie expect to work with you!
Debbie has surpassed in real estate sales as she attentively listens to her clients, always putting their needs above all. A home’s resale value is Debbie’s number one priority, whether her customers are buying an existing or building a new home.
A consistent real estate expert for almost 20 years, Laura Michelle characterizes the meaning of outstanding customer service. She has been consistently honored as a multi-million dollar producer and best agent by several publications. The idea of connecting property, architecture, and people fascinated her while concentrating her studies on Business and Real Estate at the University of Texas, where she graduated with honors. Laura provides a sophisticated understanding of the trending market to her clients and offers counsel from a business manager’s point of view. She strives hard to provide unmatched service and offers innovative tactics to reduce the stress from purchasing or selling a home in the Dallas, Garland, Mckinney, Plano, Richardson areas.
She holds the Accredited Buyer’s Representative (ABR) and Senior Real Estate Specialist (SRES) designations along with her broker’s license offering buyers with the highest level of service in a transaction. Laura concentrates on fostering customer relations with the latest technology and marketing developments. This has earned her the following accolades:
Laura is the best producing agent in several properties sold at Dave Perry-Miller & Associates and the industry has acknowledged her with the VIP Award for Excellence in Customer Service.
With over 38 years of experience in Dallas real estate, Tom Rhodes Jr has sold more than $1 billion in homes and properties. He is a Certified Residential Specialist, a Certified Commercial Investment Member and a Graduate of the Realtor Institute and leads The Rhodes Group. With unparalleled market knowledge and impeccable customer service, the Rhodes Group can market their clients’ home most effectively and have averaged a home sold every 2.5 days for the past decade. When you appoint The Rhodes Group, you hold the power of Dave Perry-Miller & Associates (a subsidiary of Ebby Halliday, the leading privately-owned real estate company in Texas) whose performance is supreme in the industry by selling more than one-fourth of their listings in-house and each averaging nearly one million dollars per sale.
With over 85% of The Rhodes Group’s clients coming from repeat and recommendation business, it has been named to The D Magazine’s list of Best Real Estate Agents in Dallas since 2004.
Bill Shields has more than 30 years of professional real estate experience in home buying in Collin County and Dallas County. He specializes as a buyer’s agent and dedicated to helping you find your ideal home. Shields and his team negotiate the best price and choose the right strategy to protect your rights and interests throughout the entire home buying process. With over 20 years of experience as an Exclusive Buyer’s Agent, Shields assesses home values based on previous sales and help you purchase the right home at the lowest price. Shield and his team of skilled real estate professionals have the updated information on the great North Texas communities.
Bill Shields is a Certified Negotiation Expert (CNE) and has the following Professional Real Estate Memberships:
Prior to entering the world of real estate on your own, see if any of the above Dallas realtors can help you instead. It will take just a few minutes to analyze their transactions and reviews and find the best match based on your needs.
An offshoot of Home Warranty, Structural Warranty is a legal agreement between the builder of the home and you – the owner. Structural Warranty functions basically in the case of new homes, wherein the builder assures that the home he has built will have no structural defects for a period of ten years after its construction. His claim is covered by the company which offers him warranty coverage for the building, at times additionally including workmanship and internal systems.
The system functions just like Insurance, but covers defects which may occur due to age and wear and tear, not natural disasters or unforeseen circumstances. Like the Home Warranty covers the items in a home – its appliances, wiring and plumbing systems, interiors etc. – Structural Warranty covers elements like the foundation, girders and beams, roofing, and flooring.
Before the purchase of a home, it is advised for either the new owner, seller or realtor to purchase Home Warranty, in order to establish a relationship of trust and confidence in both parties involved. Just as a Home Warranty leaves the new owner knowing that his home and all that is in it is secure for at least a year after its purchase, Structural Warranty establishes the same sense of security in the buyer of a new home straight from a builder.
It is rather simple – all structural defects are now to be fixed by the company that the Warranty has been purchased from or by the builder offering the warranty himself, and as long as the terms and conditions are met, neither the builder nor the new owner is liable.
We see before our eyes appliances, electrical systems and plumbing leaks occur every once in awhile – but most of the time structural damage is noticeable only after it is too late. Given that large parts of the US are known to have soil that expands with seasonal changes, statistics show that more than 25% of all buildings in the country experience some kind of structural damage during the first decade of their life, almost 10% of this being major and often irreversible.
It isn’t always about how reputable the builder is, in fact, the more reliable the builder the higher the chances are of them investing in warranty for the homes they have built. Years after a deal is signed, sealed and delivered, a matter like soil expansion that is out of the hands of both the parties can spring up, making Structural Warranty the only way to guard against massive expenditure out of your own pocket in the future. Studies show that the warranty is most often claimed 4 to 7 years after a home is built to completion.
The chances of an individual investing a sum as large as the cost of a home in anything else in his or her lifetime is very slim, making this purchase one that could develop complications if not done right. Builder’s offering Structural Warranty for the home they have built can not only assure the buyer of their expertise but also give them a legal document to go back to in case frivolous lawsuits or complaints are lodged. Like in the case of any two-way agreement, responsibilities, terms, and conditions are clearly outlined.
If a third party company is used to establish a warranty, then any complaints, disputes or discussions will be handled by them – until the point of reconciliation. This saves time and discomfort for both parties involved, especially the builder.
If you happen to be a builder with larger holdings or varied properties and houses, then the value of each building is sure to increase if Structural Warranty is added to the mix. Use it as a marketing strategy, one that is true to every word and will help you build lasting relationships with your clients.
Structural Warranty functions according to the guidelines of the Housing and Urban Development department of the US, which stipulates particular criteria within which a company must cover damages. Larger builders may choose to provide their own Structural Warranty schemes to the buyer, while builders without a department to handle such claims or smaller building agencies may choose to use third-party warranty companies. Even more so than Home Warranty claims and structures, Structural Warranty coverage and insurance backing vary drastically from builder to builder and company to company. If you happen to be a part of the decision making of who to choose, make sure you do your research and pick a coverage that is extensive and appropriate to your home.
If you go through a Structural Warranty contract or guide, you will notice one important point – the extremely specific and near legal language used to describe what that particular company or builder covers. Structural Warranty owes this specificity to regulations set by the Housing and Urban Development Department of the US, as well as to the builders’ need to protect themselves from futile claims and lawsuits.
Due to each Structural Warranty being unique (much like Home Warranties state-wise laws), we will get into what the warranty covers in general. Know that this isn’t ironclad, and you have to cross check the terms and conditions with your builder.
As a whole, third-party companies offer two kinds of warranty, one which accounts for any damage to the structure of the building from the moment the deal is closed between the builder and buyer. The second stipulates that the company will only begin to cover damage to the home 3 to 4 years post the sale, implying that any structural damage before then is up to the builder to fix.
Each company usually has a base plan and other additional perks that you can choose to opt for.
The basic coverage usually covers the following:
The last of these, load bearing partitions, are often accompanied by the additional coverage of non-load bearing partitions. These claims are almost purely cosmetic, and certain Structural Warranty companies do assure the fixing of these, keeping in mind the original material integrity of the home.
Integral to any warranty and insurance difference, Structural Warranty doesn’t cover any damage due to natural disaster, accidents or unforeseen circumstances; anything that is covered under insurance, basically.
Lastly, any structures added to the original home – an extension, outhouse and detached garage space for examples – would not be covered. If the need is felt, the builder could then purchase a separate Structural Home Improvement Warranty.
Individual state laws in the US tackle Structural Warranty in different ways, making the cost different in each state as well. On an average, if the basic warranty is purchased, then it shouldn’t cost more than 1% of the purchase cost of the home. In most states which are positioned in low-risk areas (minimal soil expansion, etc.), the price is only about half a percent of the home’s price, whereas in high-risk zones the price can go up to 1.5% to 2%.
When looked at it in terms of a median example, while Structural Warranty would cost anywhere between $500 and $1500 for ten years, the repair in case of structural damage could be between $50,000 and $100,000; Structural Warranty being about one percent of the estimated repair budget.
Texas is the second largest state in America, regarding the number of people living in it. That means a great number of households that need protection and maintenance. Also, statistics concerning the trends of population evolution are pointing towards growth in the future. Soon, new residences will have to be built to accommodate the growing no. of people. In a state with so many homes, a Home Warranty should be a must. Anything can go wrong and get broken, leaving you with the inability of doing your everyday tasks. Yes, there are companies that take care of these matters, but considering the high number of households that might need their assistance, you may have to wait for a while. As an advice to homeowners, here are five of the most reliable Home Warranty companies in Texas, as of June 2015.
The most important appliances in your home, in case they malfunction and regardless of their age, will be repaired and handled by the Home Service Club. And in case your appliance cannot be repaired, their solution also foresees a replacement of the malfunctioning device. The company has an extensive network of sub-contractors, meaning that interventions at the client’s house will be done in a short time frame. Customer service is available around the clock, in any day of the week, so you can call them any time you need assistance. Besides phone calling, any customer can access their website in case they need any of the services they provide.
The company is getting great reviews from former clients. They appreciated the short period of solving the matter and the professionalism of technicians. Customers expressed their contentment and stated that company is reliable and trustworthy.
They have two available plans for their services. The Standard plan, which cover some of the most significant appliances and systems within a home. And the Comprehensive plan, which includes almost anything needed in a house, regarding devices and household appliances.
A large number of technicians and contractors who compose the American Home Shield team, are ready all the time to take care of any systems or appliances that might get broken in your home. They have built quite a reputation in their extended activity in this branch, earning thousands of satisfied customers, who got their appliances running in the shortest notice.
Customers are happy with the services received from the company, pointing out promptitude, respect and well-trained technicians on the field. Most of them did not wait longer than 24 hours to get their appliances working again, which is extremely important for every homeowner.
Regarding their plans, the company has quite a diversity. The most preferred by clients is the Combo plan, destined to take care of the majority of appliances and systems a house may have, at a very low price. They also offer a customizable Build Your Own Plan, which allows the homeowner to designate his priorities. Shield-Essential takes care of the devices that are most costly to buy and repair. Shield-Plus works the same way as the previous plan, but having a few extras. And Shield-Complete that gathers all the benefits of both of the previous plans, plus a couple of other advantages.
As the company claims, everything that comes with an outer metal case and gets plugged in, will be covered by their services. They also have a customer service available regardless of day or hours, and there are no fees for calling in each time you have a problem.
Reviews show that customers appreciate the company, some of them using their services for more than 10 years. They appreciate the availability of the customer service, the professionalism with which their issues are treated and the quality of the services.
The Complete Appliance Protection has four plans to offer to their clients. They have the Kitchen and Laundry plan and the Heating and Cooking plan, which both state what their cover in their names. They also have the Full House and Full House Plus plans, with extended covering regarding the type of appliances.
The services offered by this company regard both homeowners and real estate agents as well. They can take care of any appliance or system that refuses to work properly. Besides the traditional customer service, a client can also visit their website to find out information about plans, services or to become a member. There will also be a call fee of $65, regardless of the plan you chose.
Customers seem to be impressed by the services they receive. They appreciate the high quality of the repairs, fast solving of the matter and reliability at each call for a problem. Being there for the customers and offering the best support is the success recipe for this company.
The company offers four types of plans. Standard, Premier Plus, Value and Deluxe, each having specific coverage and price. From all these, Deluxe is the plan that offers the most coverage and solves most of your issues regarding appliances.
Repairs or replacements should never be a worry with the services provided by this company. It doesn’t matter what type of home you have or what appliance gets broken, as long as the terms mentioned in the contract are met, Select Home Warranty will repair it for you. Their network of technicians and contractors is rather large so that they can be at your place in no time.
Customers are quite happy with the services and promptitude, claiming their issues were solved in a relatively short period. Also, they mentioned that the quality of the services is also reliable. Still, there were some customers wishing for some more coverage in the company’s plans.
They have three types of plans available. Bronze Care, Gold Care and Platinum Care, and each plan has a specified coverage and a payment plan. If you wish to get maximum coverage, then you will have to opt for the Platinum care. Also, do remember that there is a service call fee for all customers, regardless of the plan.