We have several properties, and for the last two, we chose HWA Home Warranty on the realtor's recommendation. We had an issue where the heater did not output any heat. They sent the most incompetent contractors, and I found out from them that it is because HWA pays peanuts, so they send their rookies to work on it. If it is too hard for them to fix, they just take your $50 and tell you to have HWA send a different trade. For example, we had a home heater issue, and they said it was a water heater issue. Then the water heater technician came out and said it was a home heater issue. The other problem is that these are low-dollar calls for the contractor, meaning low-priority calls, so we wasted four to five hours with each vendor waiting for them to get there. How many days can you afford to take off work to wait for a guy who will take $50 and not do anything?
So we are out $320 for the policy, which we just canceled, we are out $50 to an HVAC company that cannot fix a heater, and we are out $420 that we paid a guy who was recommended to fix it. After a lot of calls, I finally got them to agree to give us our $50 back. They explained all the money they would deduct from the $320 we paid them, including a bogus $30 fee and proration, blah, blah. I requested an arbitration hearing per their contract, and they just ignored me.
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