Premium Home Warranties or a Deductible Home Warranties? Should I include a Home Warranty contract or not? These are just some of the many questions that you are to deal with before purchasing a home.
You may have done a CIA level inspection of your home-to-be, but sometimes despite it, there is no telling when, why or how a machine will break down and force you to interrupt your everyday chores. Isn’t it a nightmare when you are forced to wait for days to simply wash your clothes or dishes? We don’t want a piling heap of clothes in our living rooms or even a stinking kitchen for that matter. Because with today’s employment demands it is hard and even close to impossible to manage work alongside home chores. So without your appliances to lend you a hand, you may never catch up on your housework.
So what happens if they break down?! The effective solution would be to use a home warranty contract to ensure a quick and reliable way to fix them in time, without coming in between your everyday schedules.
Buying Home Warranties are one such intelligent solution to your problems. Given how crucial it is, we want to cover all the mistakes people usually make while buying Home Warranties. In giving you a heads up, we hope to help avoid frustration, as well as cover all topics before an actual machine crisis ensues.
Here is a list of mistakes a consumer might make when choosing a Home Service Contract-
When purchasing a home, make sure you are buying from a builder who has covered the Home Warranty costs. While some states make the payment of warranty compulsory, otherwise, builders don’t usually cover the Warranty prices along with the price of the property/home. And in the states where it is compulsory, the home builders register with their respective regulator, thus escaping the need to make sure your warranty is paid. However, this is how it works only in the states where payment of warranty is compulsory. Hence, always make sure your builder is charging you the warranty along with the price of your home. If not, you may be falsely charged while not really availing a Home Warranty contract.
Not inspecting can be one of the first and worst mistakes you will ever make while buying a home. It should be obvious that home sellers have a tendency to hide defects within the property! Hence, always schedule a home inspection before purchasing a home which could avoid multiple costs later. If you are unfamiliar with the way a machine works or are ill-equipped to do so, rely on someone observant and knowledgeable in this aspect. Hence, with your own interests at heart, an inspection before moving in, i.e., at least prior to a month, have the home and its appliances inspected thoroughly.
If not the first time, do hire a professional Home Inspector before your warranty plan expires. Hence 12 or 24 months into use, some of the appliances might be showing signs of defect which are unrecognizable for a normal person. This will reduce the risk of ever having to spend either for labor and material costs since the defects would’ve been repaired when it has started to show the first signs. Also, since this will cover all the upcoming four seasons, we recommend you always hire a professional Home Inspector, at the expiration of your Warranty term if not at the time of delivery.
This can lead to disasters in terms of price, be it manual labor or material cost. Some Warranty companies don’t cover all the peripheral prices which are mentioned in the contract, which is why not reviewing a contract can lead to miscommunication between the buyers and the builders. While most plans cover all the appliances within, some might not cover the external structures. And if the model contract doesn’t cover the conventional structures, you can contact the contractor to add coverage to other appliances of your wish.
Since the market is flooded with hundreds of home warranty companies and hence, a mind-numbing number of Home Warranty Plans to pick from, it is all the more difficult to choose a Home Warranty plan that suits your home best.
It should be obvious that a Home Warranty plan used for a newly built home won’t necessarily be the right pick for a property that is a decade old. From HomeWarrantyReviews, you can use our Complaint Resolution Program (CRP) to complain or highlight a company based on your previous experience and also compare Home Warranty companies. This will give you a better insight as to which company could be the right pick for you. Since the CRP complaints can be reviewed by the companies themselves, they can immediately rectify it. Also don’t forget to read our reviews, checking out our Home Warranty Appliance Maintenance Calculator in order to make the right choice.
Sometimes after using our Home Appliance Maintenance Calculator, you might find that Home Maintenance cost could be more without a Home Warranty or vice-versa. Using an unbiased guide on Home Warranty plans which is not sponsored by any Home Warranty company, in particular, can help you give a balanced view without misleading you to purchase from a company. For such an unbiased opinion, it is always important to do your own research to evaluate your needs and costs before buying.
Our Home Warranty Appliance Maintenance Calculator calculates as well as compare the costs of repairing with and without a Home Warranty contract. This will hence give you a complete picture regarding whether or not you should buy a certain plan or a certain part of the plan.
Yes and No. As a leading platform for all of your home warranty needs, including getting your fresh quotes in a jiffy to using our knowledge resource of a wealth of articles and the free tools like that of a home maintenance calculator, we always create value for our readers.
So we always advise our readers to be cautious of not reading the fine print in the home warranty contracts, and we’re also against having predetermined opinions on certain companies or not researching enough on the new companies who’ve joined a long list of companies and who yearn to provide a quality service at your doorstep.
Go ahead and give our features a shot!
We’ve all experienced the hardship of receiving bills in the mail. The envelope sits on your kitchen table like so many others. But this one is different. This one holds the reminder you dread seeing, the electric bill.
Okay, so maybe the electric bill isn’t the one you dread seeing most each month. But it probably isn’t your favorite monthly obligation either. If the amount you pay for power bothers you then you might want to give some thought to the causes of the problem. And if you’ve never looked at how much it costs to run your major appliances then the following figures may surprise you. You just might find out that it’s time to replace one of the appliances you own with one that is more energy efficient.
This article does focus on electrical appliances. If your home relies mostly or entirely on gas to power your appliances then please find out which gas appliances consume more energy.
The place where you keep your perishable foods is not just an appliance. It’s a safe where you trust the hundreds of dollars you spend on groceries will be protected. So keeping your electric usage to a minimum is just one aspect of this appliance. You may have the most energy efficient model available, but if you fail to maintain it properly it may still use more electricity than is necessary. If you have not already read my article on refrigerator maintenance please take a moment to look at it today.
According to a study concluded in 2009 by the U.S. Energy Information Administration titled “Residential Energy Consumption Survey” or (RECS), the average American household spends 6.2% of its electrical costs each month on appliances as a group. Your fridge is quite likely the most expensive appliance to power in your home. If you have an old refrigerator then you could save hundreds per year simply by switching to a newer, energy efficient model. You might cut your energy costs by as much as ? for this one appliance according to information available on Energy.gov.
Unless you use a laundromat or send everything you wear to the dry cleaner you’re spending some of your monthly electric cost on these appliances. The washer and dryer, because of the work they do, are probably next in line behind your fridge in terms of energy use. Unlike most appliances your washer and especially your dryer may also contribute to other energy related costs by putting a great deal of heat back into the house. For this reason the placement of your laundry area may have a big effect on your cooling costs in the warmer months.
Aside from the soothing hum of a window unit there’s not much to be happy about if your home is cooled by a small air conditioning unit. Size is not everything when it comes to electrical cost, and a little air conditioner can make a big dent in your bank account. The same may be true of portable electric heaters. Keeping a home without a central heating and cooling system comfortable during hot and cold months can be a big burden on a homeowner living on a tight budget. But replacing these small units with more efficient central system components is often financially out of reach. There is hope in some cases though. Some utility companies provide help to homeowners who need assistance financing such upgrades.
Homes which require removal of excess moisture in the air have an added cost that can really impact the monthly electric bill. Dehumidifiers may add as much electrical usage as a refrigerator or freezer unit, according to data available on the Nebraska utility website, Cornhusker-Power.com.
Though you may not think if your water heater as an appliance it is probably using more electricity than any single operating part of your home, aside from your heating and cooling systems. A high electric bill can sometimes be due mostly to an inefficient water heater.
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.
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 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 –
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.
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.
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.
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-
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 –
Home Warranty or appliance extended warranty are basically insurance policies for the appliances and systems in your home. Hope you never have to employ them, but glad you have it when your appliance breakdown. With cost of service & electronic components, your repair bill could end up being the same as the price appliance was bought for.
This article will help you in deciding on what is more pertinent, buying a home warranty or extended warranty.
Home Warranty – Valuing Your Possessions
‘Home Warranty’ is typically provided by the builder to a new homeowner. This covers major household appliances and systems such as washing machine, refrigerators, gas system, central heating and plumbing. Remember, you are only covered if the failure of the appliances or systems is not a result of mishandling or misuse.
Extended warranty, as the name suggests is usually purchased for a specific appliance(s) or system(s) for a definite period. This warranty is generally provided by the OEM (original equipment manufacturer) or any of their subsidiaries or partners. Extended warranty begins once the standard warranty on the product expires and comes with a cost.
The least you must be expecting from a warranty on a new appliance is one year on parts and labor. This home warranty cover flaws in parts and workmanship for that year. Generally this warranty will be on site service except for smaller units that may have to be transported to the nearest service centre at the owner’s cost for repair.
This warranty generally starts from the date the appliance was purchased, delivered or installed.
Appliance warranties may or may not cover “cosmetic” or “customer instruct” claims. Cosmetic claims might be a scratch, broken plastic trim piece or knob. Some manufacturers will cover these claims for the first 30 or 60 days. Customers instruct calls can include installation issued calls or operation calls which will also be covered for the first 30 or 60 days.
Limited warranties are extended warranties on specific parts of your appliance. These limited warranties are stated in owner’s manual and have fine print, so ensure you read them carefully. Most of the limited warranties offer the part free of cost, the customer may be asked to pay for labor.
Below are some examples of limited warranties.
Parts replaced under a limited warranty will not increase the warranty period. Generally they will only be assured for the remaining life of the original product’s warranty period.
Lastly, these extended warranties or any appliance warranties are not transferrable to a second owner so keep this mind while buying or selling a pre-owned product.
When repairs on appliances are needed, they can be pricey. Here is a list of appliance types and some repairs that we think might call for a purchase of a repair contract.
When a major problem occurs, specially a built-in appliance, it may not be easy. Some built in appliances are not uniform in size and cabinet work may be required to replace this appliance. In this case, getting the appliance repaired may be expensive. Contract would definitely be best for this case.
Many modern day appliances have electronic controls. If you live in an area that is prone to power outages, surges or fluctuations, electronic appliances have a bigger danger of being damaged. Most electronic boards are not low-priced to replace, as some cost well over $300 for the part alone. In this case, an agreement would perhaps be wise.
Majority of gas ranges use electronics for control and ignition of the gas. These parts need service or replacement through the life of the stove. Glow bar igniters in your oven are not hard to replace but the cost for these parts are $50-$150. Control boards cost generally from $100-$250. With these costs alone, you can purchase an agreement.
Standard gas ranges require fewer repairs. These stoves are very simple and can run for a lifetime without a repair. Moreover, of gas stoves can still be used even if you have a power outage. In this case, agreement is not recommended.
For electronic, self-clean, glass top stoves, a contract is always recommended. Parts on these stoves are usually pricey. Elements alone can cost almost $200; glass tops can cost $600, and controls up to $250.
In case you are purchasing a simple, basic coil type stove, repairs are fairly low-priced. In most of the cases these repairs can be done by the homeowner and he/she shouldn’t be worried about a repair agreement.
Gas dryers must be serviced by skilled technicians only. Sometimes heating problems are difficult to diagnose and can be dangerous if not corrected properly.
Do your homework BEFORE buying home warranty or extended warranty for your appliances or systems. Understand the “Terms and Conditions” of the contract, specially its limitations.
Be sure you know:
Asking the right questions BEFORE PURCHASING will prevent unwelcomed surprises!
‘Extended Warranties’ usually mirror your original home appliance warranty, offering repair, service and replacement of major systems and appliances within home that breakdown. Extended warranties can be provided by the manufacturer, the dealer where you purchased it, or third party. Manufacturers will generally let you procure an extended warranty at the time of purchase or during your warranty period. Since these warranties are offered by who made your appliance, so the service will generally be provided by the same people who provide the warranty work.
These service companies usually have the proper training for your appliance and are more knowledgeable about your appliance. Dealer extended warranties will either service your appliance themselves or use an approved service provider. Either way, the service company must be trained for your appliance similar to the manufacturers extended warranty contract.
Third Party extended warranty is generally managed by a national company. One more thing that you should keep in mind is that some credit card companies extend the manufacturer’s warranty by a full year when you pay using one of their cards.
Home warranties are all the time, a third party company and are a bit different than extended warranties. These warranties cover your entire home which includes plumbing, HVAC systems, electrical appliances and other items. The cost related with these home warranties is based on the items that are actually being protected and on the type of deductible or service fee you sign up for.
Home warranties can be procured any time without any age restrictions or an inspection of your home and equipment. In addition, sellers, builders and real estate agents provide these home warranties when selling their houses.
These home warranties need to be read very carefully. Home warranties have the most omissions and generally the highest deductible cost to the homeowner.
There are dozens of home warranty companies which do not perform the work themselves. They sub-contract all the work out to independent, generally local, service shops of all types.
I am assuming that you recently faced a situation where you looked hours and hours for that thing you’ve been urgently wanting, yet ended up not finding it among the mess that is your home.
Well, its never too late to start organizing your stuff. It is not the easiest thing you will be doing, Martha Stewart has even written a book on this topic. As you see, organizing can be hard work, but it does pay off.
Some of you possibly landed on this page owing to your love for organizing. Either way, I suggest that you continue reading.
Assess the mess. Determine how much organizing is needed. Write down the things you need to sort urgently. If you have kids, ask them to join you. You can turn decluttering into a fun activity, plus the extra hands help immensely. So, lets begin.
1. Find the important objects. Lets start with the main door. This is where the keys and other similar articles are often thrown around. Find a box or a bowl that you can place on a level surface. Put all your keys in it. Over the time, develop the habit of placing your keys in this bowl, ONLY in this bowl. You can also place your bills in this bowl, that way you won’t forget about any pending payments.
2. Locate the mess. Walk through your home. Observe where the stuff accumulates. Most homes have this one spot where everyone dumps all their things, Locate this part and place a shelf or at least a wicker basket there. You can label it as “Dump not-so-important stuff here”. This is not a very endearing method, but for those of you who are extremely lazy, this will help in keeping the mess contained to one single basket.
3. Sort it all out. Get three large baskets. Or boxes, whatever you have. Start with one room and begin sorting through you things. Put all the things that you intend to keep into one basket, put all the things that you don’t need in the second basket and put all the things that you wish to donate into the third basket. Repeat this step in all the rooms except the kitchen. Yes, that includes the bathroom too. Once this is done set the boxes aside.
If your kids are helping you, tell your kids to put away the “Donate” and “Dispose” baskets/ boxes. Make sure that they don’t use that chance to run away so that they could skip helping you with the remaining sorting tasks ( Mind you, my helper disappeared halfway through finding a box for the keys).
4. Do some further sorting. Sort through the “Things you need” basket. This will take some time. You could turn on some music and make it a fun chore. Separate the objects based on function and priority. Or you could simply separate them based on their nature. Papers together, solid articles together, not-sure-what-category-they-fall-into together. Then proceed with sorting through individual categories. Eg, sort through your papers and separate them into bills, random stuff, notices, letters etc. Apply the same strategy to the solid and not-sure-what-category materials too (Told you it wasn’t easy). Once you have finished this Herculean task, proceed to step 5.
5. Don’t litter. Place waste bins in each room. This will immensely help in keeping your home clean. Kids have a tendency to throw candy wrappers and other waste material, under their beds because they are too lazy to walk till the kitchen where a big waste bin is kept. If there is sufficient space, you can also keep a laundry basket in each room.
6. Clean your wardrobes. This is yet another difficult task which I am sure you are dreading by now. Everyone has a messy wardrobe phase, its best to get over that quickly. Once you start a busy career, having to swim through your pile of clothes will not help you in reaching meetings on time (trust me on this one, my wardrobe was once a chair with all my clothes piled on it). Fold your clothes neatly or hang them if you have the provision for it. Separate your clothes based on their function, coats together, stoles and shawls together and so on. Sorting shoes may be easy, all you have to do is arrange them in a row in pairs. Well, if you are a shoe-maniac, Lord help you then.
7. Let’s go to the kitchen now. No, we’re not going there for a snack to make you feel good after all the hard work. We’re are going to do some more work. So begin with your shelves, throw away all the expired/ rotting/ unidentified objects.
You may think that its a good idea to spray some insecticides inside your cabinets, please DON’T do any such thing. Insecticides are lethal, if they touch any part of your food, you might get poisoned. Once you’ve thrown out all the bad goods, place all the remaining stuff on your counter, sort through them and put them back in the cabinets. Close the cabinets tightly.
8. Good storage means less mess. Find effective storage solutions. Remember all the stuff you sorted with the music on? It’s only going to return to its former messy state unless you put them away neatly. If you don’t have enough shelves and cupboards, get some, even second hand ones would do. Place them in common areas and arrange all your stuff on them. Arranging your jewelry can be difficult.
You can buy objects designed specifically for that purpose or you can simply hang them on an old wire rack. If you have little kids who throw their toys around, get a large basket and place them in a suitable location. Teach your kid to put all the toys back in it once he is done playing ( Yeah right ! As if this would work, you are going to have to put the toys back in yourself).
9. Use empty spaces. Be it a large one or a small one that hardly fits a book, don’t let any space go wasted. If there is a space that can fit a shelf or a cupboard, use it well. It will help a lot in the long run.
10. Avoid buying things you don’t need. Last but not the least, try not to go crazy when you are on a shopping spree. Think twice when you see something nice. If you are not certain whether you need it, don’t buy it. It will help you save tons of money and it will also keep your home clean.
Once you are done organizing your home, take a moment and recall how hard that was to do. I’m sure that it will serve you as a reminder next time you fling you coat somewhere. Feng shui says that your state of mind and health will always be better if you live in clean and organized surroundings. You know that’s true. The American culture is very avid about organizing, so you are sure to find some trendy and useful organizing stuff if you look for it. Well, enough reading, go on and organize your home. Good luck!
Household appliances are mostly large pieces of equipment which cost quite a lot of money. Most homeowners use their appliances until they break down, which is usually a span of 10 – 20 years. However, if you don’t practice caution or do adequate research, you may end up buying a product that does not suit your needs, which causes both financial loss and frustration.
While planning a purchase in advance helps you find the lowest price, it may not always be possible. If your AC breaks down during summer when the heat and the AC unit prices are high you will not have a choice.
You could be someone who is either needing an appliance urgently or you could be someone who expects a certain appliance to crash soon and is looking for replacement. In the first case, you will rush to the closest store or look up online to find one that suits your needs. While doing this, you may ?tend to get sidetracked and forget your actual needs.
Some people buy appliances because they are visually appealing or if it comes at a very low price or if it has attractive freebies. All of this leads to you ending up with an appliance that does not suit your requirements. You’ll probably regret your purchase immediately.
To avoid this, before you start to shop, analyze your requirements. Make a list of the following-
Write down the answers on a paper and keep it with you while you shop. If you are merely looking for an exact replacement, write down the model no. and manufacturer’s name and pay a visit to your closest appliance store.
Imagine the horror if you buy an appliance and bring it home only to find out that it doesn’t fit where you wanted it to?
To avoid that, measure the space where you plan to keep the appliance. Do it twice to avoid minor errors. Keep the measurements with you while you shop. Once you visit a store, select appliances that match your measurements.
However, if you feel that appliances that come in the size you need do not have the features you require, it’s best to either make space for a larger one or find out if there are used variants of the model you need.
If you wish to get the best price, don’t expect to find it in the first store you look. Visit several shops or websites, if you are purchasing the appliance online and compare prices. Don’t get swayed by the freebies. Most e-commerce websites and shops provide great deals during festive seasons. If you are planning your purchase in advance, Black Friday sales are the best time to buy appliances (or most things, for that matter).
If the requirement is urgent, you’ll have to make do with whatever’s available. Once you zero in on a model, look up online to see who offers the best price.
It might be a good idea to look an appliance that comes with a warranty. Most products come with a manufacturer’s warranty, but some stores do sell extended warranties for products they sell.
Some stores like, Home Depot and Lowe’s also offer extended warranty for specific appliances. Extended warranties are different from home warranties and are ideal if you need coverage only for a certain appliance which is no longer covered by it’s manufacturer’s warranty.
If you are planning to purchase an used appliance, you need to be extra careful. Find out why the appliance is being sold – is it because the owner upgraded or is it because the appliance sustained major breakdowns?
Examine the appliance thoroughly before you make the buy. Also ask for warranty papers and bills. Buying one without the relevant papers may not be a wise step.
Appliance purchases cost substantial amounts of money. Buying the wrong product will leave you troubled. Make the purchase only after you are convinced that it is the best option.
Hope you enjoyed the article, happy shopping!
Tired of seeing your roof green, stained and covered in leaves or in snow? Of all the home maintenance, spring cleaning, repairs and errands a homeowner is fated to, roof cleaning can be one of the most tiresome. Doing a balancing act on the shingles with a broom, a blower and a hose, scrubbing off algae and making sure you don’t have rats and raccoons – it’s not a particularly fun way to spend your Sunday mornings. Unfortunately, keeping your roof clean, damage free and well fitted is of utmost importance, especially when it comes to increasing the life of the tiles and shingles and preventing seepage.
Aesthetics of a clean and shiny roof aside, roofs made of asphalt, wood, tiles or shingles all need to be kept dry and clean if you want them to last a good twenty years or so – and it is recommended to replace them altogether every few decades.
For starters, one of the primary issues are algae, moss and other parasitic growths. Being exposed to the elements constantly, it is inevitable that the existence of air and water are more than enough to cause things to grow on your roof. Adding to that, limestone fillings and wood beams act as perfect hosts for mold.
Slowly eating into your fillers, wood and drains, the strength of your roof itself is at risk, not to mention the gaps that will appear and cause leaks and seepage issues for the inside of your home as well.
There are three primary growths possible on the surface of roof – algae, moss and lichen.
If you have noticed streaks and stains of black on your roof, then algae is the issue you have to tackle. Reproducing rapidly as long as they get moisture and sun, they tend to fasten themselves to the shingles and feed on limestone, undoing the secured shingles from their place.
A growth that actually stems from the algae itself, lichen is light green and fundamentally a fungal growth. Though it doesn’t hold much water, it does eat away at the top layer of the shingle with time because of its acidic nature.
Last we have moss, a much darker green and dense in appearance. Moss and lichen are much stronger than algae and aren’t easily washed off, the former holding water and soil within its structure that may create an environment for even larger weeds to grow on the shingle surface.
Roof cleaning can be done in one of three ways.
You can choose to go the complete replacement way – which can be expensive and sometimes unnecessary all together. Even if you have the money, know that replacement is not a permanent solution and the shingles will need maintaining whether they are old or new.
Next, you can hire a professional cleaning agency. Pros – it’s easy, safety is not an issue as they know what they are doing, and technical expertise will help get rid of the problem for an extended period of time, if not permanently. Cons – of course, it is more expensive than doing it yourself and if you don’t check up on how they clean, it is possible that you are being charged for more, or the cleaning is being done with chemicals which will later harm other parts of the house and garden.
Lastly (and yes, we will tell you everything you need to know on how to do it!) you can choose to clean it yourself. Depending on how handy you are with basic tools, cleaning supplies and a little manual labor, DIY roof cleaning is really that extensive of a task, and it can easily be tackled on a free Sunday morning.
Not humid and yet not too hot and sunny, pick the right day to climb up and scrub your roof clean. Humidity or a slight drizzle can make the roof slippery and unmanageable, simultaneously washing off the cleaning agent before it can work its magic. On the other hand, a hot and sunny afternoon can make the solution dry too fast, again not allowing it to act.
If you haven’t done it before, you should know that walking around on a sloped shingled surface can be an art in itself. Before you worry about the right cleaning agent and scrub to use, make sure you have a sturdy ladder and preferably someone to keep watch, non-slip boots with a good grip and maybe even knee pads.
Cover up to save yourself from unnecessary scrapes, cuts and insect bites, especially since the chances of rusted metal nails and clasps are rather high.
Use a simple broom to clean off the leaves and large debris that has collected on the flat areas and in the drainage points of the roof, letting you get a better look at what’s underneath. Don’t try using a rake or any sharp implement as that can damage the shingles, and make sure to sweep in the same direction that the shingles are laid, so as to make sure you don’t land up raising them in the process.
Next, get on work-gloves and clear off the drains, running water through them if necessary.
This will require a little bit of research, a knowledge of what material your roof is made of and filled in with, and what is causing the damage.
Not wanting to do this every few weeks and have the product at least last a year, it is a good idea to invest in a product that handles algae, moss, weather wear and tear, and damage because of the elements. Additionally, you can choose to coat your shingles or use zinc strips.
If the product sounds too good to be true, then it probably is – cleaning solutions and sprays that claim to solve all your roof damage problems with one swift coat for example are not an option. Pick a solution that is environmentally friendly and doesn’t cause long term harm to the hard wood beams or plants in your garden.
Another way to go is make your own, saving you money and allowing you to control exactly what is going into the cleaning process. One recipe is a mixture of heavy duty bleach (not the one that is for domestic use, but instead the one that you’ll find in a hardware or pool store), dish soap to thicken the bleach and act as a cleaning agent, and hot water to bind it all together. Use a simple garden spray tank to hose the roof with the solution, and wait for it to dry onto the shingles completely. Once dry, then hose it off with just water to make sure all the chemical is washed off.
You’ll have to be there in person for the entire process, and besides the fact that the roof is sloped and shingled, you are now adding a soapy solution to the mix – a recipe for disaster if you don’t do it right!
Make sure you do one section of the roof at a time, allowing it to dry, be hosed off and dry again before you move to the next section, giving you dry ground to stand on as you move.
Once you’re done, zinc strips can help keep the shingles clean and sparkly for extended amounts of time – some may even say forever! Cost efficient and not too difficult to install, zinc strips fitted to the top of your roof cause metal ions to flow down the surface of the shingles when it rains, killing the lichen and algae and keeping the roof damage free.
DIY tips and tricks, maintenance dos and don’ts, and even hiring professionals are all well and good, but even so the bother of service and repair looms over our heads.
While smaller issues such as algae and lichen can be handled right at home, rooftop damage can be a painstaking thing to deal with. From termite infestation to seepage and material damage, one way to make sure you are secure when it comes to such repair costs is Home Warranty.
Functioning much like insurance but with a much wider range of coverage –appliances in your home as well as the structure of the building itself – Home Warranty takes responsibility for all your repair needs.
Get your own estimate using the Home Maintenance Calculator on the HomeWarrantyReviews.com website and get an approximation of how much your home will cost you in repairs, just by feeding in a few simple details. Giving you a comparison between the cost of Home Warranty and that of maintaining it yourself, warranty keeps you prepared for unexpected servicing costs and keeps you covered when it comes to tasks you cannot always do yourself.
If you have been planning to buy a house or you have already bought a house, realizing the importance of homeowners insurance is very important. Make sure you have adequate coverage. Studies reveal that approximately 20% of the Americans have cut back on their insurance costs to meet their other monthly financial obligations.
However, insurance coverage is one thing that should never be compromised upon. Your home insurance should be such that it should not only give you adequate coverage but it should also do justice to the amount you shell out as premium. And your premium should be within your reach. It is only when you find it difficult to make payments for the premium that the insurance policy appears to be a financial burden to you.
The ideal way to find the best quote for homeowners insurance is to shop around. You can compare quotes online or talk to insurance carriers personally. There are many insurance carriers that offer different plans to meet the requirements of the consumers. You can try out these and after evaluating the pros and cons of the plan, should you buy your insurance policy.
It is very important that you are not underinsured. If you save some cash now by staying underinsured, you may have to shell out just the double in case of a financial emergency or an unforeseen event.
Instead of buying inadequate coverage for your homeowners insurance policy, there are many things you can do to cut down expenses related to your insurance policy in a reasonable manner. Given below are few measures you can take to reduce insurance costs.
So, when you have the above measures to keep your insurance cost down, it is not necessary to reduce the coverage to save costs.
Claim denial is an incident in which a home warranty company rejects a customer’s request for repair service. Sometimes customer claims are legit and fully entitled to receive services stated as per the contract. Claim denials are considered to be a major reason behind spats between service contract companies and the customer.
While some claims are denied for genuine reasons, some customers argue that companies deny claims on vague grounds often stating fine print from the contract. Yet, there are also cases where the companies were falsely accused of unfair claim denial solely because the customer failed to understand the terms mentioned in the home service contract.
What we need to understand is that not all companies deny claims unfairly because doing so will severely damage their reputation. So unless there is a valid reason, reputable companies will not deny a customer’s claims randomly.
Let’s take a look at some common reasons for claim denials
This is often the most common reason for denying a claim. Most service contracts only cover a fixed set of appliances and not everything in your house. If your home service contract provider gives you this reason, go check your contract and make sure that the appliance is indeed not covered. In case you find that it is a covered item, place further calls to the company and let them know that the as per the contract, the item is covered.
No home service contract covers an appliance that has become damaged due to lack of maintenance. Regular wear and tear is not caused due to insufficient maintenance. It is the result of prolonged, proper usage. It is the homeowner’s duty to carry out regular maintenance routines, especially for HVAC appliances. However, if you believe that the damage is not caused due to insufficient maintenance, tell the company that you need to get a second opinion from a different contractor.
Home service contract providers often tell the customer that the damage was one that existed even before the contract was signed and hence it will not be covered. There’s hardly anything you can do about such a denial. However, you can avoid chances for such disputes by making sure that you get a home inspection done prior to signing the contract. That way the home inspector’s report will clearly state about what appliance has what damage. If it is not in the report and if the item is covered, you may be entitled to a repair service.
Wear and tear due to regular usage and wear and tear due to rough handling and careless usage can be distinguished quite easily. If the damage was caused due to the latter kind of wear and tear, your claim stands a chance to be denied. In this scenario too, you can ask for a another contractor to get a second opinion if you disagree on the diagnosis.
If the appliance was not properly installed and if it violates the codes laid down for safe use and installation, chances are high that your claim may be denied.
It goes without saying that the policy booklet, the contract and the inspection report, if any, must be preserved carefully. The moment you realise that your claim has been denied, go through your contract and policy document to make sure that the claim is denied purely based on the terms in the contract. If you have a home inspection report go through that too. If you feel that your claim has been unjustly denied, you can call the home service contract company again and press the issue.
You can also visit review websites and post a review about your experience. HomeWarrantyReviews.com has a feature called the Complaint Resolution Program (CRP) which is a platform for companies and their customers to resolve their issues. The customer merely needs to report his negative experience with HomeWarrantyReviews.com, following this, he will be asked if wants to take part is CRP. If he/she chooses to participate in it, the company will be notified about his/her grievance and will be given 30 days to respond/ sort it out. If the company fails to respond or resolve the issue, the customer’s negative review becomes public. Some review websites allows their users to resolve the issues with the contract provider by communicating with them through a specific platform. The advantage of this system is that if the home service provider fails to resolve the issue for the customer or fail to respond within a time frame, the review becomes public, thereby affecting the rating and reputation of the company. Most companies do not want that.
Whatever the reason could be, we request customers to make things clear before they react to a claim denial. It could be that the company is not at fault here and because of a misunderstanding, their name gets tarnished. Most of the unpleasant scenarios can be avoided if the company you pick is reputable. Hence we cannot stress enough on the importance of picking the right company, a good home service contract provider will always put the interests of the customer first. Remember, good communication is often the solution to the biggest of problems.
Review filed under: National Home Protection
Author: Donald Walker
On Aug 11, 2008 I contacted someone named Jeffrey at national home protection located in the city of New York City, NY: 42 West 38th Street 8th floor suite 800 New York, NY 10018. I have two properties in the State of California that I was considering home warranties for. I wanted to know if there were discounts for multiple properties. Jeffrey told me he had special pricing for multiple homes called the “realtor pack “which was 15% off quoted prices with a 45.00 Dollar service call deduction. He told me in order to receive these discounts I had to purchase a minimum three year policy. My main concern was what the policy exclusions were. I call it a policy because that’s how national home protection advertised their service on the internet as an insurance policy.
I asked if I could review the home warranty policy first and Jeffrey told me that once I purchased the policy he would immediately e-mail me a copy of the policy to review and also send me a copy through the U.S. mail that I would receive in about three days, along with 300.00 Dollars in Home Depot gift cards (50.00 per property per year) that were part of a promotional link to their web site and that I had 30 days to review the policy before it went into effect and that I could cancel at any time and keep the gilt cards, and after 30 days I could cancel with a pro-rated refund .I then gave Jeffrey my credit card number over the phone to complete the purchase. On Aug 13, 2008 I checked my e-mail and had not received the policy from Jeffrey, I did receive an e-mail from someone named Victor Hakim Sales Manager at national home protection (nhp) who offered me the same so-called “realtor pack” deal (see attachment #B) that I had just purchased from jeffrey but without the requirements that I was subjected to earlier. I now realized I had been the victim of false and misleading business practices at nhp. On Aug 18, 2008 I finally received the (2) insurance policies. In the mail from nhp and after further review found that Jeffrey misrepresented the facts about their cancellation policies and promotions (I received no home Depot card nor could I cancel the policy at anytime). He clearly committed fraud over the phone. I immediately contacted nhp and spoke to someone who refused to give her name, about cancelling the policies. I was told my request was being forwarded to a manager for review and a decision would take 72 hours then someone would call me. On Aug 20, 2008 I sent two e-mails as a reply to victor hakim about dissatisfaction with nhp and demanded a full refund. I explained that Jeffrey had not explained the terms or conditions to me as stated in their policy, and that as I looked further into their company I found out that it was common for his employees to deceive the public. Further nhp does not make assurances that the public understands their cancellation policies, nor do they provide reasonable time to review or an opportunity sign their policies. My e-mails were never answered.
On Aug 20, 2008 I faxed to nhp a formal notice to cancel all policies and continued to call. All faxes were verified as received. On Aug 22, 2008 I called nhp and again spoke to someone who told me that my cancellation request was still being processed and my final call to nhp was on Aug 25, 2008 when I was told nhp will not accept my request to cancel the policies. It’s very clear based on the sampling of hundreds of complaints which I have enclosed with this letter that National home Protection engages in deceptive business practices to obtain their customers. Consider that fact that a policy that takes seven days to reach a customer via U.S. mail would be impossible to review with three day (72 hour) clause or the fact that nhp employees do not inform their customers of the importance of these conditions and assures that they fully understand them.
Nhp has an extensive history of deception and fraud and has an unsatisfactory rating with every known consumer protection agency, and was doing business under the name of United Home Warranty, and are currently under criminal investigation in the state of New Jersey for consumer fraud. They have now changed their name to National Home warranty and are currently doing business in the state of New York.
Their customers are being denied service for no reason, hundreds of customers never receiving their (Home Depot) promotions and cancellation requests denied.
I hope this information will encourage you to do what’s necessary to protect thousands of Americans from consumer fraud and deception by National home Protection as witnessed at:
1. Complaints.com 6.Abclocal.go.com
2. Scams.com 7.The squeakwheel.com
3. My3cents.com 8.Consumeraffairs.com
4. Complaintboard.com 9.thestuccocompany.com
5. Ripoffreport.com 10.viewpoint.com
Additional advice about home warranty:
Home appliance warranty coverage varies and you should be aware that not all home appliances and furnitures are covered. While Kitchen electronics, and electrical system are covered, storage cabinets, ceiling fans, and furniture repairs are generally not covered
Can a Contractor benefit from the Home Warranty Companies? There may be universal consensus on the subject which is why this article is dedicated to show how work can be extracted and also examine the full scope of benefits a Contractor can draw from a Home Warranty Company.
The better the reviews for a Home Warranty Company (New York, Virginia, Texas, California, etc.), the better your chances of earning and saving more at the same time. What makes it so attractive is the almost nullification of advertising costs for the contractor. All companies that work along with Contractors offer free referrals to Contractors, to all their home warranty customers.
In order to make the most of the significant market that exists, it is never enough to know the technical know-hows of how to repair electronic appliances but you should also be ready to expend a part of your revenue into marketing your brand.
Another reason it is beneficial to work with a Home Warranty company would be because it guarantees continuous work, and you are less prone to be out of work on a not-so-profitable season. With increasing work calls from the Home Warranty Company, the more chances you have at expanding your brand, either by hiring new technicians or buying new work-enhancing technology. With this sort of reliability, you could be fixing an AC and heater at any time of the year.
This can also prove beneficial to the Home Warranty company too as the contractors provide good reviews of the companies they are working with, increasing their chances of contacting them again or even spread goodwill by word of mouth.
When you decide to take on this relationship with a Home Warranty Company, it is also important for a Contractor to remember that he/she must be efficient in receiving calls from customers, who are directed from the Home Warranty company itself. Customer service is the lifeline on which the success of Contractor business can rely on, especially in the case where you are working with a Home Warranty Company where all your customers are directed from the contact number you provide the company.
Joining bigger Home Warranty Companies can give you a form of exclusivity if one outperforms all the contractors a company has hired. This will allow you to appear at the top of their list of contractors, especially if they provide reviews’ section.
Almost all leading Home Warranty Companies offer online applications which you can fill up in your leisure time and submit with all the relevant information typed in.
Some of these leading Home Warranty Companies include,
The customer reviews’ section within our own website can also be found for some of the top rated Home Warranty Companies like American Home Shield, The Home Service Club, Secure Home Warranty, America’s Preferred Home Warranty-APHW, Select Home Warranty and First American Home Warranty (also picked as 2017’s Editor’s Choice, a brand new category introduced this year).
However, all contractors are requested to review the home warranty companies they’ve worked with on an exclusively dedicated space called the Vendor’s Area. Here, one can dish out all the good and bad experiences one’s had by taking up the jobs given by the home warranty companies.
Some of the benefits to the contractor by working with a Home Warranty Company like above, in addition to the ones already mentioned, would be:
Renowned Home Warranty Companies also help their contractors in times of need, which include an experienced support team and a high limit on calls. Companies like Home Warranty of America also helps Contractors claim costs.
Before filling up your application form to become a Service Contractor, it is a necessary step to license your contractorship. Every Home Warranty Company expects the Service Contractor they are about to work with are certified contractors with a license and hence you are required to fill up your license ID in the application form.
Also you are required to fill in your Auto Insurance Policy Number, and your General Liability Insurance Policy Number (optional). Insurance Policies are in your own interest, hence even if some of them are optional we recommend you create one if absent.
Diversifying your skills can also be very beneficial before applying for a Contractorship with a Home Warranty Company. As you fill up your application, you are asked of your specialization and hence learning new skills can help you strike off more blanks, increasing your popularity among the reviews and consequently help increase your revenue.
Consistent work can be guaranteed when you are able to juggle with different kinds of repairs be it plumbing, garbage disposal, weed/lawn mowing, ceiling fans, gas fireplace or septic system. These numbers can go up to a hundred so a little bit of extra skill can only put you so much ahead of the rest of the contractors.
If you are looking to expand your presence in contractorship, applying to work with a Home Warranty Company is the best as it can get. You can save and earn more at the same time, a chance usually deprived for those working outside of these companies. There are many ways you can utilize such an opportunity, more so as there are numerous Home Warranty Companies and your chances at getting in at any one of them aren’t nearly dim. Go ahead and fill your applications now!
Our portal also lets you access some of the most sophisticated lists of best home warranty companies, ranked on a various different criterion. This is, in addition to the Complaint Resolution Program (CRP) and Home Maintenance Calculator. Be sure to check them out!
Is the increasing price of home warranty and insurance your concern?
You may be wondering why appliance warranty costs are always on the rise. We know that it is a huge financial strain to keep your expenses within your budget. It therefore comes as no big surprise that the yearly increase in your annual premium or just the cost of procuring a home service contract makes you want to scream.
Naturally, you begin to wonder if it is a good idea to drop home warranty. My dear friend, that may not be a very wise move. With the prices of everything around you skyrocketing, what makes you think that the prices for appliance repairs would drop? Labor charges, material charges and every other charge on the surface of Earth has gone up.
This means that if your appliances stop working, you will be paying quite a huge sum of money to get it repaired. And in another two years, the price may vary significantly. Now, if you had an appliance warranty, you wouldn’t have to pay so much. We suggest that you keep your warranty.
Now we can’t alter the prices for you, that would be difficult (read impossible). But we can explain why the prices have gone up over the years. Before that, let’s tell you what an appliance warranty does.
Home service contracts are usually bought for a specific period of time during which expenses incurred for repairing your household devices will be covered. As long as the damage occurs for a covered device in the designated time frame, your only expense will be a nominal service call fee while the expenses for the repairs will be paid by the warranty company.
So, with prices of materials and labor rising each year, is it not natural that the annual premium rises along with it? Yet another significant reason for annual price hike goes like this. As each year passes, your house becomes older and so do the appliances in it. Which means that the chances of them breaking down are also increasing. So you see, the risk of malfunctions and system damages increase with each passing year. Hence to keep up with things, the warranty companies often hike the rates by a certain percentage. Also, if you make a claim, the annual premium may hike by a small margin in the next year.
We don’t have precise numbers from the appliance warranty industry, but we can get you a glimpse into the hikes in the homeowner’s insurance industry. The figures are often comparable.
Let’s take a look at the places where there is highest hike after a claim is made
Now let’s take a look at the places that have lowest hike following a claim.
Source – insurancequotes.com
The reasons for these differences are many. The labor and material costs vary from one region to another and contribute to the premium. The state regulatory requirements can also add to increase in costs.
The average increase in annual premium varies from company to company and therefore you can get price quotes for home warranty companies and compare. Most companies determine the annual premiums based on your location and the age of your house. Sometimes it is also dependent on the number of service requests they take each year.
The appliance warranty providers industry has exhibited a decent growth over the last few years. The industry revenue is expected to increase at annual rate of 0.4% to $1.8 billion. Their profit stands at $197.4 million with wages amounting up to $176.1million. Over the years, a few providers were acquired or merged by/with their peers.
In the next five years, the industry is expected to show an annual growth rate of 1.8% to become a $2.0 billion industry. It is believed that the recovery of the housing market, home sales and homeownership rates will increase. This in turn may lead to an increased demand for appliance warranty. Also, as the economy improves, incomes and consumer confidences are expected to rise leading to an increased spending on home appliances and other fixtures.
We certainly hope that you found this article helpful! We have presented a true description of the industry and its working in the most honest way possible.
Yet we have to say that inspite of all the costs, a home service contract is indeed a very wise purchase if any of the following are true. You can also read our Guide to Home Warranty buyers for further assistance.
As a quick advice, if any of the following are true, it is recommended that you purchase appliance warranty.
Keep in mind that the policy booklet and the contract documents are vital documents. They have to be studied and preserved very carefully to avoid future conflicts and annoyances.
Green is the color of choice for those who wish to protect the environment and mother earth. Green fever is catching up quickly and everywhere you see, companies are coming up with new eco-friendly products whether it is energy saving products, reducing plastic usage or simply buying products from companies that are known to promote environmental awareness.
If you are shopping for a new home warranty insurance, you may want to ask if they choose ENERGY STAR appliances when they replace the old appliances
in 2008, Home Warranty of America started its GreenPlus program which provides an option to choose energy saving appliances. The program costs an additional $6.25 a month and provides replacement of covered appliances with ENERGY STAR qualified products.
“We’re so excited GreenPlus has been positively received over the past year. At this point, selling thousands of these options has surpassed our expectations,” says Marc Roth, CEO and President of HWA according to the press release.
GreenPlus covers the refrigerator, dishwasher, clothes washer, heating system and water heater for an additional $6.25 a month or $75 a year. When homeowners with GreenPlus encounter an event wherein an insured piece of equipment cannot be repaired, they receive an ENERGY STAR qualified replacement, which is typically a higher end model than their existing one.
“We wanted to create a product that allowed our customers to reduce their energy consumption and save money while helping the planet at the same time. We know that Realtors and homeowners want innovation from us in our products and are increasingly interested in being able to choose environmentally friendlier options,” added Marc Roth. HWA also said they are looking to develop more innovative options in the near future.
Home Warranty of America, Inc. of Buffalo Grove, IL, was founded in 1996 to provide home warranty coverage for houses, town homes, and condominiums. The Company provides its comprehensive home warranties directly to the homeowner and takes the worry out of buying and owning a home.
Maintaining everything in the home is one of the major concerns homeowners have to deal with. Every homeowner worth his salt will tell you that the primary expenses incurred in the process of home maintenance are due to appliance and system faults.
Having said that, we’re sure that everyone has heard of Appliance / Home maintenance plans or simply put, home warranty plans. Such plans are contracts that agree to provide you with discounted repairs and replacement services for household appliances and systems. Do keep in mind that such plans are for ageing appliances that have suffered quite a bit of wear and tear over the years. Appliance warranties only cover damages that are due to age, wear and tear.
The working of such plans are quite simple. You purchase the warranty from a home service provider for a specific duration. During the coverage period, if your appliances / systems breaks down, you only need to call the your warranty provider. They will send a technician to fix your faulty item at just a nominal service charge fee. The actual cost of repairs will be borne by the company.
Hence, in many ways, a warranty is a wise way to protect your budget from unexpected expenses. To know more about home service contracts, read things to know about home warranty. You’ll find that helpful.
Now, coming to the actual problem that this article addresses, cost of home maintenance plans. In general such appliance warranties are affordable and reasonably priced. Most companies offer a specific set of plans from which you can choose, based on your requirements.
The annual premiums for a home service contract ranges between $200 – $ 600, for a home under 5,000 sq.ft. When you purchase a plan, you will be provided with a policy booklet that explicitly specifies all the items that will be covered. You will also be provided with information about various other terms and conditions. Like we said before, home service contracts do not cover damages due to anything other than age and regular use. For faults due to crime, hazards and other perils, you may want to check the difference between home insurance and home warranty.
In addition to the annual premium, you may also have to pay a nominal fee as the deductible each time you raise an issue. Deductibles usually cost between $50 – $100. There are some companies that offer zero deductible appliance protection plans
Like we discussed before, different providers charge different amounts for their plans. Following are the facts that decide the cost of home warranty.
If you want to purchase a home warranty plan, we suggest that you get your home inspected first. While some companies offer this service prior to the contract being signed, some companies do not. A home inspection reveals a lot of potential problems that your house may face and the inspector may even recommend a plan to make the best out of home warranty.
If you are still unsure about home warranty, we suggest that you go through our web site and read some informative articles that may help you solve some confusion. That said, we still think that a home warranty is a clever way to protect your appliances and save cash in the process. Cheers!
When you look at the words most often used in emotional complaints about home warranty companies you may find that “scam” is a very common term. But if you look very closely at the home warranty industry it’s hard to find evidence of a scam rooted in the established home warranty companies.
Though homeowners are not always happy with the speed or manner of the response to their claims it takes more than just complaints to make a true scam. So are there no scams in the home warranty industry? My personal opinion is that there are plenty of scams and if you look back you’ll find plenty more in the past. Does that make the home warranty industry unique? I definitely don’t believe so. Auto insurance, health insurance, home building, government, religion – you name it, there have been scandals and grounds to throw words like scam around. A home warranty is not unique in that it has unhappy customers. Show me an industry without unhappy customers and I’ll be the first to change careers. But like I mentioned before, home warranty customers have been victimized and are probably being victimized even today.
Spotting the scams and the companies that are not operating with the best interests of their customers in mind is the very first priority. This is where homeowners and legitimate home warranty companies can work together. Real estate agents, home repair contractors, home inspectors, and many other professional and customer advocacy groups can also help to point out the signs that home warranty companies are not doing what is right for their customers.
How can homeowners identify home warranty companies that are likely to be scams or just not be doing what is right in terms of their commitments to customers? There are a few basic approaches to getting a good read on a home warranty company and all of them involve some time spent doing homework. What this comes down to really is customers taking their time and not making impulse purchases of home warranty contracts. And during that period of finding out about a home warranty company here are some things homeowners would be wise to look out for:
It’s difficult to predict what sort of stunt criminals will pull tomorrow but in terms of what scams I’ve heard of up to now, here are a few. The names may be funny but the financial losses and wasted time on the parts of the jilted customers are nothing to smile about.
This one involves a company that isn’t a company at all. It has none of the financial depth that is required to cover the costs of handling repairs and replacements when home warranty customers file claims. In fact, these companies rarely have a real office and follow the same pattern almost every time. They deny all the claims they can, approve the ones they can’t but then don’t pay anyone for the work performed, and then when frustrated customers cancel they promise refunds which they also fail to pay.
These companies oftentimes pay their contractors and approve returns but do so in such a way as to gradually put the company further and further behind on various debts. While they do this they use positive customer reviews to attract more customers and also spend a great deal on advertising in some cases. By the time they become fat with customers and reach their peak they’ve already bankrupted the company through poor management. The customers who are holding new home warranty contracts the day the company finally sneaks out its back doors and turns off the phones are the ones who get hit the hardest. Sometimes this type of scam leaves a long-term trail of customers who don’t find out their contract is worthless until they attempt to contact their home warranty company’s customer service center. This grab-the-cash-and-dash routine has burned many, many homeowners over the years.
Some people who found bad home warranty companies get away with their misdeeds or only receive a slap on the hand that holds the checkbook. They then go on to start other home warranty companies using new company names and sometimes using different people as the officers or owners of the company. By disguising themselves they evade the public scrutiny that would otherwise stop their scams cold. Homeowners caught up in the web of these characters can count on denied claims, shoddy work, unpaid contractors pursuing the homeowner for debts the home warranty company owes payment for, and many other unpleasant circumstances.
For the sake of other consumers, friends, and the home warranty industry where companies work diligently to satisfy their customers, any homeowner who feels that a claim was handled unfairly or that there are signs of misconduct on the part of their home warranty company should not remain silent. All too often home warranty companies give the overall industry a bad name with their poor handling of claims, contractor relations, or other important areas of their businesses. And in the case of true scams, more often than not, the people behind the scams only get away with what they do because it takes so long for anyone in a position to stop them from realizing what is happening. As consumers realize their options to use government offices, social media, and word of mouth to sound the alarm about bad home warranty companies it will become more and more difficult for new scams to find victims.
This is a guest article written by Kevin Wallach. As owner and writer at CompareHomeWarrantyQuotes.com Kevin spend a great deal of time collecting information to help his readers better understand home warranty plans. Though home warranty is not the most popular topic online, it does mean a lot to homeowners who need help with questions about it.
2-10 Home Buyers Warranty is in the process of launching Green Advantage Warranty as part of protection assurance programs for new and upcoming green building initiatives.
The 2-10 home appliance warranty company offers Green Advantage Warranty to builders who meet eco-friendly standards. Builders need to build homes that fulfill the requisites of Energy Star, National Green Building Standard (NGBS), or Leadership in Energy and Environmental Design (LEED) standards.
Green Advantage Warranty includes repairs and replacement of Energy Star certified products and appliances. Coverage includes the replacement of green labeled items, engineered wood products, sustainably harvest lumber, low or no emission finishes and recycled products with accordance of applicable national certification standard.
Scott Cromie, Chairman and Chief Executive officer states that “With one in four homes now certified by green building standards, it is clear that home buyers want a more eco-friendly home, and that offering warranty protection that targets these values offers builders a clear competitive edge,” and also reports “Our new Green Advantage Warranty represents 2-10 Home Buyers’s Warranty commitment to greener business practices, and celebrates the home builders and home buyers who want a greener home and lifestyle. We’re proud to offer a product that meets these standards, while continuing to provide the same leading, trusted protection our company stands behind.”
Builders interested in participating are encouraged to call 877.777.1344 for more information. You can register to 2-10 HBW Green Advantage Warranty, just by adding up a minimal additional fee over the existing standard rate. It is as simple as checking a box next to the certification standard on 2-10 HBW’s Home Enrollment Application.
Green Advantage Warranty is an added policy to the company’s existing home warranty package, including one, two and ten years of coverage offering for new construction home builders. Company’s 10 years warranty covers structural warranty defect. Under the policy of 1-2-10 warranty one year of surety coverage of workmanship and materials. Two years of warranty also covers on systems.
About the company
2-10 Home Buyers Warranty® is in market for more than 30 years, now the company has offered customers and their homeowners the most comprehensive warranty program available. Whether you’re building, selling or buying a home, 2-10 Home Buyers Warranty offers a complete line of warranty, service contracts and risk management products. Since 1980, 2-10 Home Buyers Warranty has provided warranties and service contracts for more than 5.5 million new and pre-owned homes.
Here’s a funny pictorial story that gives a peek into how does a Home Warranty work. Mr.Fox here is our friend who purchased a home service contract. His beloved washing machine crashed one day while the contract was still valid.
Now, back to the story.
Mr. Fox had an appliance warranty, so he did not have to
Mr. Fox simply called the home warranty company who in turn called up a service contractor with whom they maintain business ties. The warranty company sent a technician to Mr. Fox’s home to take a look at the appliance. The tech fixed the issue right there as it was a minor problem. You see, if the problem was big and if parts needed to be replaced, the tech would have had to wait for the approval of the warranty company before doing it.
Once the problem was fixed, the tech collected the service call fee and departed his way. Mr. Fox lived happily ever after resting assured that if his appliances crashed, he would always have his home warranty company to rely on!
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!
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.
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.
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.
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.
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!
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!
Just the decision to take the task of building a home into your own hands can be daunting, keep aside the fact that liabilities are now yours alone to deal with. The joy of being there every step of the way and having a say in every brick, beam, and wall comes with a lot of responsibility. The smallest of injuries on site to a worker, accidental falls, natural disasters and other unforeseen circumstances can put your budget off by thousands of dollars.
Time is a factor as well, having the plan pushed back by weeks, if not months; time and money that you cannot get back. Such accidents are what makes it prudent for you to invest in structural insurance, warranty and legal coverage for all the essentials.
Structural insurance functions within the parameters of Builders Insurance and Site Insurance, covering claims regarding the foundation and architectural framework of the building, as well as the integrity of the site it is built on.
As the percentage of self-built homes increase in the US, numerous companies now offer a comprehensive list of structural insurance for homes built without the assistance of building agencies.
If narrowed down to just structural claims, structural insurance covers the claim of any structural defects in a home for a fixed number of years after it is built. Often certain companies have a secondary set of rules, pertaining to the fact that the claim will only kick in 7 to 10 years after the house is completed.
That being said, structural insurance usually comes hand in hand with site and builders insurance as well, both essential and usually synonymous with structural insurance.
Site insurance is offered to builders as well as individuals who have purchased land and intend to construct. It not only covers any natural disaster-related damage – fire, storm, flood – to the land, but also the temporary structures on it. The coverage puts aside a certain sum to take care of any unforeseen circumstances that may cause huts, caravans, tools and the building under construction itself to be partially or wholly damaged.
Certain insurance companies not only take care of the monetary side of things but also offer services to clean, repair and bring back the space to its former state.
In recent times, Builder’s Insurance has become a must for self-built structures, especially since it establishes a sense of trust between the homeowner and the bank or builder who is offering monetary assistance.
Builder’s insurance acts as the umbrella under which site and structural insurance fall, but often companies do cater to individual needs by offering them separately. These insurance policies even accommodate for theft of tools and valuables from the site, but usually, put a limit of the claim. That being said, it is important to pick appropriate coverage plans and not under or over-insure your property.
Allowing delays and pushbacks, any building or structural insurance for individuals who are constructing on their own extend to 18 months, as opposed to the usual 12-month coverage given for builders.
Building a home isn’t only about the structure and integrity. Along each step of the way, you have to be aware of not only accidents and loss that are beyond your control, but also any harm that the process may cause to workers, the public and adjacent private and public property.
As a homeowner, you are liable if any of your workers are injured during the course of construction, or even if they fall ill due to toxic substance exposure while they worked for you.
Even a trespasser walking into property can have a legal claim if he or she is injured due to any improper construction methods.
Damage to surrounding property can be another reason you are faced with a very large bill for compensation. Everything from a falling tree branch to heavy machinery vibrations that may cause harm to adjacent structures can be seen as cause for a lawsuit. Most often, such damage is seen to happen during the time when your foundation is being set, causing worry about underground water sources and support extending below the ground of other buildings in the area.
Besides structural and builder’s insurance, warranty extends the coverage, claims, and care for years after the home is built – taking care of issues and damage that insurance does not address. While insurance deals with unforeseen circumstances and matters that were out of your control, Home Warranty offers solace when you need to deal with maintenance, repair, and replacement due to general wear and tear.
Usually put in place for a period of ten years, Structural Warranty covers defects in the foundation, load-bearing walls, beams, pillars and sometimes even wiring and plumbing systems. Not only does it keep you worry free, it also assures that any negligence on the part of the contractor is covered for without conflict.
Home warranties, or home service contracts as they’re more correctly called in Washington and elsewhere in the nation, covers the costs of some repairs that are needed around a house each year. These repairs are often small things, but even small costs add up. And then there’s the time taken away from work and family life to deal with the arrangements for the repairs. So the point of a home service contract is to help save time and money when things around the house stop working properly. But there’s a catch to the whole thing. That catch is the quality and availability of professional contractors to do the work required.
Most established home warranty companies have huge networks of home repair contractors, ones they regularly check for customer satisfaction and overall quality of work. So customers of big home service contract companies can typically count on there being an abundance of good repair contractors in their areas. But this does vary when you consider small towns, states with highly rural populations, or crowded metro areas with more customers per square mile than in suburban or rural areas. With all this under consideration, it pays for home warranty buyers to understand which companies are the top ones in their local areas. In short, it pays to understand the market for qualified contractors before buying a home warranty.
Today we will cover the state of Washington. What’s the home warranty market like for people living in the state of Washington? That’s today’s topic in our top companies series!
Residents of the state of Washington live close to the heart of the U.S. home warranty industry. The western part of the country is home to some of the largest and oldest home warranty companies. And the homeowners out west are typically more knowledgeable about using home warranties too. Between the savvy consumers and the abundance of choices, there is a thriving market for these service contracts for homeowners.
Among the most popular companies in Washington are ones you’ll find in our top ten companies list. But there are also companies such as Fidelity National Home Warranty which fall outside of HomeWarrantyReviews.com’s top ten companies, by our website’s users’ ratings. According to Google, one of the most searched companies in the home warranty space among search engine users in Washington is Fidelity National Home Warranty. And though search volume is not an indication of sales volume it’s still worth noting that we don’t necessarily capture all the data needed to say for sure which companies are selling the most home warranties in individual states. So as you read on, please keep in mind that these top companies are a reflection of what you’ll find in our website’s users’ reviews and company ratings.
According to HomeWarrantyReviews.com’s statistics, ratings and reviews accumulated for many years now, homeowners in the state of Washington overwhelmingly prefer American Home Shield. We reached out to the company for comment after discovering this to be the case.
Mike Clear, VP of Operations at AHS weighed in on what he believes is behind American Home Shield’s success in Washington.
|“Homeowners in Washington expect and deserve outstanding service and value. At American Home Shield, our employees and network of local service contractors proudly provide both, each and every day. When things break down, we solve problems, plain and simple. This means being there when you need us most; making sure you have convenient access to technicians who have the expertise to diagnose and repair covered items; and protecting your budget against unexpected repair costs. We founded the home warranty industry 45 years ago, and no one pays more in servicing claims or protects more customers than American Home Shield.”
AHS is by far the largest company in the industry today. So in some ways it makes sense to see them on nearly every top companies list we publish here on HomeWarrantyReviews.com. But there’s something to keep in mind when you consider that the company that’s the biggest also has the most customers. And that something is customer satisfaction. Though no company keeps every customer happy all the time, AHS has done an extraordinarily good job pleasing its customers who post reviews here on our website. So whether you’re in Washington or elsewhere in the U.S., American Home Shield is one you should probably include in your list when comparing home warranty companies.
Based in Colorado, 2-10 Home Buyers Warranty has been serving American homeowners for almost four decades. Like American Home Shield, 2-10 is one of the top companies in the industry in terms of longevity and number of customers. In addition to providing home service contracts, 2-10 also sells home warranties in the true legal sense, meaning the contract covers defects in the builder’s work or materials.
As one of the original companies in the home warranty industry, 2-10 has a presence across the U.S. and an expansive network of professionals serving its customer’s repair needs.
As part of the Direct Energy family of companies, Home Warranty of America brings its home service contract offering to the western U.S. via its network of regional sales representatives. HWA assists real estate professionals and homeowners with many different scenarios in which coverage of home repairs are important. This includes periods in which a house is listed for sale or has just been purchased, as well as longer periods of time in which an owner of a home would want to offset the costs of repairs due to an unexpected system or appliance breakdowns.
We reached out to them for a comment about their service to Washington residents, and Monica O’Neill, HWA Product Manager, had this to say.
“Home Warranty of America has experienced tremendous growth in recent years and we are very grateful for our loyal customers. We truly enjoy providing reliable solutions and being a home warranty partner to real estate agents and homeowners across the great State of Washington.”
Customers of Home Warranty of America have the security of working with a home service contract provider backed by a big parent company, well known in the energy space. And financial stability is one of two of the most important things to look for in a home warranty provider.
That wraps up our short list of top companies in the state of Washington. Come back here soon for new articles about companies providing home service contracts in other parts of the country.
Readers in Washington, if you have a company you’d like to give a shout out to, please do so in the comments below! If you represent a home warranty company doing good things in Washington, please feel free to mention your company in the comments below as well.