Regarding requests following an inspection

[SK in CV]

[quote=sdrealtor]You should have no problem getting a 1 year home warranty. It is very standard and actually a bit surprising that it wasnt part of the original offer your agent wrote.

[/quote]
This is exactly what I was thinking. If the seller won’t pay for it, pay for it yourself. Make sure you get a policy that covers the HVAC system. Read the fine print. If it requires that you do the recommended maintenance, then do the recommended maintenance.

Last house I bought, I renewed the policy every year until i sold a few years ago. It paid for 3 pool pumps, dishwasher, garbage disposal, water heater, AC, furnace, trash compactor, double oven, in addition to a bunch of more minor repairs. Actually switched companies after a few years because the first was so hard to deal with. Turns out that the 2nd was just as hard to deal with but I don’t think a year went by that repairs that it paid for weren’t more than the annual premiums.

[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!!!

[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!!!

[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!!!

[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!!!

[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!!!

[SK in CV]

[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.

[SK in CV]

[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.

[SK in CV]

[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.

[SK in CV]

[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.

[SK in CV]

[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.

[SD Realtor]

Could not agree more about issues with home warranty companies. For major claims they will fight tooth and nail. If the furnace dies and they ask you to send the physical inspection report and you send it and that report notes the furnace was on its last leg then you could have the claim denied.

I would pursue this issue in an alternate matter then relying on the home warranty company.

That is just me though.

[SD Realtor]

Could not agree more about issues with home warranty companies. For major claims they will fight tooth and nail. If the furnace dies and they ask you to send the physical inspection report and you send it and that report notes the furnace was on its last leg then you could have the claim denied.

I would pursue this issue in an alternate matter then relying on the home warranty company.

That is just me though.

[SD Realtor]

Could not agree more about issues with home warranty companies. For major claims they will fight tooth and nail. If the furnace dies and they ask you to send the physical inspection report and you send it and that report notes the furnace was on its last leg then you could have the claim denied.

I would pursue this issue in an alternate matter then relying on the home warranty company.

That is just me though.

[SD Realtor]

Could not agree more about issues with home warranty companies. For major claims they will fight tooth and nail. If the furnace dies and they ask you to send the physical inspection report and you send it and that report notes the furnace was on its last leg then you could have the claim denied.

I would pursue this issue in an alternate matter then relying on the home warranty company.

That is just me though.

[Author]

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