In a quite short period of time, home protection plan have grown considerably in recognition. Today, the plans are almost standard in every city real estate transactions, where 8 of every 10 homes sales are covered. Homeownership can be one of life’s many pleasures, but it’s not always cheap. Most likely the last thing a homebuyer wants to do after closing on their new home is to shell out even more money on appliances or systems that unpredictably break or malfunction. It’s a usual part of being a homeowner, though, and procuring a home warranty protection plan is one way you can attain some peace of mind.
When your appliance breaks down, don’t worry about whom to call to fix it, or what it will cost. There are various options by which you can protect your budget from pricey emergency repairs.
Want to know how home warranty works? Watch this video –
Home warranty plans, also called home protection plans, are basically service contracts or insurance policies that cover major appliances and systems of a home. It’s a good idea if you are a first time home buyer without any understanding in maintaining a home or property. Homeowners insurance does not cover breakdown of a home’s major systems or appliances, but a home warranty protection plan can help with repair expenses such as refrigerator that stops running, or your air conditioning system breaks down in the middle of the night.
When a breakdown happens that involves a system covered by the home warranty plan, the homeowner calls the insurance firm and desires a service call. The cost of the service call, which ranges from $35 to $95 per visit based on your location, is salaried by the owner. The warranty company allots the call to an approved contractor, and the home protection company shells out for the system repair or replacement.
Home warranties naturally cover the mechanical systems of a home such as heating, plumbing, water heater and most built-in appliances. Structural components and pre-existing conditions are usually are not covered. For instance, if the water heater hasn’t worked properly for some time, it possibly that it won’t be covered in the buyer’s home warranty plan. Other items which are typically not covered include faucet repairs, sprinklers and permit fees. Some home warranty cover roof repairs and garage door openers with certain limits.
Another common problem with home warranties is that you will not be able to decide the repair provider that will care of your problem while the warranty is in effect. Normally, if a covered item breaks down, you will put notify your home warranty company, which will select a service provider with which it has an agreement.
Additional coverage is accessible under most home warranties at an extra charge for a spa, pool, air conditioning and freestanding appliances, such as washer, refrigerator and dryer.
Coverage usually runs for a year, but it may be extended at the owner’s choice for a renewal fee. Some people keep their home warranty policy in position for years and years. If the home protection plan is ordered at the time a home is bought, inspections are normally not required.
If you don’t want to have to be anxious about repairs in your first year of home ownership, a home warranty may be a good idea. However, it is imperative to weigh up your warranty, to ensure that you will be properly covered.
Know the basics of home warranty.
Extended warranties, by providing protection for pricey purchases and increasing the span of a product’s original warranty, have become the standard for many retailers. These warranties often appeal to economical consumers, for whom purchasing big-ticket items like appliances and electronics can be a challenging decision.
An extended warranty or service contract is like an insurance policy – your savings buys off only when the most evil happens. But do you actually want one? These days, almost all the brand – name appliances are sturdily – built and generally last their usual life span with few or no repairs, rendering extended warranties pointless. In case you do choose to get one, ensure that you do your homework.
There might be instances where an extended warranty is affordably priced and makes up for a limited warranty that covers little ground and has short period of time, and thus, is worth it. But too often, they are a waste of money. Before you purchase an extended warranty, ask yourself the following questions:
You frequently forget that while your product may certainly break down later on, the price of the product will also depreciate later on. Only when the forecasted cost of replacement or repairs become considerably greater than the present cost of the extended warranty, should one consider buying the extended warranty. And still, a warranty must only be thought out if there is also a significant chance that the appliance will stop working in the first place!
Certainly, warranties are significant and you must always ensure that when you buy pricey appliances – like clothes dryer for example – that it has a warranty to follow with it. But if a salesperson is attempting to get you to buy an additional extended warranty, be doubtful. Think about sales and advertising. There is always an income motive and retailers and merchandisers can regularly make money off consumers when they purchase extended warranties than when they buy replacement products or pay for repairs! This is why third party companies and retail stores provide extended warranties, not the manufacturers.
Think about sales and advertising. There is always a profit motive and retailers and merchandisers can often make more money off of consumers when they buy extended warranties than when they buy replacement products or pay for repairs! This is why retail stores and third-party companies offer extended warranties, not the manufacturers themselves.
The moral of the story is that you must do a little math and significant thinking prior to buying an extended warranty. Possibly it will be a wise purchase, and may be the money will be better used up toward other services or products.
Don’t lose your cool over unforeseen home repairs; call the experts for a home service contract. One such company that provides Service Contract is Service America. Never again will you have to worry yourself with the hassle and high cost of unforeseen repairs.
Service America is protecting its customers from unpredicted air conditioning, appliance and plumbing repairs for over 38 years saving them a ton of money, time and unnecessary frustration. When something breaks down at home, it becomes necessary for you to rush and find the right technician to fix the problem. Many times it’s an urgent situation and you don’t have the comfort of shopping around for the best price. But you can avoid these types of stressful circumstances, save money and experience peace of mind at the same time by buying a Service Contract.
A Service America Service Contract covers all these appliances and services for just one low yearly cost.
Quoting and buying a service contract takes a few minutes but expectantly you will find it effortless. In order to obtain the best possible coverage you need to give basic information about your home.
In the heating, ventilation, and air conditioning (HVAC) industry, equipment servicing is generally headed by the issuance of HVAC service contracts. The key purpose of this is to describe the terms of service as well as the cost, the length of service and what requires to be done, and each package of contracts is exclusive to each type of service. These service contracts incorporate full-coverage, full-labor, preventative-maintenance, inspection contracts, and end-use contracts.
All of these HVAC service contracts cover the tasks of each party, material cost, wages and how to decide arguments with a complete document. The equipment, procedures, tasks, unique descriptions and reports on the precise work to be done ought to be covered as well. Every contract also sketches processes and details the responsibilities of the contractor and owner. Regardless of which contract is signed, there can be several contracts put into practice for the same parties at any given time.
Appliances are a vital component of a well running home, as they are utilized every day. When they stop working, an appliance repair professional is able to restore the item to full working order. Along with repairs, professionals will regularly service your appliances to make sure that they run as safely and efficiently as possible.
Appliance repair professionals can render the following services amongst others:
While hiring your appliance repair professional, make sure that you get a quote on the work that needs to be performed. Ensure that the quote incorporates the call out fee and the cost of any parts that must be replaced. The professional must also be ready to give assurance of their work for a certain period of time. It’s good idea to investigate several repair pros in your area and pick the one that offers experienced technicians, reasonable prices, and good customer service. Always make sure that the professional is insured and licensed.
Imagine how messy your kitchen would be with unwashed dishes and bowls if your dishwasher breaks down! Washing those utensils & dishes manually can be cumbersome.
You can stay away from such tricky situations by taking good care of your dishwasher. We have provided below, a simple list for maintaining the appliance. This guide will not only help you to reduce maintenance expenses but also increase the life of the dish washer.
Even if you have an appliance warranty plan, warranty companies expect you to maintain your appliances in good condition before carrying out any repair related work.
If you have been using your dishwasher regularly, then frequent cleaning is not recommended for the interiors of the dish washer. Fortunately, dishwashers don’t need cleaning very often and it’s not hard to clean them.
When you decide to clean them, follow the steps below.
The above simple maintenance tips can make your dishwasher run efficiently and reliably. They also help in extending the life span of your dishwasher leading to prevention of high replacement or repair bills.
Do you have a trusted appliance lying around your household for the past few years that you don’t want to give away or replace? Yet you are worried that it’s going to crash pretty soon leaving you with no other option other than repairing it or replacing it with a new one? Fret not! This article will shed some light on how to insure your household appliances against potential breakdowns
Let’s begin by comparing Home Warranty from the Homeowner’s insurance policy. The primary difference between the two is that Home Warranty covers repairs and replacements of failed appliances and systems, while the the Homeowner’s Insurance covers damages caused to your home and its content by natural hazards or theft. You can always find a contractor to repair your damaged appliances, but more often than not the costs involved in such scenarios are rather high. The other option that you have is to apply for a Home Warranty plan.
The Home Warranty plan is a contract of service that covers repairs and replacement of appliances and systems in your home. Depending on the kind and extent of coverage you wish to avail, the annual premium for the Home Warranty plan can range anywhere between $ 250 to $ 450. In addition, each time you approach the warranty company for a service, you have to pay a service fee usually called as the deductible. This is around $ 50. You can take a look at the table below if you want to know he systems and appliances that are covered under the Home Warranty Plans.
If you have doubts regarding whether or not your appliances need a Home Warranty Plan right now, take a look at the following chart. It tells you what the average lifespan of the common household appliances.
Now lets discuss the most important question.
Let me clear the former first. You have two options, you can either avail an extended warranty for each appliance or you can get a Home Warranty which covers all your appliances. Although, getting extended warranty on each appliance is not a wise decision, the best way out is to get a Home Warranty.It is also suggested that if your appliances are not new and over four years old, getting a Home Warranty will turn out to be highly useful. However, if your home and the appliances you own are reasonably new and still covered by the Manufacturers warranty, you may want to consider taking an extended warranty. You can click here for further details and comparisons between the two.
If you are wondering how this works then here’s the answer. The company offering a Home Warranty plans often sign contracts with vendors offering repair services to appliances. Each time you approach your warranty provider with a claim, they call up these repair facilities which in turn sends a technician to evaluate the condition of your appliance.He shall decide if your appliance needs to be repaired or replaced.Service charges(deductible fee) of the technician shall be paid by you and it is always nominal.
If you have read so far, then it would mean that you are genuinely interested to know as much as possible about Home Warranty plans. Few hiccups that you may encounter are as follows:
It is again stressed that you read your contract carefully and have it looked over multiple times , paying immense attention to the monetary factors.
Despite the issues that were mentioned, it is advised that you insure your appliances by availing a Home Warranty Plan. Costs incurred during repairs and replacements can be considerably reduced if you have a sound Appliance Protection plan. Also, if you choose to sell your home while the Home Warranty plan is still valid, the value of the property is likely to be higher than when it is sold without a Home Warranty. Most buyers recommend strongly in favor of Home Warranty plans. You are likely to do the same if your choice of home warranty provider is good.
Here is the summary of benefits you shall have if you avail a Home Warranty Plan
May it be reminded again that reading the contract well is of utmost importance. You can get a free estimate on home warranty from top rated companies on our website before you purchase the plan.
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.
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.
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.
Typically it would cost between $9,000 and $25,000 depending on a number of factors such as:
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:-
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 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.
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.
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.
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.
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.
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.
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.
One beautifully framed mirror over a sink is more attractive than many surfaces covered with mirrors. These will enhance the looks of your washroom.
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.
Warranties for newly built homes guarantee to replace or repair certain elements of the home, if needed, within a definite time. If you are bearing mind a new home warranty, it is significant to realize what it covers, how to make a claim, and the procedure for resolving disputes with the builder or warranty company.
A new home warranty can offer peace of mind for homeowners, assuring that if something goes wrong in the early stages of a home’s life, it will be covered. Many appliance service contracts sold to homeowners are backed by the builder; others are procured by the builder from an independent company that presumes liability for certain claims. For added protection, homeowners may pay for coverage on their own from third party warranty companies in order to supplement the coverage their builder offers. The Federal Housing Authority (FHA) and the Department of Veterans’ Affairs want builders to buy a third-party warranty as a way to defend buyers of new homes with FHA or VA loans.
New home warranties usually offer limited coverage on workmanship and materials relating to different components of the home, such as heating, windows and air conditioning (HVAC), electrical systems, and plumbing for definite periods. A warranty also normally defines how repairs will be made.
The length of coverage differs depending on the component of the house. Coverage is offered for workmanship and materials on most components all through the first year. Coverage for plumbing, electrical systems and HVAC is usually two years. Some builders offer coverage for up to 10 years for “major structural defects,” sometimes defined as problems that make a home insecure and put the owner in danger. For example, a roof that could crumple is a “major structural defect.”
Nearly all warranties for newly built homes, however, do not cover costs an owner may acquire as an outcome of a major construction defect on warranty repair, similar to the expense of having to move out of one’s home while repairs are being made. Nor do they in general cover:
To know more about coverage, look into what’s typically covered in a home warranty plan.
If you have a flaw in your new home that may be covered by your warranty, first study the warranty or service contract cautiously to ensure that your problem is covered. Give particular concentration to the length of specific types of coverage.
Specialists suggest that its owners pursue the matter with both the original builder and the home warranty company. The builder possibly will defer to the warranty company, but at least they have been alerted.
Homeowners must make a list of the troubles that they want to get resolved and should make sure that the problems are covered under the home warranty. Pay attention to the “performance standard” section of the document, which records common problems and explains to what extent the builder is liable for fixing them.
Next, file your claim as per the instructions in your warranty, and put your application for repair in writing, even though the company offers a hotline for urgent needs. Ask for a return receipt, and keep a record of your correspondence and conversations with the company. Probabilities are your claim will be managed to your satisfaction, but if a dispute occurs, it’s good to have a record of your dealings with the builder and the warranty company.
In best-case scenario, the builder or the home warranty company will fix the problem. If issues continue, however, the problem could go to settlement.
One way to safeguard against future problems is to appoint a home inspector to inspect the house before taking custody. Many new homeowners think that they don’t need a home inspection since municipal building inspectors have signed off on the work done in the home; the house is new; and it is covered by a home warranty.
New homeowners should also bear in mind to keep a maintenance file comprising documentation of everything done on the home, including regular and special maintenance. The paperwork will come in handy if a claim is required.
In filing a claim, homeowners must keep in mind to be persistent. It may take a while. In the end, diligence pays.
Frequently, a dispute occurs between a homeowner and a builder or third party company over whether a defect is covered or whether repair was finished appropriately. Many warranties provide for meditation of disputed warranty claims on newly built homes, followed by compulsory binding arbitration. In meditation, a unbiased third party – a mediator – assists the homeowner and the company resolve the problem by making the discussion easy between both parties. It is up to the homeowner and the company to settle an agreement.
In case meditation does not work to resolve the dispute, it is possible that the homeowner would be needed to put forward any claim to arbitration, instead of going to the court. In this procedure, an “arbitrator” or panel makes a decision or award once the participants present their cases. Some warranties let the homeowners pick an arbitrator from a list acceptable to the builder or the third-party warranty company.
Arbitration is less formal than court. Most warranties want that both parties obey the arbitrator’s decision, without appeal. If your loan is funded through the FHA or VA and you file a claim against the third-party warranty company, you can opt between arbitration and going to court. If you pick arbitration, realize that you are bound by the verdict.
Even though arbitration is normally less pricey than going to court, home owners can anticipate shelling out several thousand dollars so as to take their claim through the process, based on the complexity of the arbitration. Understand your warranties carefully to decide what arbitration outlays or costs the homeowner is liable for and what expenses the builder must pay.
A few companies provide homeowners the option of arbitration or going to court. Sometimes builders disburse all costs related with arbitration to support a homeowner to agree not to take the issue to court.
You can also use our absolutely cool tool to get a free home warranty quote!
To discover more about warranties on newly built homes, get in touch with your state or local builder’s board. If you have loan insured by FHA, call the closest U.S. Department of Housing and Urban Development field office for additional information. In case you have a VA loan, you can contact the nearest VA office.
Further, you can also compare and choose home warranty companies depending upon your requirements.
This is the electronic age. Hundreds of new gadgets and appliances throng the buyer’s market every day. The consumer is literally spoilt with options that tend to reduce the burden and thereby bringing handiness into our lives. The convenience however, comes with many riders. Remember, the onus is on us to conserve energy and shield our resources from superfluous depletion.
An energy-efficient home will keep your family comfortable while saving you money. Whether you take simple steps or make larger investments to make your home more efficient, you’ll see lower energy bills. Over time, those savings will naturally pay for the cost of improvements and put money back to where it belonged, your pocket.
Now, let us deliberate and gather some thoughts on saving energy at home. Remember; following these tips promptly have added repercussions too, like increasing the lifespan of your appliances.
Making your home energy efficient can be as easy as discussed above. Who doesn’t want to save money and the planet at the same time?
If you are a responsible homeowner, make sure you have appliance warranty policy to protect yourself from costly repairs.
Life throws many unforeseen things at all of us. As we can’t stop these things from happening, we can choose to give our lives a bit of protection. Insurance is meant to grant us some measure of financial protection, when a disaster occurs. There is plethora of insurance options available and it is suggested by many financial experts to have these insurance policies in place. Yet, with so many choices, it can be difficult to decide what kind of insurance you need to get.
Buying the right insurance is always decided based on your specific situation. There are however, four insurances that are suggested by most financial experts namely life, health, auto and long-term disability. Each of these covers up a definite feature of your life and is vital to your financial future.
The greatest aspect in having life insurance is providing for those who depart. This is really important when your family is dependent on your salary. Experts recommend that life insurance policy should cover “ten times your yearly income”. This amount would give a sufficient amount of money to cover funeral expenses, existing expenses and provide your family a financial cushion which will assist them re-group after your demise.
When estimating the amount of life insurance coverage you want, keep in mind to factor in not only funeral expenses, but also mortgage payments and living expenses such as credit cards, taxes, loans, child care and future college costs.
Life insurance is something that will be required by everybody at some point. Unless you work in the insurance industry or are familiar to somebody that does, what do you really know about the life insurance types that are accessible to you? The answer to that question probably is ‘not a lot’, and why you be supposed to?
Many of us think that there is a common life policy for insurance that everybody procures but this is actually not the case and there is a variety of life insurance that can be bought. Each of the types has its own precise features and benefits that may be of concern to the consumers.
Below is the brief explanation as to what these different kinds of life insurance are in order that you can be familiar with the difference between them.
Life insurance comes in several sizes and shapes, but they generally fall into two categories namely Term Life Insurance and Permanent Life Insurance.
This is the most affordable life insurance and coverage in this type is bought for a definite price for a specific period of time. After the demise of the insured, the recipient will receive the death benefit. It makes the death benefit longer only for a definite period and if the insured doesn’t die within the term of the policy, he gets nothing in return.
This kind of life insurance makes logic if you have monetary needs that will reduce over time, such as a child’s tuition or a home mortgage.
Types of Term Life Insurance
Permanent life insurance by definition is a policy that provides lifelong protection. The policy never ends as long as the premiums are paid. In addition, this type of policy provides a savings element that builds cash value over a long period of time.
Types of Permanent Life Insurance
Once you know the type of protection applicable to you and would like to procure, you can get online rates for the policy you wish. With the help of online life insurance quotes, you are able to examine and compare insurance quotes from various insurance companies.
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.
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.
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.
Here’s a list of things you can do to avoid any disputes and conflicts
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:
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!
This letter was written by someone who worked in the home warranty industry for a long time. The views and opinions expressed are author’s own. However, we do think the author provides an insightful view along with some valuable suggestions.
Hello. I was just reading the letter from Robert Lehman of HSA Home Warranty along with the comments as well as other home warranty company reviews and am compelled to contact you.
I worked in the home warranty industry for almost 17 years. I was an outside sales rep, selling the home warranty through the real estate industry as well as related industries (lenders, title companies, system and appliance vendors, appraisers and inspectors). I have been in the insurance industry since 1983.
While I am no longer working in the home warranty industry, I do believe in it and would like to help both consumers and home warranty companies alike. To make it as simple as possible – The home warranty covers the items listed in the contract subject to limitations and exclusions. Just like any other contract, not everything is covered. It is not Carte Blanche. Things that are not covered by the home warranty plans may be covered by a manufacturer’s warranty, a product recall, homeowners insurance or may just simply fall into the category of “the cost of owning a home”.
A home warranty is a wonderful service to have, reducing unexpected out-of-pocket expenses. But when there is a financial burden because of an unexpected problem, it’s so easy to not like who you have to call because you don’t like the situation. Not having to come out of pocket for the full retail cost of the repair is a whole lot better than coming out of pocket for the trade call fee and perhaps a bit
more towards the repair.
Now, having worked through many challenges with home owners, I know that the home warranty companies can improve in terms of both coverage and service. The challenge with coverage is the cost, the premium that is charged to the home owner. The challenge with service includes the home warranty company staff and the vendors that represent the home warranty companies.
Coverage provided by home warranty companies should be far more inclusive in my opinion. And I know it could be, but there has yet to be a home warranty company that is willing to make the move to charge a higher premium for that more inclusive coverage. It is a very competitive industry and no one wants to price themselves out of the market. But I know that I personally would rather pay $800 to $1,000 a year vs. $250 to $600 and not have to worry about more than my trade call fee.
Many home warranty companies have a basic plan with additional optional coverage for things like a kitchen refrigerator or roof leak coverage. Many times a home owner is justifiably frustrated to learn that this “option” was not purchased so they had no coverage. This is most common for home warranties that are purchased through a real estate transaction and the actual end user did not have say in the coverage purchased as the seller was the one who bought the warranty. The most common coverage complaint is when a vendor is dispatched for a system or appliance and the home owner has to pay above the trade call fee for an item that is covered by the home warranty. An example might be having the pay to bring a water heater to current code before the repair can be made. If the home warranty companies charged more for their covered items, they could very likely remove many limitations from their plans. There will always be exclusions, just like any other contract.
Service is big issue and it should be. The staff of the home warranty company should always have a smile in their voice and an empathetic ear. It’s a tough industry for service representatives at a home warranty company because they take a lot of heat from frustrated, emotional home owners. It is imperative that the home warranty companies properly and constantly work with their service reps to keep moral up and to coach on “empathy”. At the same time, it is equally important for the home owner to be polite and remain calm. It is not acceptable to speak rudely or abusively to a service rep at any company. But because people are emotional, there will always be times of poor communication, so the biggest burden should be with the home warranty company personnel. So many complaints about the service provided by the home warranty service rep would be eliminated if they would return a phone call in a timely manner; not keep someone on hold without checking back often and offering a return call rather than holding; and simply listening to the caller, completely, and having a genuine, unscripted conversation without pressure of ending the call in a certain time frame. And of course, the oh-so-important follow-up and follow-through.
Another challenge with service is with the vendor that has been dispatched to a home. Vendors do the dirty, physical labor, regardless of conditions including weather, traffic, conditions at the property they are servicing and the attitude of the customer. In most cases, the vendors working for the home warranty company are experienced and reputable and therefore should always treat the home owner with the utmost care and professionalism. Unfortunately, even though the vendor company may meet the requirements and expectations of the home warranty company, the home warranty company has no control over who that vendor hires; this is when many of the vendor related problems occur. It is so important for the home warranty company to have staff specifically assigned to vendor/contractor relations as well as requesting feedback from the home owner on how that vendor’s service was.
There is so much more that could be addressed, but hopefully this has helped someone somewhere.
– Anonymous Industry Veteran
Well, technically it isn’t winter yet, but like the Starks say – “Winter is coming” and as a homeowner, you better be prepared for it. If you live in a region which sees subzero temperatures and biting winds, your house, and its contents could be in trouble. While snow covered trees and angelic white surroundings may look pretty, the potential damages that cold temperatures can cause to household appliances are no fun. Frozen water in the plumbing, malfunctioning humidifiers and the scariest of them all – broken radiators which means no heat! Many things could go wrong and if that happens in the dead of the winter, you could be in trouble. So before the winter sets in full swing, here’s a checklist of things you must get done.
This step cannot be skipped, more so if your home is 4+ years old. The outdoor pipes face the biggest perils as they can easily have water freeze inside them causing grave damages. Like you learned in school, frozen water expands and this means that the pipe could burst if water has frozen inside it. Needless to stay, a burst pipe is not an ideal thing during Christmas season. Your septic piping may also need your attention. Clogged sewage or burst pipes within the sewage system are nightmares.
To prevent plumbing issues, here are some things that you could do –
Unless you want to freeze to death, inspecting your HVAC unit or even better, getting a professional to check and run a maintenance routine is highly recommended. We have a dedicated HVAC maintenance checklist which you MUST go through to prevent possible breakdowns. Some things you could do to ensure smooth running of your HVAC unit are –
Winters require your heating systems to work overtime and sometimes even round the clock. Even if they are in their best shape, here are some signs that could indicate that the system will become faulty soon. Watch for –
If you see any of these signs, have a professional look at the system right away.
Roofs often get the worst of it as they are constantly exposed. Roof tiles may crack or even break if the climate gets that harsh. Such cracks and breaks allow water to seep into your attic and disturb the temperature of your house, or worse, cause further cracks and breaks. It might be a good idea to get your roof inspected. If your roof sustains extensive damages, the repairs could cost you an average of $600.
Some DIY checks you could do are –
Fireplaces were the first heating arrangements that civilized humans used. They are fairly inexpensive to maintain when compared to HVAC units. Before winter sets in, it might be a good idea to give your fireplace a thorough cleaning. The general rule of thumb is that the fireplace must get cleaned once a year, ideally before the winter. A lot of ash and other fuel residue tends to accumulate within the fireplace which could lead it to function badly.
If you use gas, your fireplace will be considerably cleaner. However, there is always the risk of debris or leaves that fell through. Wood fireplaces may need a routine check from a professional.
Most American homeowners swear that an appliance warranty plan is the best strategy for budget protection. Any unexpected repair cost will get covered as long as the damage was caused due to normal wear and tear. Of course, for damages caused due to natural hazards or perils, you’ll need a homeowner’s insurance and not a home warranty. While both plans are designed to cover repair and replacement costs, homeowners insurance and home warranty are quite different from each other.
During winter, especially in regions where the temperatures drop really low, the risk of appliances getting damaged rises significantly. So, if you are not a home warranty customer already, you may seriously look into getting one. It could help you save thousands of dollars in the long run.
Maintaining a house in good working order, especially when the climate gets harsh, is no easy feat. Which is why you need to go through our home maintenance checklist and execute the steps in it to ensure that you have a warm and cozy winter. The festive season is just around the corner and nothing spoils our mood more than faulty appliances. Keep your home warranty ready and you’ll have your peace of mind. Have a good winter!
The Internal Revenue Service (IRS) allows several home related expenses to be deducted from income tax. While most homeowners enjoy tax exemption on expenses like mortgage interest, property taxes etc, some are unaware whether home warranty premiums are allowed deductions.
When some of our readers approached us with this question, we realized that this could be a common question among homeowners across the country. We have tried to address that concern up to the best of our ability and we hope that this article will clear up any confusion you had about such tax deductions.
As you may know, a home warranty is essentially a service contract that agrees to provide you with discounted repair and replacement services. In the United States of America, homeowners unfortunately do not enjoy the benefit of exemption on a home warranty premium you pay for your residence.
However, warranty premiums can be tax deductible if they are on an income producing building. Which means if your house is something like a home office or if it is a house that you have rented out, the premium you pay towards home warranty will be considered as a deductible expense.
A premium paid towards home warranty is considered as a pre-paid maintenance cost of your home and will therefore be non tax deductible. Which means that repairs and replacement costs, no matter how they are covered, will not be a valuable tax deduction.
If you are a tenant in some house that enjoys the protection of a home warranty plan you pay for, you will not be able to claim exemption on its premium. Only the owner will be able to consider premiums as deductible expense.
Even if you don’t have a home warranty or a home insurance policy, expenses towards repairing and replacing household appliances/ systems will be considered as maintenance costs and hence will not be tax-deductible.
In this case too, if the repair/replacement was needed for an income producing building/home, you may be able to claim an exemption.
Typically, no. IRS allows homeowners to deduct private mortgage interest from federal taxes. But, homeowner’s insurance premiums shall not receive tax exemption. Same applies to flood or title insurance. This is pretty much the way home warranty premiums work. Unless an income is generated by the building like in the case of rental properties or home office, you are out of luck.
IRS allows the following expenses to be considered as tax deductible expenses-
The following are considered as non-exemptible expenses-
We have noticed that it is a common practice to confuse home insurance and home warranty. While homeowner’s Insurance is mandatory for homes with mortgages, a home warranty is usually a choice. Though home warranty premiums may not help you save tax dollars, if your home and its contents are 4+ years old, they are a very wise purchase. Such service contracts provide you with discounted repairs and replacement services if your appliances/systems break down due to normal wear and tear, such damages are typically omitted by homeowner’s insurance. At the end of the day you save more money if you pay premiums for a warranty than if you pay for a repair/replacement job.
If you are worried that a home warranty is going to be expensive, we earnestly encourage you to use our website to get a free quote. You’ll be surprised to find that there are some companies that sell warranty products at compelling prices, some even at zero deductible rates. You can also browse through our site to compare plans and their features. While you are at it, don’t forget to take a look at top ten companies and our annual home warranty award winners!
Our readers are welcome to reach out to us should they have any questions or concerns. We hope that you found this article helpful and informative. Thank you!
American Home Shield, the nation’s largest home warranty provider, announced that it has launched a new website to help first-time homebuyers. While there are many resources available online, the new website, FirstHomeResources.com aims to be a one-stop shop for consumers ready to buy their first home.
A recent survey from the National Association of Realtors (NAR) showed that owning a home is a high priority for 51 percent of renters. With this kind of figure, it is apparent that more help is needed for anxious first-time home buyers who will be hungry for thorough information. FirstHomeResources.com is a comprehensive website for home buyers who are scouting for information online.
Speaking on this initiative, Philipp von Holtzendorff-Fehling, Chief Marketing Officer of American Home Shield said “American Home Shield’s mission is to make home ownership easier and this website is just an extension of that mission”.
He said purchasing a home is a complicated and daunting process for first-time homebuyers as it requires significant planning and research efforts. The company has built this website as a free resource to help future homeowners navigate the pitfalls and prepare for the unexpected.
We at HomeWarrantyReviews.com, present a comprehensive review of the new website.
At first glance, the site looks amicable and contains menu bars for easy navigation. Here are the menu choices and a closer look at the features offered.
This section introduces you to homeownership, its benefits and responsibilities and how owning a home can build equity when compared to renting one. As a first-time homebuyer, it is important that you recognize the nuances of a buyer’s market. Also in limelight are the most vital aspects of buying such as mortgages & creditworthiness, as well as the credit score system, affordability and mortgage plans.
It then moves on to explain the home market and types of homes to look for. “Planning your Search” section provides insights on working with a real estate professional in finding a home. This area stresses the fact that the Internet is the best place to research and gather relevant data.
You can also download a complimentary copy of the “First-time Homebuyer Guide” which contains key tips and checklists to plan your purchase and move.
Making a purchase is probably the most crucial juncture in fulfilling the dream of owning a home. This segment covers diverse aspects surrounding the deal. From hiring an inspector to helping you assess the pros and cons of a property, to shopping for mortgage and more, detailed purviews are provided here. This section also covers the value of a home warranty and traditional homeowners insurance along with the benefits of those services. For a homeowner, a home warranty can provide important protection against unexpected expenses when covered major appliances/systems break down due to normal wear and tear.
If you have struck a happy deal with the seller and are settling down, refer to this section for links and websites to help homeowners. While many websites listed are primarily the services offered by Service Master, this section also covers some external websites.
This area gives an opportunity to enter a drawing to win iTunes gift cards from American Home Shield. Two $50 gift cards and one $500 gift card will be given away each week and an additional $3000 winner will be drawn monthly. The sweepstakes is open now through 10/31/13.
American Home Shield is a subsidiary of The ServiceMaster Company and is the industry leader in the home warranty industry. Founded in 1971, AHS services more than 1.3 million customers across 49 states in the US. The Memphis-based company employs approximately 1,800 employees and has a national contractor network made up of over 10,000 independent home-service contractors.
With a global network of more than 7,300 company-owned, franchise and licensed locations, Memphis-based ServiceMaster is one of the world’s largest residential service networks. The company’s high-profile brands are Terminix, TruGreen, American Home Shield, ServiceMaster Clean, Merry Maids, Furniture Medic and AmeriSpec.
Disclaimer: The information provided here is to educate homeowners with the latest industry updates. We are not advising for or against any of the above companies.
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.
This video will help you compare home warranty companies.
The Illinois department of insurance issued a warning earlier this year to its residents to avoid a Florida based home warranty company Arkidus Home Protection, Inc. Arkidus had been unlawfully advertising home warranty services via the internet to residents of Illinois and in many cases there were documented incidents of these consumers who purchased a warranty not receiving the services promised to them.
The company and its owner, Reinaldo “Ray” Berges has previously been served with a cease and desist order by the Illinois Department of insurance, but continued offering service coverage for household appliances and major system components. The company had its headquarters in Miami though more recent reports suggest that office has been closed for many months.
The company has not been granted any certificate of authority to sell insurance or home warranties to the consumers in the state of Illinois, thus the cease and desist order from that state was issued. This unfortunately may not help recover the money lost by the Illinois consumers who purchased home warranties, also referred to as residential service contracts or home service contracts.
According to the Better Business Bureau (BBB), The consumers have launched over 245 complaints against the company in last three years. BBB indicates in its report that Arkidus conducted its business through a website, www.theahp.net.
BBB is a non- profit organization more than a 100 years old functioning in U.S and Canada. It collects and provides free business reliability reviews on over 4 million businesses. The BBB plays the role of an intermediary between businesses and consumers. Though it is not mandatory for any firm to get accreditation from BBB such accreditation is sought by some companies in order to build faith in their business. Arkidus is not accredited by BBB and thus the amount of involvement BBB may have had with Arkidus’s customers would have been limited to collecting and documenting complaints and then reporting complaints to the company. For further recourse consumers who have complaints against Arkidus would likely need legal representation or assistance from consumer protection entities.
According to publicly available information Illinois’s Department of insurance has also received many complaints from customers of Arkidus who allege they have been tricked by that company and were unable to obtain reimbursements for their claims or their canceled contracts.
The complaints from consumers are also publicly available on various websites. One such complaint posted online was from Jose. E who is a resident of Florida. In his post he said, “This Company is a scam. I started service with them in May, and they will not honor their policy. I keep getting calls from companies that were dispatched by them. I needed a plumber and an electrician, and both have been harassing me with the remainder of their bill, even though I paid my deductible. Do not purchase anything from this company, they are frauds.”
Arkidus appears to have ceased doing business but for a time the company was successful persuading customers to pay long term contract fees, in some cases for terms of two years or more. These customers spent thousands of dollars in some cases, all of which they now face losing forever. If significant legal action isn’t taken against the owner of the company it is unlikely that consumers will receive any reimbursement and this whole story will end sadly. Hence we warn our readers to be cautious about choosing home warranty companies with very little business history, no matter how positive the early reviews of the company may be.
If you suspect you are dealing with the wrong people already or believe you too have been scammed do not delay making a formal report to the appropriate agency or agencies. Both at the state and national level in the U.S. there are free and fast ways to make your voice heard when you feel you’ve been misled by a business or been the victim of a scam. The important thing is to act quickly and not give up if you feel your complaint is being documented but not being acted upon.
2-10 Home Buyers Warranty is in the process of launching Green Advantage Warranty as part of protection assurance programs for new and upcoming green building initiatives.
The 2-10 home appliance warranty company offers Green Advantage Warranty to builders who meet eco-friendly standards. Builders need to build homes that fulfill the requisites of Energy Star, National Green Building Standard (NGBS), or Leadership in Energy and Environmental Design (LEED) standards.
Green Advantage Warranty includes repairs and replacement of Energy Star certified products and appliances. Coverage includes the replacement of green labeled items, engineered wood products, sustainably harvest lumber, low or no emission finishes and recycled products with accordance of applicable national certification standard.
Scott Cromie, Chairman and Chief Executive officer states that “With one in four homes now certified by green building standards, it is clear that home buyers want a more eco-friendly home, and that offering warranty protection that targets these values offers builders a clear competitive edge,” and also reports “Our new Green Advantage Warranty represents 2-10 Home Buyers’s Warranty commitment to greener business practices, and celebrates the home builders and home buyers who want a greener home and lifestyle. We’re proud to offer a product that meets these standards, while continuing to provide the same leading, trusted protection our company stands behind.”
Builders interested in participating are encouraged to call 877.777.1344 for more information. You can register to 2-10 HBW Green Advantage Warranty, just by adding up a minimal additional fee over the existing standard rate. It is as simple as checking a box next to the certification standard on 2-10 HBW’s Home Enrollment Application.
Green Advantage Warranty is an added policy to the company’s existing home warranty package, including one, two and ten years of coverage offering for new construction home builders. Company’s 10 years warranty covers structural warranty defect. Under the policy of 1-2-10 warranty one year of surety coverage of workmanship and materials. Two years of warranty also covers on systems.
About the company
2-10 Home Buyers Warranty® is in market for more than 30 years, now the company has offered customers and their homeowners the most comprehensive warranty program available. Whether you’re building, selling or buying a home, 2-10 Home Buyers Warranty offers a complete line of warranty, service contracts and risk management products. Since 1980, 2-10 Home Buyers Warranty has provided warranties and service contracts for more than 5.5 million new and pre-owned homes.
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HVAC appliances are one of the most vital components in a home. Naturally, unexpected crashes and breakdowns of HVAC units disrupt a peaceful living. And once they crash, boy! They are really expensive to repair (or replace).
Any homeowner, in his right sense would therefore make sure that the heating, cooling and ventilation units are well taken care of and maintained. For all of you who are wondering how to extend the life of your HVAC appliances, this checklist is just the right thing for you!
Yes, all HVAC appliances will do well if you give them some basic cleaning every month. Ensure that you do the following two steps at least once a month.
The U.S. Dept. of energy advises homeowners to carry out a maintenance routine at least twice a year. This ensures that the power consumption is optimized and hazards are avoided. Here are the steps that you should carry out yearly to ensure healthy running of your HVAC appliances/ systems.
If you think that these tasks are difficult and that your warranty plan will save you, here’s some incentive for you to get going in the right direction.
Home Warranty Companies usually DO NOT cover damages caused due to lack of maintenance. Which means that if your system stops working and the technician diagnosis says that the damage was caused due to lack of maintenance, your claim may be denied.
If that is not compelling enough, here are some more things that will happen if you are careless about HVAC maintenance
Appliances and systems in our home and around us help us lead a happy and easy life. So it is only fair that we do for them at least a fraction of what they do for us. Take good care of your appliances, don’t use them roughly and above all, purchase a home warranty plan to protect your budget against unexpected appliance crashes.
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With over 185,300 active Realtors in Los Angeles, selecting the right one to assist you with the sale or purchase of your home can be daunting. You will want to find someone who is proficient in buying or selling homes in your surrounding area in L.A as well as in your price range.
Below is the list of the top 5 Realtors in Los Angeles by their gross sales volume in dollar amounts and some other relevant information so you can feel confident when making decisions about buying or selling your home.
For more than three decades, Brad has focused his attention on helping families attain their goals of buying or selling a home in North Hollywood, Studio City, Burbank, Glendale, Tujunga, Panorama City, Sherman Oaks, Valley Village, West Hollywood, Van Nuys, and the wonderful and diverse surrounding areas. He listens to his clients’ needs patiently and then puts together the best strategies for reaching the results they want. He believes that true success comes from making objectives for what matters most in life. Whether he is with his family or assisting his real estate clients, Brad enjoys positive results owing to his unique ability to visualize a goal and make an effort for achieving it. This determination is what continues to take his career as a realtor to new levels of success. With over three decades of experience, Brad is an unmatched resource for all things from the real estate market to community services.
An alumnus from California State University-Northridge, Brad’s specialties include home sellers, home buyers, 1031 tax deferred exchanges, short sales, investment properties, first time home buyers, bank foreclosures, multi- residential homes, single family residences, condominiums, townhomes, downsizing, and relocation. The owner of The Brad Korb Real Estate Group, Brad and his team of realtors have attained an incredible success for clients by offering services that go well beyond the average realtor. “We are very excited to have been endorsed by real estate mogul Barbara Corcoran, from Shark Tank, and also being ranked #1 locally by Wall Street Journal.” He believes that relationships with clients are based on accountability, dedication, loyalty, and clear understanding of client needs. There are three teams within the Brad Korb Real Estate Group. The listing team members concentrate fully on marketing client’s homes on every available marketing podium such as Internet, TV, and Radio. The buyer’s team is elite coached and sell up to 10 times as many homes yearly compared to an average realtor. The concierge team manages internet inquiries and phone calls along with the chat service on the website. Besides, Brad is also an owner of RE/MAX In Action and Civic & Social Organization Professional. He has received the following real estate industry awards:
Additionally, Brad is also proud to hold the following certifications sponsored by the National Association of Realtors (NAR):
Brad’s interests include spending time with family, fishing, reading, Los Angeles Dodgers Baseball, Los Angeles Lakers Basketball, traveling, reading, concerts, and working out.
When you and your family are set to make the important decision to move, contact Brad Korb who is always focused on What Matters to You.
Jesse Weinberg is widely acknowledged as one of the Los Angeles’ leading realtors, focusing on the highly competitive Westside neighborhoods. With over a decade of experience in Playa Vista, Marina Del Rey, Playa Del Rey, and Venice, Jesse is a well-recognized member of Southern California’s brokerage community. He analyzes 20-30 new properties in person each week and can locate just the right home to match any search standards or set a precise value for a sale. His background in Business Administration and a decade of sales experience results in innovative strategies that make the most of his clients’ opportunities and aid them to reach their financial goals.
Jesse’s track record is unrivaled – he has sold more properties in Marina del Rey than any other agent for the last 5 years in a row! He believes that every client and every property is different, yet his goal remains the same: to surpass expectations in the course of a transaction as he works toward a preferred price and time frame. A Licensed Real Estate Agent at Keller Williams Realty, Jesse and his skilled team of realtors have built a thriving real estate empire. Jesse Weinberg & Associates delivers impeccable service and has effectively sold and leased more than 600 properties in the last decade with a very high customer service rating. The team has represented over 700 sales and 300 lease transactions – directly benefiting their clients by saving them time and money. The seasoned real estate experts provide a robust database of skilled buyers, sellers, landlords, and tenants to the clients, resulting in a seamless offer-to-close process, shorter listing periods, and access to off-market opportunities. Jesse’s passion for real estate has earned him the following:
His specialties include Buyer’s Agent, Listing Agent, and Property Management. His loyalty and amiable attitude have led to a network of repeat and referral business. He is well-read and keeps up with the latest market trends and economic news. His transaction volume each and every year surpasses the last!
Danny brings over two decades of experience to every transaction, where he focuses in the Greater Los Angeles area from Downtown to the beaches, North Hollywood, West Hollywood, Beverly Hills and everything in-between. As a motivated Realtor and Associate Manager, his proficiency has led to a lucrative and productive sales career with special emphasis on single family and condominium sales. Danny and his team always look out for clients’ best interest and deliver exceptional customer service in all areas such as marketing, escrow, and inspections. A consistent leader and a top sales producer, Danny is in the top 2% of all Coldwell Banker agents countrywide. Before moving to Coldwell Banker, he held a position as a commercial real estate agent with Silverstone Development Group, focusing on sales and leasing of commercial properties.
Danny accomplishes his goals by ensuring each property has a separate Business Plan on how, why, and to whom he is going to sell to. “It is specific, targeted and deliberate. Our specialization and full Business Plan marketing approach to selling property is a dedicated approach that is effective and relevant in today’s real estate market. We consistently win recognition from our peers and earn accolades from our Clients,” says Danny. His specialties include Representing Buyers, Representing Sellers, First-Time Buyers, Short Sales, Foreclosures, Relocations, Luxury Properties, Commercial Real Estate, Rentals, Condos, Resorts and Second Homes, Lease-to-Owns, Investment Properties, and Appraisals. His sprawling network, unmatched client service, outstanding sales production, and proven marketing tactics have made him recognized by Coldwell Banker from 1996-2012.
An Alumnus from Santa Monica College, Danny’s interests include reading and jogging. His professional appearance, integrity, communication and negotiating skills would ensure you a smooth and stress-free sale or purchase. “Relationships are about connecting, and I invite you to contact me about your real estate needs”.
Selecting a right real estate agent is the first step in purchasing or selling a home. Fredy Rodriguez has been a licensed real estate agent in California for 15 years and is present with Fanthom Realty. Fredy’s coverage area includes Cathedral City, Coachella, Desert Hot Springs, Indio, Palm Desert, Coachella, Garnet, Palm Springs, and Thousand Palms. A top real estate agent listing website ranks Fredy as one of the top 2% of agents in Cathedral City for effectively selling homes and as one of the top 8% of agents for single family homes. “From suggesting mortgage lenders to explaining signing papers, I am here to make this normally daunting experience a smooth and successful transaction. My goal is to assist you in finding that perfect home.” Whether you want a big backyard or a 3-car garage, Fredy and his team find you that special property.
One of Fanthom Realty’s leading realtors, Fredy is recognized as a hardworking and trustworthy individual whose passion is to assist his clients in real estate transactions from inception to conclusion. Through his hard work and willingness to learn, he continues to beat his own records, year after year. His specialties include short sales, foreclosure, buyer’s agent, first-time buyers, and investors; financial (loans), and life insurance. Equipped with sufficient knowledge and expertise, he has received several awards and recognition such as:
Fredy’s credentials and certifications include the following:
An alumnus of Palm Desert Community College, he is interested in networking with other realtors and seeking clients to assist them in the home buying and selling process. Fredy runs by his slogan “Under Promise and Under Delivery”. His only purpose is to earn referrals which are the life of his business. Contact Fredy Rodriguez if you have any questions or concerns about financing options, current listings, or the market in general.
Lynette Williams has been a full-time real estate expert since 1997. As a practicing attorney, she specializes in real estate sales, development, and construction. Her other areas of practice include estate planning, contracts, and business structures. Her previous experience as a financial analyst, an insurance agent, and marketing coordinator gives her the talent to assess your real estate needs including financial analysis, tax strategies, legal ramifications, insurance requirements, and marketing strategies. She has also served as an officer in the United States Army. A graduate of the University of Florida and the University of Florida College of Law, Lynette’s goal is to offer the first-class service and build long-standing relationships with her clients. She works meticulously with the highest standards of professionalism to serve her clients’ needs. By implementing new tools and techniques and incorporating innovative concepts, she assists her clients to get the most of their home in the minimum possible time.
Lynette’s real estate record epitomizes her commitment to her clients. She has a record of selling more than 97% of all her listings with them being on the market an average of 19 days. 51% of all her sales have come from listings. She is equally dedicated to working with first-time buyers and buyers moving from their present homes. She especially comprehends the needs of the first-time homebuyers and is focused on their long-term real estate dreams. While most realtors look for new business from the general public, Lynette focuses her time on her existing clients and referrals. She has obtained the following designations and certifications:
Lynette lives in the Los Angeles and loves going to movies, flying airplanes, real estate investing, rehabbing properties, reading photography, concerts, plays, and dining out. She is a member of the Beverly Hills/Greater Los Angeles Association of Realtors, National Association of Realtors, Los Angeles Bar Association, Toastmasters Int’l, and the California State Bar Association. Lynette is also involved with the 99s Club and the Los Angeles Area Chamber of Commerce.
Skeptical about home warranty? Leading home warranty review, rating, and comparison website, HomeWarrantyReviews.com has introduced Home Maintenance Calculator which allows customers to estimate costs involved in maintaining a typical American Household. The tool is absolutely free of cost and hence fascinates many potential home warranty customers. Also, there is a widget code (<iframe src=”https://www.homewarrantyreviews.com/home-maintenance-widget”></iframe>) for the home maintenance calculator tool to put in your website or blog post.
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.
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
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.
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.
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.
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.
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.
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.