We purchased the Ultimate Protection Plan for my daughters house, because reading through the coverages, it appears to be a very good plan.
Shortly after moving in, the A/C stopped cooling, she called ORHP, and they gave us a number to call to have a repairman come out, she paid the TRADE (SERVICE) CALL FEE (TCF), and the repairman came, and just added freon to the unit, without looking for a leak. I told her to plan on calling them back before long, as you don't add freon, without finding where to original freon went and repairing it..
A few weeks later, as I expected, the A/C quit cooling again, she called the repair company, and they sent out a different repairman, who diagnosed the evaporator coil would need to be replaced, and was told they would notify ORHP.
Shortly after that, my daughter received a call from ORHP, telling her that she would have to pay $400 for the repairs, as the A/C company said the coil was no longer available, and they would have to "re-house" the coils, when she called me, I assured her that all that should be covered, as I had read the plan a few times before we purchased it, and it upgraded to the Ultimate Protection Plan, to have the additional coverages it offered.
I personally called ORHP to talk to them, and was told that under the Limitations of Liability, section 2-4 states The cost of construction, carpentry or other modifications made necessary by existing or installing different equipment is not covered.
I pointed out that it states in the A/C section that it says we will replace any covered component as well as modify the plenum, indoor electrical, air handling transition, and duct connections, as necessary, to maintain compatibility and operating efficiency as required by the manufacturer of the replacement unit.
THIS is where I see them as being purposely deceptive, I'm familiar with A/C systems and never caught it when I was considering the purchase of their home protection plan for my daughter... All the stuff that could be needed when you have to replace a evaporator coil, for an A/C system is listed as covered, like I posted, HOWEVER, it is only covered IF YOU REPLACE THE CONDENSER, if you know anything about Air Conditioning systems, the condenser is outside of your home, if you have a split system or a heat pump, that's right, if you replace the condenser outside your home, they will cover the necessary changes INSIDE your home, and in this way, just reading their policy coverages, the things you are looking for that may need to be covered if you have an A/C problem are listed, BUT they would likely never have to pay for the them as you would never need to modify any of the listed covered items under the circumstances they are covered for.
0 comments