Contacting A Home Warranty Contractor

Undoubtedly, consideration of best home warranty is the first step towards feeling confident about your purchase on
safeguarding your appliance.
Many things contribute to a great service experience.When insured and covered appliance breaks down or any item needs to be repaired, then a home warranty contractor comes into the picture to provide the best service.
These home warranty contractors have pre-arranged agreements with home warranty companies to provide the services.Home Warranty Contractor

What is Home Warranty Plan?

Home warranty is a service contract which promises to repair or replace your appliances once a contract is made and certain amount is paid. It is a protection plan for all your aging appliances  provided they meet the pre existing conditions specified in the contract.

Home Warranty Coverage

Home Warranty coverage policy covers all major appliances like heating, air conditioning, plumbing, electrical, kitchen appliances or any other expensive units. Either seller, real estate agent would buy the warranty and provide it as additional benefit or the home owner alone can purchase the warranty which is worth having.

If you are not sure what kind of coverage you want, check out the article – how to choose a home warranty protection plan

What is not covered?

Generally speaking outdoor items such as sprinklers, faucet repairs are not covered under all plans check with it, not all plans pay for refrigerators, washers & dryers or garage door openers, spa or pools unless specific coverage requested.

Denial of Coverage

Contractors are required to get the approval of the warranty company before carrying out the repair work. Sometimes the home warranty company may decide to deny the coverage due to pre-existing conditions clause or due to maintenance negligence reasons.

You have rights to negotiate the coverage, but sometimes small print clauses in the contract puts you in difficult situations. Hence you need to be aware of what your home warranty should cover and also very important to know what is excluded or not covered under the policy.

Causes of denial of Coverage

Your claim may be denied if the insurer determines that you have not maintained your home properly. Improper installation, code violation or any unusual pattern of wear and tear may lead to rejection of  your claim.

Procedure for Contacting Contractor

To get contractor assistance for service, you need to contact the warranty company to arrange for a service call. Once it is processed, service team will arrange one of the contractors on their list and ask them to contact you and schedule a convenient time to come and resolve the issue which involves a service charge.

If the service provider is unable to fix the problem, then it is Warranty Company’s duty to replace the item. Replacing the item normally depends on the coverage plan of the policy.

In case of dispute with contractor

Communicate with your home appliance warranty company in case of any dispute with the contractor. Home warranty contractors are being paid by the insurance company and work as per their instruction. Hence check with the contract policy terms and conditions.

Note the name of the person you spoke with, the date and a summary of what was discussed. Your notes should include the date and time of the communication, whom you spoke with, and your understanding of what was discussed regarding the denial of your claim which will help you in future correspondence and quick resolution of the issue.

Denial of Contractor Payment

In some rare cases, home warranty companies do not pay their dues to contractors. While reputable companies always honor their commitment, there are some shady companies that operate in the grey area. In such cases, contractors may approach the homeowner for payment. As your contract is with the home warranty company, you are not obligated to pay the contractor. However, make sure you do not sign any agreements with the contractors to cover such payments.

 






air conditioning system

It’s actually not difficult to tell if your air conditioning system is in need of repairs, but sometimes inexpert and inexperienced homeowners might wonder whether the air conditioner is really not working or it is all in their head. Other homeowners might feel that though their air conditioning system is showing signs that it needs repairs, it is better to look after the problem before it gets worse or before their air conditioning system stops working completely.

When summer heat strikes, the best way to fight back is to turn on your air conditioner. Air conditioning keeps you cool over the summer, and with usual maintenance, your air conditioner ought to perform efficiently even during the hottest months. In case your air conditioner is not functioning as it should, it may be in need of expert attention. You should always call a qualified repair professional as soon as you decide that your air conditioner is not working properly. To know more about home appliances check out our Home Appliance Warranty section.

An Expert Diagnostic Air Conditioning Repair includes:air conditioning repair

  1. Visual inspection of all A/C components
  2. Full system performance test
  3. State of charge and system control tests
  4. Leak test, using an approved-leak detector
  5. Dye detection test (if a slow leak is difficult to detect)

Scheduling an air conditioning repair to ensure your AC system is working at maximum efficiency is always a good idea when facing the hot final weeks of summer.

6 Signs Your Air Conditioner Needs Repairs

Some of the signs are fairly obvious, while others are more subtle. Knowing the warning signs will help you search for professional service before the problems gets out of control.

1. No Cool Air

At some point, you may find that your air conditioning system simply isn’t doing its job. Even at full blast, the air coming from your vents just isn’t as cold as it used to be – or isn’t cold at all. This could be a sign that your system is need of serious repair. For instance, lack of cool air could mean that your system’s compressor has failed. It could also mean that you’re your system’s Freon levels are too low. When that time comes, you might have to to replace the unit.

2. Poor Air Flow

If you are noticing weak or little air flow through your AC vents, the unit’s compressor may be failing. In case your areas or rooms in your home are getting cold air while others are not, then the trouble might be with your duct work and it’s a sign that your AC system needs urgent repair.

Over time, debris can get stuck in your air conditioning vents. Not only this obstructs airflow, but it also presents a health risk to you and your family. Having your air conditioner’s ducts cleaned is a great way to restore airflow and ensure that your AC system is working well when you need it most.

3. Thermostat Problems

At times the trouble is not with the air conditioning unit, but with the thermostat itself. One way to tell if your thermostat is a problem is if one part of your house is very cold while another part remains at the same temperature.

4. Moisture Where It Shouldn’t Be

water leaking from the furnace section of your AC unit.Moisture or leakage around or near your system can be an indication of problems. When you see leaks from your air conditioning system, it can mainly because of two reasons.

In the most serious cases, the leak could be refrigerant. Refrigerant leaks can cause serious health risks to you and your family and need to be repaired at once. You must call an air conditioning repair expert right away.

Water pools adjacent to your air conditioner might show that the drain tube which disposes of the air conditioner condensation is either blocked or broken. This is not as serious an issue, but should be tackled quickly to avoid less important problems like mold growth.

5. Strange Sounds

Squealing, grating, grinding sounds from your air conditioner might be a sign that you need a replacement unit. These noises imply that something is wrong inside the unit. Failure to service the unit could result in a pricey breakdown.

A squealing noise means that the belt has slipped out of place. It may also indicate that a metal component in your air conditioner requires more lubrication. A grinding sound may mean that your motor’s bearings are broken.

6. Strange Odors

Pungent or foul smells from your air conditioning vents normally means that your conditioner’s wire insulation has burned out. Musty smells generally indicates that there is mold inside your unit or ductwork which must be taken care of without delay.

In order to keep away from these issues, it is important to maintain your air conditioning system habitually. It is a costly appliance and must be cared for to add to its lifespan and lessen the need for pricey repairs.

Even if your unit doesn’t need replacement, getting it repaired or serviced can boost up its efficiency and save you money.

Most repairs on air conditioners are quite simple, but homeowners frequently avoid calling a technician as they fear a large bill. In case your AC unit is new, you may find that the repair is covered under a manufacturer’s warranty. Even if it is not, it is good to fix a small problem quickly than to delay and let it grow into a larger problem.




Home appliance protection plans are getting popular these days among homeowners. Such home warranty plans cover appliance repair costs and help homeowners with maintenance and repair services.

Home Appliance Protection Plan

What exactly is home appliance warranty plan?

Home warranty plan is a contract to insure the appliances in case of breakdowns to cover-up the repairs or replacement.

Watch this video to know the basics of Home Warranty –

Why do I need a home protection plan?

Home protection plan relieves you from unwanted stress and buys you peace of mind by providing the confidence that any repairs and replacement of your insured appliance will be taken care of by qualified service providers.

How does a home protection plan work?

In case any of your insured appliances break down, first step is to place a service request by simply calling up your insurance company. Once the request is confirmed the same is sent out to schedule an appointment. Only the service fee will be collected to determine the problem and sort-out the issue.

Are all the appliances in the house covered in the warranty plan?

Only the products listed in the insurance contract will be taken care of by the Home protection plan. Generally all major appliances  like refrigerator, washer/dryer, bathtub, plumbing systems, electrical systems, ceiling fans, water heaters and garage door opener are covered in the insurance plan. If it is determined that your insured item cannot be repaired by a service contractor, then it will surely be replaced.

Before deciding on home warranty plans and policies:

There are lots of home protection plans available in the market today. But it is not really hard to find which plan suits your requirements best, besides you just need to do some basic groundwork before deciding-

  • First you need to find out what your entire plan should cover
  • How much do you prefer to invest on the warranty plan?
  • Find a suitable home warranty company that offers the kind of plan you are looking for at a particular price to invest on.
  • Go through the policy booklet and fine print of the company contracts
  • Do check whether the policy has any pre-existing condition exclusions and if so what those conditions are
  • Does the company add up any additional fee on repair or service charges?
  • Will the appliance be replaced or repaired? Will they replace items with new or used items?
  • Check company’s response time obligations. Generally it is within 24 to 48 hours for non-emergency repairs.

These are all the questions that you need to find the answers to before purchasing a home warranty policy.  Some company policies cover only certain appliances while few are expensive. You need to be clear on all these issues.

Once you are certain about which plan suits your needs, compare the policy premiums and ensure the coverage plan. Finally, make sure the home warranty  company is available 24 hours a day, 7 days a week, including weekends and holidays, so they are there when you need assistance. You can find such companies in our home warranty company directory. A home warranty company should have a toll-free number so it doesn’t cost money to call. Ensure that the customer support is available on easy track so that it helps in fast communication and service. Sign up with a company that has all the above mentioned facilities.

Planning to buy a Home Warranty policy? Watch this video –

 




Extended home warranty provides warranty coverage for major home appliances after the manufacturer’s warranty period is completed.

Buying the home warranty, avoids unnecessary stress and to assists you in peace of mind. It is truly a best insurance for your investment. The costs are very low compared to repair bills of any of your appliances.

Extended Home Warranty

Before deciding on extended warranty

Homeowners are generally provided with home warranty coverage along with the purchase of new house by the seller. But when your original home warranty expires, you have the choice of extending your existing warranty. Before deciding on extension of home warranty it is essential to know whether it is really beneficial to consider the warranty to continue hence let us find the facts on this issue.

Cost consideration on home warranty

The basic home warranties are available at about just $400 per year. Let us assume that the warranty period has expired on any major appliance where the device may have lost manufacturer’s warranty.  Just an initial visit may be charged minimum of about $50 to $100. Repair companies will also bill on an hour basis, for the first hour they may charge you about $50 to $70 and sometimes the subsequent hours will be charged less but varies from case to case. Addition to it you are expected to pay for the repair job.

Planning for home repairs is not predictable. Charges on repair job will differ depending upon the system, duration of time since how long you are using the device. In the usual cases home warranty policies covers up the equipments insured for the period of one year once the warranty is about to expire you can just extend the home warranty just by additional payment and renewal of documentation on what all appliances the policy should cover.

Importance of extended home warranty

Extended home warranty can surely help homeowners in leading stress free life and saves tons of money. It is realistic if you have been repeatedly spending on maintenance and repairs. 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 you are already guaranteed of competent and licensed repair company.

If you calculate, you will surely save thousands of dollars on all the possible repairs, this is quite a big amount of money that you have to set aside if you choose not to opt on warranty. At the end of each passing year you would get a clear idea on how much you need to pay on the renewal of your policy to extend the assurance. There is no need to search for fresh home warranty companies to renew the scheme you can just pay the extra amount and set your life in calm. Any unexpected issue will also be taken care of such companies hence it is truly worth to invest money in affording extended home warranty plan.

Based on your choice, these policies can be extended online or in person. You may be able to find better deals on home warranties online. On the other hand, a benefit of this is that you can take your time to make up your mind without salespeople constantly pestering you. You do not even have to browse the pages of your directory and call them one by one to ask for availability, if you have this service. All it takes is one call to make your life simpler and relaxed.




Spring Lawn Care

An appealing lawn counterparts the rest of the garden and makes the whole garden seem fantastic. Spring is the best season to repair your lawn and sort out problems. It is the best time to spend less effort getting it into shape-mowing the grass, nourishing with a lawn fertilizer and dealing with ugly weeds, moss and bare patches.

The most cultivated plant in the world is the grass that grows in your yard. In reality, almost 18 million acres of land is landscaped with grass in the U.S., as per the EPA (Environmental Protection Agency). Americans are so infatuated with keeping their lawns green that they together dump 70 million pounds of fertilizers and pesticides on it every year and use 30% of all obtainable water on the East Coast irrigating it.

In case you have not begun organizing your lawn for the warmer months, now is the time to begin. Prepping your lawn now ensures that your grass will always be greener in the coming spring and summer.

6 Tips for a Healthy and Beautiful Lawn

Here are some handy tips to make sure your lawn is looking its best coming into spring. The secrets of success to a great looking lawn are:

Aerating SoilAerate Your Soil

This will be most imperative the first few seasons when you choose to get your lawn off chemicals and treat it organically. Aerating removes inch-long plugs from the lawn to let air and water into the soil. When you aerate for the first time and inspect the plugs, you will observe that the soil near the grass roots is thick and possibly clay-like when it should be dark brown and crumbly.

Regular Mowing

MowingThe most essential lawn care job for a wonderful looking lawn is correct and regular mowing. You need to cut the grass whenever it’s growing – which is probably to be weekly or even more often as the weather warms up in spring.

The plan must be to keep at the same height all through spring. For most lawns this must be about 2.5-4cm (1-1.5in) high. For lawns that take a lot of wear and tear the height is better raised to 5 cm (2 in). For shaded areas, it is advised to mow at a height of 7.5cm (3in).

Mowing too short and as a result weakening the grass, is the easiest and quickest way of letting weeds and moss to become established and spoiling the lawn.

Lawn Feeding

Lawn feedingNext on the priority list is feeding the grass, and a good range of lawn feeds will produce a lawn to boast about.

A good feed with a lawn fertilizer, not only makes the grass greener, but makes it grow thicker and enhances its strength, vigor and health. Good feeds also make the grass more robust and better equipped to compete with weeds, moss and weather-related stresses. In spring, best results are achieved by making use of a granular feed that supplies a usual amount of nutrients over some weeks.

When using a granular lawn feed it is vital to apply it evenly over the whole lawn at the suggested rate. The simple way to do this is to use a lawn spreader, such as the built-in spreader in the smaller sizes.

If you feed the lawn again in 6 week’s time it will stay strong and healthy all summer.

Treating mosses and weedsTreating Weeds and Moss

Lawn weeds are the main headache that can prevent you getting pleasure from your lawn. A strong, healthy and well-fed lawn will be able to deal with moss and weeds far better than one that is not looked after and fed properly.

You need to deal with weeds and moss promptly. You should do a treatment that builds up the lawn’s resistance to drought, heat and other stresses. Where major moss or weed attack is a trouble, dealing with them with an extra application of liquid weed killer can produce excellent results.

Deal with Bare PatchesDealing with Bare Patches

After the damages of winter, many lawns have bare areas that not only appear ugly, but are perfect places for weeds and moss to occur. Give your lawn a treat by giving it the unique combination of grass seed, coir and slow-release feed that will cover bare patches in no time and produce a thick grass covering of the bare area.

Overseeding lawnOverseed Your Lawn

Each year up to a quarter of the grass in the lawn can die, more after a cold, wet winter. Overseeding- planting new grass seed into the existing lawn – can revitalize the lawn and bring it back to life.

By increasing the density of the grass, overseeding enhances lawn’s appearance and reduces weed and moss invasion.

Few More Hints and Tips for Better Lawns

  • Cut the edges of the lawn whenever you mow to keep crisp lines that evidently show you care for your lawn.
  • Cut lawn edges with a half-moon edging iron to make sure they appear neat and well shaped.
  • Scarify with a spring-tine rake to take out dead grass, thatch and other debris that will or else prevent healthy grass growth.
  • On heavy clay soils, aerate the lawn in early spring with a hollow-tined aerator or garden fork to improve drainage and help lessen water logging issues and make grass grow better.
  • Add a top dressing after aerating to further improve drainage and enhance grass growth.
  • Water the grass thoroughly and ensure that the roots are also watered.

This simple lawn care program will give you a lawn to be proud of, keep it in perfect condition and make friends and neighbors green with envy!




What’s it like right now out there for home sellers?  Well, for one thing, despite the wild gyrations of the stock market over the last several months, houses are still being sold.  Not only are houses selling but many regions are showing signs of solid home value increases as inventory hits a bottleneck.  This is the good news.  The not-so-good news is that parts of the western U.S. are not enjoying the rising sales prices.  As homes in those parts of the country stay on the market longer, sellers find themselves in competition with other home sellers.  And that leads to knocking prices down or making other costly concessions to close a sale.  If that sounds like your situation then what can you do?  What can any seller do when a house doesn’t sell as quickly as desired?  The answer to that question is many things.  But one thing in particular is relatively inexpensive and easy to accomplish.  That one thing is buying a home warranty.

Home Warranty

Home warranties have not exactly been praised in recent years, so it might seem unlikely that anybody will see these contracts as a big plus.  But that’s a widely adopted misconception and one that deserves some closer inspection.

I asked the founder of the home warranty industry, American Home Shield, to help me understand why their customers involved in real estate sales are choosing to cover their listing periods and buyers’ first years of ownership with a seller provided home service contracts.

Lisa Rice, National Vice President, Real Estate Sales at American Home Shield answered the call for information with some details that real estate professionals and home sellers may want to consider when deciding whether or not to buy a home service contract.

What types of home warranties are available to home sellers right now?

American Home Shield offers different levels of coverage for homeowners in any number of situations. Sellers can offer any of our AHS packages to the buyer at closing – Shield Essential, Shield Plus or Shield Complete.  Shield Essential, for instance, provides comprehensive coverage to a seller on their “essential” systems that could fail during the listing period.  Further, a seller’s portion of coverage is paid at “closing” – so there is no up-front out-of-pocket expense to the seller.

What is the average cost of these contracts?

Our prices vary based on the part of the country you are in, but in some parts of the country, you can get our basic Shield Essential plan for less than $2 a day. The Shield Essential plans cover major appliances and home system components.

Do these contracts typically help homes to sell faster?  If so then can you cite any statistics?

According to a 2013 real estate study conducted by NRT, we found that homes with an AHS Home Protection Plan sold an average of about 11 days faster and about $2,300 more than those without a home warranty — that’s over three times the average price of the plan itself.  Also, in many states where multiple offer situations are a reality, buyers might choose to provide sellers coverage during the contract escrow period to make their purchase offer more attractive. This is a tremendous benefit for the seller.

Can you say what percentage of these contracts result in paid claims?

An American Home Shield customer uses their plan an average of two times per year. We accept and pay more service requests than any other home warranty company in the nation. In the past three years, we have serviced about 93 percent of claims. That’s added up to $1.7 billion over the last 5 years and $3 billion in the last ten years.

Lisa’s feedback helped greatly.  Even as someone working on the marketing side of the home service contract industry I still need to understand why the industry keeps growing its customer base, despite so many consumer advocates and other critics lambasting home warranties as a waste of cash.  But there were still questions that I have seen and heard from homeowners not familiar with the home warranty.  And a few of those are important to air out, in my opinion.

Isn’t home warranty something that overlaps with homeowner’s insurance?

Absolutely not.  But this is still a good point to address.  It’s a common misconception among a large percentage of homeowners in the U.S.  Truth is, your homeowner’s insurance mostly covers the unforeseeable things that happen TO your house.  Home warranty covers the things that happen in your house that is expected, even guaranteed to eventually occur.  Your insurance is a wager of sorts between you and the company issuing the coverage, their bet being that you’ll pay a lot more in than you ever get out in claims.  Home warranty pays for things that are much, much more likely to happen to almost any coverage purchaser, things like dishwashers wearing out and refrigerators needing replacement.  This is where the common complaints about home warranty are most easily linked to the nature of the service promised to customers.  Homeowner’s insurance is typically far more expensive to maintain per year than a home warranty would be for the same house.  Why?  Well, the main reason seems to be the price that customers are willing to pay.  People just don’t want to spend as much on home warranties, it would seem, as they do their insurance.  But by looking for the absolute cheapest home warranty you are practically inviting problems down the road.  Like insurance, the home warranty can’t operate profitably for the company unless more money comes in premiums than goes out in claims.  Homeowners would do well to keep in mind both the differences between homeowner’s insurance and home warranty and the dynamic at work inside the companies.  Sometimes you really do get what you pay for!

How can I find the top home warranty companies?

This one is easy.  HomeWarrantyReviews.com is the best place to narrow down the options that a homeowner has for home warranty coverage, no question about it.  You won’t find a website that has been around longer than this one, when it comes to providing unbiased consumer feedback about home warranty companies.

How do I know if I’m the right customer for a home warranty?

This is the best and first question a homeowner can ask, in my opinion, when considering a home warranty.

Do you need one?  Do you not need one?  Is it better to put money in savings or have a credit card with a good sized credit line on standby for emergencies?  Is it better to buy the home warranty?

Answering these questions can be as arbitrary as a coin toss for some people, simply due to all the uncertainty involved.  Though a newer appliance is less likely to break and may be covered under a manufacturer’s warranty, there is also the matter of how time consuming finding a qualified, reputable contractor can be.  And if you’re an investor with multiple rental properties, that time you spend calling around to find a good contractor may be greatly multiplied.

To help you with this decision, I would suggest you read this article here on HomeWarrantyReviews.com, with helpful tips about deciding whether a home warranty is something you need or not.

Author Bio

Kevin Wallach writes about the home service contract industry and works in a marketing capacity within the home warranty industry.  He has followed the industry for five years and has worked just as long to help bring customers and companies together through Internet marketing.  He also is the administrator of the Home Warranty and Service Contract industry group on Linkedin.

 




As a father of small children I’ve spent lots of time fighting in the house cleaning trenches. Many a Saturday and Sunday have been spent reversing the enemy’s advances, the barricades of dirty laundry, the diversions of dirty dishes and the assault on my allergies from dust.

I’ve learned a few things, many of which I think make housework easier and faster to tackle. You may have just as many techniques, or maybe you’re a new recruit in the battle against the mess. If the latter best describes you then suit up and grab your broom. We’re going in!

Make a list

Nothing helps with a big day of work around the house like a good list. If you don’t know what you’re supposed to be doing you’ll probably forget things and maybe even waste time on tasks that should be left for another day. It’s easy to get lost or distracted in a messy house.

How to Clean Your House Faster

Start easy

If you hate doing housework then the hardest thing to do is to start.  It’s best to pick the easy tasks and knock them out first.  Loading the dishwasher might be the task you hate the least.  Or you might think starting a load of clothes in the washing machine is easiest.  Whatever you like to do (or least hate doing) should be put first.

Work smarter, not harder

When you enter a room it’s best to go in prepared to finish it in one trip. You burn valuable energy when you run around the house. Work your way through the house, room by room, taking only what you need to clean each one. Trash bags, dust cloths, disinfectants and cleansers can usually be carried in a small utility bucket. Leave filled trash bags in a hallway or other common area adjoining the rooms you’re cleaning, and save the trash disposal for the end if possible. If you’re worried about trash bags leaking then it’s better to double bag than to make lots of trips back and forth, especially if you have a two or more story house.

Don’t give yourself a headache

If you prefer to or need to use harsh chemicals be sure to avoid inhaling the fumes. Weather permitting, you should open windows and close doors to contain and remove the vapor of chemical cleaners such as bleach, ammonia and others. If you are cleaning surfaces you will be standing on, such as shower floors or bathroom floors, with bleach then it pays to have some old shoes that you can change out of when you leave the room you’ve just cleaned. Tracking bleach around the house can be a disaster.

Be sure to only clean each thing once

If vacuuming is part of your list then ensure the vacuum is not already full of debris from the last time you used it. An empty vacuum bag or canister and a suction opening that is free from obstructions will ensure that you only need to vacuum one time and that the floor will be very clean. When dusting, be sure to use the right cloth for the job. Dusting with paper towels or other cloths that are not suited for dusting will make a bigger mess than you started with. And if you must use a spray cleaner for dusting try spraying it on the cloth rather than on the surface you are dusting. Some surfaces get clean faster and look better in the end if you stick to using a dry dust cloth.

These are general tips, it’s true. But if you combine them with your own specific preferences and tricks you should find that the housework goes by faster and more smoothly. Organization is key. And avoiding making yourself tired or sick is important too. What you want is to find ways to keep the house looking the way you like it without making the labor involved so back breaking that you will avoid doing it at almost any cost.

House keeping is not always an easy task but you can get better at it if you keep yourself well read and informed. More information about how to maintain your home in perfect condition is available on HomeWarrantyReviews.com. You could take a look at it and start applying it to your home! And while you are at it, take a look at 10 most innovative home maintenance smartphone apps.

About the Author

Kevin Wallach is a freelance writer and marketing professional. His focus is on performance based marketing services for the home warranty and home service contract industry.




Next to the so important health insurance each individual should have, there stands as second in line the home insurance. For homeowners, the home insurance is a specifically well tailored preventive measure any damages should happen to their property. The most important fact before you settle for one certain type of home insurance policy, is to ask yourself which kind of insurance do you actually need.

Home insurance

For example, if you live in a high risk area where floods happen quite often, then you should take an extra option for flood insurance. Certainly because your property lies in a high risk area, the flood insurance for your home is an extra option, it will not be included in the policy, and it will cost more. It is you, who should decide whether you need it or not. Bear in mind that it is not only the physical property which needs protection, but also your personal belongings (i.e. jewelry), and don’t forget about personal liability issues. Find the quickest way to get insurance quotes compared online.

The market offers you plenty of choices, and that is why it is so hard to make a choice. Settle your priorities first, see how much you can afford to pay for the insurance premiums and which are those aspects which definitely need insurance coverage. You have to watch out for the advertisements which offer too high discounts, but little or not effective coverage for you. The points where you can save when buying a home insurance is basically if you apply for one online (can bring you up to 15% savings), there are also certain new buyer discounts, plus if you make no claims for a number of years since you have the insurance, that could lower the price of your insurance with as much as 50% in some cases.

Some of the main coverage factors within a home insurance policy should contain:

  • Buildings cover
  • Contents cover / Contents lost or even damaged when moving
  • Theft from garages
  • Lost/damaged business equipment
  • Alternative accommodation for the insured when needed
  • Food in the freezer / money in the house

Certainly the amounts to which the above mentioned situations are covered for, differs from one insurer to the other, but these should be contained in a standard home insurance plan. As for the extra options you may choose, these are plenty, and each homeowner chooses according to his needs and best interest. On the extra options list you may settle for Accidental Damage, which simply means protection for accidental damage of your stereo equipment for example. Then, the personal possessions cover is yet another extra option, which compensates you for loss of money or credit cards up to a certain coverage

limit, or accidental damage loss or theft of personal items. The family and legal protection extra option will offer coverage for almost any legal costs up to a certain amount, disputes revolving around employment issues, or property and inheritance related ones. Plus, the home emergency option will offer a helping hand in case your door lock breaks, your electrical heating fails, so that you don’t have to worry about the incurring costs a professional would charge for an emergency repair to your home. Check and discus with your family all the available options pertaining to home insurance in general, and settle for the one which is the most affordable and efficient regarding your personal needs.




Americans buy home warranty to protect themselves from repair and replacement costs of home appliances that fail due to normal wear and tear. Unfortunately a lot of policy holders feel let down by the result after filing a claim with their warranty company. Some people are ignorant that they have the power to dispute the outcome of a claim when one is filed; others are conscious that many customers succeed when they dispute a claim correctly. The procedure involved in disputing a claim can be extensive, but can be worth time investment.

Home Warranty Claims

A home warranty is a service contract that covers systems and items in your home that are usually not covered by homeowner’s insurance. Furnaces and outside air conditioning units, plumbing and electrical systems are items commonly covered under a home warranty protection plan. The homeowner requests a claim with the warranty company when a covered item requires repair. Some home warranty providers repay the homeowner for the cost of the repair while others send a contractor directly to the home for repairs.

Common Causes of Home Warranty Claims Denial

You should look at these factors carefully for any items that you estimated to be covered by the home warranty contract you aim to procure. Make sure you read the contract one more time and understand the reason for denial. In some cases, even courts cannot help you if the claim was denied for a reason clearly stated in the contract.

So what are some of the common reasons for denial of claims on home warranty?

  • Lack of Maintenance – You are supposed to take care of cleaning and maintenance of appliances. HVAC units must be serviced every year and you should keep maintenance records.
  • Code Violations – If any of your appliances violate safety and installation codes, they won’t be covered.
  • Unusual wear and tear – due to reckless usage etc.
  • Improper installation – This is where having a home scrutiny done by a professional is so significant. Paying out a few hundred dollars for this kind of assessment could save you thousands of dollars and years of annoyance. For instance, if the HVAC system was not installed properly, or if the defect existed before the new buyer takes ownership, the claim could be denied. If the seller is reluctant to deal with issues that are found in a home inspection, think two times before you close on that home.
  • Excluded appliances Clause – Not all appliances are covered. Your service contract lists all covered appliances. Make sure you are okay with the coverage.

How to Dispute Home Warranty Claim Denials

Always be polite and be friendly with customer service professionals. They will go an extra mile if they like you. The first step should always be that you speak to customer service supervisors and their bosses who make the decision. Assuming those steps did not result in a favorable outcome, you can follow these escalation steps:

  • Step 1: Verify your home warranty documents. The definite steps you have to take with the home warranty company to appeal a petition for denial must be listed in the documents.
  • Step 2: Make contract with your home warranty company. Keep a record of all dates and times you talk to a company representative. Obtain the names of every person you speak to. Inquire for the required paperwork to demand a denial of your warranty plan.
  • Step 3: Get the problem re-estimated by a third party. Speak to a local contractor or repairman and get a written estimate for the repair. Have the professional note in writing of what he thinks is the reason of the damage.
  • Step 4: Pursue the warranty company’s appeal process. Some companies want mediation actions be started by and finished by you before the issue can be taken further. Provide any documentation demanded by the company.
  • Step 5: Approach Better Business Bureau (BBB.) Most companies are willing to resolve your issues and close BBB complaints to have a clean record.
  • Step 6: Call your State attorney general’s office. The attorney general’s office normally deals with warranty fraud and service denials.
  • Step 7: File a complaint in small claims court if your claim is small enough. Small claims courts are confined on how much money you can file for a suit. Ensure with the small claims clerk’s office to settle on if your claim falls under the limit.
  • Step 8: Get hold of an attorney for larger claims. Verify with your local bar association to locate an attorney knowledgeable in real estate and denial of service matters. The permissible charge for an attorney differs by area, but usually you will be able to sue the warranty company for the lawyer charges you paid other than your claim.

 




Company: American Home Warranty (AHS)
Reviewed by: Jon, Jacksonville, Florida

As you review the responses contained here remember there are people who have relatively good and bad experiences. No one here should be gripping like our friend from Bowie, MD. Reading your contract, if its like mine is very simple. Getting maintenance if required is a service call to your provider and will cost you no different than a complaint call.

The point here is the point of a contract is to work in good faith. Unfortunately AHS doesn’t work in good faith.

AHS does however work diligently to minimize their costs to increase their profit margin as an INSURANCE company. They are hedging their bet the more difficult it is for you to go through them for repairs the more likely you will be to get a needed repair fixed yourself and forego the hassle of using their CSR’s. This is how any INSURANCE company works.

It is clearly not the fault of a person to believe they have paid for a degree of service as a contract states only to find the fine print states otherwise. This is why we need more fair contract laws. This is not a liberal or conservative point. It is a point that a company needs to be regulated properly and AHS is on a fringe between regulatory agencies. How did our country get in its current financial condition? Poor regulation and advice like that from our friend in MD.

Please use your own best diligence in considering a home warranty (insurance) policy. There are few firms who will do what a homeowner wants, but fewer still who will actually provide quality repair/replacment other than what they can get away with (breaking state and local ordinances on workmanship and unskilled work crews.)

Don’t become a poor service statistic, do your own diligence, call your provider, call back when you get your service call, call the service representative in advance to confirm and describe your service need, call and remind your warranty provider of the service you get and confirm the repair meets your local ordinances (ask an inspector to verify it!).

IF you do these things you’ll at least get complete and sound service. It may be on their schedule, which may not meet your expectation and it may not provide you with the expected solution you want but it will be complete. Miss anyone of these steps and you could find yourself out of pocket for both your warranty fees and additional service fees




Here is a list of most read articles about home warranty on our site. Enjoy your reading and provide us your feedback!

Articles

Home Appliance Warranty Plans – What is appliance protection plan and how does it help homeowners

Extended Home Appliance Warranty – Things you should consider before buying an extended appliance warranty policy.

FAQs on home warranty plans – This section covers most frequently asked questions about the protection plan

Five Types of Appliance Protection Plans – Covers various kinds of warranties such as appliance warranty, manufacturers warranty, extended warranty, sellers warranty, home service contract etc.

How to choose a home appliance warranty plan – This article explains how to choose a home  warranty plan and the service provider company.

Is home warranty necessary for buyers and sellers – Explains if home warranty is needed for sellers as well as buyers.

Average appliance repair costs – Provides a list of average appliance repair occurance percentages to help you decide whether you need to participate in a home warranty program.

Home warranty quotes – Home warranty quotes, coupons and deals

Is home warranty really an insurance? – Not necessarily. This articles explains why you cannot bank on home warranty for all your repair and replacement needs.

Home maintenance Tips – How to take better care of your sweet home

How to pursue insurance claims – How to pursue a claim when the service provider company is acting tough on your claim.

An Open Letter to Home Warranty Industry – An open letter written by someone who worked in the home warranty industry for a long time. Author provides an insightful view of the industry. The views and opinions expressed are author’s own.




Phoenix: The Arizona Department of Insurance is on the lookout for customers who purchased warranty plans from the now out of business company, Sensible Home Warranty (SHW). While the year 2014 saw many major incidents in the home warranty industry, SHW closing was one that garnered significant attention.

In May of 2014, Sensible Home Warranty, a New York based company that was once considered as a fast growing contender in the industry, announced through their official website that they were closing shop for good. The declaration came as a shock to many, including customers of the company and other patrons in the industry. (Read Sensible Home Warranty Shuts Down)

AZ symbolReasons behind the closing were not revealed on their website or anywhere else and still remain unknown. While the company did have a substantial number of loyal customers, discontent among some other customers were quite evident from feedback received on HomeWarrantyReviews.com. The company’s BBB page reveals that a total 1,811 complaints were filed against them during their tenure in the industry.

Several customers reported on HomeWarrantyReviews.com that SHW had failed repeatedly to process claims and provide them with the services they were entitled too. Such customers and many others who purchased prepaid warranty products from SHW would find this as a welcome relief as it may help them retrieve a part of their money.

Following feedback from customers expressing their grief over monetary loss due to SHW shutting down, The Arizona Department of Insurance has announced that they will be making an effort to compensate the losses incurred by SHW customers.

Sensible Home Warranty

Officials say that partial refunds may be available to customers who paid their premiums in advance. The refunds will be funded by the money that SHW deposited with the Dept. of Insurance as required by the state laws of Arizona. The deposited money will be divided among genuine customers who approach the department.

To claim the refund, customers must file proof in the form of claim requests and receipts to the Dept. of Insurance by no later than August 2, 2015. Customers are requested to visit the following link and submit an application online along with any other material that support your cause, eg contracts, claims history, receipts from SHW etc.

AZ Insurance Dept. – SHW Claim form

While the Department cannot say in advance what the amount of refund will be, the Department agrees to give due consideration to everyone who approaches with a genuine claim.

To qualify for the refund, consumers must submit material evidence (documents) showing that he/she

  • Paid in advance for a home warranty contract provided by SHW in the state of Arizona which expires post June 16th, or
  • Possessed a SHW home warranty contract valid from March 25, 2011 to June 16, 2014 issued in the state of Arizona and that he/she
    • Paid to repair an item covered in the contract and that
    • They were not reimbursed with the full amount as per agreed terms and conditions of the Arizona contract.

Those interested should write to the Dept. of Insurance with completed forms and relevant supporting documents to –

The Arizona Department of Insurance

2910 North 44 Street

Suite 210,

Phoenix, Arizona

Customers can also email their forms and documents to – [email protected]

 




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

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

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

Six Steps to Choose a Home Appliance Warranty

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

This video will help you compare home warranty companies.




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.        Arkidus Home Protection

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.

Tips to prevent you from becoming a victim of similar home warranty and insurance scams

  • Reading about incidents like the ones surrounding Arkidus Home Protection’s brief business in the home warranty space may leave you wondering if there is a way to avoid becoming a victim. Here are some things you can keep in mind when choosing an insurance company or home warranty company.
  • When shopping for home warranty or insurance make sure any company you consider doing business with is properly registered and if licensing or bonding is required by your state be certain those things are in order as well.
  • Check a company’s background, reviews and the companies’ customer complaint records which can found on the company’s local Better Business Bureau website.
  • Never purchase financial products such as home warranties or insurance policies from a company which solicits your business at your door without doing the same homework you would with any other company.  Impulse purchases from hard-sales-tactics sales people are very often regretted by the consumers making them.
  • When dealing with sales people face to face try to develop an eye for details, study the business cards and other documents and verifying that the business address furnished is authentic and not just a P.O. Box, short term single office rental or other temporary type of mailing address.  Though legitimate and not alone a sign of trouble, short term addresses and discreet addresses may be a warning sign that you won’t be able to track anybody down when you run into trouble with the product you bought.
  • Always demand a contract for the services provided, claims and reimbursement, and other provisions and then study the fine print carefully before signing the document or making a purchase.
  • Always ask for a bill or invoice and never pay by cash.  Using a check or a credit card can sometimes help you when you seek reimbursement after not receiving what was promised to you by the merchant.

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.




Ever wondered what is the difference between home warranty and homeowners insurance ? Are they not same? Let’s find answers for these questions.

While home warranty and home insurance products may come across as same, they are totally different. The coverage, cost, terms and conditions vary greatly. Home insurance is compulsory in some cases whereas home warranty is a recommended choice.

Difference Between Home Insurance And Home Warranty

difference between home warranty and homeowners insurance

Home warranty offers protection for your major appliances, as well as plumbing and electrical units. It covers the cost of repairing or replacing major household appliances in case they break down, provided they meet the terms and conditions of the home service contract.

Home insurance covers your home in the event of damage due to natural calamity or man-made disasters and offers you liability protection from lawsuits in case of a third party involvement. If your neighbor came visiting you and accidentally fell and got injured and decides to sue you, then home insurance will take care of the claims. Home insurance is mandatory if you have a mortgage on your home.

What Does A Home Warranty Contract Cover?

Items covered by a home warranty may vary by company and plan, but typically includes the following items:

  • Heating, ventilation and air conditioning system (HVAC)
  • Electrical system
  • Plumbing system
  • Water heater
  • Kitchen appliances such as refrigerator, stove/oven/range, built-in dishwasher, built-in microwave, garbage disposal, built-in trash compactor
  • Clothes washer and dryer
  • Garage door opener
  • Coverage for pools, spas, well pumps and other items may be available for an additional fee.

Benefits Of Home Warranty Coverage

To The Homeowner

  • Placing a claim and getting your appliance repaired is lot more easier.
  • Helps save up huge costs.
  • You can get repaired as many appliances you want provided they are covered.

To The Seller

  • Home may sell faster and at a higher price.
  • Protection from after-sale legal disputes.
  • Increases marketability of home.

To The Buyer

  • Warranty coverage on major systems and built-in appliances.
  • Protects your cash flow.
  • Access to network of qualified service technicians at your fingertips.

Home Insurance

In case of an uncertain event like fire, theft, vandalism, or certain natural disasters, the cost of damages are covered. It also covers your personal items and gives you liability protection. Liability insurance will protect you from lawsuits in the event that someone is injured on your property. Home insurance will only insure your personal items in case they are stolen or ruined in a disaster. Repairs and replacements due to wear and tear are not covered.

What Does A Home Insurance Policy Cover?

The insurance policy varies depending on your state of residence and type of policy, but generally it will cover the following.

  • Structure and contents of the house.
  • Personal property such as indoor and outdoor furniture, clothes and home electronics such as computer, TV, stereo, etc.
  • Jewelry may be covered up to a certain value, or itemized for its full value, or excluded entirely.
  • Living expenses if your home is uninhabitable as a result of a natural disaster.
  • Events like theft, vandalism, fire, windstorm, lightning, hail, falling objects such as a tree.
  • Liability claims such as someone got hurt while in your property and decided to sue you. The policy will take care of it.

Benefits Of Home Insurance

Home is the most prized and cherished possession any individual can have and nobody anticipates damages to this, therefore a home insurance provides you the following benefits when you cover your home.

  • Covers accidental damages to your interiors and exteriors as well.
  • Easy to renew all you have to do is pay the premium on time.
  • Processions are covered regardless of new or old.
  • Assures you peace of mind and gives you a feeling of safety and security.
  • Pays for loss and minor damages like broken glass of a window.

Cost/Pricing For Both

A standard warranty runs $300 to $500 for a year of protection, which covers the cost of repairing or replacing a home’s major systems and appliances. Home sellers typically pick up the tab for the first year of coverage. Extended coverage plans for pools, spas and washers and dryers can be purchased at an extra cost.

Insurance cost varies from state to state and depends on the extent of coverage and the location of the property but a standard insurance can cost any homeowners insurance is between $300 and $1,000.

How To Choose A Home Warranty?

When you are planning to buy a home warranty, make sure that you do some research. Check our home warranty reviews section that provides pricing, comparison, quotes and consumer reviews of all major companies. When you are getting price quotes, inquire to look over a sample policy. Bear in mind to understand the entire policy, together with the fine print.

Another advantage of home warranty policy is that it is transferable. That means when you sell the house the warranty would be passed to the new owner. This has proved to be a well-liked feature amongst home buyers as homes having home warranties are selling at increased prices and in much shorter times. This in itself could make it sensible to get a home warranty policy.

How To Make A Claim?

When a covered appliance breaks down you need to contact your warranty company. A warranty company already has business ties with different service vendors. They will in turn contact a service repairman to come to your home and repair the appliance. The repairman will fix the item or recommend replacing it. The service repairman will bill your warranty company directly, but you have to pay a service charge when the repair person visits your home.

How To Choose Home Insurance?

With any kind of insurance, it is always a good idea to shop around and evaluate benefits and prices as most insurance companies will provide you a policy discount. Ensure you read the policy before writing a check and ask any queries that you have in mind.

So, the conclusion is that home warranty and insurance are complementary to each other. You can choose to protect everything you own, provided you can afford to. Keep in mind that these insurance products do cost a bit more, but compared to the benefits they provide and the peace of mind you get, it seems like a very small amount. Insure your home as well as buy a home warranty all within your budget.

 




HVAC Maintenance Checklist

 

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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!

Monthly maintenance routine

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.

  • Check thermostat settings
  • Clean out the vents, replace filters, and keep it dust free as much as possible

Annual maintenance routine

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.

  • Hire a professional inspector to perform checks on your HVAC units
  • Hire a professional to clear the air ducts
  • Re check and tighten all electrical connections
  • Check refrigerant levels
  • Use suitable lubricants to lubricate moving parts
  • Clean the area around HVAC units and ensure that it always remains dry

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

  • Excess power consumption. Man! those electric bills are going to shock you (literally)
  • Unclean machinery heats up abnormally, this leads to fire hazards.
  • If vents are clogged with debris or other particulate matter, efficiency of the system drops
  • If you don’t monitor your gas/ fuel connections, health issues and fire hazards may happen

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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Planning to sell your home and hoping to get top dollar for it? You’ve come to the right place! Selling a home often requires as much thought and consideration as buying one, especially if you are trying to fetch a good price for it. Thankfully, these are a set of pointers you can go through to ensure that you get a good deal. So, sit back, read and get to know how a home can be sold for a great price!

top dollar

Step 1: Research For Top Dollar

Any transaction that involves real estate should be researched well. Selling a home for top dollar is no different. You could begin with finding out what the average market value is for homes in your neighborhood. You could also pick a real estate agent to help you with the sale of property. Real estate agents always stay updated about prices and know the vibe of the crowd.

If you do not want to appoint an agent, you can use the old-school method and gather information from friends and family. You should also do some research on the amenities available in the neighborhood as such matters affect the sales price of your house.

The Internet is also a very good place to begin your research. You can also make use of online portals to list your house. This will give better visibility and might help you get an idea about prices of houses in your neighborhood.

Step 2: Pricing For Top Dollar

Many factors should be considered while pricing your house for sale. Apart from obvious factors like size, amenities, and age of the home, there are factors like facilities in the neighborhood, proximity to schools/hospitals/parks, connectivity, and history of the locality. Again, internet research will help you with this task and probably be worthy of your time for those top dollars of your home. There are online tools which give you an estimate of the sales price of your home after you provide details.

If you have listed your property on an online marketplace, be sure to keep checking in often. Events that happen in your neighborhood like crimes or accidents could adversely affect your listing. Staying updated is key here. Also, unless you fix the right price, a good deal can never happen.

Step 3: Negotiate For Top Dollar

If you have placed an ad for your property in print or online media, there is a good chance that many potential buyers will try to contact you to collect information. These folks are also going to negotiate with you to drop the price. While making a small reduction is fine, dropping the price by a large margin could get the buyer suspicious. He/she will begin to wonder if the house is truly worth top dollars if you drop the price without much fuss. The general trend among sellers is to price the house a little above the market value. That way, even if a buyer makes a request to reduce the price, the deal will still be good.

Like we said before, real estate agents are of huge help when it comes to negotiating. In fact, the entire negotiation can happen with the agent alone leaving you free of the task of having lengthy conversations with the buyer.

Step 4: Add-ons

Everybody loves add-ons, more so when it comes to property. This is a step which is almost guaranteed to increase the selling price of your home. Research has found that a home warranty plan definitely increases the sales price of your house. These plans not only protect your budget, they will also relieve the seller from future disputes. If an appliance in your home fails, the new homeowner will simply contact the warranty provider and not the seller.

You can also put in more shelves or racks to increase storage. Most people are huge fans of ample storage and hence, it could compel people to buy your property. Replacing old appliances will also help sell your home faster.

Step 5: Aesthetics

Nobody wants a house that looks old and spooky. Peeling paint, squeaky doors – in general, anything that looks like the Amityville horror house will be seen as a huge turn-off. It could repel potential buyers. A fresh coat of paint is almost mandatory for the house before it goes on the market. You could also enhance the external appearance of the home by improving the garden (if you have one) or you can add some other landscape detailing. You could also renovate the bathrooms (if they are old) or the kitchen for faster sales. The money you spend on upgrading your home can be reaped back once you sell the property. Trust us, decorating your apartment creatively helps lure in buyers!

Strike A Good Deal For Top Dollar

Unless you use the services of an agent, your home could be in the market for some time. Do not let that prompt you to drop the prices drastically. A good deal will definitely come by. In the meantime, read up on various home maintenance guides to give your home a thorough upkeep. You could also get a home inspection done as a home inspection report is something that potential buyers would want. That’s all! Hope you strike a very good deal!




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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If you are a homeowner in Ohio, this is an article that can’t miss! Your home is probably the biggest investment in your life and you know it takes time and money to keep it running well. We’re sure that you would’ve considered a home warranty plan to save yourself hundreds of dollars in repairs and replacements. But are you sure you know about the best companies in your locality? This is why you need to know about the best home warranty companies in Ohio.

Home Warranty Companies In Ohio

Best Appliance Warranties In Ohio

 

Being the 10th most densely populated state in the country, Ohio does have numerous players in the home warranty sector. Yet, some companies have managed to outshine others with exceptional services and great products. You may already be knowing that our website ranks companies based on feedback collected from actual customers. We have also used these reviews to come up with the best home warranty companies in the country. So, based on said reviews, here are the companies that top the list of best appliance warranty providers in Ohio-

  1. American Home Shield
  2. The Home Service Club
  3. Select Home Warranty
  4. HSA Home Warranty
  5. Choice Home Warranty

We’d like to provide you some more details about the companies in this list. HomeWarrantyReviews.com has a detailed page for every company listed with us and we also have a statewise list of companies. So if you have friends and family in other states, do tell them to pay us a visit for getting their home warranty needs to be addressed.

1. American Home Shield (AHS)

American Home Shield (AHS) is a company that laid the foundation of the home warranty industry, Since its inception in 1971, American Home Shield has always been a popular choice among American homeowners. AHS has a nationwide footprint with even some parts of Canada being included in their coverage.

Being one of the first companies to sell warranty products, their experience is close to unmatched. All AHS home warranty plans are designed to cover major appliances and systems at reasonable prices. A typical AHS warranty plan would cost somewhere between $249 – $500+ and the deductible per service visit would cost somewhere between $75 – $125. The company maintains a massive contractor network of over 11,000 skilled and licensed technicians who are selected after a careful screening process. AHS, like most of the top players, maintains around the clock customer service facility and also runs an online claims submission program. Backed by strong reviews, this is one company that totally deserves to be on top of this list.

2. The Home Service Club

Home Service Club or HSC, is a company who considers themselves innovators in the field of home warranty. HSC’s primary focus has always been on providing the best possible service to their customers. The company’s coverage spans 48 states across the country. HSC believes that the frequent surveys and customer feedback programs they conduct are the reason why they are able to stay on top of their game.

HSC’s plans do not mandate a home inspection, neither do they place a restriction on the age of the appliances. A standard plan from HSC will cost around $400 and the deductible per service visit is charged between $65 – $125.

3. Select Home Warranty

Yet another company with huge popularity in Ohio is Select Home Warranty (SHW). Select has a vast national network of contractors and is also a company with a commendable tenure in the home warranty industry. Headquartered in New Jersey, this company covers anything from rental properties and condos to mobile homes.

For homeowners in Ohio, SHW provides three types of home warranty plans each varying in the level of coverage. On an average, SHW’s plans are priced between $299 – $599 and most plans have a service call fee of $60. This is yet another company that does not place a restriction on the age of appliances, neither do they mandate a home inspection.

4. HSA Home Warranty

HSA is a company with close to 30 years experience in the home warranty industry and they also have immensely positive reviews from their customers. Headquartered in Wisconsin, HSA believes that their success is attributed to the problem-solving capabilities and the commitment of their team.

Their primary product, the appliance warranty plan, comes in two variants for Ohio homeowners and they cost between $589 – $619 and their deductible cost ranges between $75 – $100. Customers are also given the option to extend coverage by adding items from a pre-selected list of add-ons.

5. Choice Home Warranty

Choice Home Warranty (CHW) is a company known for providing comprehensive warranty plans to their customers. The company claims that they can cater to the needs of homeowners, real estate agents, buyers and sellers.

CHW offers transferable home warranties to homeowners, buyers and sellers alike. Standard plans are priced between $370 – $450 and the average deductible charge is $60. CHW has a 24/7 customer service facility and also an online claims facility through which customers can manage and track the progress of their claims.

Before You Buy A Home Warranty

While we have indeed provided you with a list of some of the best companies, we recommend that you conduct ample amount of research before you zero in on a choice. Our website would be an excellent place to find out insights about home warranty companies across the country. We suggest that you go through user reviews and go through our statewise list of companies before you decide. We hope you found this useful and don’t hesitate to contact us in case you have a query. Cheers!