First American offers financial services through its Title Insurance and Services segment and its Specialty Insurance segment. The First American Family of Companies’ fundamental business lines includes title insurance and closing/settlement services, home warranty products, title and other real property records and images, title plant management services, valuation products and services, banking and investment advisory services, and property and casualty insurance.
The California-based company serves homebuyers and sellers, loan originators and servicers, real estate experts, commercial property pros, home builders, and others involved in residential and commercial property dealings with products and services specific to their requirements. With experience dating back to 1889, the company provides its services and products through direct operations and a network of competent agents across the United States as well as worldwide. In 2015, First American achieved revenues of $5.2 billion and was also acknowledged in 2016 by Fortune® magazine as one of the 100 top companies to work for in America.
First American has announced the acquisition of a New Jersey-based RedVision Systems, Inc., the biggest national provider of the title and real property research. RedVision applies data, technology, and managed services solutions to transform the procurement and processing of title information. The firm is renowned across the industry for its state-of-the-art, proprietary NOVA® and TitleVision2 technologies and the cascade of best-practice standardized Redi® products – ExamRedi®, SearchRedi®, ClearingRedi®, and CurativeRedi® to empower clients with SLA attainment, transaction cost savings, compliance and risk management. RedVision has been successfully examined against SOC 2 standards, named on HousingWire’s TECH100™, chosen as an American Land Title Association (ALTA) Elite Provider, and repetitively listed as one of the rapid-growing companies by Inc. The organization has delivered over 7.5 million title reports to 1600+ client organizations, comprising title underwriters, financial institutions, national agents, settlement service providers, local agents, attorneys, lenders, and foreclosure/default processing organizations.
“We’re excited to soon welcome RedVision to the First American family of companies. RedVision’s data, technology, and services complement First American’s existing title search and title evidence production and will further expand First American’s industry-leading position in title and property data,” said George Livermore, executive vice president of First American’s Data and Mortgage Solutions division, which will include RedVision. “RedVision’s nationwide title production platform, coupled with First American’s title and property data, and billions of recorded documents, will offer our customers unmatched quality, coverage, and operational flexibility.”
The possession will let First American’s Data Trace group to leverage RedVision data to build extra title plants efficiently and rapidly. RedVision will become part of First American’s Data and Mortgage Solutions division and will function as a business unit under its management team, with CEO Brian Twibell continuing to head the business.
“We’re delighted with the opportunity to combine our technology, services and expertise with those of First American, a company known for its integrity, innovation and leadership in the title and settlement services industry. RedVision’s platform, now powered by industry-leading title and property data, will offer title evidence and packaged title reports with enhanced quality, accuracy, and efficiency,” said Twibell.
HomeWarrantyReviews.com is dedicated to providing our readers the best and most complete source of real, honest reviews and ratings of home warranty companies. Our reviews come from real homeowners who have firsthand experience with the home warranty companies, not paid writers who only evaluate the companies that pay for advertising. We are the largest, and longest standing source of objective testimonials about home warranties on the Internet.
Home warranties, also called home service contracts, cover the cost of repairs in the home. These contracts also provide homeowners with prescreened contractors, something that is very valuable to anyone with a broken appliance or major systems such as air conditioning or heating. Through reviews on our website readers can really get a feel for the service they might expect from certain companies. But what else can be learned from reading our reviews? Quite a lot actually. For one, you just might learn which covered appliances and systems break down most often.
Recently we asked our team to tell us what appliances are mentioned most often in our reviews. This is a good question, since reviewers on this website usually include some information about their recent repair claims. Here’s what we found out.
We started with 11,000 reviews. We chose words that relate easily to specific appliances and system components. Words like “air” would most often relate to air conditioning. Words like “dishwasher” are even easier to correlate to a specific home appliance. The list also included words like “furnace.” In the end, we had a list of 15 terms that we wanted to look for in those 11,000 reviews. The results were not so surprising.
According to our research, the HVAC system is mentioned in 72% of reviews! Does this mean that you have a greater risk of your HVAC system breaking down than any other appliance or system in your home? No, not at all. What it does mean though is that homeowners who use home warranties and who take the time to review those companies on our website are using those contracts to repair central heating and cooling systems quite often. And that can lead to some inferences that might help you if you’re in the market for a home warranty.
What about dishwashers? Those appliances get used daily in the average home. You might assume that dishwashers would be a pretty commonly reported appliance. The numbers we looked at told a different story though. Only 3% of the reviews we used for this study contained the word “dishwasher.”
Roughly 9% of reviews reported problems with the home’s water heater. Another 2% had trouble with ovens. When you look at ovens, water heaters and dishwashers, those three appliances only account for 14% of reviews. Compare that with HVAC units and you can see what a huge difference there is between that one, a single category of repairs and all the others. While this is not enough data to base a conclusion on, it would seem that anyone who purchases a home warranty and who has an HVAC system should make sure that the HVAC coverage is very good and that the company has a good history of covering HVAC repair claims.
Among the final 14% of reviews, there were many other items listed including furnaces (3% of reviews,) clothes dryers (2% of reviews,) and plumbing, which appeared in 5% of reviews. The remaining 4% of reviews had a range of different appliances listed, including microwaves, both installed and free standing.
The main thing we’d like readers to take away from our findings is that reviewers overwhelmingly described problems with HVAC systems and other cooling and heating systems. No other single category even came close to stacking up next to these major systems. And that makes sense. No other system is worked harder, particularly in homes that experience very hot and very cold seasons. For you, as a reader, this might mean that you should seriously consider opting for a home warranty that covers your heating and cooling system, versus one that only covers the appliances in your home. But there’s a bit more to consider. Having coverage is great, but having good coverage is much better. It doesn’t help you at all to have a home warranty if your claim is denied. To choose a company with a good history of approving claims you need to do your homework. And to do that you should read reviews here on our website until you feel confident you’ve found the best company for the most reasonable price.
Home protection plans, commonly known as a Home Warranty or appliance protection plan is a service contract that agrees to offer discounted repairs and replacements of your household appliances. It means that if any of your covered appliances breaks, the home warranty company shall provide you with a qualified technician who will repair your device and cover the cost of repair as well.
Ideally, appliance protection plans are best suited for people who have appliances that are fairly used and above 4 years in age, as this is the time where most of the functional issues arise. It is highly recommended that you purchase a home service contract if any of the following are or all are true.
If you were to ask if these plans are worth the money, then we would have to admit that there is no straightforward answer to that. There are quite a lot of happy customers out there who swear that purchasing home warranty was the best decision they ever made and yet there are people who think otherwise. It is up to you to decide if you will benefit from a home protection plan. If you are in need of more guidance, please read the Home warranty buyer’s guide.
You purchase the appliance protection plan from a home warranty company for a certain amount of coverage. This coverage could be vast and cover almost all the outside and inside appliances or it could be the basic version. If a device covered by the plan fails to operate properly, you simply place a call to your home service contract provider. They will then call up a service vendor with who they have contracted and tell them about your issue. Service vendor then collects your contact information and contacts you to fix an appointment.
He/she then comes to your home to take a look at the damaged gadget. If the repairs needed are minor, they will oftentimes be fixed on the spot. Major repairs and part replacements need approval from the home warranty company. If parts are to be replaced, the home warranty company shall procure them for you and get the appliance fixed. Sometimes, if the technician determines that the device can’t be repaired, depending on your coverage, the home warranty company may replace your device.
Hence, one can say that the benefits of Home warranty are the following:
As mentioned before, there still exists a school of thought that home warranty plans are not worth the money. Hence, we must discuss the drawbacks of these plans.
Because of these reasons, we suggest that folks who fall under the following categories, don’t purchase a home warranty. This is only a suggestion, if you believe that you shall benefit from a home warranty plan, you should go ahead with it.
You can consider an extended warranty to protect your new devices. You can read about the differences between home warranty and extended warranty to clear your doubts.
If your devices are new, chances are low that they may need repairs often. Also if they are still covered by the manufacturer’s warranty, any damage will be covered by them, provided it is not an excluded case. And all of this is unnecessary if you are a repair vendor yourself!
Home warranties can be a great way to protect your budget and your appliances. As mentioned before, if you fall into the former category where your devices are old and so on, we highly recommend that you purchase a home warranty. Otherwise, you can do without one.
A lot of unpleasant instances occur due to lack of understanding of the working of the plan. Hence, we urge you to read the policy booklet and the offer document carefully before you make a commitment. These documents are highly significant and have to be studied and preserved carefully. If you are certain that you want to purchase appliance warranty, please go through our reviews section to choose the best provider out there. Good luck!
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!
A patio is an ideal place for basking in the sun on those lazy Sunday brunches or happening evening barbeques, wining and dining. A patio can add that special something to your home, at the same time adding value to your property.
A patio is a outdoor space for dining or recreation that adjoins a residence and is often paved and well decorated.
According to a recent survey conducted by the National Association of Realtors, patios were among the top 10 features that buyers want in a new house. More than half of surveyed buyers said that they would be willing to pay a premium for a house with a patio.
Creating a patio for your home can be engaging and rewarding. You can choose to do it yourself or hire a professional. A patio is one of the most flexible places and you can design it the way you want.
Don’t worry if you’ve never done any hard landscaping before, as our simple guide will lead you through each step of the process. We chose to use slate paving, but the choice of materials are endless (from sandstone to york stone to concrete), with something to suit every budget.
Measure the area you want and dig it at least to 15 cms deep to allow space for mortar and slabs.
Shovel in three inches of crushed stones for base and make it even. This can be done manually or you can rent a machine tamper.
Lay the slabs down and check if you’re happy with the arrangement. Start from the house or a wall or fence if there is one.
Make a mortar mix from five parts building sand to one part cement or use ready-made mortar mix and follow the manufacturer’s instructions. Create a bed of mortar 5 to 8 cm deep and lay slabs on it leaving 1 cm gaps in between for grouting. Tap down the slabs with a lump hammer. Check with a spirit level as you go to ensure the slabs are level or maintaining the fall away from the house. Leave the mortar to set for at least 24 hours or a few days.
Fill in the spaces between the slabs with a mix of three parts building sand to one part cement (or a ready-made mix) using a pointing trowel. If you get any of the mix on the slabs; remove it. Allow to dry for a few days.
A patio is incomplete without elegant furniture, lighting to suit the mood and yes some plants to add some color. Here are some ideas on how you can decorate a patio –
Choose furniture which fits the space you have created in the patio else you end up having no space for a table or chair. You have a wide variety of materials to choose from plastic to wood or iron. Resin, a kind of plastic is the best choice for outdoor furniture. It is weather-resistant and doesn’t absorb heat in the summer and are low on maintenance.
Lighting It sets the mood and makes your patio a much sought after place. Embedded lights on stairs can help you watch your steps during dark nights. Here are few lighting options to consider. Energy efficient lighting tips can be found in the articles section.
Chinese lanterns add glamour and ambience to any space, also are very economical. Make sure to shop for sturdy lamps as cheaper ones get worn out easily.
Flood lights are the best for lighting a patio especially when they are positioned correctly and makes the place look much brighter. But these consume lots of electricity therefore can be used as an alternative.
Solar lights If you are a Mother Nature lover then yes. Even if not then yes, solar lights are the most viable option. These lights tend to sit low to the ground and serve as perimeter lighting, which is perfect for the path to the patio. Solar lights can be a great option for and can be chosen from variety of styles and illuminates for 15 hours and of course saves on your electricity bill.
Spruce up your patio with potted plants, ferns and shrubs and plants which thrive well in your area. You can get creative with the plants you choose and experiment with different colors and texture and use pots of different shape and size. You can also create a pool or a fountain to get closer to the Mother Nature and to add that special touch.
To enjoy your Patio in all weather you have to shield the place. Consider adding a retractable awning or umbrella to your patio space. The shade that these coverings offer will allow you and your family to enjoy your patio comfortably regardless of the weather.
Retractable awning: This modern shelter allows you to shade your porch and keep it dry during a storm, but you can also retract it to enjoy the sun’s rays.
Sail shades: They’re flexible enough that you can attach them to anything from the side of a house to a tree, and they come in many sizes, shapes and colors to fit any budget and style.
One can get carried away by the variety of umbrellas to choose from Auto Tilt Patio Umbrella, Offset Patio Umbrella, 9 Market Umbrella etc. Back-porch classic is both decorative and functional and will give diners a shady respite during mealtimes. For nighttime parties, drape garden lights inside an umbrella for added ambiance.
You can add a fireplace and a barbeque and decorate the place with artifacts to add personality to your space and your patio is done. Home warranty might not be able to cover your patio but insurance will.
Household appliances are mostly large pieces of equipment which cost quite a lot of money. Most homeowners use their appliances until they break down, which is usually a span of 10 – 20 years. However, if you don’t practice caution or do adequate research, you may end up buying a product that does not suit your needs, which causes both financial loss and frustration.
While planning a purchase in advance helps you find the lowest price, it may not always be possible. If your AC breaks down during summer when the heat and the AC unit prices are high you will not have a choice.
You could be someone who is either needing an appliance urgently or you could be someone who expects a certain appliance to crash soon and is looking for replacement. In the first case, you will rush to the closest store or look up online to find one that suits your needs. While doing this, you may ?tend to get sidetracked and forget your actual needs.
Some people buy appliances because they are visually appealing or if it comes at a very low price or if it has attractive freebies. All of this leads to you ending up with an appliance that does not suit your requirements. You’ll probably regret your purchase immediately.
To avoid this, before you start to shop, analyze your requirements. Make a list of the following-
Write down the answers on a paper and keep it with you while you shop. If you are merely looking for an exact replacement, write down the model no. and manufacturer’s name and pay a visit to your closest appliance store.
Imagine the horror if you buy an appliance and bring it home only to find out that it doesn’t fit where you wanted it to?
To avoid that, measure the space where you plan to keep the appliance. Do it twice to avoid minor errors. Keep the measurements with you while you shop. Once you visit a store, select appliances that match your measurements.
However, if you feel that appliances that come in the size you need do not have the features you require, it’s best to either make space for a larger one or find out if there are used variants of the model you need.
If you wish to get the best price, don’t expect to find it in the first store you look. Visit several shops or websites, if you are purchasing the appliance online and compare prices. Don’t get swayed by the freebies. Most e-commerce websites and shops provide great deals during festive seasons. If you are planning your purchase in advance, Black Friday sales are the best time to buy appliances (or most things, for that matter).
If the requirement is urgent, you’ll have to make do with whatever’s available. Once you zero in on a model, look up online to see who offers the best price.
It might be a good idea to look an appliance that comes with a warranty. Most products come with a manufacturer’s warranty, but some stores do sell extended warranties for products they sell.
Some stores like, Home Depot and Lowe’s also offer extended warranty for specific appliances. Extended warranties are different from home warranties and are ideal if you need coverage only for a certain appliance which is no longer covered by it’s manufacturer’s warranty.
If you are planning to purchase an used appliance, you need to be extra careful. Find out why the appliance is being sold – is it because the owner upgraded or is it because the appliance sustained major breakdowns?
Examine the appliance thoroughly before you make the buy. Also ask for warranty papers and bills. Buying one without the relevant papers may not be a wise step.
Appliance purchases cost substantial amounts of money. Buying the wrong product will leave you troubled. Make the purchase only after you are convinced that it is the best option.
Hope you enjoyed the article, happy shopping!
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.
Life throws many unforeseen things at all of us. As we can’t stop these things from happening, we can choose to give our lives a bit of protection. Insurance is meant to grant us some measure of financial protection, when a disaster occurs. There is plethora of insurance options available and it is suggested by many financial experts to have these insurance policies in place. Yet, with so many choices, it can be difficult to decide what kind of insurance you need to get.
Buying the right insurance is always decided based on your specific situation. There are however, four insurances that are suggested by most financial experts namely life, health, auto and long-term disability. Each of these covers up a definite feature of your life and is vital to your financial future.
The greatest aspect in having life insurance is providing for those who depart. This is really important when your family is dependent on your salary. Experts recommend that life insurance policy should cover “ten times your yearly income”. This amount would give a sufficient amount of money to cover funeral expenses, existing expenses and provide your family a financial cushion which will assist them re-group after your demise.
When estimating the amount of life insurance coverage you want, keep in mind to factor in not only funeral expenses, but also mortgage payments and living expenses such as credit cards, taxes, loans, child care and future college costs.
Life insurance is something that will be required by everybody at some point. Unless you work in the insurance industry or are familiar to somebody that does, what do you really know about the life insurance types that are accessible to you? The answer to that question probably is ‘not a lot’, and why you be supposed to?
Many of us think that there is a common life policy for insurance that everybody procures but this is actually not the case and there is a variety of life insurance that can be bought. Each of the types has its own precise features and benefits that may be of concern to the consumers.
Below is the brief explanation as to what these different kinds of life insurance are in order that you can be familiar with the difference between them.
Life insurance comes in several sizes and shapes, but they generally fall into two categories namely Term Life Insurance and Permanent Life Insurance.
This is the most affordable life insurance and coverage in this type is bought for a definite price for a specific period of time. After the demise of the insured, the recipient will receive the death benefit. It makes the death benefit longer only for a definite period and if the insured doesn’t die within the term of the policy, he gets nothing in return.
This kind of life insurance makes logic if you have monetary needs that will reduce over time, such as a child’s tuition or a home mortgage.
Types of Term Life Insurance
Permanent life insurance by definition is a policy that provides lifelong protection. The policy never ends as long as the premiums are paid. In addition, this type of policy provides a savings element that builds cash value over a long period of time.
Types of Permanent Life Insurance
Once you know the type of protection applicable to you and would like to procure, you can get online rates for the policy you wish. With the help of online life insurance quotes, you are able to examine and compare insurance quotes from various insurance companies.
While appliance protection plans are always a wise purchase if your appliances are older than 4 years, you still have to make sure that you chose a home warranty company that has a good reputation. It has been noticed that companies sometimes deny our claims on vague grounds, often quoting fine print from the contract. One major such reason stated for denying claims is lack of maintenance.
More than a handful of customers have reported that their claims were denied stating that the device was badly maintained. While it is understandable that customers feel cheated, we still have to realize that since contracts explicitly mention that lack of maintenance issues are not covered, we can’t expect the company to repair such devices.
Let’s take a look at a story that happened sometime back. A lady bought a home warranty contract thinking that she’ll get some budget protection. Her appliances were well over 4 years old. She briefly breezed through the contract and assumed that except for damages due to hazards, thefts and some explicitly mentioned perils, every other damage was covered. One day, her radiator breaks down. She informs the home warranty company and they send a tech to take a look at the device.
The tech finds out that the device was never serviced for quite a bit of time which eventually led to its breakdown. He innocently reports to the same to our lady who gets mad at the tech and the company. The lady then decides to write about this incident on the internet without realizing that the fault could be on her part. She did not get her devices serviced nor did she read the contract carefully. The company’s reputation suffered due to her carelessness.
Now let’s take a look at another story. Yet another lady bought a home warranty contract from a company that was not really famous nor did it have a good reputation. She paid her premium and she was a good housekeeper who regularly got her appliances serviced. She turned to her warranty company when her refrigerator malfunctioned. This company then sends over a tech who diagnoses the issue to be one caused due to lack of maintenance. The lady was distraught. She was sure that the issue was something else but what choice did she have? The company in question here, operated without ethics and refused to repair a damage that was legit. This incident too leaves the lady furious and in a position where she would definitely bad mouth the company.
So you see, like a coin with two sides, the home appliance warranty industry too has a good side and a bad side. There are cases where genuine claims were denied just so that the company can make a profit and there were cases where the denial was genuine and the customer could just not accept it.
We understand that nobody wants to encounter such unpleasant experiences. We can’t make these warranty companies behave themselves, so what we can do is to make sure that we don’t associate ourselves with companies that have a bad reputation or are fraudulent.
Here’s a list of things you can do to avoid any disputes and conflicts
We are a team of likeminded people who built HomeWarrantyReviews.com to provide genuine feedback about the industry to its customers, so we are not here to praise the industry or cover-up their mistakes. In the time that we spent here, which is over 9 years, we have come to realize the following:
If you keep all these points in mind, we’re sure that your experiences with the home warranty industry will be a pleasant one. Cheers!
On our website, we have a host of comparison tools and a good number of informative articles related to home warranty plans.
We don’t want to single out a plan that’s the cheapest out there, but we can help you find one that suits your budget and offers value for money. This website also provides ratings and reviews of all the leading Home Warranty companies, so you can choose the best companies here.
First, compare top home warranty companies in your area and choose the ones you like. Then sort them in the order of annual premium, this will give you the list of companies with lower premiums. You can also sort by Deductible to find out who offers the least amount of Service Call Fee per incident.
May we also suggest that choosing a plan based only on costs is not a great idea. Sometimes, these inexpensive plans may omit a lot of appliances and perils and you may end up paying for something that does not benefit you in any way. On an average, appliance warranty plans range anywhere between $250 to $1000 per year. In addition to this you will have to pay a service call fee each time you raise an issue
So, how do you choose a plan that provides value for my money?
First, select a reputable and highly rated company and then select a plan that best suits your budget.
On the same page, sort companies by Weighted Avg. Rating option. This will give you the list of companies with top consumer ratings.
Selecting a good home service contract company is an imperative as the quality of the company will be reflected in all the services you receive from them. Ideally a good company is one that
More often the company with highest ratings is likely to meet these criteria.
If you choose the right company and plan, it will offer the following benefits:
Although these features are offered by a majority of the Appliance Warranty plans out there, there a few things that you must keep in mind.
Can a Contractor benefit from the Home Warranty Companies? There may be universal consensus on the subject which is why this article is dedicated to show how work can be extracted and also examine the full scope of benefits a Contractor can draw from a Home Warranty Company.
The better the reviews for a Home Warranty Company (New York, Virginia, Texas, California, etc.), the better your chances of earning and saving more at the same time. What makes it so attractive is the almost nullification of advertising costs for the contractor. All companies that work along with Contractors offer free referrals to Contractors, to all their home warranty customers.
In order to make the most of the significant market that exists, it is never enough to know the technical know-hows of how to repair electronic appliances but you should also be ready to expend a part of your revenue into marketing your brand.
Another reason it is beneficial to work with a Home Warranty company would be because it guarantees continuous work, and you are less prone to be out of work on a not-so-profitable season. With increasing work calls from the Home Warranty Company, the more chances you have at expanding your brand, either by hiring new technicians or buying new work-enhancing technology. With this sort of reliability, you could be fixing an AC and heater at any time of the year.
This can also prove beneficial to the Home Warranty company too as the contractors provide good reviews of the companies they are working with, increasing their chances of contacting them again or even spread goodwill by word of mouth.
When you decide to take on this relationship with a Home Warranty Company, it is also important for a Contractor to remember that he/she must be efficient in receiving calls from customers, who are directed from the Home Warranty company itself. Customer service is the lifeline on which the success of Contractor business can rely on, especially in the case where you are working with a Home Warranty Company where all your customers are directed from the contact number you provide the company.
Joining bigger Home Warranty Companies can give you a form of exclusivity if one outperforms all the contractors a company has hired. This will allow you to appear at the top of their list of contractors, especially if they provide reviews’ section.
Almost all leading Home Warranty Companies offer online applications which you can fill up in your leisure time and submit with all the relevant information typed in.
Some of these leading Home Warranty Companies include,
The customer reviews’ section within our own website can also be found for some of the top rated Home Warranty Companies like American Home Shield, The Home Service Club, Secure Home Warranty, America’s Preferred Home Warranty-APHW, Select Home Warranty and First American Home Warranty (also picked as 2017’s Editor’s Choice, a brand new category introduced this year).
However, all contractors are requested to review the home warranty companies they’ve worked with on an exclusively dedicated space called the Vendor’s Area. Here, one can dish out all the good and bad experiences one’s had by taking up the jobs given by the home warranty companies.
Some of the benefits to the contractor by working with a Home Warranty Company like above, in addition to the ones already mentioned, would be:
Renowned Home Warranty Companies also help their contractors in times of need, which include an experienced support team and a high limit on calls. Companies like Home Warranty of America also helps Contractors claim costs.
Before filling up your application form to become a Service Contractor, it is a necessary step to license your contractorship. Every Home Warranty Company expects the Service Contractor they are about to work with are certified contractors with a license and hence you are required to fill up your license ID in the application form.
Also you are required to fill in your Auto Insurance Policy Number, and your General Liability Insurance Policy Number (optional). Insurance Policies are in your own interest, hence even if some of them are optional we recommend you create one if absent.
Diversifying your skills can also be very beneficial before applying for a Contractorship with a Home Warranty Company. As you fill up your application, you are asked of your specialization and hence learning new skills can help you strike off more blanks, increasing your popularity among the reviews and consequently help increase your revenue.
Consistent work can be guaranteed when you are able to juggle with different kinds of repairs be it plumbing, garbage disposal, weed/lawn mowing, ceiling fans, gas fireplace or septic system. These numbers can go up to a hundred so a little bit of extra skill can only put you so much ahead of the rest of the contractors.
If you are looking to expand your presence in contractorship, applying to work with a Home Warranty Company is the best as it can get. You can save and earn more at the same time, a chance usually deprived for those working outside of these companies. There are many ways you can utilize such an opportunity, more so as there are numerous Home Warranty Companies and your chances at getting in at any one of them aren’t nearly dim. Go ahead and fill your applications now!
Our portal also lets you access some of the most sophisticated lists of best home warranty companies, ranked on a various different criterion. This is, in addition to the Complaint Resolution Program (CRP) and Home Maintenance Calculator. Be sure to check them out!
Undoubtedly, consideration of best home warranty is the first step towards feeling confident about your purchase on
safeguarding your appliance.
Many things contribute to a great service experience.When insured and covered appliance breaks down or any item needs to be repaired, then a home warranty contractor comes into the picture to provide the best service.
These home warranty contractors have pre-arranged agreements with home warranty companies to provide the services.
Home warranty is a service contract which promises to repair or replace your appliances once a contract is made and certain amount is paid. It is a protection plan for all your aging appliances provided they meet the pre existing conditions specified in the contract.
Home Warranty coverage policy covers all major appliances like heating, air conditioning, plumbing, electrical, kitchen appliances or any other expensive units. Either seller, real estate agent would buy the warranty and provide it as additional benefit or the home owner alone can purchase the warranty which is worth having.
If you are not sure what kind of coverage you want, check out the article – how to choose a home warranty protection plan
Generally speaking outdoor items such as sprinklers, faucet repairs are not covered under all plans check with it, not all plans pay for refrigerators, washers & dryers or garage door openers, spa or pools unless specific coverage requested.
Contractors are required to get the approval of the warranty company before carrying out the repair work. Sometimes the home warranty company may decide to deny the coverage due to pre-existing conditions clause or due to maintenance negligence reasons.
You have rights to negotiate the coverage, but sometimes small print clauses in the contract puts you in difficult situations. Hence you need to be aware of what your home warranty should cover and also very important to know what is excluded or not covered under the policy.
Your claim may be denied if the insurer determines that you have not maintained your home properly. Improper installation, code violation or any unusual pattern of wear and tear may lead to rejection of your claim.
To get contractor assistance for service, you need to contact the warranty company to arrange for a service call. Once it is processed, service team will arrange one of the contractors on their list and ask them to contact you and schedule a convenient time to come and resolve the issue which involves a service charge.
If the service provider is unable to fix the problem, then it is Warranty Company’s duty to replace the item. Replacing the item normally depends on the coverage plan of the policy.
Communicate with your home appliance warranty company in case of any dispute with the contractor. Home warranty contractors are being paid by the insurance company and work as per their instruction. Hence check with the contract policy terms and conditions.
Note the name of the person you spoke with, the date and a summary of what was discussed. Your notes should include the date and time of the communication, whom you spoke with, and your understanding of what was discussed regarding the denial of your claim which will help you in future correspondence and quick resolution of the issue.
In some rare cases, home warranty companies do not pay their dues to contractors. While reputable companies always honor their commitment, there are some shady companies that operate in the grey area. In such cases, contractors may approach the homeowner for payment. As your contract is with the home warranty company, you are not obligated to pay the contractor. However, make sure you do not sign any agreements with the contractors to cover such payments.
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.
Most homeowners are quite concerned about maintaining their household appliances in good working condition. Any homeowner worth his salt will admit that it is no easy task. Hence it calls for some expertise in the form of appliance maintenance plans. What confuses homeowners is the fact that there are so many appliance maintenance plans out there and they end up wondering which ones to sign up for!
Here’s an article that’ll help you decide what plans you need to buy to ensure smooth running of your household appliances, while going easy on the pocket too.
There are quite a few things you need to consider before you decide whether or not you need an appliance maintenance plan.
In short, folks who have old appliances, lack DIY repair skills and sufficient money and do not have a trusted contractor should purchase some form of protection for their household appliances.
Let’s make this easier for you. An HVAC maintenance plan covers only heating, ventilation and cooling units. A basic home warranty plan covers all the major systems and appliances in the home which includes HVAC units and other appliances too. In simple terms, the coverage is often more for home warranty contracts.
Let’s take a look at some of the common advantages
Now let’s take a look at the advantages separately
Advantage of HVAC maintenance plans:
Advantages of Home Warranty plans:
Who needs an HVAC maintenance plan?
The U.S Dept. of Energy advises having your HVAC systems checked at least twice a year. This could be expensive for some.
Homeowners whose homes are aged should definitely think about purchasing a home warranty plan. It covers more than just your HVAC units. Ideally, following are the types of homeowners who need a home service contract:
Although most home warranty plans include coverage for HVAC units, the services are not as extensive as provided by an HVAC plan built specifically with heating and cooling needs in mind. If you feel that you are okay with basic coverage, then it would make more sense to go for a home warranty as your other appliances get protection too. Another option (safer one) is to buy a home warranty plan that covers on general household appliances and electrical systems and then to top it up with an HVAC plan. It may cost a little more than just a single plan, but it will be useful in the long run.
Yet another vital thing to do is to get your HVAC appliances get checked by a professional at least once a year. Regular maintenance checks are often helpful in diagnosing problems at an early state. Hence, no matter what the age or the make is, annual maintenance checks are a must for every HVAC appliance/system.
You can also read about Home Maintenance Tips on our website. We host several articles that explain the maintenance regimes for various household appliances and systems.
Remember, no matter how much thought you give into deciding a plan, if you don’t take the same effort for picking a reputable company, it may disappoint you. Always, we repeat, always select a trusted warranty provider and do sufficient research before you sign the contract. You can visit websites like ours, HomeWarrantyReviews.com, to see reviews and ratings about various warranty providers. Our website provide readers with reviews from genuine customers who are more than willing to share their experiences with others.
When you look at the words most often used in emotional complaints about home warranty companies you may find that “scam” is a very common term. But if you look very closely at the home warranty industry it’s hard to find evidence of a scam rooted in the established home warranty companies.
Though homeowners are not always happy with the speed or manner of the response to their claims it takes more than just complaints to make a true scam. So are there no scams in the home warranty industry? My personal opinion is that there are plenty of scams and if you look back you’ll find plenty more in the past. Does that make the home warranty industry unique? I definitely don’t believe so. Auto insurance, health insurance, home building, government, religion – you name it, there have been scandals and grounds to throw words like scam around. A home warranty is not unique in that it has unhappy customers. Show me an industry without unhappy customers and I’ll be the first to change careers. But like I mentioned before, home warranty customers have been victimized and are probably being victimized even today.
Spotting the scams and the companies that are not operating with the best interests of their customers in mind is the very first priority. This is where homeowners and legitimate home warranty companies can work together. Real estate agents, home repair contractors, home inspectors, and many other professional and customer advocacy groups can also help to point out the signs that home warranty companies are not doing what is right for their customers.
How can homeowners identify home warranty companies that are likely to be scams or just not be doing what is right in terms of their commitments to customers? There are a few basic approaches to getting a good read on a home warranty company and all of them involve some time spent doing homework. What this comes down to really is customers taking their time and not making impulse purchases of home warranty contracts. And during that period of finding out about a home warranty company here are some things homeowners would be wise to look out for:
It’s difficult to predict what sort of stunt criminals will pull tomorrow but in terms of what scams I’ve heard of up to now, here are a few. The names may be funny but the financial losses and wasted time on the parts of the jilted customers are nothing to smile about.
This one involves a company that isn’t a company at all. It has none of the financial depth that is required to cover the costs of handling repairs and replacements when home warranty customers file claims. In fact, these companies rarely have a real office and follow the same pattern almost every time. They deny all the claims they can, approve the ones they can’t but then don’t pay anyone for the work performed, and then when frustrated customers cancel they promise refunds which they also fail to pay.
These companies oftentimes pay their contractors and approve returns but do so in such a way as to gradually put the company further and further behind on various debts. While they do this they use positive customer reviews to attract more customers and also spend a great deal on advertising in some cases. By the time they become fat with customers and reach their peak they’ve already bankrupted the company through poor management. The customers who are holding new home warranty contracts the day the company finally sneaks out its back doors and turns off the phones are the ones who get hit the hardest. Sometimes this type of scam leaves a long-term trail of customers who don’t find out their contract is worthless until they attempt to contact their home warranty company’s customer service center. This grab-the-cash-and-dash routine has burned many, many homeowners over the years.
Some people who found bad home warranty companies get away with their misdeeds or only receive a slap on the hand that holds the checkbook. They then go on to start other home warranty companies using new company names and sometimes using different people as the officers or owners of the company. By disguising themselves they evade the public scrutiny that would otherwise stop their scams cold. Homeowners caught up in the web of these characters can count on denied claims, shoddy work, unpaid contractors pursuing the homeowner for debts the home warranty company owes payment for, and many other unpleasant circumstances.
For the sake of other consumers, friends, and the home warranty industry where companies work diligently to satisfy their customers, any homeowner who feels that a claim was handled unfairly or that there are signs of misconduct on the part of their home warranty company should not remain silent. All too often home warranty companies give the overall industry a bad name with their poor handling of claims, contractor relations, or other important areas of their businesses. And in the case of true scams, more often than not, the people behind the scams only get away with what they do because it takes so long for anyone in a position to stop them from realizing what is happening. As consumers realize their options to use government offices, social media, and word of mouth to sound the alarm about bad home warranty companies it will become more and more difficult for new scams to find victims.
This is a guest article written by Kevin Wallach. As owner and writer at CompareHomeWarrantyQuotes.com Kevin spend a great deal of time collecting information to help his readers better understand home warranty plans. Though home warranty is not the most popular topic online, it does mean a lot to homeowners who need help with questions about it.
Life is certainly unpredictable, you cannot control the outcome but surely can prepare yourself through careful planning and minimize the risk and be on the safer side. Insurance is one such protection mechanism which covers major expenses with an understanding that you will pay a smaller fee as a premium.
An insurance is a contract in which an individual receives financial protection or reimbursement against losses from an insurance company against the payment of a premium.
We have an inherent need to protect ourselves and our family, so why not buy insurance and secure the unknown future. According to needs you have various insurances. Some are a must while others are worth. Here is a quick tour into the world of insurance policies.
As the term suggests you are insuring your life with a certain amount. It is an insurance that pays out a sum of money either on the unfortunate death of the insured person or after a set period.
It is a type of insurance coverage that pays for medical and surgical expenses that are incurred by the insurer. Health insurance can either reimburse the insured for expenses incurred for illnesses or injury or pay the care provider directly.
It is an insurance for all your automobiles against theft and accidents.
A home warranty is a contract for repair and replacement of major home appliances such as refrigerator, washing machine, garbage disposal etc. on payment of a premium.
This insurance covers the home including the structural elements as well as the valuables inside the home. However, you can claim this insurance only where there is a natural disaster such as flood, fire etc. Please note that this does not cover the appliance repair and replacement costs.
Often Home warranty and insurance are thought to be similar but they are completely different in the coverage they provide. Home insurance is a must to have whereas home warranty you can choose to get.
When it comes to insurances you have a plethora of options to choose. From travel insurance to disability insurance etc, you can choose and plan according to your needs. All insurances have advantages and disadvantages but insurance no matter which protects your peace of mind. While buying insurance always make sure to do a background check of companies you are dealing with and read the reviews and fine print thoroughly.
Click here to check for Home Insurance and warranty companies.
Future is unpredictable yet securable therefore get insured stay assured.
If you are someone trying to sell your home at the best possible price, you’ve landed at the right place! Many homeowners face a lot of hurdles when trying to sell their property. We understand that it can be difficult especially if potential buyers start low-balling the price. In today’s times, it sometimes makes sense to hire a real estate agent specializing in selling homes to make sure that your home gets the right buyer. However, picking the right real estate agent could be a task in itself.
We’ve got some great ideas about how to sell homes faster. Take a look at some of the points discussed below to know more!
While the sentence sounds simple, a lot of effort goes into making a home look warm and inviting. Here are a few tips you could try to liven up things –
Before you conduct the open house, you can consider hiring a stager. Stagers are folks specialized in setting up your home to make it look extremely pleasing to the eye. However, if you’ve got a knack for things like this, we’re sure your skills would be more than enough.
Make sure everything in the house is functional. Which means you’ll have to check for leaks, faults with inbuilt appliances and even a pest control drill may be necessary in some cases. Most buyers will opt for a home inspection prior to making a purchase and if multiple faults come up in the home inspector’s report, there’s a good chance that they’ll cancel the deal.
Also, make sure that the windows are sparkling clean and broken light bulbs/ fixtures are replaced.
Some studies reveal that offering such a plan would not only sell your home faster, but an appliance warranty may actually increase the sales price of the property by an appreciable value. Many home warranty providers also offer seller’s warranty which is an ideal option in a scenario like this. While you may be offered suggestions, we recommend that you read and compare top home warranty companies in your region.
Also, since most plans are transferable, you can simply transfer the plan to the new owner once the sale is finalized. Many real estate agents strongly recommend offering an appliance warranty to the buyer as it not only fetches the house a higher price, but also reduces the liability of the seller and the agent. If and when an appliance related issue occurs, the buyer would call the home warranty provider and not the seller/agent.
How the house is presented to a potential buyer is a major factor which decides whether a buyer develops an interest in the property or not. If you have hired an agent, step back and let the agent show the clients around. Agents do this for a living and so they would know how to do it best. They also know what to highlight, what not to stress on and how to tackle tricky questions that may come their way.
All of this will not be possible unless you have a killer agent. Do ample research, meet many agents and ask around before you hire one to represent your home. You may want to read about how to pick the right real estate agent for you.
Lastly, price your property correctly. We cannot stress enough on the importance of this one. If you price it too high, most folks won’t give a second glance to the ad. Price it too low, you’ll leave potential buyers wondering whether your home has some serious issue (or worse, haunted).
A real estate agent would be the right person to guide you on how to price your property. Several things go into deciding the value of your home – locality, age, square footage, amenities, proximity to schools/hospitals etc. You may want to look at listings in your neighborhood to find out an approximate value.
This proverb is more true than you’d think, especially in real estate dealings. If buyers don’t like the property at the first glance, they may not give it much consideration. Keep this in mind during every stage of the sale. We would strongly recommend that you consider offering a home warranty along with your home as the benefits are just too hard to ignore.
Real estate dealings can be hard to many, but as long as you have the right agent and the right support, it should leave both parties happy. We hope your property sale goes well. Good luck and thank you for reading this article!
An offshoot of Home Warranty, Structural Warranty is a legal agreement between the builder of the home and you – the owner. Structural Warranty functions basically in the case of new homes, wherein the builder assures that the home he has built will have no structural defects for a period of ten years after its construction. His claim is covered by the company which offers him warranty coverage for the building, at times additionally including workmanship and internal systems.
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.
If you are shopping for a home warranty, also called a home service contract, and you live in Florida then you probably know you have lots of options. But how do i find the best home warranty companies in Florida? What are the top rated companies in this state? These are valid questions. Let’s get down to answering them.
Florida is often called the sunshine state, and this is justified by the weather there. Orlando, one of the most popular vacation destinations in the U.S., typically still sees high temperatures near 80 degrees Fahrenheit in November, according to weather website, Intellicast.com. Warm climates like that can really push air conditioning systems to the limit of the systems’ optimal performance standards.
Running the A/C year round results in much greater wear and tear and more frequent maintenance requirements. What does this have to do with choosing a home warranty company? Well, if your home is located in one of the warmer parts of Florida then your air conditioner may be one of the most expensive pieces of equipment covered by your service contract. So it’s important to choose the company that offers you the best coverage for that system.
HomeWarrantyReviews.com ranks companies based on user feedback. And that’s important because it means you’re getting honest evaluations rather than biased ones based on how much the home warranty company pays to the reviewer. In the state of Florida here is the list of top companies based on the current standings on the website at the time this article was written (September 2015).
Chances are you’ve considered some of these companies during your search for a home warranty company. As top companies in the home warranty industry these are names that you’ll see in many states and regions in the country. But yours isn’t just any state. If it was it wouldn’t be a magnet for retirees, beach goers and vacationers of all ages, would it? As a Florida homeowner you need to know that the company you choose will come through for you when the temperature inside your home is equal to the temp outside. Let’s focus on air conditioning for a moment.
AHS has loads of positive feedback in their recent reviews, but two in particular stand out. During the month of September two customers rated AHS five stars for air conditioner repairs. One customer remarked that when AHS found that all of its contractors were booked to help other customers the company told the homeowner to call any local contractor who could do the work on short notice. That sort of customer service could possibly mean the difference between your air conditioner being fixed quickly or waiting days for a qualified technician to be available.
HSC also has some very positive review comments and ratings from consumers who specifically mentioned the air conditioner as the reason for the service call. In one review the homeowner remarked that the repair to the air conditioner would have cost a fortune if not for the service contract from HSC. While this may seem like anecdotal feedback, it’s important to note that not all companies reviewed on HomeWarrantyReviews.com have positive feedback from customers who had problems with air conditioning systems.
This company has some very positive reviews from customers whose air conditioners were serviced recently. Not one of the recent air conditioning related reviews had less than five star ratings.
In recent reviews for HSA Home Warranty there are three extremely positive reviews involving air conditioning system repairs. The customers not only were happy with the repairs but also with the speed with which the repair technicians were sent out by the home warranty company. With air conditioning being so important, the time it takes to get a technician to the home is one of the most important aspects of home warranty services.
Out of six recent reviews which specifically mention the air conditioner being the reason for the service call, five of those are extremely positive. The one dissatisfied customer was upset due to a problem with the expiration and renewal period of the home warranty.
HWA has six recent reviews that involved air conditioning. While it’s possible that even more of the reviews involve air conditioner issues, we will focus on these six. Five of the six reviews were highly positive, all earning the maximum number of stars from the reviewers. The one unhappy customer was a landlord who felt the technician sent by HWA did not make the correct judgement regarding the problem with the air conditioning system problem.
It’s not coincidence that these first three companies have overall high ratings from customers in your state and in other states. And though the companies deserve credit for the satisfied customers it’s important to note that the contractors they work with are also a big part of those good customer experiences. That leads us to the next point to consider. What type of contractor coverage do these companies have in your area?
If you live in a densely populated part of Florida then chances are any of these top rated companies will have sufficient contractor coverage to cover any repair needs that arise in your home. But if you live in a more rural part of Florida you’ll want to keep in mind that each contractor network is different. Be sure to ask about the local contractor coverage when you speak with a company about a home warranty price and coverage quote. And also be sure to ask if the company will allow you to choose your own contractor in the event the company’s network contractors are unavailable to help you or don’t have the right skill set to fix whatever is broken.
The good news is you live in a state with lots of great companies to offer you a home warranty. The bad news is you may have a hard time choosing a company due to all the options available. If that should happen then be sure to come back here to read the most current reviews for each company you are considering.