Public Service Enterprise Group (PSE&G) is an energy company headquartered in New Jersey. They also have a host of products meant for homeowners across NJ. Here, we will be reviewing their appliance repair services.
WorryFree is an appliance protection plan covering a range of heating, cooling and appliance repair/replacement services. The protection plans are offered by PSE&G to New Jersey residents. The company claims that customers who move to Worry Free protection, experience peace of mind and budget protection.
The company is said to have a large team of skilled contractors who provide efficient repair services. Here is the list of heating and cooling devices PSE&G WorryFree plan repairs for you.
To schedule a repair service, customers can simply visit their website and place a call to the customer service center number provided onsite. After providing all the relevant information, the representative will then schedule the appointment at the earliest.
All NJ customers receive replacement services when they sign up for the WorryFree plan. To avail this service, customers must call up the company to get a free estimate and information about the various replacement options. Customers may even qualify for N.J state rebates up to $900. For further details, readers are requested to visit their website.
PSE&G also offers business protection to N.J. business customers. A WorryFree Business Heating Protection Plan is said to be one that provides fast service when you are in need. It covers your water heater (gas) PLUS one gas boiler furnace OR one rooftop gas heating unit.
The company claims that you can avail additional benefits like the following:
Reviews and feedback reported about the WorryFree plans by PSE&G are mixed to positive, with positive reviews being reported more often. Like most companies that sell home warranty services and products, PSE&G too will have their own set of hurdles. On the whole, the plans seem to be as good as warranty plans provided by other reputable companies. However, since warranty needs vary from person to person, only a customer can make a choice on whether the plans are suited for his needs or not. We suggest that our readers visit the website of PSE&G to gather further information about their plans and services before you make a purchase
Official website: pseg.com
Contact number: 800-4367734
35 Journal Square Suite #2, Jersey City, NJ 07306 (corner of Bergen and Newkirk St.)
317 George St. New Brunswick, NJ 08901
If you don’t have much time to sit around reading elaborate articles on how to clean your dishwasher, take a look at the image given below before you run back to the kitchen to finish cleaning your dishwasher. For those of you with time on your hands, continue reading for effective methods and tips to maintain a healthy dishwasher.
For those of you who are still waiting to get further details and instructions about cleaning your dishwasher, here is some happy news. A dishwasher is an appliance that requires very low maintenance efforts as it cleans itself to a certain extent during each wash cycle. So frequent cleaning may not be necessary. However, in order to ensure that the internal parts remain unharmed and functional, it will be wise to clean your dishwasher once a month.
Following instructions are an elaborate version of the above steps steps
Most often, regular cleaning alone does not ensure proper maintenance of your dishwasher. This is because there are certain parts within the appliance that are hard to reach and thereby overlooked during the cleaning. If you have doubts regarding how you could maintain your dishwasher properly, the following steps shall shed some light on it
It is the bottom portion that often requires to be opened out so that it could be properly cleaned. This region usually has a grate or a grill through which dirty water is expelled. If you can remove the solid debris accumulated over here, opening the grate may not be required. However if you see debris lodged deeply into it, you may have to open the grate to give it a proper cleaning. This task does not always require a technician, if you follow the instructions carefully, you can do it yourself.
It is essential to refill the rinse air dispenser as this avoids spots on your dishes. To do this,
Although regular maintenance will help your appliances last longer, they certainly won’t make them everlasting. Hence we suggest that you consider buying an Appliance Protection Plan to protect yourself from unnecessary expenses that may occur due to appliance breakdowns.
Do you have a trusted appliance lying around your household for the past few years that you don’t want to give away or replace? Yet you are worried that it’s going to crash pretty soon leaving you with no other option other than repairing it or replacing it with a new one? Fret not! This article will shed some light on how to insure your household appliances against potential breakdowns
Let’s begin by comparing Home Warranty from the Homeowner’s insurance policy. The primary difference between the two is that Home Warranty covers repairs and replacements of failed appliances and systems, while the the Homeowner’s Insurance covers damages caused to your home and its content by natural hazards or theft. You can always find a contractor to repair your damaged appliances, but more often than not the costs involved in such scenarios are rather high. The other option that you have is to apply for a Home Warranty plan.
The Home Warranty plan is a contract of service that covers repairs and replacement of appliances and systems in your home. Depending on the kind and extent of coverage you wish to avail, the annual premium for the Home Warranty plan can range anywhere between $ 250 to $ 450. In addition, each time you approach the warranty company for a service, you have to pay a service fee usually called as the deductible. This is around $ 50. You can take a look at the table below if you want to know he systems and appliances that are covered under the Home Warranty Plans.
If you have doubts regarding whether or not your appliances need a Home Warranty Plan right now, take a look at the following chart. It tells you what the average lifespan of the common household appliances.
Now lets discuss the most important question.
Let me clear the former first. You have two options, you can either avail an extended warranty for each appliance or you can get a Home Warranty which covers all your appliances. Although, getting extended warranty on each appliance is not a wise decision, the best way out is to get a Home Warranty.It is also suggested that if your appliances are not new and over four years old, getting a Home Warranty will turn out to be highly useful. However, if your home and the appliances you own are reasonably new and still covered by the Manufacturers warranty, you may want to consider taking an extended warranty. You can click here for further details and comparisons between the two.
If you are wondering how this works then here’s the answer. The company offering a Home Warranty plans often sign contracts with vendors offering repair services to appliances. Each time you approach your warranty provider with a claim, they call up these repair facilities which in turn sends a technician to evaluate the condition of your appliance.He shall decide if your appliance needs to be repaired or replaced.Service charges(deductible fee) of the technician shall be paid by you and it is always nominal.
If you have read so far, then it would mean that you are genuinely interested to know as much as possible about Home Warranty plans. Few hiccups that you may encounter are as follows:
It is again stressed that you read your contract carefully and have it looked over multiple times , paying immense attention to the monetary factors.
Despite the issues that were mentioned, it is advised that you insure your appliances by availing a Home Warranty Plan. Costs incurred during repairs and replacements can be considerably reduced if you have a sound Appliance Protection plan. Also, if you choose to sell your home while the Home Warranty plan is still valid, the value of the property is likely to be higher than when it is sold without a Home Warranty. Most buyers recommend strongly in favor of Home Warranty plans. You are likely to do the same if your choice of home warranty provider is good.
Here is the summary of benefits you shall have if you avail a Home Warranty Plan
May it be reminded again that reading the contract well is of utmost importance. You can get a free estimate on home warranty from top rated companies on our website before you purchase the plan.
Builder’s warranty is a written statement by the builder assuring that the house was completed as per a stipulated set of standards. This provides a form of protection to buyer from latent defects.
This form of warranty is also called a Limited warranty and is issued by the builder on their work. This is done either within the sales contract or as a separate document. The period of duration of such contracts are usually between one to ten years.
A Typical Builder’s warranty covers only the material and workmanship issues of various components relating to a new building. This includes
As mentioned before, the duration is largely dependent on the component. For example, material and workmanship issues are covered for a year. This would include paint, drywall, siding and stucco, door and trim etc. HVAC, plumbing and electrical units are usually covered for two years. Major structural defects like a roof that may collapse or any other structural damage that pose danger to the residents are covered for a period of up to ten years.
These warranties do not cover the cost incurred by the owners as a direct consequence of material and workmanship issues. Eg, staying away or moving out temporarily while a repair is being conducted. They also DO NOT cover the following:
If you wish to make a claim for your repair, first and foremost, refer to your warranty contract to ensure that the damage is indeed a covered one. If so, place a request to the builder informing them about the damage and requesting for a repair. It is recommended that you place this request in writing even if the company has a telephonic submission method. Ask for receipts and keep records of all correspondence. These records will help you if a dispute arises.
The builder’s warranty cannot replace the Homeowner’s Insurance or Home Appliance Warranty. All three are very different and have their own unique features.
For your own safety, it is suggested that you ask the following questions about your warranty.
The laws related to enforcing these warranties vary in each state. Therefore it will be a wise step to check with your State’s attorney general’s office or contractor licensing board to ensure that your builder follows all the laws as required by the state law.
Make sure that the contract is thoroughly studied and preserved. Experts say that the longer the contract, lesser the benefits. Such long contracts indicate inefficient builders who use vague clauses to narrow down the possibility of you succeeding in filing a claim. Shorter the contract, better the builder.
You may be asked to sign a “Warranty document” at the time of closing the sales. This is often a way to impose more rules on you and thereby narrow down your chances of making a claim on your warranty. If you have already agreed to sign such a document on your sales contract, you can’t do much about it. But if you have not consented to any such thing, you can and you should refuse signing this.
Towards the end of the duration of your contract, get your home inspected by a professional home inspector. This will help you make the best out of your warranty.
We stated earlier that the builder’s warranty cannot be used to replace a home warranty. Although both these plans cover home and it’s components, they are poles apart on certain matters.
You can also read about Differences between Homeowner’s insurance and Home Warranty.
The builder’s warranty is always a good way to ensure that you won’t have to pay for any repairs caused due to faulty or badly constructed structures. Always remember to clear all questions you have prior to signing the contract. Once signed, preserve the contract and other documents carefully. Should you ever feel that the service you received is not up to your expectation, spread the word. You can visit websites like ours to read about warranties and other topics related to owning a home. Cheers!
Gardening is a pleasurable activity! Starting a new garden is truly thrilling but before you go for it, first decide where the garden should be and what you want to grow. Setting up ahead for your garden is very important as it will save time and money.
The price of everything is going up these days and you are likely for some ways to save money. A vegetable garden is a great start in doing that. A United States Department of Agriculture (USDA) study recommends that one tomato seed can grow as much as $50 worth of tomatoes!
If your path of option to savings is a vegetable garden and you are new to gardening or have little experience, then you have come to the correct place. When you are just getting started, gardening can be scary. How do you even know where to start? Here are some basic tips that can make vegetable gardening more fun, more productive and certainly help you produce fresh veggies, fruits and herbs.
If you are all set to think about a vegetable garden, keep in mind this—it’s better to be proud of a small garden than to be bothered by a big one!
One of the frequent errors for beginners is planting too much too soon and way more than anybody could eat or want. Unless you want to have zucchini taking up residence in your attic, plan carefully. Start small. To know more about this check out Home And Garden guide.
The answers to these queries will help you with your garden planning and it’s important to know these things before you start digging in.
Beginning gardeners can take the chance to learn about gardening and different plants to raise. When you get pleasure from your first harvest, you will feel a sense of delight knowing that the plants you lovingly cared for produced so well. Whether you pick flower gardening or a vegetable garden, you can perfect your gardening methods year after year and get even better outcomes.
Identify which types of plants do well in your area. Planting perennials and annuals in the same garden generate flowers during most of the year. To learn about the plants that will flourish in your area, visit local nurseries and home-improvement stores that sell them. Many of them have gardeners to assist you make the right alternatives.
The best tool a beginner gardener can purchase is a pair of garden gloves. This will protect your hands with painful blisters caused from the friction of the garden tool handles against your skin. Other tools you will require are a rake, hoe, shovel, hose, clippers and sprinkler. In case you are planning to have a large garden, think about a tiller or a tractor. If you don’t want to procure one, rent one or hire someone to cultivate your garden.
Sketch your garden before trying to actually start it. An experienced gardener or your local nursery can help you, or do study online to help you get started. Knowing which plants or flowers attract butterflies and bees may be useful. Keep in mind that tall plants block the sun from smaller plants until they are tactically placed. Inquire about beneficial insects and herbs as a means of pest control in the garden. Know which area of your property is best suited for the types of plants you want.
Careful preparation of soil is essential for a healthy garden. Take out all rocks from the area with a rake, and decide which nutrients are needed. Prior to planting, remove weeds and grass and fertilize with chemical fertilizer or manure. Have pine straw, wood chips or hay bales ready for mulching. Once you have ended preparing the soil, it’s planting time.
Don’t jump in too fast; begin with a few varieties of vegetables or flowers. Pick healthy looking plants with no traces of disease. The plants will be labeled with directions regarding water & light requirements, planting depth—follow the instructions closely. Don’t plant ahead of time in the spring to lessen the chances of losing your garden to snow or frost. Consider the size requirements of your plants.
Water your garden properly. Normally, you must water the plants daily the first week, every other day for the second week, and at least once a week after that, enabling a strong toot system to be established. Be cautious not to over water.
Lastly, begin small start with plants that are easy to grow. This way you will avoid situations where the joy of your new hobby is substituted by frustration. Most prominently, relax! There will be successes and failures, but half the fun of gardening is learning as you grow!
So after years and years of saving, you have finally decided to go ahead and buy a home for yourself. It is a really good decision and let me congratulate you on that! Over the years, property has been considered as the best choice of investment mainly because it is scarce. Unless we humans decide to go ahead and colonize other planets, you can never make more land.
However, there are a few things (scratch that, there are quite a lot of things) that you must know before you throw in all your money into buying a house. If you want to be really thorough and wish to make no mistakes about buying a home, we suggest that you take a print out of this article and carry it with you until the moment where you actually own a house. You can use this as a checklist while you look around for the perfect house.
This is the most significant detail. You must have sufficient savings that will see you through the purchase of your new home. Some people do have sufficient money to buy a house in cash, however this is not advised as it may become difficult if you need money for something unexpected. It is still your choice. Also keep in mind that purchasing a house will cost more than you planned. Be ready for it.
This is usually the most difficult part. You have to give a lot of attention to the kind of home you plan to purchase. If you get this decision wrong, you may end up with Buyer’s remorse. What’s the point in spending all you money on a house that doesn’t suit you needs and make you happy? While thinking about the kind of house you want, give importance to the following details
These questions may seem silly but trust us when we say this, a lot of people regret not asking themselves these questions before they purchased homes.
For instance, if you have a rather large family, buying a small house is a posh locale might not be the wisest choice for you. Likewise buying a rather large home somewhere in the outskirts of the city can be a headache if you have school going kids and if there are no no schools in the neighborhood. Hence, there are many factors that go into making a decision about what kind of home you want and also about the location.
If you are not used to the neighborhood in which you plan to buy a home, we suggest that you rent out a property there for a few months to get a deeper understanding of how life will be once you settle down there.Study the home thoroughly: So, you’ve gone through the first two steps and finally made a decision about which home you want to acquire.
The importance of this step can never be overstated. There is no such thing as a perfect house. Each house is bound to have at least one defect. Hire a professional to find out what this is. Although this may cost you a little, it is much better that you spend money here rather than spending thousands on repairs later on.
You simply can’t overlook this step. Ask them about everything related to the house. Ask about what problems the house has encountered over the years, ask for records of past improvements implemented, in short everything that you feel you must know.
Ask for tax and other utility bills,as it would give you an idea about the monthly expenses that you are likely to incur,
Go through newspaper records to ensure that the home is not tied up in any property feuds or worse, ghost-sightings. Although the latter is less likely, the former scenario may prove to be a headache.Talk to the neighbors. Get to know them as much as you can and gather maximum information. Find out if the neighborhood has an association and other relevant details.
A lot of stuff are easily overlooked by buyers owing to the pressures and worries they have while they are out house hunting. A solicitor eases your work by doing the necessary research and paperwork that will effectively reduce your load. If you don’t have a solicitor in mind, ask help from your friends and family. They could recommend someone for you.
Speak with a few people and consider a few options before you select a mortgage plan. Loan rates can appear appealing on paper, but once you are drawn into it, things may seem a lot different. Once you have decided on the mortgage plans, proceed with getting yourself approved for it.
This is a logical step to follow to protect yourself. Get every part of the sale in writing. Proceed further only after you are sure that you have a thorough understanding of all the details. Certain terminology can confuse you, so you should either speak with an expert or learn all the jargons yourself.
If you have ticked off all the above mentioned points, It is safe for you to proceed with buying a house for yourself. Remember buying a home is not only a momentous step in your life it is also one that requires a lot of careful planning.
Once you purchase a home, you may want to consider buying a home service contract. As the first year after your purchase is a bad time for additional expenses to occur, it is highly recommended that you get an appliance warranty plan to protect your budget. A wide range of home warranty plans are available in the market today, you can read about our Quick guide for home warranty buyers for some help
We hope this article helped you and may we also wish a happy life ahead in your new home.
This is the electronic age. Hundreds of new gadgets and appliances throng the buyer’s market every day. The consumer is literally spoilt with options that tend to reduce the burden and thereby bringing handiness into our lives. The convenience however, comes with many riders. Remember, the onus is on us to conserve energy and shield our resources from superfluous depletion.
An energy-efficient home will keep your family comfortable while saving you money. Whether you take simple steps or make larger investments to make your home more efficient, you’ll see lower energy bills. Over time, those savings will naturally pay for the cost of improvements and put money back to where it belonged, your pocket.
Now, let us deliberate and gather some thoughts on saving energy at home. Remember; following these tips promptly have added repercussions too, like increasing the lifespan of your appliances.
Making your home energy efficient can be as easy as discussed above. Who doesn’t want to save money and the planet at the same time?
If you are a responsible homeowner, make sure you have appliance warranty policy to protect yourself from costly repairs.
Your home is the center of your everyday life and possibly your most valued asset. When your home is destroyed or damaged, you want your claim sorted out by an insurance company that realizes this simple fact. A right homeowners’ insurance company best meets your needs and provides you with the most valuable blend of quality service, custom-made coverage, and fair pricing in policies.
Depending on where you live – an apartment, house, or condominium – the right home insurance plan can give you peace of mind along with the money you need to replace or repair your home and/or stuff. Home insurance policies vary by the type of coverage you choose, the losses covered and the type of residence you own. You pick a policy that is best for you, whether it’s an all-inclusive policy that covers losses such as smoke, fire, falling objects, and theft of personal property, or whether it’s a policy that covers specified losses.
Your home insurance plan is made up of the precise options you select. The amount you pay for your policy depends on what coverage you buy, how much you want to cover, and where you set your limits. There are many types of homeowners policies available when once you decide to be a homeowner or not. The most significant part of homeowners insurance is the level of coverage. Avoid paying for more than you require. Below are the most common levels of coverage.
As insurance policies come in many shapes and sizes, the same is true for insurance companies and agents, who can charge different rates for the same coverage. Bigger insurers are not always better and small don’t essentially have the best customer service. So, it’s always good to shop around for the top deals and ask the precise questions in an attempt to know what you are really receiving.
Prior to signing on the dotted line, you should understand that not all homeowners policies are the same. This is always one of the most common misinterpretations about insurance. According to a survey, more than a third of the homeowners said they did not have or didn’t identify if they had adequate homeowners insurance coverage. In 2005, after Hurricane Katrina affected the city of New Orleans, and again in 2012, when Superstorm Sandy damaged numerous communities in New York and New Jersey, thousands of worried survivors got a rude shock when they found their standard homeowners’ policies did not cover flood damage.
Many catastrophic events are not covered in the basic homeowner’s policy, but they are still insurable and require additional levels of insurance. In some cases, homeowners need entirely different policies, which are usually several times costlier than the typical homeowners’ premium. Some homes are situated in high-risk areas such as flood, hurricanes and earthquake zones, which make buying additional insurance a top priority for these homeowners. Instead of the usual $250 to $1,000 deductible under basic coverage, you have to shell out 1 to 5% of your home’s insured value (up to 10% in Florida).
Hurricane season is an old threat for many residents living along the southeastern coast of the U.S. Hurricane Matthew, which made arrival on Oct 8, 2016, left an expected $6 billion worth of property loss in its devastation across states such as Florida, South Carolina, North Carolina, Georgia, and Virginia. If you live in a region that is prone to hurricanes, you must have certain emergency plans in place. Homeowners in hurricane-prone areas need to act fast to file damage claims with their insurance firms. For instance, if your home is insured for $200,000 and your plan has a 3% deductible for hurricanes, you will have to expend $6,000 out-of-pocket on a storm-related claim.
When you buy a homeowners insurance policy, one of the must have insurance policies, you must prepare the latest home inventory to speed up a claim settlement if you ever need to make one. A complete home inventory, help your insurance company verify the property easier, which in turn makes settling your claim easy. Additionally, you can validate losses for your income tax return with the latest home inventory without any hassles.
For many homeowners, insurance is something to be thought of again, i.e., until the worst occurs. Homeowners who wait until they experience a loss before assessing their own policies do not get the full value – may be little value – out of their incalculable premium payments.
Homeowners insurance is a monetary agreement, but it should also be treated as a living entity to be cherished over time. By reading your policy wisely, shopping around for the suitable agent, comprehending your coverage limits, and create an updated property inventory.
Recently, there was an interesting review posted at AHS warranty discussions page about dealing with insurance claims. The legal option suggested by the reviewer might be useful to some homeowners, who have difficulties dealing with home warranty insurance claims.
It is not practical and cost effective to take legal route to pursue your insurance claims and you may want to read How to pursue insurance claims article before you go that path. However, if you are fighting an insurance claim on a big ticket item, and you have exhausted all other options, this is definitely an effective strategy. Author of this post himself was an attorney and he effectively used the legal threat to beat the home warranty company.
Here is the excerpt:
I have discovered how aggrieved homeowners can turn the tables on home warranty companies and beat them at their own game. Please share this with everyone you know.
I’m an attorney and after having a problem with my home warranty company, American Home Shield, I decided to investigate whether other homeowners had experienced the same or a similar problem. What I found were web sites devoted to consumer complaints on which numerous homeowners had recounted incidents of fraud, deception, and rip-offs by their home warranty company. I also found a blog written by a former American Home Shield employee and another written by a former plumber for a home warranty company. Both recounted situations that would not pass the “smell test” in a court of law.
I also investigated lawsuits that had been filed against American Home Shield in Georgia, which is where I live. I found about 15 cases. The majority of cases had been filed in small claims court. As I reviewed the cases, I discovered that none of the cases had been litigated. In every instance, the case had been settled to the Plaintiff’s satisfaction although the details of each settlement were not part of the case file. With the knowledge that all cases had been settled to the homeowners’ satisfaction, I realized that American Home Shield would settle with an aggrieved homeowner before allowing a case to go to trial. My conclusion is that the only thing aggrieved homeowners need to do to beat home warranty companies at their own game is to file suit. The last thing American Home Shield wants to do is litigate a homeowner’s claim and the reasons are obvious to me.
The most obvious reason American Home Shield would not want to litigate a claim is that in most instances, the cost to American Home Shield to settle a claim would be less than the cost to litigate. The average amount of a claim in the cases I found was $3,800.00. Two were for less than $1,000.00 and only one was for more than $10,000.00. I’m sure far more than the 15 homeowners who have filed lawsuits in Georgia have had their claims denied. American Home Shield wins when a claim is denied and the homeowner does not sue, which is exactly what American Home Shield is counting on homeowners not doing.
Another reason American Home Shield does not want to litigate is because the company does not want to have to defend its craftily drafted contract or its questionable business practices, which is exactly what it would have to do if a case went to trial. American Home Shield also does not want such information to become public knowledge, which is also likely to happen. Additionally, a judge or a jury would also be hard pressed to return a verdict favorable to a company that engages in questionable business practices.
The final reason American Home Shield does not want to litigate is because a lawsuit actually places American Home Shield in a precarious situation. American Home Shield would have a difficult time defending any claim by a homeowner because the company has no first hand knowledge about the claim; it would need the testimony of the service contractor who, for its own reasons, may be less than eager to testify. The only knowledge American Home Shield has is what the company has been told by the service contractor. And any testimony from American Home Shield about what it was told by the service contractor is hearsay and not admissible in court.
To defend a claim, American Home Shield would need to subpoena the service contractor who actually made the diagnosis to testify about the claim. If the homeowner has done his/her homework, he/she would subpoena witnesses who could dispute the witnesses for American Home Shield. The homeowner should subpoena one or more service companies who had been called either for a second opinion or to make the actual repairs to dispute the testimony of the American Home Shield service contractor. The homeowner might also consider locating one or more other aggrieved homeowners to testify about their problem with American Home Shield. Another good witnesses for the homeowner to subpoena would be a former service contractor for the home warranty company or a former employee of a service contractor.
Since American Home Shield has at least three significant reasons why it does not want to litigate, the best and easiest way an aggrieved homeowner can beat American Home Shield at their own game (and most likely any other home warranty company) is to file suit. The one thing for an aggrieved homeowner to keep in mind is that if he/she does not sue, the home warranty company will win. But if he/she sues, the homeowner will most likely win. And that is how an aggrieved homeowner can beat American Home Shield at their own game.
My advice to aggrieved homeowners is not to stress over a denied claim, the denial of a situation as an emergency, repeated “band-aid repairs,” or a delay in authorization or in the repair of an item. I would also advise a homeowner not to waste time arguing with American Home Shield but to set a reasonable deadline for the appropriate action. Upon expiration of the deadline without receiving satisfaction from American Home Shield, the homeowner should then proceed as if they did not have a home warranty and then sue American Home Shield for reimbursement. The homeowner should also remember to document every action or inaction by both himself/herself and American Home Shield. Although the disadvantage to the homeowner is initially having to pay for the repairs, the advantage is that the homeowner can choose the service contractor and the brands and quality of products. I won’t guarantee all aggrieved homeowners will prevail every time but I have good reason to believe most aggrieved homeowners will prevail the majority of time.
For aggrieved homeowners whose claims were denied at sometime in the past, you may still be able to sue for reimbursement. To make that determination, the homeowner needs to research the statute of limitation for suing on a contract in their state. In any event, a homeowner should be safe filing suit for a claim that was denied during the past twelve (12) months.
Within the next six months, instead of reading homeowner’s stories about being scammed and ripped off by their home warranty company, I want to read stories about how homeowners turned the tables and beat their home warranty company at their own game.
If anyone has any questions, I can be contacted at [email protected]
Most of us know how to identify a faulty socket, a home appliance that isn’t working right or a leaky roof panel. What about noticing a structural defect before it gets out of hand? By definition, any crack, fault or deviation in the structural integrity of the building is identified as a structural defect, one that requires immediate attention. And here comes the Structural Warranty for your aid, provided if you have carefully chosen the policy after going through the fine print of the contract.
Often these defects are noticed in load-bearing elements of the home – the beams, roof frames, support walls and the like. For example, a shift or crack in the foundation stumps could play a part in putting off balance the entire house, as can a fault line in one the walls along the perimeter that hold up the roofs entire weight.
The first step to identifying a structural defect is knowing what it really is. A structural defect is any element of the building’s structure that shows signs of faulty workmanship or materials that results in or may in the future result in:
The cost of repair is astronomical, as compared to fixing appliances or cosmetic non-load bearing partitions and frames. Accessing the foundation stumps can cost an easy $10,000; double if the house is large. While structural engineers and inspectors can be easily hired for routine inspections, it is important for you to be able to spot defects as well.
When it does come to a hired professional, you have the option between a Licensed Engineer and a Home Inspector, the former being advisable as he or she has the authority to not only notice a defect but also suggest plans of action in order to rectify the issue. If you plan on investing in a Structural Warranty or State Warranty for your home, then it usually comes with an inspection.
In the US, soil expansion and other elements of nature account for an easy twenty-five percent of structural defects, but improperly built structures play a large role as well. Bulges in walls due to temperature expansion or loose brick or wood beams, faulty roofing, slanting walls and their lack of load bearing capabilities, cracks – all add up when it comes to construction methods which did not follow the necessary precision and regulations.
Before purchase, a home inspection is considered mandatory for all practical purposes. For an investment that large, it makes no sense flying blind and taking a risk, especially when it comes to the reliability of the structure itself. Unfortunately, that is not the end of it. All statistics indicate to structural defects manifesting themselves 4 to 7 years post the completion of the building, which leads interestingly to why 10-year coverage Structural Warranties have become so common.
The roots of the building that keep it grounded and steady with an equal distribution of load, a weak foundation can not only be the death of a home but can also be very difficult to fix. Just like a game of Jenga, the home stands firm on its foundation, load bearing frame of walls and roof. If the base shakes, it all comes tumbling down.
Now the tricky part is that faults in the foundation are difficult to identify early on. The first signs of these are seen in the floor – buckling or raised tiles and planks, ruptures, sagging of the flooring materials and crumbling or concrete. Improper sloping and drainage can be markers as well, often caused by roots of surrounding trees that are spreading under your home.
So check if you have a structural warranty in place and that it covers all the mentioned damages so that you can have a worry-free stay at your home!
Unless the fault is rising up from the foundation, defects in flooring usually owe their existence to faulty workmanship. If the inspection shows that the damage is only on the topmost layer – affecting the tiles, wooden planks or stone surface – then you needn’t worry about the integrity of the foundation below.
Any seepages at the floor level, loose tiles due to the grout crumbling and wood warping or raising due to moisture and gaps between tiles are all signs of structural damage. It may seem like a cosmetic issue but left unattended the damage could cause faults in the foundation as well.
No wonder, the recommendation to have a structural warranty makes sense to have, ain’t it?
Homes made of concrete can be easily subjected to expansion and contraction. Due to the increase and decrease in moisture and temperature, ruptures begin to appear on the walls and floor.
Cracks on the surface are not usually a problem, especially if they remain static and do not increase or spread. Known as Hairline Cracks, they are less than a tenth of a millimeter and rarely grow or increase in length and width.
Ruptures that are around a millimeter in width can be more visible, but even these can be treated on the surface for cosmetic reasons. They almost never expand and mean no harm to the structure of your home, though depending on where they are positioned they may cause seepage.
Constant expansion and contraction in states that experience extreme changes in weather may cause cracks that are a lot more distinct, often around doors and windows. Not only do they alter the structure of the wall to a certain extent, they also are a few millimeters wide. This shift can cause windows and doors to jam or not shut at all, which may require attention.
A crack with a width of over 5mm is cause for alarm and needs to be inspected. While they can be fixed by reworking on certain parts of the wall, there is a chance that the crack may have damaged the wiring, plumbing, and service pipes which run through the walls.
More than 15mm and you can be rest assured that immediate attention is necessary. No doubt, there has now been some impact on the pipes and wiring inside the walls, and if it needs to sustain a monsoon then seepage is inevitable. Most often, cracks of this width are difficult to miss, and they cause windows, doors, and woodwork to warp and slant. Walls may bulge in certain parts, and floors may slope and rise, making the weight-bearing beams compensate for the load that the walls should be bearing.
Having a Structural Warranty in such instances is nothing but a big relief. The home is covered and the repair costs for such huge cracks are all taken care by the home builder.
Walking around the outside of your home can tell you a lot about its structure. Keep your eyes open for sagging roof ridges, external cracks, gaps between utilities like chimneys and the adjoining walls, and bulges or recessions in the walls.
Windows and doors must be tested for proper mechanics, as well as for cracks around them due to pressure. It helps to keep a right angle tool ready to check if the corners are clear and without slopes.
Another reason to look both outside and inside for defects in correlation. If cracks and shifts on the outside matchup with defects on the inside, rest assured there is a deep rooted defected that is definitely structural.
It may be a tough decision to make, but when you are hunting for a home then it’s a good idea to check if builder-sold homes come with Builder Structural Warranty to back up their reputation.
Home Warranty focuses on the houses appliances and interiors, while Builder Warranty usually takes care of all the heavy duty structural detail, windows, doors and internal systems. Though both their purpose and choosing a plan that offers both is a good idea, it may be best to have your house inspected before choosing one – Home or Builder.
So, it is always good to have the protection and peace of mind a homeowner gets when the home has a structural warranty in place and the appliances are backed up by a legitimate home service contract or home warranty policy!
Purchasing warranty plans for household items has become a common thing these days. Over time, it has become one of the best ways to protect your budget against unexpected repairs and replacements of damaged household devices.
A Home Warranty, sometimes called an Appliance Warranty is a contract that agrees to offer discounted repairs and replacements of the covered devices. They cover damages resulting from wear and tear and hence are ideally suited for houses whose appliances are over 4 years old.
Home warranties differ from homeowner’s insurances in the fact that the latter covers damages and losses resulting from natural hazards or crimes while appliance warranty covers damages due to regular wear and tear. You can never replace a homeowner’s insurance with a home warranty. It is generally considered that home warranties are best suited for the following people who –
So naturally, they are not suited for people who
There are a lot of home warranty companies offering a range of packages to suit your requirements. So never feel that you have only one option. In fact there are so many options out there that you may want to read a Home warranty buyer’s guide before you make a decision. In general, home warranties are affordable, with the annual premium ranging anywhere between $250 to $1000. The premium usually depends on the amount of coverage you are purchasing.
The advantages of owning a home warranty are many. And also, it is the closest thing you can get to peace of mind when it comes to protecting your budget. Let’s take a look at the pros.
If you have doubts about the devices that are covered and omitted, you can go through What is covered under Home Warranty plans to get a clearer picture. If you are still not sure if you need home warranty or not, we suggest that you read an article on “Do I need home warranty?”, this will certainly give you some guidance.
Home warranty works in a very simple way. An appliance crashes and you call up the warranty company and inform them about the damage. They will ask you to give them all the necessary information like device name, manufacturer’s details, model no, batch no, and other relevant matters.
Once they collect this info, they will call up a service vendor with whom they maintain business ties. The vendor then collects your contact details to talk to you about fixing an appointment. A qualified and experienced technician then comes over to look at your device. If the repairs needed are minor, he will do them right away. However, if major repairs are needed or if parts need to be replaced, the technician waits for the approval of the home warranty company. Parts needed will be procured by the company. You will pay the service call fee to the technician when he comes to your home.
This is not a free of cost arrangement. In addition to the annual premium, you will be paying a service call fee (around $50) each time you place a claim. Like a coin with two sides, home warranties too have a few drawbacks. Let’s discuss them.
Home warranties are indeed a great way to insure your household devices. It protects your budget too. It is necessary that you make a wise decision regarding the choice of company and warranty plan so that you make the best out of the deal. The policy booklet and the contract are vital documents and they must, without fail, be studied and preserved carefully.
You can go through reviews about various companies and their plans on our website to compare and choose the best.
June,2012: The month of June brings some great news for those of you who are planning to buy foreclosed homes! Freddie Mac is now offering free appliance protection plans from Home Protect warranty. The Federal Home Loan Mortgage Corporation, or simply called Freddie Mac, is a public government sponsored company that works with mortgage lenders to help people get better access to home financing and loans at reduced rates.
Freddie Mac has declared that it will offer $500 credit on home warranty to home buyers who have bought their houses through HomeSteps division. This offer is a bonus assurance provided to homebuyers as this incentive has allowed homeowners to obtain Home Protection coverage plan without any additional investment on policy coverage.
This offer is only available for homeowners who can purchase a qualified, foreclosed single-family home, townhouse or condominium.
Home Protect home warranty is a subsidiary of Cross Country Home Services company which is a provider of a variety of residential service plans. A Home Protect Warranty protects consumers by offering them discounted repairs and replacement services.
With the coverage policy of Home Protect, home buyers will be safeguarded against unexpected appliance breakdowns and expenses related to it. Home Protect’s also offers enhanced coverage options which includes coverage of swimming pools, sump pumps and even unknown pre-existing conditions. Such enhanced coverage is a huge bonus while purchasing foreclosed homes.
Home Protect Home Warranty says that their plans are sold either for one or two year. Both plans offer the same coverage along with access to Cross Country Home Services benefits like discounted rates for new appliances. The company has a large network of over 40,000 service vendors.
In addition to this, if you have decided to purchase a house from HomeSteps property on or before May 24th 2012 and is expected to close the deal before August 31st 2012 you may become eligible to get two year Home Protect Home Warranty coverage.
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!
Adding to a long list of home warranty companies which have entered the home service contract space only to quickly exit, Stanley Warranty announced recently that the company is immediately terminating its services. Visitors to Stanley’s website see this message:
The company’s closing may come as little surprise to those who are aware of last year’s announcement of an investigation into the new company’s business practices. In June 2015 New Jersey’s Division of Consumer Affairs announced that it had filed a complaint against Stanley Warranty, LLC, alleging that the company had committed acts contrary to its contractual commitments to its customers. Among the state’s specific complaints against the company were alleged offenses that specifically involved Stanley’s home service contract customers. Stanley also operated a business unit which provided consumers with extended service agreements for motor vehicles, commonly called auto warranties.
Here’s a quick analysis that we can provide to readers seeking more information about Stanley Warranty’s abrupt closure and the precedences set by other companies that pulled this same move in recent years. Come back to HomeWarrantyReviews.com for updates as we learn more about the fallout from Stanley Warranty’s announcement.
Like Sensible Home Warranty did in 2014 when it closed shop, Stanley provided no apparent warning to their customers that pre-paid services would not be provided, though at this time it’s still unclear to HomeWarrantyReviews.com whether the company contacted customers via telephone or postal mail prior to closing its doors. It’s also not known yet whether Stanley’s failure to uphold its commitment to any pre-paid customers will compound the company’s problems with New Jersey’s consumer agency.
Another company in the home warranty space that closed its doors in 2014, Colonial Home Warranty, sought bankruptcy protection. Through bankruptcy, the company appears to have been able to escape financial responsibility for unfulfilled service contracts and repair bills from their contractors. Whether or not Stanley Warranty will seek similar protection is not clear at this time.
Reviews for Stanley Warranty, also known as Stanley Safe Club, here on HomeWarrantyReviews.com are almost entirely negative. The reviews reflect an apparent trend of the company not honoring its promises to customers or contractors who performed repairs on its behalf. Many of the worst reviews mention repair contractors pursuing payments from the homeowners after Stanley Warranty failed to fulfill its duty to make those payments in a timely manner.
On its Better Business Bureau page, Stanley Warranty already had an F rating prior to the announcement of its cessation of services to its customers. On Yelp, a recent review includes a comment about a refund check from the company to the customer, who had canceled services ahead of the expiration of the contract period, being denied due to insufficient funds. That review was created in December of 2015, leading to the obvious question whether or not Stanley was insolvent well before it closed its doors in 2016. Interestingly, reading past reviews on Yelp leads you to at least one claim in 2014 that Stanley Warranty had announced on its company website that it was closing. And no matter how far back in time a reader travels on Yelp, the story seems to be consistently poor, one unhappy customer after another.
Perhaps the most insulting element of this story is that Stanley Warranty sold its service contracts with a promise of zero service fees. Anyone familiar with the home service contract industry knows that most companies charge a fee, paid by the customer to the service provider, at the time of a service call. For a company to offer competitive rates with no service fees is a pretty compelling deal for consumers. And many of the consumers lured in by that deal are now left with every required repair being paid entirely out of their own pockets, despite having paid well in advance for home service contracts from this company.
The home warranty industry has a history of companies like Stanley Warranty popping in and out of the space and taking loads of customers’ money out the door when the companies fold or burning up the money received from customers through mismanagement and unhedged risks. Consumers who have been buying home warranties for years probably recognize some of the company names, ones like Arkidus, Sensible Home Warranty, Colonial Home Warranty, and Certified Warranties Corporation. All of these companies have something in common. They sold home service contracts right up until the day they shut the office lights off and locked the doors.
This may be the single biggest black eye that the home warranty industry has received in the last decade, and it just keeps happening. As if companies being able to enter an industry that is so much like insurance, often undetected by the state agencies that regulate their industry, improperly funded, and perhaps even criminally intent on defrauding their customers is not enough, the end result of the companies is consumers left with financial losses sometimes amounting to thousands of dollars in service contract fees paid in advance. All too often the regulators in the states where the customers live are powerless to retrieve those customers’ funds, and even when bankruptcy courts are involved the individual consumer is usually out of luck when liquidated assets are divided up among registered claimants.
In a nutshell, the chance of Stanley Warranty’s customers seeing refunds is very, very slim. It’s quite likely that this story will end the same way it did for customers of Sensible Home Warranty in 2014 when that company disappeared overnight. But that should not stop consumers willing to do whatever they can to seek justice. Readers who wish to pursue legal action should immediately seek advice from an attorney, preferably one with experience with defunct service contract companies.
If there’s any worthwhile piece of advice we can give to our readers who are shopping for a home warranty company it’s this:
Do your homework! Despite it not always being easy to do, consumers must research companies in the home service contract space before making a purchase. Here’s an example of the kind of detailed reporting available to consumers trying to evaluate the financial health of companies selling home service contracts in the United States. That article by Warranty Week is an excellent resource. Keep in mind that if the home warranty company you choose is using its sales to finance its claims then you can probably count on two things happening. One, the company will do whatever it can to avoid paying your claims. Two, the company will eventually get into hot water and close up quickly in order to try to avoid the owners bearing personal responsibility for the actions of the company.
Be safe out there. And if you are a Stanley Warranty customer who would like to share information with other readers in the same boat as you then please share your story in the comments section below.
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.
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.
Items covered by a home warranty may vary by company and plan, but typically includes the following items:
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.
The insurance policy varies depending on your state of residence and type of policy, but generally it will cover the following.
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.
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.
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.
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.
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.
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!
In the past year, over 32 real estate agents have helped consumers with more than 13 residential home sales in Houston, Texas. The oil slump can’t hold back Houston’s top realtors as the Houston’s housing market is performing extremely well. Sales have ranged in price from $99,000 to $697,500. Now, homes are available for a variety of price ranges – from about $300,000 near downtown to around $2 million in the best neighborhoods along the city’s Energy Corridor.
Below is the list of Houston’s leading realtors based on their gross sales volume in dollar amounts, the number of transactions and the average price of homes sold-
A Houston-area native, Paige is a proficient and successful partner in any residential real estate transaction. Armed with an in-depth knowledge of Houston real estate market, her skills have marked her as one of the most preferred agents in Houston. With a customer-focused approach, Paige is dedicated to providing brilliant service. After graduation from Baylor University, Paige started her career as a marketing consultant, developing individually-tailored marketing techniques for her customers. She now employs those cutting-edge skills to aid her customers to buy and sell their homes with the least amount of stress. She monitors clients through every aspect of learning about Houston, relocating to Houston and ensuring hassle-free real estate transaction.
Paige Martin, a Broker Associate with Keller Williams Realty and owner of HoustonProperties.com is ranked as one of the top residential real estate agents across the world. Her website HoustonProperties.com features more than 1,200 pages of Houston real estate information on over 40,000 properties for sale in addition to a large number of resources for home sellers. Paige has successfully sold over $250million of homes and is listed among the Top 25 Residential Realtors in Houston for the second consecutive year in terms of individual gross sales and transactions. She has also been featured on TV and in several publications including:
Paige has been a consistent top producing agent and has won over 198 awards since 2003 for excellence in customer satisfaction. Her recent awards include:
Whether you are buying or selling a home, James Krueger can help you win at real estate! He is the owner of Kruger Real Estate which was founded on a corporate philosophy of devoted commitment to quality service. Upon graduating from Texas A&M University as an All-American archer and economics major, Kruger worked as a business analyst for Reliant and then a consultant for an executive compensation firm. He believes that excellent real estate service begins with personalization – with one agent who listens, learns your goals and helps you accomplish them. Krueger Real Estate agents are backed by a team that keeps you informed through every step of the home buying or selling process while giving you unmatched customer service. As a former litigation, Kruger understands legal contracts and also knows how to value a property to get you the best possible deal.
Krueger Real Estate mainly serves the Greater Houston Area and surrounding areas including Katy, Cypress, Sugar Land, The Woodlands, Spring, and Tomball. Krueger is pioneering an exclusive model to improve agent retention and client satisfaction. Unlike many traditional brokerage firms, Krueger Real Estate pays attention to duties that a realtor at other brokerages is responsible for. It provides a distinct advantage in maximizing the exposure of their listing through online, print, and social media outlets. The local experts assure you of professional photographs, proficient staging and presentation guidance, an online marketing blitz campaign and thorough listing descriptions that will make your home noticeable from the rest. “If I can create an amazing place to work, I can attract super high-quality agents who attract high-quality clients,” said Krueger, broker and owner of Krueger Real Estate.
Krueger Real Estate employs a client relation management system to keep an eye on its clients and has a call center that tries to answer all new client queries within 3 minutes. Krueger’s client focused approach seems to be working and has helped him grow his company. In 2013, Krueger started with 8 agents who made $27 million in home sales and the following year he grew his company to 15 agents who brokered $46 million in home transactions. In 2015, with 45 agents, Krueger’s firm collectively made $65 million in closed and pending sales. Krueger aims to crack $100 million in sales in 2016 and has a dream to grow his company to 250 agents, expand to the four major Texas markets and break the $1 billion home sales mark by 2020.
“I always wanted a fun, cool place to work, so when I started my company, I wanted to make it an enjoyable place to work,” Krueger said. “A company isn’t anything without the people you have on board.”
Krueger has been named the Top Producer by the Houston Association of Realtors for 2012 and 2013. He is a certified negotiation expert (CNE) and has the following Professional Real Estate Memberships:
Founder of The Loken Group, Lance Loken strives to be the excellent real estate service provider in all 9 countries in the Greater Houston Area. The group is backed by a team of specialists out of the Keller Williams Realty Signature office who serves real estate buyers, sellers, and investors to make your home buying and selling experience pleasant. By employing the newest technologies, business tactics, and market research, the agents are able to list your home strategically and effectively. Most importantly, the agents listen and find solutions that are tailored to you.
Prior to entering real estate, Loken worked as a C-Level executive for firms like The Wood Group Renewable Energy Service, Francesca’s Collections Inc., and C.D. Johnson Companies which helped him shape the way he approaches real estate. “My goal is to always be your real estate SOLUTION – whether that means helping you buy, sell, invest or rent,” Loken said. Loken is an Accredited Luxury Home Specialist (ALHS) and a Certified Luxury Home Marketing Specialist (CLHMS).
From paperwork to marketing, The Loken Group stand by you in every step of the way, replying to your questions and offering exceptional customer service. They were recently named:
The team of specialists at The Loken Group manages clients in all price ranges. Their luxury division is backed by proficient luxury experts who help clients in more than $650,000 price range.
Alfonso Parodi obtained a Business Administration degree with a Minor in Marketing from University of Lima, Peru. Thereafter, he moved to Houston and lived there for 9 years where he had the opportunity to attain extensive experience and training in Sales including residential lending, real estate, retail, networking, recruiting, marketing and primarily customer service. Parodi is competitive and goal-oriented with a passion for delivering outstanding customer service. In just 3 years, Parodi has become a top agent at Realty Associates in Houston which is home to more than 1800 agents.
Alfonso founded Team Parodi in 2013 whose focus is to bring the best group of agents together with a support team of award winning interior designers, experienced inspectors, proficient photographers and all other experts to help customers buy and sell their homes in areas such as Cypress, Houston, Humble, Katy, Tomball and more. Team Parodi at Real Associates is proud of each purchase or sale that aids clients to attain their dream home!
The technology savvy agents employ the cutting-edge tools and programs to give their clients an advantage in the fast moving and super competitive market for a successful transaction. Currently, Team Parodi is backed by 6 key members and will be adding more agents to be better prepared for a very busy future market. Whether buying or selling a home, Team Prodi is ready to be your trusted resource.
Owing to his excellent communication skills and expertise, Parodi is selected and recommended time and again by his clients. He has been awarded in the top 1% Buyer Agents among 25,000 agents and also:
With professional accomplishments in both experience and education, Parodi maintains the Certified Residential Specialist (CRS) Designee. Presently, less than 3% of 1 million agents carry this designation. Besides, he has the following Professional Real Estate Memberships:
Angela Pipes is a Licensed Real Estate Agent at Redfin Corporation with 17+ years in the Houston Real Estate market representing both sellers and buyers. She is passionate about the relationship with her clients which helps her adapt to their needs and receive referrals. Whether you are a first-time buyer or an accomplished seller, Pipes would guide you through the entire process. A member of the Houston Association of REALTORS, Pipes has established a reputation for being proficient in handling land sales, new construction, investment properties and resales including historic homes in the Heights, Montrose and other neighborhoods such as Katy, Memorial, Spring Branch, Clear Lake, and Galveston.
Pipes mainly works in the urban communities of Houston and keeps abreast of real estate developments and attending community events. She is an advocate for those interested in building better practices, smart growth and energy efficiency. Pipes works closely with her clients to make sure every sale closes without a hitch. She is always accessible, prompt, and thorough with her clients’ requests and her quick response time with emails is appreciated as well.
Angela Pipes has been qualified as a Top Production REALTOR based on 2016 second quarter listing side number of MLS sales transactions of the Houston Association of REALTORS. This certification is given to those who aim to maintain the highest ethical standards and whose production ranks among the highest number transactions within HAR’s 25,000 brokers and agents. As a Certified Negotiation Expert (CNE) and Accredited Luxury Homes Specialist (ALHS), Pipes has proven to be a valuable asset to Redfin and to her clients.
An offshoot of Home Warranty, Structural Warranty is a legal agreement between the builder of the home and you – the owner. Structural Warranty functions basically in the case of new homes, wherein the builder assures that the home he has built will have no structural defects for a period of ten years after its construction. His claim is covered by the company which offers him warranty coverage for the building, at times additionally including workmanship and internal systems.
The system functions just like Insurance, but covers defects which may occur due to age and wear and tear, not natural disasters or unforeseen circumstances. Like the Home Warranty covers the items in a home – its appliances, wiring and plumbing systems, interiors etc. – Structural Warranty covers elements like the foundation, girders and beams, roofing, and flooring.
Before the purchase of a home, it is advised for either the new owner, seller or realtor to purchase Home Warranty, in order to establish a relationship of trust and confidence in both parties involved. Just as a Home Warranty leaves the new owner knowing that his home and all that is in it is secure for at least a year after its purchase, Structural Warranty establishes the same sense of security in the buyer of a new home straight from a builder.
It is rather simple – all structural defects are now to be fixed by the company that the Warranty has been purchased from or by the builder offering the warranty himself, and as long as the terms and conditions are met, neither the builder nor the new owner is liable.
We see before our eyes appliances, electrical systems and plumbing leaks occur every once in awhile – but most of the time structural damage is noticeable only after it is too late. Given that large parts of the US are known to have soil that expands with seasonal changes, statistics show that more than 25% of all buildings in the country experience some kind of structural damage during the first decade of their life, almost 10% of this being major and often irreversible.
It isn’t always about how reputable the builder is, in fact, the more reliable the builder the higher the chances are of them investing in warranty for the homes they have built. Years after a deal is signed, sealed and delivered, a matter like soil expansion that is out of the hands of both the parties can spring up, making Structural Warranty the only way to guard against massive expenditure out of your own pocket in the future. Studies show that the warranty is most often claimed 4 to 7 years after a home is built to completion.
The chances of an individual investing a sum as large as the cost of a home in anything else in his or her lifetime is very slim, making this purchase one that could develop complications if not done right. Builder’s offering Structural Warranty for the home they have built can not only assure the buyer of their expertise but also give them a legal document to go back to in case frivolous lawsuits or complaints are lodged. Like in the case of any two-way agreement, responsibilities, terms, and conditions are clearly outlined.
If a third party company is used to establish a warranty, then any complaints, disputes or discussions will be handled by them – until the point of reconciliation. This saves time and discomfort for both parties involved, especially the builder.
If you happen to be a builder with larger holdings or varied properties and houses, then the value of each building is sure to increase if Structural Warranty is added to the mix. Use it as a marketing strategy, one that is true to every word and will help you build lasting relationships with your clients.
Structural Warranty functions according to the guidelines of the Housing and Urban Development department of the US, which stipulates particular criteria within which a company must cover damages. Larger builders may choose to provide their own Structural Warranty schemes to the buyer, while builders without a department to handle such claims or smaller building agencies may choose to use third-party warranty companies. Even more so than Home Warranty claims and structures, Structural Warranty coverage and insurance backing vary drastically from builder to builder and company to company. If you happen to be a part of the decision making of who to choose, make sure you do your research and pick a coverage that is extensive and appropriate to your home.
If you go through a Structural Warranty contract or guide, you will notice one important point – the extremely specific and near legal language used to describe what that particular company or builder covers. Structural Warranty owes this specificity to regulations set by the Housing and Urban Development Department of the US, as well as to the builders’ need to protect themselves from futile claims and lawsuits.
Due to each Structural Warranty being unique (much like Home Warranties state-wise laws), we will get into what the warranty covers in general. Know that this isn’t ironclad, and you have to cross check the terms and conditions with your builder.
As a whole, third-party companies offer two kinds of warranty, one which accounts for any damage to the structure of the building from the moment the deal is closed between the builder and buyer. The second stipulates that the company will only begin to cover damage to the home 3 to 4 years post the sale, implying that any structural damage before then is up to the builder to fix.
Each company usually has a base plan and other additional perks that you can choose to opt for.
The basic coverage usually covers the following:
The last of these, load bearing partitions, are often accompanied by the additional coverage of non-load bearing partitions. These claims are almost purely cosmetic, and certain Structural Warranty companies do assure the fixing of these, keeping in mind the original material integrity of the home.
Integral to any warranty and insurance difference, Structural Warranty doesn’t cover any damage due to natural disaster, accidents or unforeseen circumstances; anything that is covered under insurance, basically.
Lastly, any structures added to the original home – an extension, outhouse and detached garage space for examples – would not be covered. If the need is felt, the builder could then purchase a separate Structural Home Improvement Warranty.
Individual state laws in the US tackle Structural Warranty in different ways, making the cost different in each state as well. On an average, if the basic warranty is purchased, then it shouldn’t cost more than 1% of the purchase cost of the home. In most states which are positioned in low-risk areas (minimal soil expansion, etc.), the price is only about half a percent of the home’s price, whereas in high-risk zones the price can go up to 1.5% to 2%.
When looked at it in terms of a median example, while Structural Warranty would cost anywhere between $500 and $1500 for ten years, the repair in case of structural damage could be between $50,000 and $100,000; Structural Warranty being about one percent of the estimated repair budget.
Here’s an article to give you a clue about the best home warranty companies in Utah. The state that is defined by vast expanses of deserts and the Wasatch mountain ranges. Utah needs no further introduction. Its capital city, Salt City Lake, attracts many swimmers to its buoyant waters.
If you are a resident of this beautiful state or if you are planning to move to this state, then glancing at a list of the finest home warranty companies operating there is a must! This is what we intend to provide you through this article.
As you may know, we rate companies on the basis of user feedback received from actual customers. So in the order of ratings, here is a list of top warranty providers in Utah –
Let’s take a look at each company in more detail, shall we?
Also called as AHS, American Home Shield is one of the most popular home warranty providers in America. They are also the founders of the home warranty industry which means that there are few companies out there that have more experience than AHS. Over the years, they’ve developed plans and products which cater to the needs of buyers, sellers, homeowners and real estate agents alike.
The company offers a wide range of plans suited for most homeowners. All plans are reasonably priced and the annual premiums often range between $249 – $500+ and the deductible per service visit ranges between $65 – $125. The fact that the company is not just backed by experience but also by immensely positive user feedback, makes it one of the top competitors in Utah and the rest of America.
Considered as an innovator and people friendly company, The Home Service Club (HSC) is yet another popular choice among Utah residents for their home warranty needs. They serve 48 states across the country and have been in business for a very long time. HSC claims that the constant surveys and feedback they collect from customers helps them improve their products and services for the better.
Standard plans offered by HSC are designed to cover major household appliances and systems and are priced competitively. Customers are also free to customize their plans and add items from a list of pre-selected add-ons, enabling them to extend coverage as per their wish. Plans are priced around $400 on average and the deductibles are charged between $65 – $125.
With plans designed to prevent any homeowner from losing hair over unexpected repair and replacement costs, Select Home Warranty (SHW), has been a strong player in the home warranty scene of Utah for quite a bit of time. SHW also has a nationwide footprint so their services are not limited for Utah alone. All warranty products offered by SHW are highly praised by their customers and this has led to them being a popular choice among Utah residents.
SHW offers three main plans to their customers each based on different levels of coverage. Annual premiums range between $299 – $499 and all plans have a deductible of $45. Like most other companies on the list, SHW too has a round the clock customer service facility and also an online claims submission feature. All of this along with many, many positive reviews makes SHW a strong choice for home warranty products in Utah.
Landmark Home Warranty (LHW) is a company which has services in the states of Utah, Arizona, Idaho, Oregon and Texas. Customers have often praised their services to be extremely user friendly. The primary goal of LHW is to provide exceptionally good services to all its customers.
LHW has 4 main plans to offer to their customers, each priced differently and having different levels of coverage. All plans come at a service call fee of $65 charged for each service visit. LHW also offers support to real estate agents to help with their clients. Apart from home warranty services, LHW offers re-keying and heater tune-up services too. The strong feedback from customers and their compelling plans makes Landmark a very sound choice for your home warranty needs.
HSA is a company with over 30 years experience in the home warranty industry. Headquartered in Wisconsin, HSA has quite an extensive coverage across USA. The company has claimed that their primary focus is on nothing other than providing great services to their customers. This is a company that has a wide range of products to offer. From agent programs, E&O insurance policies to live tools like seminars, HSA has more than home warranty plans to sell.
HSA’s primary product, home warranty plan comes in two variants, where the primary difference lies in the extend of coverage offered. Annual premiums range between $589 – $619 and the deductibles are charged between $75 – $100. HSA also has an online claims facility in addition to the 24/7 customer service wing which takes complaints no matter what time it is.
What we have provided you is a list of companies based on user reviews on our site. We urge our readers to go through some of the reviews and even take a list of Award Winning Home Warranty Companies. It is advisable that you do some extensive research on our website before making a choice.
Should you have any concerns, feel free to holler at us. Cheers!