December 1, 2014 : In what appears to be a significant development that may change the dynamics of the home warranty industry, Fidelity National Financial (FNF), a fortune 500 company announced on Monday, Dec 1st its plans to acquire Buyers Protection Group (BPG) holdings, a leading provider of home warranty and home inspection services in the nation.
“The combination of BPG and Fidelity National Home Warranty (FNHW) will make us the largest home warranty company in California, provide a meaningful increase to our market share in Texas and give us added scale in several other states,” said Billy Jensen, FNHW President and CEO. “Our combined home warranty business provides a great opportunity to continue with our nationwide expansion efforts and the home inspection services platform provides a substantial opportunity for further future growth at FNHW ”.
The home service contract industry is restructuring itself in recent times. Two of the biggest companies opened up their wallets to buy out companies this year, while 3 other smaller companies filed for bankruptcy. For an industry of size $2b, these are significant changes.
American Home Shield, the oldest and the leading home warranty service provider in the country completed acquisition of HSA home warranty in the first quarter of 2014. The proposed acquisition of BPG by Fidelity National marks the end of an unusually active year that changed the market share allocation.
The year 2014 also witnessed three companies going out of business. Colonial home warranty, a New Jersey based company filed for bankruptcy in March this year. Sensible Home Warranty closed its doors in May and Certified warranties corporation halted its operations due to financial difficulties in October.
The journey of Fidelity national home warranty began in 1995 as Alliance home warranty company, later acquired by Fidelity National Financial in 1998. Since then the the group has seen several acquisitions and has grown to be a leading player in the home warranty segment.
Fidelity National Home Warranty currently operates in California, Arizona, Nevada, Texas, Colorado, Washington and Oregon and has plans to expand to several other states.
Headquartered in Alpharetta, Georgia, BPG offers home warranty and home inspection services. The company has been providing home warranties since 1987 and currently operates in 14 states. BPG runs its two verticals, home warranty and home inspection services as separate businesses. BPG also owns HISCO, a home warranty company that serves the state of California.
Both Fidelity National Home Warranty and BPG Home Warranty are charter members of National Home Service Contract Association (NHSCA).
The most basic and inevitable need of our daily life. Guessing what we are talking about? Look up yes it is the humble ceiling fan, which saves you from the wrath of summer heat. So how to clean your fan?
There are different types of fans based on its design. There are table fans, pedestal fans, window fans, tower fans, ceiling fans, exhaust fans and the list is exhausting too. All of them work on the same principle and the methods of cleaning is applicable to all kinds.
Cleaning and maintenance of your fan is something you must do. Dirty fans not only look horrible, the dust settled on it can cause allergies too. Regular maintenance of your fan will enhance its life and also reduce your electricity bill as they will always be in a perfect working condition, bearing a shiny look without those disturbing noises.
1. Take a hand vacuum cleaner and vacuum each wing. Before doing this wear glasses to prevent the dust from falling into your eyes.
2. If you do not have a vacuum cleaner then pull in a ladder and take a damp cloth and wipe, go gently on each wing of the fan and wipe dust on both the sides. Apply equal pressure on all the wings.
The best way to do this task is to use a pillow case, dust gets collected inside the case preventing it from dirtying the floor and getting into the furniture. Once you are done you can just reverse it and dust it into a bin.
3. If you have lights on your ceiling fan then take paper towels and spray it with all-purpose cleaner and wipe them. Never spray directly onto hot light bulbs, as it can spark fire.
4. If your fan is way too dusty then go a step ahead and clean the fan thoroughly. Turn off the main electric supply and get hold of a screwdriver.
(i) Unscrew the fan from ceiling and bring it down slowly you might need someone’s help to do it.
(ii) Unscrew the wings and you can wash them in water with a mild cleanser or wipe them with damp cloth. Do not scrub the wings as it may result in warping.
(iii) Make sure to dry the wings properly.
(iv) Dust around the motor with a vacuum spray. Do not use water it can damage the motor.
(v) Fix the blades carefully and screw them tightly. Fix the fan back on to the ceiling.
(vi) Now turn on the fan on a trial basis to be proud of the great job you have done.
* Sometimes the wobble may be because of something very simple. Check the bolts that hold the blades onto the fan motor. The blades can become loose with continued usage, causing undue noise. You can easily fix the problem in no time with a screwdriver.
* The accumulation of dust is one of the common reason for the motor to run hot. One way to limit the dust is to periodically blow out any visible parts of the motor with a can of compressed air.
* Ceiling fans cannot run on light dimmer switches, it can cause damage to the motor, create noise and also limit the life of the fan. Pay attention to the type of switches your fan has.
With proper care and maintenance, your ceiling fans will give you years of carefree comfort. The interesting bit is that ceiling fans are covered under home warranty plans. In case of extended warranty you can get the repair done without shelling out bucks, but unfortunately none of the home warranty plans cover the process of cleaning your fans therefore it is a do-it-yourself job.
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.
Extended home warranty provides warranty coverage for major home appliances after the manufacturer’s warranty period is completed.
Buying the home warranty, avoids unnecessary stress and to assists you in peace of mind. It is truly a best insurance for your investment. The costs are very low compared to repair bills of any of your appliances.
Homeowners are generally provided with home warranty coverage along with the purchase of new house by the seller. But when your original home warranty expires, you have the choice of extending your existing warranty. Before deciding on extension of home warranty it is essential to know whether it is really beneficial to consider the warranty to continue hence let us find the facts on this issue.
The basic home warranties are available at about just $400 per year. Let us assume that the warranty period has expired on any major appliance where the device may have lost manufacturer’s warranty. Just an initial visit may be charged minimum of about $50 to $100. Repair companies will also bill on an hour basis, for the first hour they may charge you about $50 to $70 and sometimes the subsequent hours will be charged less but varies from case to case. Addition to it you are expected to pay for the repair job.
Planning for home repairs is not predictable. Charges on repair job will differ depending upon the system, duration of time since how long you are using the device. In the usual cases home warranty policies covers up the equipments insured for the period of one year once the warranty is about to expire you can just extend the home warranty just by additional payment and renewal of documentation on what all appliances the policy should cover.
Extended home warranty can surely help homeowners in leading stress free life and saves tons of money. It is realistic if you have been repeatedly spending on maintenance and repairs. Usually the breakdown period of appliances starts just before or after your warranty expires because of its usability, if you want to avoid such hassles of contacting repair services. Extended warranty service just makes things easier you are already guaranteed of competent and licensed repair company.
If you calculate, you will surely save thousands of dollars on all the possible repairs, this is quite a big amount of money that you have to set aside if you choose not to opt on warranty. At the end of each passing year you would get a clear idea on how much you need to pay on the renewal of your policy to extend the assurance. There is no need to search for fresh home warranty companies to renew the scheme you can just pay the extra amount and set your life in calm. Any unexpected issue will also be taken care of such companies hence it is truly worth to invest money in affording extended home warranty plan.
Based on your choice, these policies can be extended online or in person. You may be able to find better deals on home warranties online. On the other hand, a benefit of this is that you can take your time to make up your mind without salespeople constantly pestering you. You do not even have to browse the pages of your directory and call them one by one to ask for availability, if you have this service. All it takes is one call to make your life simpler and relaxed.
Are you longing for a home decorated with our green friends? You want a home that is eco-friendly and looks pretty at the same time? You have come to the right place!
Over the years plants have become much more than just a source of food. While being a very nutritious edible species, members of Kingdom Animalia are also very visually appealing. Even the prickly cacti are never an eye sore.
For all you homeowners out there who wish to add a hint of green to your home, this article shall give you all that you have to know about before you decorate your house with plants.
There are indeed a lot of benefits associated with gardening and using plants as decor. Let’s discuss about them.
Norfolk island pine, peperomia, aloe vera, English ivy, peace lily, snake plant, spider plant, bamboo palm, golden pothos etc are the most common varieties of indoor plants. Among them, aloe vera is known for its moisturizing properties and so it can double as an ingredient for homemade face packs. The English ivy is said to be a plant that purifies air effectively, while the most common indoor plant is the spider plant, which is also known for its air purifying properties.
Did you know, the golden pothos has the ability to remove formaldehyde from the air, if you thought plants simply stood lazily in a corner?
You can visit a local nursery or look up on the internet to identify the plants that best suit your lifestyle and home decor.
Window sills, kitchen counters, living rooms and balconies make ideal locations for plants. You can even use an assemblage of different plants to create a great ambiance.
Most indoor orchids require humid atmosphere to thrive well. They’ll make excellent additions to your kitchen or a sunny bathroom.
Bedrooms are not really recommended because, as you know, plants release carbon dioxide at night. This leads to reduced amount of oxygen in the air and that is most certainly not good for health.
Pots and containers for these plants are also decorative pieces themselves. So make sure that the pots you use are not only functional but also visually appealing. If you don’t want to spend loads of cash on fancy clay pots, you can simply buy some normal brown ones and paint them in a variety of colors.
If you have enough space, use big terracotta pots and paint them in a bronze or copper color. It adds a certain old world charm to the whole area. Although metal planters are ideal for this look, they are a wee bit expensive.
As much as possible, place your plants in sunny areas and avoid keeping them in places that are not frequently visited. plants like cacti can be kept in tea-cup sized pots and placed in smaller spaces.
This part is vital. Even though indoor plants require less maintenance as compared to their outdoor counterparts, they will still wither and die if you don’t care for them. Here’s how you should care for your indoor plants.
Plants are indeed a joy to have around living spaces. Having them in your home shall freshen the air and also lift the moods of people occupying that space. If you are someone concerned about environment, you should know about how green landscaping benefits the environment. Hope you found this article informative. Cheers!
Moving into a new home is always something people look forward to. While new beginnings promise hope and happiness, there are some things you need to consider before you pack up and make the move.
Whether you are buying a home or renting , the rules remain pretty much the same. One must carefully inspect the property and neighborhood to determine whether it suits your needs and lifestyle.
Hire a professional home inspector to take a look at your new place irrespective of whether the home is old or new. As discussed elsewhere on our site, home inspection reveals existing and potential faults with the property and the appliances. This is all the more necessary if you are planning to buy the house.
If there are multiple faults with the house, it means that you will be spending a lot of money on repairs in the future. While all home warranty companies do not mandate a home inspection, it may be a good idea if you are planning to purchase a home warranty to protect your budget. However, if the owner is selling a house with an existing warranty plan, an inspection may not be necessary.
However, if you are planning to rent the house, you don’t need a professional home inspection. You can do a basic assessment yourself to ensure that the home is functional.
This step consists of several little things. Most sellers and owners exhibit their property claiming that it is ready to move in. However, there are some vital points that you need to check/implement.
If you are buying the house and if you plan to do it on mortgage, homeowner’s insurance is always mandatory. Apart from this, you may need to buy a home warranty to cover your budget in case any of your appliances break down.
Select the plans well in advance so that you won’t have to spend time on it later when you are tired after all the moving and unpacking.
Speak to your neighbors and get to know your neighborhood. New neighbors are the best sources of information about facilities available in the vicinity. Also ask about the general atmosphere in the area.
Once you meet your new neighbors, it will not be a bad idea to drive around the place. When you do so, make a note of the department stores, hospitals, eat-outs and other essential joints in the vicinity.
And You’re Done!
You’re almost there. Once you change your address and telephone numbers, you are ready to move! Last but not the least, make sure you hire a reliable and reputable packers and movers. Lousy ones cause damage to your items. Best avoid them. Good luck!
Hope you enjoy your new home!
As a father of small children I’ve spent lots of time fighting in the house cleaning trenches. Many a Saturday and Sunday have been spent reversing the enemy’s advances, the barricades of dirty laundry, the diversions of dirty dishes and the assault on my allergies from dust.
I’ve learned a few things, many of which I think make housework easier and faster to tackle. You may have just as many techniques, or maybe you’re a new recruit in the battle against the mess. If the latter best describes you then suit up and grab your broom. We’re going in!
Nothing helps with a big day of work around the house like a good list. If you don’t know what you’re supposed to be doing you’ll probably forget things and maybe even waste time on tasks that should be left for another day. It’s easy to get lost or distracted in a messy house.
If you hate doing housework then the hardest thing to do is to start. It’s best to pick the easy tasks and knock them out first. Loading the dishwasher might be the task you hate the least. Or you might think starting a load of clothes in the washing machine is easiest. Whatever you like to do (or least hate doing) should be put first.
When you enter a room it’s best to go in prepared to finish it in one trip. You burn valuable energy when you run around the house. Work your way through the house, room by room, taking only what you need to clean each one. Trash bags, dust cloths, disinfectants and cleansers can usually be carried in a small utility bucket. Leave filled trash bags in a hallway or other common area adjoining the rooms you’re cleaning, and save the trash disposal for the end if possible. If you’re worried about trash bags leaking then it’s better to double bag than to make lots of trips back and forth, especially if you have a two or more story house.
If you prefer to or need to use harsh chemicals be sure to avoid inhaling the fumes. Weather permitting, you should open windows and close doors to contain and remove the vapor of chemical cleaners such as bleach, ammonia and others. If you are cleaning surfaces you will be standing on, such as shower floors or bathroom floors, with bleach then it pays to have some old shoes that you can change out of when you leave the room you’ve just cleaned. Tracking bleach around the house can be a disaster.
If vacuuming is part of your list then ensure the vacuum is not already full of debris from the last time you used it. An empty vacuum bag or canister and a suction opening that is free from obstructions will ensure that you only need to vacuum one time and that the floor will be very clean. When dusting, be sure to use the right cloth for the job. Dusting with paper towels or other cloths that are not suited for dusting will make a bigger mess than you started with. And if you must use a spray cleaner for dusting try spraying it on the cloth rather than on the surface you are dusting. Some surfaces get clean faster and look better in the end if you stick to using a dry dust cloth.
These are general tips, it’s true. But if you combine them with your own specific preferences and tricks you should find that the housework goes by faster and more smoothly. Organization is key. And avoiding making yourself tired or sick is important too. What you want is to find ways to keep the house looking the way you like it without making the labor involved so back breaking that you will avoid doing it at almost any cost.
House keeping is not always an easy task but you can get better at it if you keep yourself well read and informed. More information about how to maintain your home in perfect condition is available on HomeWarrantyReviews.com. You could take a look at it and start applying it to your home! And while you are at it, take a look at 10 most innovative home maintenance smartphone apps.
About the Author
Kevin Wallach is a freelance writer and marketing professional. His focus is on performance based marketing services for the home warranty and home service contract industry.
Building insurance is a type of insurance most people don’t know enough about. This is the cover that provides for dealing with storm damage, accidents, malicious damage and a range of other things most people understandably prefer not to think about at all if they can help it. Building insurance is a type of “catchall” insurance, which covers damage to buildings which can run into very heavy costs for owners. So how do i insure a building? Read this article to get clear insight about building insurance.
Buildings and risk management
This is a very versatile type of insurance, and it needs to be. Building damage can include some extremely difficult, capital-intensive issues that owners have to deal with quite regularly. It’s a form of investment protection, very common in commercial properties, to deal with the risks of businesses. If you own several million dollars worth of building, you need to know you’re properly covered.
The fact is that any type of building ownership includes a lot of basic risk management by definition. If you own rental properties, you’ll be well aware of the possibilities of damage from various sources, and the fact that premises really need to be maintained. Damage has to be fixed, and if that damage isn’t adequately covered, it’s money out of pocket upfront, a loss in any terms unless you have a very good homeowners insurance policy.
That’s not good business practice, and it’s exactly what building insurance is designed to deal with. For homeowners, the issues may be different, but the principle is the same. If you’re paying off a mortgage, and the budget is looking a bit fragile, the last thing you need is building damage running into thousands or tens of thousands of dollars. That whole scenario has to be covered, and covered properly.
Building insurance basics
The best approach to building insurance is to take a long hard look at your needs and then start shopping around for insurance that covers your needs. You’ll probably be surprised to hear that online buildings insurance is quite easy to get, complete with upfront quotes and adjustable cover, which can be tailored to your needs. This is the new paperless insurance, bureaucracy-free to the extent that it’s possible to be, and it’s getting a lot of market share because it’s highly efficient for both private and business purposes.
The shopping around needs to include:
Buildings insurance is easy to get and easy to manage. Stay in front of the issues, and your cover will do the rest.
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]
Home warranty companies take lot of heat from consumers especially on reviews sites like ours. Consumers think home warranty plans provide blanket coverage just like auto insurance. But these are different kinds of insurance products. Chances of your appliances needing repair are much more than your car getting involved in a road accident, although premium you pay is about the same. So, obviously insurance companies have to make some profit to stay alive and that is why there are small print clauses that exclude certain conditions. Not many people will read the contract and will be surprised when their claims are rejected. As pointed out by Mr. Lehmann below, positive experiences are less likely to be talked about and many reviews here on this site are overly negative.
The president and CEO of HSA Home Warranty has responded to the criticism and negative reviews on this site. We appreciate home warranty companies coming out and explaining the facts. We also think they need to ensure home owners understand the product terms before signing the contract. Homeowners warranty is one of those products that needs little bit of consumer education.
Here is the complete response –
I feel that I have to respond to the comments that I read on this blog. I have been the president of this company for 25 years. It disturbs me to read these comments when I know that we work so diligently to deliver the best service that we possibly can. Unfortunately, the individuals who post their opinions are overwhelmingly those that feel that they were treated unfairly. I think that some statistics might be helpful to those individuals who read this site. We have 100 opinions posted on this site. Of those, approximately 25 are people who had a good experience and wish to share it. All others express negative comments. This is out of almost 85,000 people who filed claims with us last year. So you are hearing from far less than 1% of our claimants on this site. What you don’t hear is from the 85% plus who had claims and were very satisfied.
Furthermore, over 40% of our business comes from renewal customers who thought highly enough of our product and service to renew their warranty coverage. In other words a huge majority of our customers are very satisfied with their coverage and keep their warranty coverage with us for a long period of time.
While I applaud the high satisfaction rates of some of our competitors, you might notice that they do not have very many opinions registered. That is possibly because they only conduct business in a single community or state. The national companies, like HSA, have a more challenging situation in that they cover the entire country from Fargo, ND, to Abilene, TX to Philadelphia, PA to Orlando Florida. It is a tremendous challenge to form a network of vendors that covers the entire country. With this challenge comes some variance in the quality of service contractors performing the repairs. We do our best, every day, to bring on high quality service people. However, the alternative is no warranty protection if your community is smaller, more rural, or difficult to access.
There are those who complain that they had to wait several days in high heat or extreme cold to have their furnace or air conditioner repaired or replaced. If you look in your yellow pages you may notice that there are a finite number of companies who do this work. When there is a heat spike or a heavy freeze they are under tremendous pressure to accomplish all of the repairs. Whether you have a home warranty or not, it is likely that you will have to wait to get your repair work done. In fact, we believe that we do get repair people to you faster than if you did not have a warranty, because we send these companies a lot of business and have service contracts in place to establish high expectations with our service people.
Further, if you need a rare part or a new unit, we might be able to get them faster than the local company because we often buy directly from the manufacturer. Still there are only so many service companies and it takes time to get to you when there are weather extremes in your area. We also have a service guaranty in our contract that ensures we will respond to your service request in a timely manner or we will let you contact a vendor outside of our network to ensure fast service. Our people do their very best to bring you the fastest service possible. It is in our best interest to have satisfied customers.
Our CSR’s are monitored and trained on a daily basis. All telephone calls are recorded. We review these for quality assurance purposes and if there is a complaint about “rudeness” we listen to the call and review it with the CSR. As we review these we frequently find that the “rudeness” may have occurred after a customer became irate, abusive or profane with the CSR. We do instruct them to end the call if they are subject to extremely abusive language or profanity. The CSR’s are nearly always friendly, courteous and helpful. If not, they are retrained. If that is unsuccessful, further corrective action is taken up to and including termination.
With this response I pledge that all complaints about our service surfaced on this site will be fully reviewed to be sure the proper claim decision was made. While there are times when customers are upset that our contract terms do not allow us to cover every claim, I am confident that we stand by our service experience and address problems as they arise.
Some customers complain about being non-renewed after a claim. On average, we pay 1.1 claims per contract. That’s our business. We pay claims and provide service to people. However, you may have seen allusions to receiving $10,000 in claims. Obviously we cannot pay that kind of money out on every warranty. These individuals usually have eight to twenty claims. If we did renew this type of property, the cost of the warranty would be raised very high for everyone else and make the product less available to consumers who need the budget protection our warranty provides. We also will non-renew for persistent abusive or profane language and for behavior we consider unethical. Just as you have the choice of warranty providers, we have the ability to choose not to do business with individuals who exhibit this type of behavior.
Some complaints are about hold times. We continually strive to improve our hold times. In these economic times longer hold times are a problem. You may have experienced them with airlines, banks, credit card companies, insurance companies, etc. We are actually pleased that we have been able to keep the standards that we have and even improve our hold times in several target areas. We have not moved to a foreign call center or outsourced our call center operation. All of your calls are answered here in the United States by HSA employees trained in the values of our organization. They take tremendous pride in providing you industry leading customer service.
I wrote this letter because I could not tolerate without response the people who call us thieves, liars and con men. We work very hard to deliver the best service and coverage that we can with integrity and fairness, and have done so for 25 years. We judge our success by the number of people who renew their warranty coverage with us year after year. These are the more than 85 percent of our customers who file a legitimate service request and receive fair and prompt service. If that were not true we could not keep our customers.
Robert Lehmann – CEO & President of HSA Home Warranty
Not every home needs home warranty coverage. So, as a homeowner, you should get appliance warranty plans if only it makes financial and practical sense.
Home Warranty is a appliance repair contract which takes care of repairs of electrical, plumbing and appliances inside the home. You will pay an annual premium (in the range of $300 to $500) in advance for repair or servicing of most important appliances in your home.
If you don’t have a plan in place and wondering what would it cost, get an estimate on home warranty for your house.
If you are an existing homeowner, appliance warranty simply provides peace of mind. It protects your pocket from expensive repairs. If something breaks down, you will place a call to the service provider and they will repair or replace the system within a reasonable timeframe.
If your house is more than 5 years old, you are likely to encounter many repair issues. So, it is a good idea to have home warranty insurance unless you have time and money at your disposal and you like fixing things around.
Imagine your air conditioner or heating unit breaks down and you need to replace the old unit. It may cost anywhere from $6,000 to $14,000 to replace. If you have warranty contract, it would be the service provider’s responsibility to replace the unit.
For a lot of people purchasing a home for the first time, the issue of home warranty arises before completing the transaction. Is this type of protection plan truly necessary?
The new home buyers have fears when procuring a home and fairly so. They do not want to come across a major repair bill soon after purchasing their new home. In order to ease these fears, real estate agents at times offer home warranty insurance to help close the deal. Most of the times they may have the seller pay this or they might even shell out it themselves. The average price for this is $300-$500 a year.
So now you can be sure, it will be purchased at the lowest costs for one year. After all, this is just a concession to help you relax with your worries and close on the house. So in your mind, if it’s FREE then go ahead and take them up on the contract. Or, you can decide the provider and see if they will employ the company you suggest.
Now, you should keep a few things in mind.
First of all, you get what you shell out. Second, most of the home warranty firms are not reputable. Many among them have a record of complaints and displeased clients. So be careful while choosing a reputable company as it requires exhaustive research.
If any of your appliances such as garbage disposal, washing machine or heating and cooling systems malfunction or break down, all you have to do is call up the home warranty company which will arrange a technician to come by your home to fix the problem. Most companies have a service call fee that is called as a deductible and will normally charge you about $60 to $100. There are a handful of home warranty companies that offer zero ($0) deductible as well.
Purchase home warranty if any one of the following is true:
If you are are a first time home buyer, you should definitely get some kind of coverage. New home owners are generally short of money, so the risk of having to pay for a pricey HVAC repair is just too much for them to manage. Having to mend or restore a heating and cooling system could cost thousands of dollars.
Firstly you must know precisely what is covered and broad this coverage is.
The short list of coverage is:
Price depends on the type of coverage and also on the city you live in. If you would like to know how much would it cost to get a service contract, choose one of the Top Rated Home Warranty Companies and request a price estimate.
Your work will be to find out how much coverage you have and for how long. You must comprehend that there are various levels of coverage. In some cases they may cover the furnace but not the air conditioning outside. You have to ask and need to understand.
Before you buy, you need to be acquainted with the reputation of the company. You can check home warranty reviews on our site and shortlist few good companies. Almost all of the companies will have some complaints, but you should look how many they have and are they determined.
One thing about this type of protection plan is that the warranty companies are interested in repairing, rather than replacing your appliance in most cases. In most cases, they will service the units only if the fault is due to regular wear and tear conditions. If the units are poorly maintained, then they may not repair. One more thing you need to be cautious for is “pre-existing defects or deficiencies” since these are not covered. You will discover that almost all home warranty companies won’t allow the policy to take effect unless you have stayed in the house for at least 30 days.
The good thing about having home warranty insurance is that it can give you calmness since you are likely stretched out on the budget anyway. The final thing you want is to have an appliance or a furnace go away in the first year after moving in.
For older homes, it is a “no-brainer” choice. But before buying a home service contract, homeowners should study the fine print in the home warranty contract and cautiously think whether the warranty is going to pay off. Home sellers who want to provide a warranty to buyers and homeowners/buyers who would feel more relaxed having a home warranty should also carefully investigate to find a reputable home warranty company that will in fact pay for genuine repairs when they are desirable.
Home Warranty Insurance provides you with protection against expenses that are incurred due to damage of your household appliances. The appliance warranty company shall either pay for repairs or replace your damaged appliance.
Home Warranty is not an ideal choice for customers who have fairly new equipment in their homes. It is ideal for appliances over four years old.
The advantages of Home Warranty are many. Its like an umbrella warranty that covers all the appliances in your home. These are the best aspects of an Appliance Warranty Insurance:
As much as there are benefits, like a coin with two sides, this too has a few limitations.
Being a top home warranty reviews site, we are aware of common problems faced by customers. Let us take you over a few such issues that you may find difficult to deal with:
Always make sure that you read the Policy booklet and contract thoroughly so that future conflicts are avoided. Also ensure that the Insurance Company you choose comes highly recommended.
Choosing the right plan and the right Insurance company is a tough decision to make. The market does provide a lot of choices regarding this as well. If you have decided to proceed with your decision of getting a Home Warranty for yourself, check our reviews section for some insights and ratings. We hope that it will help you choose a plan that suits your needs and your budget. If you are still undecided, do check out our Home Warranty Buyers Guide for further help.
As a landlord, legal responsibility is a bigger issue for you. You need to guard yourself against the losses that can potentially crop up to your properties and in general financial health. What if your occupant is hurt on the rental possessions? You want to be sure that if you are prosecuted, you have the adequate insurance to lend you a hand.
As a landlord, you should guard your income stream and that’s your rental income. If the structure is adequately spoiled then it is not possible for the renter to dwell in your property, so you require a protection to your rental income so as to meet your obligations, together with the mortgage on the property, if any. This is where you have to reflect carefully on what your exact needs are and purchase the right coverage.
Take heart! While it may sound scary, insurers have previously designed policies for the landlord’s requirements. Always remember that there will be a dissimilarity in these policies, so you will have to verify the fine print and choose the one that suits your situation. By shopping around, you will get a better idea of what is obtainable in coverage and at what price.
There are some forms of insurance you can take to make your life simpler and less of a burden. Here is a list of essential insurances that a landlord must have:
Landlords most likely take issue with this one, as it appears to take money out of their pockets-especially those with the ability to do repair work themselves. However, you can draw a better class of tenant if they recognize that there’s a warranty in place. (i.e., they won’t have to hunt you down and request you to come by to make repairs). Besides, it will free you up to truly manage your belongings as an owner rather than just a handyman. To end with, a home warranty policy will pay for itself with one or two repairs.
To get an estimate of home warranty costs for your rental properties, visit our home warranty price quote section
If you possess a home then you likely know the significance of ensuring that it is properly protected. Having the correct insurance for your property is a good step towards making sure that you have the guard you require. Landlord house insurance is essential for anyone who possesses a home. The key to home insurance policies is ensuring that you receive the best price for your insurance.
Below is a list of ways by which you can decrease the rate of your insurance policy.
Many landlords believe that they do not require any insurance for the contents in their buildings. They hold the impression that these contents are taken care of by the building insurance they procured. However, that is not the actual case. To get the contents covered, they will have to spend extra in landlords’ contents insurance. Some landlords even feel that the contents will be covered by any insurance policy the tenant holds. But the actual fact is that the policies bought by the tenants will only cover possessions of the tenants and not that of the landlord.
If the landlords truly worry about the contents for which they put in a huge amount of money, they must procure landlords contents insurance. In this way, they can expect to get some reimbursement for the items in case they are damaged. Having no insurance for these items will leave them totally destructed if they face any incident causing damages.
It’s called “umbrella insurance as it is intended to give liability protection beyond when the liability on other policies has been exhausted. Depending on the insurance company, you can obtain an umbrella policy with an extra one to five million in liability protection.
Umbrella Insurance gives an added layer of liability coverage. It’s isn’t just for rich and famous. Whether it’s an incident on your policy or a serious auto accident concerning costly medical bills, you can find yourself liable for damages that exceed the limits on your homeowners, auto or boat policies. A pricey judgment is the last thing you want to be anxious about.
Landlords habitually handle different types of policies, but one of the most significant and frequently unnoticed types of insurance is the umbrella insurance policy.
Consider these factors if you are not sure if you would benefit from procuring umbrella insurance or not.
Taking no notice of these insurance policies is not recommended anytime. The consequence of such ignorance could lead to serious losses that will be hard to recover. On the contrary, landlords are strongly suggested to make an investment in such policies that will save them a lot of money in case of any accidents.
There was a news report covered by HomeWarrantyWiz.com regarding recent developments with regard to fake Internet testimonials, company reviews, and ratings being detected and penalized by the Federal Trade Commission (FTC). HomeWarrantyReviews.com was involved with the research behind this article, particularly by sharing our experiences with home warranty companies that have attempted to use our ratings system to post fictitious consumer reviews.
Home warranty is a highly complex product and many consumers rely greatly on the information they find on the Internet in order to choose a home warranty company. Fake Internet reviews make finding accurate information about companies more challenging and can sometimes lead consumers to making misinformed decisions.
The recent FTC fine levied on an advertiser outside the home warranty industry for advertising that involved fake reviews posted online is a good sign for home warranty customers and for all consumers who use the Internet to shop and research products or services. Websites like ours which are actively monitoring the reviews posted on them are an additional resource aside from the FTC and state attorneys, working in the consumer’s corner.
There have been instances where we have blacklisted companies for repeatedly posting fake positive reviews. Some companies employed some sort of advanced techniques to make the review look legitimate. But we have built a sophisticated rating system over the years and will catch any attempt to manipulate the reviews. On top of that we have a team of experienced staff members who make sure the review passes through their litmus test. So, if you are company that relies on such tactics, take a note!
Ensuring that fake reviews and ratings are caught and removed and that the offending parties are warned is just one way in which reviews sites can police reviews and ratings and keep them as accurate as possible. Consumers also have a responsibility as well. Consumers must be diligent to make their reviews as factual as possible in order to make the fake reviews easier to spot. Detailed reviews stand apart from general ones and often fake reviews give only the most basic details, focusing more on glowing compliments about the service or product. Leaving emotion out of reviews is also important because the same companies that post fake reviews or attempt to deflect blame whenever customers post highly emotional testimonials. Ultimately the task of spotting fake reviews falls greatly upon the consumer’s shoulders but now that the FTC has thrown its hat into the ring things will be much more complicated and risky for companies that prefer false advertising over legitimate customer testimonials.
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.
Some of the above mentioned cases can be avoided, while some cannot be. In situations where the company says that the home warranty claim cannot be processed because the item is not covered or that the damage is due to improper maintenance, refer to your contract. If they say that the damage was pre-existing, there is hardly a way out unless you had a home inspection performed prior to purchasing the contract. Likewise for damages due to crimes and natural hazards, one needs a home insurance and not a home warranty. Which is one reason why you cannot replace a home appliance warranty with a home insurance or vice versa.
So now the question is, how do we avoid such incidents of claim denial? Simple, pick a great company. Like the infographic tells us, you have to do rigorous research before picking a warranty provider. This website could be a starting point for that. We have reviews of tens of thousands of customers which can help you choose a reputable company. Once that is done, review the contract or policy document thoroughly. Once you feel that the company is good and that the contract is drawn up pretty decently, you may proceed with the purchase.
In spite of all the research that you did and picking a good company, if you still find that your claims are being denied unjustly, you can dispute the claim. This basically means to go behind them until they set things right and make amends. It’s quite easy, follow the steps mentioned in the last section. Keep in mind that companies won’t give up that easy, so you make have to make multiple calls to convey your point. While disputing claims, keep the following in mind:
Chances are high that the company will come around and accept you claim.
Hagerstown, Maryland is one of the prime cities in Western Maryland. The Hagerstown-Martinsburg urban area is home to almost 270,000 residents, while the Hagerstown suburban area has over 40,000 people and about 30,000 jobs. Currently, there are approximately 500 homes for sale in Hagerstown at a median listing pricing of nearly $180,000.
The top-rated realtors in Hagerstown are well aware of properties, neighborhoods, and newest for sale listings in the city. The experts can provide you with updated information about home buying and selling trends in Hagerstown. Below is the list of top 5 real estate professionals based on their recent activity, years of experience, and total sales volumes in dollars.
Tina is a Realtor with Exit Preferred Realty and licensed in Pennsylvania and Maryland. With an experience of more than three decades, she specializes in short-sale, consulting, and buyer’s agent. She is a proud Member of Pen Mar Regional Association of Realtors, Member of Metropolitan Regional Information System, Member of Realtors Association of York and Adams County, and Member of National Association of Realtors. Tina is an accredited short sales and foreclosure resource (SFR) as she knows how to help sellers maneuver the intricacies of short sales as well as help buyers pursue short sale and foreclosure opportunities. Tina understands that buying or selling a home is one of the most significant things you do in life and she assists in making the experience as smooth and successful as possible. Her extensive experience and expertise in the Hagerstown, Chambersburg, Fayetteville, Greencastle, Mercersburg, and Waynesboro real estate market benefit her customers in their buying and selling process.
If you want to buy a home, Tina and her team can help you find the home of your dreams by patiently listening to your needs. She works untiringly to find the right home so that no one has to compromise when it comes to such a huge purchase and decision! Besides, her real estate knowledge ensures that you get the best price possible for your property. Her strategic marketing program makes sure the right people view your home. Whether you are seeking Homes for Sale or Mortgage information, Tina and team are always available for service by phone, email, or appointments. Experienced in all facets of real estate, Tina enjoys spending time with her children and grandchildren, gardening, riding horses, and taking a hike.
“So if you or someone you know is looking to Buy or Sell a home give me a call. Thinking Real Estate! Think Tina Long!”
Joan possesses more than 33 years of experience in the real estate industry spanning across Residential and Commercial Development in the Washington D.C. Cosmopolitan Area, Property Management, and Certified Buyer and Seller Representation in the Western Maryland and South Central Pennsylvania neighborhoods. A consistent multi-million producer, she can assist first-time buyers and people scaling up or down with their home size or moving to a new area. Joan is skilled in all facets of real estate including but not limited to equestrian or farm properties, urban, suburban or rural homes, historic properties, primary or second homes, and Country Properties. Currently a part of the management team at Coldwell Banker Innovations, she operates mainly in Hagerstown, Boonsboro, Braddock Heights, Clear Spring, Funkstown, Sharpsburg, Chambersburg, Mercersburg, Greencastle, Waynesboro, Knoxville, Fairplay, Saint James and more. Joan believes that experience and understanding are priceless when purchasing or selling a home and hence she provides the right guidance to attain your real estate goal.
An alumna of the University of Buffalo, Joan is constantly acknowledged as one the area’s leading real estate professionals. She has served as President of PenMar Regional Association of Realtors providing guidance for the local membership to boost their abilities and opportunities to prosper through cooperation, participation, promotion of professional integrity and moral standards, and providing educational opportunities to further their careers. She is also engaged in teaching the Introduction to Real Estate licensing course at Hagerstown Community College. Joan has steadily maintained a multi-million dollar award winning sales position in the top 10% each year. She has won the following awards:
Call, email or text JOAN anytime with real estate queries you may have.
Mike has spent more than two decades working in the real estate industry serving the needs of both the residential and commercial market. He is a resident of the Frederick and Washington County neighborhood and displays an amazing sense of leadership and integrity in everything he does. Mike received his Bachelor of Science from the University of Maryland University College and operates mainly in areas such as Hagerstown, Adamstown, Saint James, Brunswick, Boonsboro, Middletown, Smithsburg, Keedysville, Ijamsville, Williamsport, Maugansville, New Market, Point Of Rocks, Thurmont, Cascade, Cavetown and more. After spending his initial 17 years with Mackintosh Realtors, a local independent firm in Maryland, Mike established Atlantic Real Estate in January 2013 and since then is building a business model that incorporates the customary services expected from a real estate brokerage firm while combining state-of-the-art technology and advanced ideas. Atlantic Real Estate manages all aspects of real estate including property management, buyer & seller representation, real estate investor strategies & planning, professional marketing & sales, consulting & advisory services, land development, and new home sales & marketing. He established Atlantic Home Construction in 2015 after renovating & remodeling investment properties for many years. The company builds custom new homes and remodels existing homes for resale.
In 2016, Mike established Atlantic Companies, recognizing the void between the real estate and building industries. Atlantic Companies is comprised of a real estate division (Atlantic Real Estate) and a construction division (Atlantic Home Construction) along with other ventures. This allows both divisions to work together providing superior quality and long-term value, forward-thinking ideas, and honest customer care.
Mike’s commitment to work responsibilities sets him apart from the rest and has helped him achieve the following:
In addition, Mike has earned the following:
A licensed agent with Keller Williams Premier Realty, Karen serves neighborhoods such as Hagerstown, Clear Spring, Chambersburg, Fort Loudon, McConnellsburg, Mercersburg, Orrstown, Williamsport, Boonsboro, Shippensburg, Waynesboro and more. Whether working with a first-time buyer or a seasoned homeowner, she believes in striving for excellence. Her specialties include short-sale, investors, senior real estate consumers, residential, distressed homeowners, luxury homes, listing agent, and relocation. After graduating from Mercyhurst College, Karen spent 25 years as a registered nurse in Erie, PA. When her husband relocated to the Cumberland Valley around 17 years ago, her 5 children were very young. Her passion for bringing the best to a community led her to get involved with the local Boy Scouts of America. She held numerous leadership positions such as Cubmaster and leading district training events. Later she also became a board member of the Mason-Dixon Council as Vice President of Cub Scout Program. Karen is a recipient of the Silver Beaver Award which is the highest Council award and her 4 sons have earned their Eagle Scout award. Her daughter is the pharmacist at the local Greencastle CVS and one of her sons is a pilot for the United States Coast Guard.
Karen’s expert skills along with hard working attitude and interest in marketing led her to pursue a career in real estate in 2004. In her very first year of service, she was awarded PenMar’s Rookie of the Year. Since then, she has continued to be a top volume producer. “Helping people with one of the biggest decisions of their life is such an honor. Being their advocate and making their move as easy as possible are my goals. People look to us for guidance with life changes and this is a responsibility that we cannot take lightly. I BELIEVE that Realtors who base their practice on the latest guidelines and marketing principles are “doing their best” for their clients and their client outcomes are then optimized.” Karen helps the first-time buyers by making them understand the assets and liabilities of a property. She believes that preparing the home for selling and staging the house are critical when buyers are so selective. Premium virtual tours are her specialty.
Finding Keller Williams, the second largest Real Estate Company in the US has been impeccable for Karen’s wish to be the best. Working at Keller Williams has offered her the following:
Karen has earned the following designations and certifications:
“My mission is to always “DO MY BEST” in providing professional real estate services to you the buyer or seller!”
Kari Shank is a full-time realtor with RE/MAX Achievers and licensed in Maryland, West Virginia, and Pennsylvania. She is keen in making your real estate transactions as seamless as possible. She is a permanent resident of Washington County, MD and also has great exposure to the Washington and Baltimore areas. Kari loves working with both buyers and sellers and always takes a tailored approach to the business. Besides, she works as a buyer’s agent emailing you with new listings, setting up custom home searches, negotiating deals, and setting up custom home searches on your behalf! She has a proven track record selling real estate and is available to you seven days a week to answer any of your concerns. Kari has a long list of clientele as she carefully listens to understand the goals and guides them through the complete process of selling their property from listing to sale.
With nearly 11 years of distinguished service, Kari has won the following awards:
Kari is mainly active in neighborhoods such as Hagerstown, Middletown, Smithsburg, New Market, Falling Waters, Boonsboro, Adamstown, Chambersburg, Shepherdstown, Brunswick, Clear Spring, Fairplay, Frederick, Keedysville, Maugansville, Myersville, Sharpsburg, Williamsport, Greencastle, Waynesboro, and Martinsburg. Her skills include sellers, buyers, first-time buyers, relocation, condos/townhomes, short sales, foreclosures, investment properties, and new construction. She is very active in the real estate community serving on the PenMar REALTOR® Association’s YPN Group and as a presenter at the Hagerstown Home Store. As a certified distressed property expert (CDPE), Kari is proficient in effective short sale negotiations. “If you must sell and the current value of your home is no longer enough to satisfy your mortgage a short sale can be a wonderful opportunity to avoid foreclosure. I have worked on many of these sales and would be glad to help you consider your options.” An alumna of University of Maryland College Park, Kari is interested in historic properties, music, photography, traveling, animal rights, and vegetarianism.
“Just tell me what you are looking for and I will search all of my sources and provide you with a convenient report of all the properties that you may be interested in complete with photographs of the properties and detailed neighborhood information.” Kari guarantees to advertise through multiple sources, competitive commission rates, and guides you through your next move! Call her today for more information on the current market.
It is not surprising that homeowners often wonder whether home warranty is more cost-effective than the actual repair expenses. Top home warranty review, rating, and comparison website, HomeWarrantyReviews.com has introduced Home Maintenance Calculator to better make an informed decision in purchasing a home warranty. There is also a widget code for all the realtors out there to use it on their websites and blog posts. This is a nice to have feature and sends out the right signal for all of the potential customers coming your way! (<iframe src=”https://www.homewarrantyreviews.com/home-maintenance-widget”></iframe>)
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.
Georgia, the state that has everything from marshlands to beautiful beaches! This state has many things to be proud of and on top of the list is the fact that its capital city, Atlanta is the birthplace of Dr. Martin Luther King Jr. For the 10 million Georgians out there, here’s an article that discusses some of the best home warranty companies in your state.
There are many home warranty companies out there, but some of them stand out from the rest due to an enhanced customer service and benefits that they provide. In this article, we are going to be talking about the top 5 home warranty companies listed on our website as of September 2015.
Reviews about this company suggest that they offer excellent services when you get their coverage and they will always find the most professional work for the best deals. That is what home warranty services are all about and these guys do it extremely well. They have been in the business or a very long time and they know exactly what people need and what kind of plans they should be providing to them.
The general feedback from customers is that AHS is a truly incredible service provider that goes the extra mile for their customers and that is the thing that really makes them the best at what they do in the eyes of hundreds of customers who have left their feedback. This is the kind of customer feedback that can be extremely good and it can make a company gain a great reputation fast.
They are offering some excellent home warranty plans that are going to be extremely beneficial to a lot of people. There are also many variations of each one of these plans and the price ranges are pretty good. There is a good chance that you will find one plan that will be ideal for your needs.
One of the best things they offer is the “Build Your Own Plan” option, which basically allows you to customize the coverage and this makes it even easier for you to get something that fits your budget and needs.
These guys really go the extra mile with their 24/7 customer service features and they will get people to repair an appliance of yours fast and efficiently. This is the one thing that makes the Home Service Club stand out from the competition in a very positive and appealing way. People like the idea of being able to ask for help at any hour of the day and even at the latest hours of the night. No matter how late or how early in the morning, they will have someone answering their phones and providing emergency services to you if necessary.
The client feedback for the company is predominantly excellent and there are many people who are always giving praise to their 24 hour availability. There is no doubt that these guys have earned a good reputation. There are a few disgruntled customers who report having to call third parties in regards to some issues, but 99% of their feedback is excellent.
They have a standard plan which is good enough for most people and they have a comprehensive plan that gives coverage to a larger number of states.
Home Warranty of America is very proud of the way they strive to simplify the lives of their customers. They provide help with very immediate responses and that is what makes them part of this top 5. This is the kind of customer service that needs to be provided to the customers if a company wants to be able to gain any kind of respect and positive reputation.
The Client feedback is for the most part very good and there are many customers who are very satisfied with the service. You will find that some people who own very old appliances will complain that they did not get assistance for those items, but most people seem very satisfied with the service. It’s remarkable to see a company with such a high rate of satisfaction from its customers.
Their customizable home warranty plans are very efficient and a lot of people have mentioned that they have a lot more options available since they started using this company. This is one of the reasons why it’s so highly recommended to anyone that wants to get proper home warranty plans for their appliances.
2-10 Home Buyers Warranty has a host of online and offline services for their customers. They have a large contractor network of over 10,000 licensed and experienced technicians. The company takes pride that they have served more than 2.5 million American homeowners so far. The official website of 2-10 Home Buyers Warranty provides customers with the provision to manage their account online and also place and track claims through the Internet.
This is a company that has been in the industry for close to 30 years. They’ve built a strong reputation for themselves and is therefore a popular choice among new and existing homeowners. Feedback from customers was mostly positive with some instances of claim denials being reported here and there. Overall, this is a company that holds an A+ rating with the BBB and is also a favorite among homeowners.
2-10 Home Buyers Warranty has different plans for homeowners, builders and real estate agents. For homeowners, there are two basic plans. A 10 year structural plan and a Systems and Appliances plan. For real estate agents, the company provides one year service agreements for townhouses, condos or multi-family homes. Builders can avail comprehensive protection plans that provide structural warranty and reduce the builder’s liabilities.
These guys are known for their quick and efficient customer services as well as their ability to provide the most professional repair services for all the covered appliances. This is a very solid company that has plenty of experience and it has become quite obvious to their customers that they are in this business to stay.
The client feedback is extremely good for this company and there is a very small number of people who have complained about the services not being what they expected, but this is inevitable in any large business. Even when everything gets done as it should, there will always be someone who is not going to be 100% satisfied with the work.
They have very good standard home warranty plans that cover a wide range of appliances and they also offer more flexible plans that allow their audience to fully customize their services. There is definitely nothing more important than having a certain degree of flexibility when you are working with any kind of flexibility plan and that is all that you really need to learn.
While this article discusses top five companies based on user reviews, we want our readers to understand that this is not some kind of authoritative list. Please do keep in mind that there is a large number of home warranty companies that are just as good and efficient as the ones we mentioned. We actively encourage you to go through our website and the user reviews on it before you make a choice. Plus we’ve got a free quote tool and listings of top home warranty companies serving in each state, which you are free to exploit.
If you think there’s another company that deserves to be on the list, do tell us about it and If you found this article useful, don’t forget to share it with your friends! Cheers!