[quote=sreeb]I have also found the home warranty companies hard to deal with.

When we bought the house our home inspector evaluated the dishwasher as servicable.

Six months later the diswasher rusted through and their inspecter denied the claim as a preexisting condition.

The inspector/clains evaluator was the same guy!!![/quote]

My recollection is that almost every claim we made was initally denied for some reason or another. I suspect that is their standard MO. Deny all claims. Never had to bring in an attorney, but aggressive phone calls and sternly written letters with quotes from the actual policy document (or brochure in some cases, where there was a conflict) almost always got the initial denial reversed. It was obnoxious, annoying and frustrating, but my pool heater (or maybe filter) was the only claim I couldn’t get covered because of a specific exclusion. The next year I added the pool and got it paid for. (That may have been the year I changed companies.) I did get a waterfall pump covered, despite the pool exclusion, even though the waterfall emptied into the pool.

Funny thing was, after changing the companies, the company I left called at least a dozen times trying to get me to switch back to them, despite having paid out in claims at least double the premium amount every year.