I got insurance on my home with HWA, Home Warranty of America. Every year I have my A/C serviced as part of my regular maintenance on my home. Everything was fine, and he gave me a half pound of freon.
In July, I had a problem. They came out and did not find anything, but the freon was low and they filled it up. In early September, I had a problem again, and they gave me a new screw and some freon. Yesterday I had somebody come again, and I had a big problem, and they will not cover it. It is now called pre-existing.
I explained to HWA that nobody ever mentioned it to me. Surely the qualified and licensed people they send me would have noted a problem. Surely they would have written on the bill that there is a problem. Perhaps by not putting it in writing, that would prove it is not pre-existing.
Coming to find out, HWA is known to cheat, steal and be dishonest. As long as they get your money, they will continue doing it. Stay away from them, run as fast as you can, and hold on to your cash.
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