Home Warranty Complaint Resolution: Turning a Negative into a Positive

Here at HomeWarrantyReviews.com we deliver thousands of new, free-to-read, customer reviews and ratings of home warranty companies each year, along with several Complaints.  Best of all, we don’t charge companies or our website users anything for those reviews and ratings!  Our service is still free after nearly a decade online, and we’re proud of that.  Our readers have come to know us as a place where a home warranty shopper or customer can find what they need on the internet.  Our reviews are objective, and though we do edit them to ensure that fake reviews or ones which lack value for readers don’t clutter up the website, we never make it possible for a home warranty company that is not keeping its promises to customers to cover that up by paying to have negative reviews hidden or removed.

CRP- How it Works!

 

We keep things real here, and our readers can tell by the mix of positive and negative reviews for each company.  And whether you’re posting a review in order to have your voice heard or shopping for a reliable home warranty company, the work we do here and the value we provide through our free service is immediately impacting tens of thousands of homeowners.  Reviews are only part of the way in which we help our readers and the home warranty companies who keep the industry alive and growing. That’s what keeps us doing what we do.

One of our lesser known services is our Complaint Resolution Program, and it not only serves customers in need of a way to resolve their negative experiences but also helps companies manage their online reputation, ensuring that the occasional mistake by one of their employees or contractors doesn’t result in a lost customer.

The Complaint Resolution Program is extremely simple for both sides of the relationship between the home warranty company and the customer.  There is absolutely no charge to use it, and there’s no obligation on the part of the company or the customer to use it.  It’s the best of both worlds.  But how does the Complaint Resolution Program, or CRP as it’s also called, work?

Making the problem known to someone who can help is how CRP works.

If you’ve visited many reviews websites online today then you are probably already aware of the trend toward companies posting responses to customer complaints.  Sometimes these responses appear to have a real, positive effect on the customer’s level of satisfaction.  A company might not have been fully aware of the problems the customer encountered with a home warranty claim or another service.  The company might have had a bad apple that poorly represented them to the customer or mismanaged the claim process.  Anything can happen after all.  So responses from companies sometimes lead to meaningful reactions between the parties, and problems get solved.  But other times a response from a company feels more like a defensive maneuver.  You’ve probably seen some of these yourself.  The company posts the same response under every negative review, and there seems to be no sign of resolution among any of the reviews.

CRP Process Flow

When a customer takes the time to post a complaint on an internet reviews website, the party posting the review typically has probably traveled through the company’s various routes of complaint resolution, but not always.  At times, a negative experience begins and ends with one person on the company’s team or their repair contractor.  And those situations might be resolved in many cases with action from people at the company who are higher up in the decision-making processes.  This is where the CRP process can really help the company and the customer.

When a user posts a review on HomeWarrantyReviews.com that has a low rating, the website prompts the author of the review to decide if he or she would like to have another chance at seeking resolution of the problem.  This very simple and free, and most of all optional, offer to the consumer is where the CRP process starts.  If the customer decides that it’s worth trying once more to resolve the problem then simply selecting to participate in the CRP is a single click away.  Once opted into the program, the customer will be able to correspond through private emails, hosted by HomeWarrantyReviews.com, with the company.  And the company representative assigned to handle CRP cases will be able to help the customer, sometimes with greater problem escalation abilities than the average customer service representative.

While this process is going on, the negative review is not visible on the website.  And this part is important to both parties.  Sometimes when we’re upset we make hasty remarks.  Later we regret those same remarks.  So for the customer and the company CRP presents a cooling off opportunity in which the consumer has the chance to have a problem solved before the review is out there for others to read.  If the problem is resolved then the party who wrote it may choose to not have it posted on the website.  In that case, the company’s reputation is saved a blemish, and the customer is afforded a chance to successfully resolve a problem.  Both parties win, and neither are out an additional dollar for the service.

Building a team of problem solvers can lead to a better company reputation.

Companies that use the CRP are not just solving one-off problems for their customers.  In some cases, they’re opening a new, cost-efficient, window to customer feedback.  Any company which pays for customer satisfaction surveys or other third party consultative services related to reputation management knows how costly these services can be.  What if a company could find a way to get the same kind of feedback without an additional expense?  Now they can.

Building the CRP was all about giving our reviewers and the companies they review a more productive experience and ensuring that the good companies don’t wind up looking bad, simply because of mistakes or unidentified problems that the company should be working to resolve for future customers as well as current ones.  We set out to build something that would help all the people we serve, the companies and customers alike.  And in the process, we aimed to help even more people, particularly the ones who will have a better customer service experience as a result of companies taking an active role in learning from their customers’ complaints.

HomeWarrantyReviews.com didn’t invent the concept of complaint escalation or creating specialized teams at companies that specialize in helping the most unhappy customers.  But we did bring the missing piece to the reviews process on our website, and we believe it makes all the difference.  Once you create a forum where unhappy customers can receive help from the most specialized customer service representatives at home warranty companies then the next step is for the companies to seize the opportunity to use that forum to its full potential.  We believe that companies that use the CRP the best are ones that empower their teams to react to the complaints received through the CRP in a way that satisfies reasonable customers who have honest and fair objections to the way they were treated by the company or those the company allowed to represent them, repair contractors included.

Companies that use the CRP are in a unique position in which they can not only reduce the number of bad reviews they collect on our website but also increase customer retention.  And keeping customers is something that companies that post a boilerplate response to complaints online probably are not doing.

Participating in the Complaint Resolution Program (CRP) is easy.

Maybe you want to learn more about the CRP – Q & A and how it works to your benefit. But if you’re already sold on the idea then here’s what you need to do.

If you are a company representative then you can send us an email at [email protected], to address your queries for CRP enrollment and we’ll help you get started with the quick setup process.  Your company will need to designate an email address to receive the CRP case notifications and new customer correspondence notices at.  And you’ll need to make sure that you have team members checking that email inbox very regularly.

If you are a customer who has had a bad experience with your home service contract or home warranty, and you’d like help resolving the problem then please use the search box below to find the company you want to be contacted by.  If that company is not participating in the CRP then you can email us at [email protected], and we will forward your request for help to the company representative we have on file.  We will also let them know that it would have been great if they’d been participating in the CRP, so your problem could have been dealt with more quickly today.

 





Hello everyone! Father’s day is just around the corner and most of you will be wondering what presents to give to the man you loved more than anyone else, your beloved dad!

Have you ever thought of giving your Dad something more useful than a t-shirt or a coffee mug with photos printed on it?? We are not saying that those gifts are not good, but we think that something more long-term would make your Dad (and your Mum as well) happy.

What’s the best gift?

Team HomeWarrantyReviews.com are huge fans of their Dads. So we reflected upon the needs that ageing dads have and came to the conclusion that nothing can show your care more than a helping hand with the household repairs.

Home Warranty

Home Service Contract as a Fathers Day Gift!

Now most of you may not be living in the same neighborhoods as your parents, so it will be difficult to rush to their help when they call you up complaining about a leaky faucet. What do you do then? Easy peasy, gift with a Home Warranty plan!

Benefits of gifting a Home Warranty

Let’s make a list of pros and cons of home warranty over other regular gifts!

Pros

  • Gives peace of mind to your parents.
  • They no longer have to worry about expenses incurred due to appliance breakdowns.
  • They get reminded of your love for them each time an appliance breaks down :).
  • Experienced technicians arrive at their doorstep which means all they have to do is place a call to the home warranty company!
  • Not a gender specific gift, it’s something your Mums will find useful too!

Cons

  • A tad bit more expensive than regular gifts like cards and t-shirts, still the purpose served is much higher!
  • No other cons

What kind of Home Warranty?

Most of the appliance warranty companies offer a range of plans that serve homeowner’s varying needs. So the happy news is that you too can find a tailor made plan for your Dad’s needs. Depending on the type of residence, frequency of repairs needed, area and age of appliances etc you can pick one that suits his needs.

If you like the idea of gifting a home service contract, we urge you to go through our website and compare trustworthy home warranty companies and their plans. While you are at it, consider getting yourself one if you don’t have a plan already!

Make your Dad’s feel special

Father’s day comes only once in a year, so make sure that you make your old man feel special. They’ve done a lot for you, now it’s your time to do something special for them. Even if you can’t afford expensive gifts or make time to spend the day with him, do give him a call atleast. Let them not feel forgotten and lonely. Remember, our fathers are God given gifts whom we should cherish and love at every chance we get. And if you are a father yourself, find a way to spend some quality time to bond with your kids.

Do tell us how you plan to celebrate Father’s Day. Cheers!!

P.S We’ve shared a pic of a famous father-son duo!




Considering that you are on a website devoted to home warranties, you may already know what a home warranty is. It is essentially a service contract that agrees to provide you with  repair/replacement services for appliances or systems in your home. Most homeowners wonder whether annual premiums are put to better use if they are set aside as emergency fund instead of being paid to warranty providers, hoping that they will come to the rescue if a breakdown happens. The question here is, what if the annual premium is paid and no claim is raised in that year? This article will address the question in detail.

Protect Your Budget

Home Warranty & Budget Protection

 

How Does A Home Warranty Work?

A home warranty company maintains a network of technicians and service vendors, who are dispatched to a customer’s house as and when a claim is raised. The customer is often charged only a service call fee and not the entire expense of fixing a damage. Here’s how home warranty benefits the homeowner

  1. The homeowner doesn’t have to step out of the home to look for a contractor.
  2. The damaged appliance(s) does not need to be taken to a repair outlet.
  3. The cost of repairing the damaged device is usually in hundreds if not thousands.
  4. Some damages are irreparable, which would call for a replacement of the entire appliance, costing a lot.
  5. Home warranties are known in many cases, to increase the sales price of a property.

What they fail to recognize is the very real potential that they will spend more than a few years’ home warranty premiums when a major appliance or system component breaks down without any service contract coverage. Don’t you think it’s worth?

How Does Home Warranty Protect Your Budget?

Many homeowners have expressed concerns about the annual premium that is paid for a year in which no claim was made by them. However, what they fail to recognize is the very real potential that they will spend more than a few years’ worth of home warranty premiums when a major appliance or system component breaks down without any service contract coverage. Minus a warranty, an average repair cost would be around $500-$1000 for a typical household appliance. Replacing would definitely cost more, sometimes several years worth of annual premiums.

As you can see, annual premiums seem like a very small fee in comparison with the amount you would have to pay if an appliance breaks down.

Let’s take an example of a typical homeowner, we’ll call him Mr. Bond. Mr. Bond believed that setting aside $400 every year for emergency repairs would make more sense than purchasing a home warranty plan. Three years into this practice, his HVAC unit decided to call quits. Mr. Bond asks around and finds out (to his dismay) that a high end HVAC system would cost around $5,800. He had saved up around $1200 and all of that wouldn’t help him get a new one.

Had the story been different and if Mr. Bond had opted for a home warranty instead, he could’ve had the replacement done at a fraction of the cost.

When Is A Home Warranty Not Advisable?

The only time it doesn’t make sense to opt for a home warranty over saving that money is when your house and the appliances in it are new. As a rule, home warranty is only recommended for folks whose house and its contents are over four years old. If you belong to this category, then the chances of your appliances or systems breaking down are low. So paying annual premium to a home warranty provider may not make sense, especially when many of the appliances at your house are still under warranty.

The Final Word

If you meet any of the conditions mentioned below, buying a home warranty will likely provide you with budget protection and not to mention, feeling of confidence. Here are the parameters-

  • If your house is 4+ years old.
  • If you are not great at DIY repairs.
  • If you cannot afford expensive repairs and replacements at frequent intervals.
  • If you do not have time to do a repair yourself or go around looking for a contractor.

If you meet any one of the above mentioned conditions, you will probably benefit from an appliance warranty. As long as you go with a company that is reputable, you should find yourself with nothing but pleasant outcomes.

If you are still unsure, we suggest that you look into our guide for home warranty buyers. Once you do that, you may want to look at some of the best home warranty companies in the country to get things started. Should you have any concerns, don’t hesitate to holler at us. Cheers!




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

extended warranty

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

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

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

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

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

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

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




A thing of beauty is a joy forever. So are plants. Having indoor plants at home or workplace adds color to your interiors, improves the quality of air and have calming effects. Since time immemorial plants have been and continue to be a subject of fascination. Ancient Greeks and Egyptians sent travellers in search of rare species of plants, and kept them indoors to prevent from harsh weather conditions, to beautify the royal spaces and to reap the never ending benefits offered by them.

Indoor plants

According to a research by NASA many benefits of having indoor plants have been proven following are a few.

  • Plants reduces stress and helps to deal with health problems such as headaches, exhaustion, coughs and eye irritation, sick building syndrome etc.
  • For people who sit and work at a computer for more than 4 hours per day, a houseplant nearby has proven to increase productivity.
  • Plants reduce the accumulation of dust on the horizontal surfaces in your house or office, and at the same time they optimise the air humidity and purify it.
  • Plants of all kinds represent a vibrant, positive, living connection to nature.

They have much more to offer than just aesthetics. Growing plants indoor can be amusing, with little care and maintenance one can grow healthy plants. Planning to get some plants indoor or already have and want to add on more? Here are few aspects to consider before buying.

  • What kind of plants do you prefer to have – tall, small, lots of leaves, flowering, bonsai, etc ?
  • Succulents, Lithops Fulleri, Pilea Peperomioides are ideal small plants.
  • Whereas plants like Ficus Lyrata, Epipremnum pinnatum, Zamioculcas grow long and look majestic.
  • What kind of maintenance would they require- are you the one who loves plants and would not mind spending time on maintenance or the one who feels “I need a plant which can take care of itself.”
  • Low maintenance plants: Cast Iron, Dragon tree, Mother-in-law’s tongue, Pothos, Spider Plant etc.
  • High maintenance plants: Orchids, Pachira and Bonsai require regular maintenance.
  • How many do you want to have – It is definitely not a good idea to bring in Amazon forest into your home, rather have a collection of carefully chosen variety to suit your space and needs.

How to choose indoor plants?

Mother-in-Law Tongue

  • Consider the space before choosing a plant. If you have bigger area you can go for slightly oversized plants. By huge we don’t mean trees. Small flowering plants, cacti, and bamboo are great for putting on a table or in other areas with limited space. Herbs are great for small window boxes. Small trees, such as braided ficus, look great in large areas.
  • If you are inexperienced at growing plants, consider getting full grown ones rather than seeds or bulbs.
  • You can choose climbers which grow well in soil as well as water like money plants/ devils ivy, ornamental cabbage, spider plant, kangaroo wine etc. They can be kept in old wine bottles or beautiful porcelain containers. These plants are much easy to maintain and look very appealing.
  • Choose plants considering the climatic conditions of the place you live in. Plants which require lots of sunlight cannot survive indoors. Lower light requirement plants can be grown almost anywhere.
  • Make sure to buy healthy plants by checking for any disease or pest attack before getting them home. Weaker plants can die fast leaving you feeling guilty.
  • Take flowering time into consideration. Different plants flower in different months. If you plan out the right selection of indoor plants, you can have blooms all year round.

Here is a list of few ideal indoor plants which are easy to maintain:
1. Cast iron plant (Aspidistra elatior)
2. Love palm (Chamaedorea Elegans)
3. Dragon tree (Dracaena species)
4. Mother-in-law’s tongue (Philodendron scandens)
5. Devil’s ivy (Scindapsus aureus)
6. Peace lily (Spathiphyllum wallisii)

Caring for your plants?

All plants need water and sunlight to survive, but different plants require different amounts of each. Species to species plants differ and their needs too, it’s better to read up a bit about the plant you own in order it take care. Here are some factors to consider to grow healthy plants.

Soil

The most important requirement for any plant is the soil unless it is an aquatic plant. Garden soil and potting soil are not the same and garden soil gets hard at the room temperature and plants cannot survive. You can easily make soil for indoor plants at home by combining one part peat moss with two parts vermiculite or perlite. Add general-use slow-release fertilizer designed for indoor plants. Indoor plants also need regular fertilizing to maintain healthy growth. A great all-around fertilizer can be added to your watering can.

Ornamental Cabbage

Water

Remember to water your plants, but do not over do as there are chances that the roots will rot. Allow the water to drain from the plant’s container. Water when the top 1 inch of soil feels dry. Pour the water directly onto the soil and avoid wetting the foliage and then empty the drip tray.

Sunlight

Place the plants in an area where they receive sufficient sunlight, it varies depending on the plant variety. Most of them require medium or low sunlight. Therefore place these where they receive four to six hours of bright, indirect sunlight. Avoid placing them near drafty windows or doors or near heat and air vents.
Indoor plants can also thrive with the help of broad spectrum lights blue, red and orange are the best for their growth.

Pruning

Pruning when required keeps your plants healthy, Pinch off dying flowers with your thumb and forefinger and remove any damaged or yellowing leaves.Remove wayward branches with secateurs if necessary.

Maintenance of indoor plants

Bonsai
Maintaining plants is no rocket science, little attention and lots of care you can maintain your plants at their best. These are some tips you should know to master the art of cultivation.

  • During some seasons plants remain in dormant stage whereas in particular season they grow rapidly. This is the time when their water and manure requirements also increase.
  • Generally leaves attract lots of dust. To clean it, for bigger leaves you can wipe with wet cloth on both sides. For smaller leaves you can spray water on them with a spray can.
  • If you notice white patches on the soil surface or leaves look burnt then it means that the plant is over saturated with water and fertilizers. In this case you can repot it into new soil.
  • Do not keep your plants under the fan or near Air conditioner/ cooler.
  • Check your plants regularly for pests and insects. If you notice a pest attack, identify it so that you can properly control it. Washing leaves with soap and water can help serious infestations.

They have been our source of food and essence of life, medicine to cure us of illnesses and lot more.Teaching your children to take care of plants can be a fun activity and they have a lot to learn in the process and develop positive qualities. Take care of your plants and they will in turn take care of you, keeping you healthy and happy.




Who does not want to own a home? In fact, the sooner, the better! But with the ongoing inflation and increased property prices, buying your own home seems like a far-fetched dream. But owning a home has benefits of its own. From creating a space that defines you to re-doing the interiors without worrying about the landlord. Or be it having privacy, the perks of having your own home are endless.

Tips-to-become-a-homeowner

The increased mortgage interests and the guarantee requirements have also made it difficult to find your own abode. But there are ways can help you earn more, save better and realize your dream sooner than before.

The Way To Dream Home

People love to own a  big home that’s cozy and have ample space for all their belongings. It becomes difficult to carry things from one place to another while staying in a rented apartment. With your own home, you have the luxury to set your dream closet and fill in the place with the most drool-worthy ideas. Buying a home forms a big part of the great American dream and we tell you ways that can help you realize the same.

1.    Climbing-Up The Ladder

We all know that the home of our dreams may take us a little too long to save up for. In such a case, investing in smaller properties and then benefitting on the increased values will not only give you a huge profit but also help you pay a bigger sum as down-payment and hence avail lower mortgage interest rates.

For such a procedure, climbing up the ladder is the way as you cannot expect to buy your dream home right away. Also, there is an added risk of losing money in case the prices drop. So, it is suggested to do your research before investing in such a plan and hire a trusted realtor who genuinely wants to help you achieve your dream.

2.    Accessing The Schemes

There are several schemes available in the market that offers added benefits to first-time buyers. These schemes can be backed by banks or the government. Thus, it is important to stay updated of all the available and upcoming schemes in the real-estate market.

Housing schemes by US department of Housing and Urban development could not only offer you lower interest rates but also have the benefit of being a first-time home buyer by offering perks on the down-payment.

3.    Save-Up

There is no easier way to pave your way to your home than saving up each penny possible. It may require a lot of effort and sacrifice but once you are able to book your own home, it will be all worth it.

Giving up on expensive clothing, dinners and parties could be an effective way to kick-start the savings. Renting a home and investing in a car that actually meets your requirement to save a little more is sensible. Finally, investing in gadgets and other valuables that depreciate in value should be avoided to achieve your goals. Enrolling in a trusted home warranty plan will also help you save on regular expenses like repair & maintenance of home and appliances.

4.    Joint Ownership

Buying a property in collaboration with a friend or a family member and paying off the debt is a good idea to avoid the hike in prices. Buying a home today will shield you from the future increase of pricing. This gives you a sense of deep relief as you know that you handled the loan mortgage terms efficiently. 

However, the terms should be clearly discussed and mentioned in the contract to avoid any future disagreement.

5.    Lease To Own

This is another effective method to own a home early. In this scenario, you rent a place on lease basis from a homeowner until you find yourself capable enough of making the down payment and can finally transfer the ownership to your name. The same can be mentioned in an agreement detailing the terms & conditions of acquiring the home on a future date.

This way, you will be living in your future home right from the beginning and will have flexibility in terms of renovation and changes in the home. Also, home warranty plans can help you save on those extra expenses by covering it for you.

6.    Family Help

The family is always here to help us out no matter what. Therefore, seeking a helping hand from parents or siblings who have saved enough is likely to be the best resort to buying a new home for first-time owners. This will also prevent you from all the added stress and assure you of no hidden terms & conditions.

You can also pay them back as per your understanding and can lend a helping hand with their needs.

7.    Secondary Job

Everyone has a hobby or a favorite job that they excel at. From cooking to playing guitar, it could be anything. Taking up a secondary job can help you cover that extra mile with ease and buy your dream home sooner than expected. Another good thing about this is that you don’t have to learn a new skill and are making extra money with what you already have.

Make Your Dream Come True

It is not easy to save enough to buy a home. Following these simple methods, you can not only save better but also realize your dream of a perfect home. You can also save money by cutting down on regular expenses like repairing appliances which failed unexpectedly by intelligently shopping for a home warranty plan. It may seem to be difficult but once you start researching, you will only discover new methods to save more every day. You will always win given the advent of the internet and it is the super highway of information.




Garbage disposal is one of the best inventions for the convenience of homemakers. They have reduced the amount of garbage to deal with making your life hassle free. But throwing in wrong things can lead to clogs, jams, blockages, odors and huge plumbing bills. With little care and maintenance your garbage disposal can be kept in best condition, extend its life and save on repairs. Here are some handy tips to help you deal better.

 What should not be put into your garbage disposal?

Your Garbage Disposal  These disposals are meant for heavy duty but you need to be careful about what goes inside and what quantity? There are some items which can clog and damage your appliance due to their fibrous and starchy nature. Here is the list of things which you should watch out for

  • Chicken and fish bones are hard for your garbage disposal and it cannot break them into  small pieces to pass through the drain and can end up damaging the blades.
  • In the never-put-down-the-disposal category are banana peels, corn husks, papers and egg shells, these are very fibrous and while they won’t necessarily stop the disposal, they will eventually clog the drain.
  • Another absolute no is uncooked rice or pasta while it passes the disposal, it can get stuck in the drain and swell, creating a really tough and expensive drain clean.
  • If the pan has leftover oil do not pour it into the disposal, the grease has the tendency to solidify and clog your entire drain.
  • Watch out for those bottle caps, baby spoons  and anything which is non- biodegradable they are a strict no for your garbage disposals.
  • Always remember to run plenty of water when you use your garbage disposal. Most blockages are caused from using less water.

What can go down the garbage disposal?

garbage disposal cleaning

  • Vegetable and fruit peels cut into smaller pieces can be easily grinded by your disposal.
  • Leftover foods can also be put down.
  • Do dispose of liquid materials in the garbage disposal, if they are not hazardous or made of primarily fats or oils.

How to maintain a garbage disposal?

Maintenance  of your garbage disposal is crucial, negligence and non maintenance of the appliance makes it ineligible for home warranty coverage. Home warranty sellers may not state these factors clearly, and this will create dissatisfaction to you. Here are some easy tips for the maintenance of your appliance.

Not the hard way out

Do not put hard substances like plastic or bones into the disposal, they can get stuck and jam the rotating parts.

Bigger is not always better

Cut those vegetable and fruit peels into small pieces then add into the garbage disposal instead trying to push large chunks at once.

Cold water only

Turn on the cold water when the disposal is running. The waste still has a long way to go. Cold water prevents the motor, bearings and shredder assembly from overheating.

Citrus for the odor

Dispose some citrus fruits like orange and lemon to keep your disposal odor free. For stubborn odors pour baking soda into the drain and let it set for several hours before running the water into it.

Ice will do the trick

Grind up a tray of ice cubes once in awhile to keep blades sharp. If the blades of the disposal are worn out then consider replacing them with new ones.

 Tips to Garbage Disposal Repairing

A garbage disposal can run into many kinds of problems, some of which can be fixed easily while others may need professionals help. For safety sake never take risk if you find  the job not qualified for you to do, take a professionals help. Here are some common troubles you might encounter while using this appliance.

garbage disposal

Overheating

If you turn on the switch and your garbage disposal doesn’t even make noise, then it’s probably overheated due to overfilling and the switch might be  automatically turned off. The first step is to look under the unit and locate the red reset button and turn your disposal on once again.

Jamming

You can hear the appliance humming but still you cannot see it working, then probably it is jammed. Firstly never put your hand down into the drain and  grinding chamber, no don’t go by your instinct its extremely dangerous.

Secondly, turn off circuit breakers to the unit and then remove bottom housing to dislodge the blockage from beneath. If you find this task to be little tricky better seek professional’s help.

Clogged Drain

Food materials occasionally gets accumulated in the drain after it has gone through the disposal and cause a clog. To repair a clogged drain, place a bucket underneath the drain. Next, use a pipe wrench to loosen the fittings on the P trap. Remove the P trap. Once it’s been removed, try to locate the clog and clean it out. If the clog is not in the P trap, you may need equipments to free the clog.

Whenever you are dealing with your garbage disposal, it is wise to turn the power off at the fuse box because there is a greater risk that the switch will get bumped and the blades might end up giving you a surprise.

Home appliance warranty covers garbage disposals under major appliances, but damage due to lack of maintenance and replacement are not covered in the scheme. A bit of alertness and regular maintenance can save huge costs of plumbing and keep your appliance in good working condition, where you don’t have to juggle with the trash bin.




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

Home Insurance Premium

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

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

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

Ways to cut down homeowners insurance costs

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

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

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




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

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

Claim Denials for Right ReasonsHome Warranty Claim

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

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

Claim Denials for Wrong Reasons

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

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

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

Improve your Claim Approval Rates

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

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

The bottom Line

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

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

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




Every year, thousands of companies get sued. This is due to a number of reasons such as defective products, poor service, harm that it could cause to you or your properties and others.

Sue a Home WarrantyIn case your home came with miserable surprises like broken mechanical systems, dishwasher, air conditioner or other defects, the financial liability may not be yours alone.

Such problems may come to light days, weeks or years later, leaving you speculating whether you have to shoulder entire financial burden. Indeed in such cases, you may be able to ask the responsible home warranty company to pitch in. Home Warranty Protection Policy is designed to protect you from unforeseen repairs and if something happens to any of the items during the warranty period, the cost should be covered. Ideally, you will be able to resolve matters without filing suit in court. But this article will start by examining whether a lawsuit is possible, so that you can work your way up to one, if need be.

Dealing with a company that proves unreliable in its business practices can be irritating and stressful. If you have bought services or products that include a warranty and the company will not honor the warranty when necessary, a consumer has way out through support from the Better Business Bureau and with the law. Learn whether it is worth suing appliance service companies and protect yourself from dishonorable companies.

How to deal with a Warranty Company for Non Coverage on a Stated Covered Part in a Legal Contract?

Don’t get emotional about the issue. You should file a suit only if you exhaust all other options explained below.

  1. You will have to threaten to report them about filing lawsuit and going to the media. You will actually have to get tough with these people.
  2. Contact State Attorney General: If no response comes, talk to a local attorney with your particular facts.
  3. Contact State Insurance Agency: If your attempts to settle the dispute are ineffective, you should determine whether your case is one that should be handled by a state insurance agency or you want to pursue other alternatives.
  4. Contact BBB: After your complaint is forwarded to the Better Business Bureau, it will be reviewed, and assistance will be provided to help you receive the warranty benefits you were promised.
  5. Small Claims Court: In small claims court, the amount you seek to recover cannot exceed $10,000. In case the seller refuses to honor the warranty, you can file a claim in small claims court only if you are over 18 years old.

How to File a Lawsuit Against Home Warranty?

Suing a Home Warranty CompanyFor filing a lawsuit against home warranty company, you have to first hire a lawyer. Before you spend thousands of dollars over a few hundred bucks in AC repairs, you likely need to read your warranty, and see why the warranty company denied coverage. You must find out the basis of denial. Have them send you the reason for denial in writing along with a copy of your policy. In case the denial is legit – it’s a waste of time to file a suit because you would lose.

If you still want to file a lawsuit, you have two options.

  1. Go to your local magistrate court and file there. That’s “small claims” or People’s Court where you don’t need an attorney but have to represent yourself.
  2. If you are looking for more than the maximum amount allowed by small claims court you will need to hire an attorney. Get the policy and the letter from the insurance company with you. In case you find that no attorney will take your case then that’s a sign you don’t have a case.

If you actually read your policy you will see what your options are. Suing is not the option. If it isn’t covered, it isn’t covered!




Do you possess a home warranty program? Chances are, if you are a new homeowner, you likely do. But after you have been in your home for a year, you are likely speculating if you should renew your home warranty or not. So many families get themselves in the same situation and expectantly this article will be able to offer you some help.

Renew Your Home WarrantyIn all possibility, when you bought your home you obtained a home warranty covering a range of items in your home, i.e. roof, air conditioner, appliances, heating and plumbing systems, possibly your spa/pool etc. If you had a great Realtor he or she can get the seller to pay for the warranty. So here you are approaching date and questioning if you should renew it or not.

Consider Your Options

Firstly all you should ensure that you inspect your situation properly. This means that you must be careful not to purchase too much insurance or procure coverage for items that you don’t have. So many times, people buy coverage for things like home telephone wiring when they don’t even have a home phone or landline any longer.

How much peace of mind do you require?

For some people, they do not have sufficient money in their savings to pay for a major system repair like a HVAC system. That’s the same thing as a heating or cooling system. You also require making sure that you only purchase coverage for your heating and cooling system if you don’t need for your kitchen items and refrigerator covered as well. Or in case you are not bothered about the AC going out, you may only require coverage for your other major systems and appliances.

Should you renew your home warranty program?

Majority of first time home buyers get to the end of that first year and feel like they want to take the chance on not having a system to be unsuccessful. And the reality is, many of them won’t. But for some people anything that can happen will happen if luck is involved. So for them making the choice to renew is a no brainer.

Things to Consider When Renewing

Consider Several Factors for RenewalWe all are familiar in these economic times coming up with $350 to $600 is a lot of money for most of us. If you certainly did not have to pay for the initial coverage, then there is a doubt that you paid much attention to the cost of your home warranty. No doubt, you had to pay the $50 – $55 service call if you had one and that likely felt like a fine deal, particularly if you had something major go wrong like your hot water heater going bad. Maybe you didn’t have any service calls at all and now you are faced with this renewal expense and there’s a good chance you’re saying “I don’t think so”.

For people who reside in older house, age is definitely a factor to consider. How old are your appliances, your AC and heat pump, the filter motor for your pool, hot water heater, your roof, garage door opener and some of many other things that a home warranty can cover.

You must also factor in the additional costs of the service calls; they have a means of adding up if you have 3 – 4 of them in a year. These certainly are costs over and above the cost of the warranty itself. Study the fine print of your policy before you renew to be sure the items that you may be worried about are really covered. Some of the items you desire to be covered are not in the standard policy but are considered “optional coverage and have supplementary fees. You may have more than one surprise and can be very disappointed if you find out the warranty did not cover “that specific” item.

The additional thing, as a homeowner, you must know that if you don’t have an existing home warranty you can always acquire one. These companies don’t just cater to the new home buyer of a resale home. You can procure a home warranty any time, but you recognize that there will be a 30 day waiting period for it to go into effect.

So how do you approach the renewal question if you are about to purchase a new home warranty?

One way to deal with the query of your right to renew is to just ask the contractor you work with, whether it’s a real estate professional or a home warranty company. If the home warranty that is being offered to you for consideration does not permit you to renew without the company’s consent then you must compare that service contract to others which would allow you to renew freely. It is never a benefit to have a home warranty contract that does not guarantee your right to renew. Actually you risk a lapse in service coverage if you purchase a home warranty that does not guarantee you the permission to renew. Your next home warranty might not provide you instantaneous coverage after buying it, which would leave you with a period which any repairs required, would be 100% out of pocket.

It might appear like you are getting ahead of yourself by distressing about the renewal of contract you might not be interested in renewing. Although you just give yourself the choice of renewing you are better off than being refused or canceled renewal. Never let your policy lapse.  You can continue renewing your policy for the period of time in which you own your home, except if you have had lapses in coverage.




New York Attorney General has sued National Home Protection home warranty company and its principals over an alleged warranty scheme that defrauded consumers in New York and other states out of hundreds of thousands of dollars. The AG froze all of National Home Protection’s assets, so customers who got ripped off, can hopefully at least get back some money.

The company has been shut down for the time being and banned from selling again in New York until their problems are settled and they register with the State Insurance Department. If you signed up for a home warranty through National Home Protection, file a complaint with the Attorney General’s office.

The New York attorney general says a New York City-based home warranty company cheated customers in at least 32 states out of hundreds of thousands of dollars. Their home warranty plans promise to repair or replace household appliances and systems if they break. Pending court action, the company can’t sell any more out of New York.

Consumers with complaints against National Home Protection are urged to contact the Attorney General’s Consumer Frauds hotline at 800-771-7755. New York consumers may also contact their local regional office. Contact information about the Attorney General’s regional offices can be found online at www.oag.state.ny.us.




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.

HVAC Maintenance Plan

Plumber at Work

There are quite a few things you need to consider before you decide whether or not you need an appliance maintenance plan.

  1. Age of your appliances: If your appliances are 4+ yrs old, you may need a maintenance plan.
  2. Availability of a trusted contractor: If you don’t have a contractor you can rely upon, it is highly recommended that you purchase a home protection plan.
  3. Sufficient funds for frequent repairs and replacements: Repairs and replacements are expensive to get done. Makes more sense to buy protections plans, right?
  4. Time and skill for DIY repairs: Unless you are a contractor yourself, it is advised that you seek professional help in case an appliance crashes.

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.

What plan do I purchase?

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

  1. Budget protection
  2. Service from qualified and skilled professionals
  3. Increases value of property at the time of sale
  4. Peace of mind.

Now let’s take a look at the advantages separately

Advantage of HVAC maintenance plans:

  • Often includes annual/ half-yearly maintenance routines.
  • Discount on labor and parts
  • May help lower electricity bills

Advantages of Home Warranty plans:

  • Wider coverage. Protects more than just HVAC units. Coverage can be extended as per homeowner’s wish
  • Covers damage that occurs due to regular wear and tear and sometimes even due to lack of maintenance. This does not apply to HVAC maintenance plans.
  • Affordable and transferrable
  • Increases the value of property at the time of sale

Who needs an HVAC maintenance plan?

  • Homeowners who have no time for repairing and maintaining their HVAC units themselves
  • People who don’t have the budget to carry out regular maintenance routines
  • People whose other appliances and systems are reasonably new and well-maintained
  • Folks who require budget protection

The U.S Dept. of Energy advises having your HVAC systems checked at least twice a year. This could be expensive for some.

Who needs a Home Warranty?

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:

  • Homeowners whose homes and the components in it are 4+ yrs old
  • People who lack time and skill for DIY repairs
  • People who lack sufficient funds for costly repairs and replacement services
  • Folks who are first time homeowners

Still undecided?

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.




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

Stanley Warranty

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

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

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

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

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

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

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

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

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

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

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

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

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

What’s A Nice Homeowner To Do?

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

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

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




There are five types of warranties plans available such as manufacturer warranty, home warranty, seller’s warranty, extended warranty, appliance service contract etc. All the above mentioned terms are basically protection policies of your household appliances. All these warranty contracts are slightly different and we will get into them in just a moment. Please note that we do not cover homeowners insurance here but you can refer to the article that talks about home insurance and home warranty differences

Types of Warranties

Home Warranty

Home warranty is a service contract on your home appliances and it covers repairs and maintenance of household machinery. Home warranty plan takes care of repair and replacement of all your insured appliances by the qualified service provider. This plan is also referred as

  • Appliance Protection Plan
  • Appliance Service Contract
  • Home Maintenance Plan
  • Home Protection Plan
  • Home Appliance Insurance
  • Appliance Repair Service
  • Home Warranty Insurance

Manufacturer’s Warranty

One of the basic thing people look for while purchasing any appliance or gadget is the warranty. A warranty is a kind of assurance provided by the manufacturer for the product and if the item does not meet the expectations then the insurance provider is bound to repair or replace the product within the stated warranty period. The standard coverage is generally for the period of one year. A warranty is a legal binding which means if the seller does not stick to their words, then you can legally file lawsuits against them.

These days all the online stores and offline stores are providing manufacturer’s warranty and the original bill along with the purchased product. The products shipped are also completely sealed and as good as what you can get from retail stores. You can extend the warranty for additional years if you desire, although it is not necessary in most cases. Generally, big ticket items such as HVAC units come with 5 years warranty, but the coverage will be limited to parts only from second year onwards. That means you will have to pay for the repair service.

Home appliance warranty companies generally do not cover an equipment when it is under manufacturers warranty.

Seller’s Warranty

Seller Warranty is also known as dealer warranty. The warranty is basically provided by the respective seller or the dealer of the products. Most of seller warranties last for the period of 6 months. In case of any sort of defect of malfunction of the product, you have to take the product particularly to the seller from whom you bought it.

Extended Warranty

You have an option to extend manufacturer’s warranty when it expires. It is recommended only for those appliances that are not covered by home warranty, such as laptop, PC, TV and other electronics.

You can also extend home warranty when your original plan expires. Usually the breakdown period of appliances starts just before or after your warranty expires because of its usability. If you want to avoid such hassles of contacting repair services, extended warranty service just makes things easier

Home Service Contracts

Service contracts are also considered as agreement or protection agreements. Most of these are offered by vendors selling the appliance, a service company, or a third party service provider. Home service contractors are basically local, licensed, and insured team to provide service. The price, terms and coverage choices widely vary as these companies tend to be local service providers. The repair and customer service may also vary depending on the vendor. Make sure you thoroughly understand the contract before you sign it.

Do your homework before buying home warranties, extended warranties, or service contracts for your major appliance. Understand the “Terms and Conditions” of the contract, especially its limitations.

Make sure you know and understand:

  • The reputation of the selling agent or the service provider
  • If the agreement contains a service repair cost “deductible” clause
  • If you must get second opinions or price estimates before repair
  • If you renew annually and what is the cost to do so
  • Any repair not covered such as plastic, glass, rust, corrosion non-functional parts, and installation, wiring or plumbing corrections
  • Costs involved if you have to take the appliance to the repair shop (against being repaired in your home)
  • What happens when the necessary part is no longer available
  • Any other terms and conditions of the contract, especially its limitations

Asking the right questions BEFORE PURCHASING will prevent unwelcome surprises.




This infographic depicts the most basic definition of what a Home Warranty is all about. Although the title says that it is for dummies, we’re sure that even people with average/ above average intelligence can keep up!

Now, an appliance warranty is a form of protection your purchase for your household appliances and systems. It is a contract that offers to provide you discounted repair and replacement services should your device sustain any damages.

Home Warranty Dummies

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Coverage

As you can see in the infographic, all major systems and appliances are covered. Now that would include refrigerator, built in ovens and microwaves, washer/ dryer, HVAC units and major systems like plumbing and electrical units. Additional coverage can always be purchased, so you can rest assured that all your devices can be protected!

How Does Home Warranty Plan Work?

This is how it works. When your covered device gets damaged, you simply place a call to the warranty company explaining your situation. If the damage is not an excluded one, your claim will be taken up. The warranty company then sends a technician to your home to fix the damage.

Claims

Let’s discuss the claims part. Like we said, when you notice a damage, all you need to do is inform the warranty company about it. Did you notice that title saying “Common reasons for claim denials”? Yes it is true. Although this does not happen often, it is still noticed that companies often deny claims. The grounds for claim denial varies from company to company and can be understood only after you go through their policy booklet.

However, common reasons for denial are as follows

  • Insufficient maintenance
  • Improper installation
  • Code violations
  • Unusual wear and tear

Don’t worry too much about it. If you choose a reputable company, chances are low that your claims will be unjustly denied.

Premium and Deductible

Moving on, let’s discuss the premiums and deductibles involved. As the image says, the annual premium for most basic warranty plans are somewhere in the range of $250- $500. This can vary depending on the extent of coverage. Larger the coverage, higher the premium.

Each time you raise an issue, you will be expected to pay a deductible/ service call fee (it’s nominal, around $50). The happy news is that there are some companies offering plans at zero deductible.

So there! That’s what the infographic is all about. Isn’t it an awesome image? Cheers!




If you are someone trying to sell your home at the best possible price, you’ve landed at the right place! Many homeowners face a lot of hurdles when trying to sell their property. We understand that it can be difficult especially if potential buyers start low-balling the price. In today’s times, it sometimes makes sense to hire a real estate agent specializing in selling homes to make sure that your home gets the right buyer. However, picking the right real estate agent could be a task in itself.

We’ve got some great ideas about how to sell homes faster. Take a look at some of the points discussed below to know more!

Sell Your Home Faster

Five Hacks To Sell Your Home Faster!

 

Make The House Look Pretty

While the sentence sounds simple, a lot of effort goes into making a home look warm and inviting. Here are a few tips you could try to liven up things –

  • Give your home a fresh coat of paint. Works wonders.
  • Update the kitchen and its content. Don’t overdo it, though.
  • If there is too much furniture, get rid of some. People who come to see your home would like to walk around without stubbing their toes.
  • Make the home smell nice. Can’t stress enough on the importance of this one.

Before you conduct the open house, you can consider hiring a stager. Stagers are folks specialized in setting up your home to make it look extremely pleasing to the eye. However, if you’ve got a knack for things like this, we’re sure your skills would be more than enough.

Necessary Repairs And Replacements

Make sure everything in the house is functional. Which means you’ll have to check for leaks, faults with inbuilt appliances and even a pest control drill may be necessary in some cases. Most buyers will opt for a home inspection prior to making a purchase and if multiple faults come up in the home inspector’s report, there’s a good chance that they’ll cancel the deal.

Also, make sure that the windows are sparkling clean and broken light bulbs/ fixtures are replaced.

Offer A Home Warranty Plan

Some studies reveal that offering such a plan would not only sell your home faster, but an appliance warranty may actually increase the sales price of the property by an appreciable value. Many home warranty providers also offer seller’s warranty which is an ideal option in a scenario like this. While you may be offered suggestions, we recommend that you read and compare top home warranty companies in your region.

Also, since most plans are transferable, you can simply transfer the plan to the new owner once the sale is finalized. Many real estate agents strongly recommend offering an appliance warranty to the buyer as it not only fetches the house a higher price, but also reduces the liability of the seller and the agent. If and when an appliance related issue occurs, the buyer would call the home warranty provider and not the seller/agent.

Present The Property Well

How the house is presented to a potential buyer is a major factor which decides whether a buyer develops an interest in the property or not. If you have hired an agent, step back and let the agent show the clients around. Agents do this for a living and so they would know how to do it best. They also know what to highlight, what not to stress on and how to tackle tricky questions that may come their way.

All of this will not be possible unless you have a killer agent. Do ample research, meet many agents and ask around before you hire one to represent your home. You may want to read about how to pick the right real estate agent for you.

Price It Right

Lastly, price your property correctly. We cannot stress enough on the importance of this one. If you price it too high, most folks won’t give a second glance to the ad. Price it too low, you’ll leave potential buyers wondering whether your home has some serious issue (or worse, haunted).

A real estate agent would be the right person to guide you on how to price your property. Several things go into deciding the value of your home – locality, age, square footage, amenities, proximity to schools/hospitals etc. You may want to look at listings in your neighborhood to find out an approximate value.

First Impression Is Almost Always The Best

This proverb is more true than you’d think, especially in real estate dealings. If buyers don’t like the property at the first glance, they may not give it much consideration. Keep this in mind during every stage of the sale. We would strongly recommend that you consider offering a home warranty along with your home as the benefits are just too hard to ignore.

Real estate dealings can be hard to many, but as long as you have the right agent and the right support, it should leave both parties happy. We hope your property sale goes well. Good luck and thank you for reading this article!




An offshoot of Home Warranty, Structural Warranty is a legal agreement between the builder of the home and you – the owner. Structural Warranty functions basically in the case of new homes, wherein the builder assures that the home he has built will have no structural defects for a period of ten years after its construction. His claim is covered by the company which offers him warranty coverage for the building, at times additionally including workmanship and internal systems.

Top tips for Structural Warranty for Newly constructed homes

The system functions just like Insurance, but covers defects which may occur due to age and wear and tear, not natural disasters or unforeseen circumstances. Like the Home Warranty covers the items in a home – its appliances, wiring and plumbing systems, interiors etc. – Structural Warranty covers elements like the foundation, girders and beams, roofing, and flooring.

What is Structural Warranty?

Before the purchase of a home, it is advised for either the new owner, seller or realtor to purchase Home Warranty, in order to establish a relationship of trust and confidence in both parties involved. Just as a Home Warranty leaves the new owner knowing that his home and all that is in it is secure for at least a year after its purchase, Structural Warranty establishes the same sense of security in the buyer of a new home straight from a builder.

It is rather simple – all structural defects are now to be fixed by the company that the Warranty has been purchased from or by the builder offering the warranty himself, and as long as the terms and conditions are met, neither the builder nor the new owner is liable.

Is Structural Warranty Necessary for me as a Buyer?

We see before our eyes appliances, electrical systems and plumbing leaks occur every once in awhile – but most of the time structural damage is noticeable only after it is too late. Given that large parts of the US are known to have soil that expands with seasonal changes, statistics show that more than 25% of all buildings in the country experience some kind of structural damage during the first decade of their life, almost 10% of this being major and often irreversible.

It isn’t always about how reputable the builder is, in fact, the more reliable the builder the higher the chances are of them investing in warranty for the homes they have built. Years after a deal is signed, sealed and delivered, a matter like soil expansion that is out of the hands of both the parties can spring up, making Structural Warranty the only way to guard against massive expenditure out of your own pocket in the future. Studies show that the warranty is most often claimed 4 to 7 years after a home is built to completion.

The Builder’s Perspective

Settling Terms of the Deal

The chances of an individual investing a sum as large as the cost of a home in anything else in his or her lifetime is very slim, making this purchase one that could develop complications if not done right. Builder’s offering Structural Warranty for the home they have built can not only assure the buyer of their expertise but also give them a legal document to go back to in case frivolous lawsuits or complaints are lodged. Like in the case of any two-way agreement, responsibilities, terms, and conditions are clearly outlined.

A Middleman

If a third party company is used to establish a warranty, then any complaints, disputes or discussions will be handled by them – until the point of reconciliation. This saves time and discomfort for both parties involved, especially the builder.

Value of the Home

If you happen to be a builder with larger holdings or varied properties and houses, then the value of each building is sure to increase if Structural Warranty is added to the mix. Use it as a marketing strategy, one that is true to every word and will help you build lasting relationships with your clients.

How Structural Warranty Works

Structural Warranty functions according to the guidelines of the Housing and Urban Development department of the US, which stipulates particular criteria within which a company must cover damages. Larger builders may choose to provide their own Structural Warranty schemes to the buyer, while builders without a department to handle such claims or smaller building agencies may choose to use third-party warranty companies. Even more so than Home Warranty claims and structures, Structural Warranty coverage and insurance backing vary drastically from builder to builder and company to company. If you happen to be a part of the decision making of who to choose, make sure you do your research and pick a coverage that is extensive and appropriate to your home.

What Structural Warranty Covers

If you go through a Structural Warranty contract or guide, you will notice one important point – the extremely specific and near legal language used to describe what that particular company or builder covers. Structural Warranty owes this specificity to regulations set by the Housing and Urban Development Department of the US, as well as to the builders’ need to protect themselves from futile claims and lawsuits.

Due to each Structural Warranty being unique (much like Home Warranties state-wise laws), we will get into what the warranty covers in general. Know that this isn’t ironclad, and you have to cross check the terms and conditions with your builder.

As a whole, third-party companies offer two kinds of warranty, one which accounts for any damage to the structure of the building from the moment the deal is closed between the builder and buyer. The second stipulates that the company will only begin to cover damage to the home 3 to 4 years post the sale, implying that any structural damage before then is up to the builder to fix.
Each company usually has a base plan and other additional perks that you can choose to opt for.

The basic coverage usually covers the following:

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

The last of these, load bearing partitions, are often accompanied by the additional coverage of non-load bearing partitions. These claims are almost purely cosmetic, and certain Structural Warranty companies do assure the fixing of these, keeping in mind the original material integrity of the home.

Integral to any warranty and insurance difference, Structural Warranty doesn’t cover any damage due to natural disaster, accidents or unforeseen circumstances; anything that is covered under insurance, basically.

Lastly, any structures added to the original home – an extension, outhouse and detached garage space for examples – would not be covered. If the need is felt, the builder could then purchase a separate Structural Home Improvement Warranty.

The Cost

Individual state laws in the US tackle Structural Warranty in different ways, making the cost different in each state as well. On an average, if the basic warranty is purchased, then it shouldn’t cost more than 1% of the purchase cost of the home. In most states which are positioned in low-risk areas (minimal soil expansion, etc.), the price is only about half a percent of the home’s price, whereas in high-risk zones the price can go up to 1.5% to 2%.

When looked at it in terms of a median example, while Structural Warranty would cost anywhere between $500 and $1500 for ten years, the repair in case of structural damage could be between $50,000 and $100,000; Structural Warranty being about one percent of the estimated repair budget.

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

1. The Home Service Club

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

2. American Home Shield

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

Home Warranty Companies in California

3. Home Warranty of America

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

4. Select Home Warranty

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

5. Total Protect

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

Conclusion

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

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