I bought a home warranty as a first-time home buyer. The refrigerator died. I filed a claim. They advised me to call their chosen technician "A-ONE" (doesn't THAT sound dodgy?!). Had to pay the guy $50. He looked at the fridge. Didn't pull it out or examine any part of it. Wrote the report saying the compressor died. He told me they'd definitely just pay for a new fridge for me.
A week passes. I called to follow up, and they'd denied my claim based on "additional information" he provided in a follow up call that HE initiated. Apparently he made up some stuff about a "clogged" condensor (i.E. Blaming me for not cleaning it or something—though he would not have seen anything just glancing at the appliance). So obviously, HMS and their assigned technicians are in cahoots to deny every claim.
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