I have been a "customer" for Fidelity for about a year. It came with my house that I purchased. I first called them to inquire about the service and was told all these great things about the coverage. When it came time to call them for service, they had no problem sending out some random guy from a never heard of company and taking my 50.00 deposit. But it was clear that nothing was ever covered. We wanted a leak inspection, they sent a plumber who had no equipment whatsoever and he said that he was sent since he needs to be sent first before a leak detection company was sent. When my pipes were not working, they sent someone only to tell us he could not do anything since Fidelity did not cover services that required going on the roof.
I have other examples, but the worst part about their company is the absolute rudeness and arrogance of the staff. As soon as you get on the phone to discuss why something was not covered, there is this tone of superiority that I cannot even describe. They speak to you as though they are a service technician expert and a contract attorney paid to argue against you, when in reality, they have no idea what they are talking about. They try to speak in technical terms when really they have no training in that field... Only training in sounding like they know what they are talking about.
It came to a point in the conversation where I asked, "Well, are you a plumber? Do you have any training in plumbing? Have you ever worked with a plumber? Have you read any books on plumbing?"
I am an attorney and work with hostile people all day. I have been in situations where people were going to prison for 30 years and they had a better disposition than this company. Fidelity Warranty staff is the most hostile, impolite, and arrogant staff I have ever come across in my entire life, both professionally and personally.
They tell you about all this great coverage, but the second you try and get something, it seems that their sole job, their sole reason for picking up the phone, is to tell you why you are not covered.
Bottom Line: The actual problems they cover are small and would be cheaper to fix yourself than to pay $50.00; They send people from non-reputable companies who have little interest in helping you; Their staff is arrogant and hostile. Contract at your own risk!
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