Warning - Do not use Select Home Warranty - They will not cover your appliance failure costs, and they will be very difficult to work with.
My story:
Purchased a 6-year-old home, and as a part of the transaction negotiated a Home Warranty to be included, paid for by the seller.
The seller provided us with "Platinum Care" one year Home warranty which the Select Home Warranty marketed as a "shield your wallet" product. Platinum care is the highest level of coverage sold by Select Home Warranty.
7 months into our ownership of the home, when we shifted from using the HVAC system from heat to cooling, we started getting a Error Code 86 showing on my thermostat, and the system could not keep the house cool. I called the Select Home Warranty number, 855-267-3532, and was instructed by a recording to file my claim online at selecthomewarranty.com. I completed the on-line claim form and waited for a response.
In the meantime, I contacted the HVAC company that had originally installed the HVAC system (there was a sticker on the unit in the garage), and I had them come out and assess the problem. The HVAC repair company identified three different problems: 1) the outdoor condenser unit needed to be cleansed, 2) the freon level was low and needed to be recharged, and 3) the communications board had failed and needed to be replaced. It took several weeks for the replacement comm board to arrive. I worked with the HVAC repair company to get the cost of the comm board part covered under the original equipment warranty. So, they charged me only for the labor of installing the new comm board. When everything was said and done, I paid a bill for $1,007.50 from the HVAC repair company.
Having not heard back for Select Home Warranty for 2 months after I filed my initial claim, I called the 855-267-3532 number again, and waited/insisted on speaking to a live person to find out what the status of my claim was. The representative that helped me first told me that she could not find any policy written for my property - even though I was holding an invoice from them with a copy of the check paid by the title company in my hand. She tried several times to find the policy using different numbers, and then told me that because she could not find a policy, she could not help me and that I needed to hang up. I asked her to transfer me to her supervisor. She informed me that since I did not know the policy number, that she could not transfer me to a supervisor. I asked her what my next steps would be and what she expected me to do with this situation. She said she could not help me. full stop.
Finally, the rep asked me for the invoice number that I had in my hand. I read her the number and she said "oh, that's the policy number!" I'm thinking to myself: how could you be blowing me off a minute ago, and now you have my policy number from the invoice we discussed 10 minutes before... The rep then proceeded to tell me that she found my original claim in their data base. When I asked why I had not been contacted (I provided phone and email address on the on-line claim form), she had no answer. She transitioned the conversation to what the problem had been with the air conditioning and what I had done about it. I told her that there had been three problems identified and that I had them fixed. Now, all I needed was to be reimbursed for my $1,007.50 expense. She told me that I would be receiving an Email with instructions in it on how to scan and send a copy of the bill I had paid for the repairs the HVAC system.
Within a few minutes after I had gotten off the phone with the SHW rep, I received 2 emails from SHWclaims stating: "We thank you for contacting us with additional information regarding your A/C, Cooling claim. We are in the process of finding a local technician to come to your home to diagnose your A/C, Cooling. This process usually takes up to 48 hours, and an email will be sent to you with the Technicians information." I'm thinking: "this is unbelievable. Do they not understand the problem has already been fixed?"
After thinking about it, I decided to respond to the email summarizing the already completed repair status, attaching my expense invoice, and again asking for reimbursement of the $1007.50 that I was out of pocket on the AC system repairs.
A few days later, I received an Email back from SHWclaims stating: "After a Review of the diagnosis concerning the specific issue with your HVAC system, your unit does need Freon. It has been determined that your Policy Does Not Cover this issue, the HVAC system needs Freon and unfortunately Freon Recapture is not covered by your policy. Please see section 6.3.6 of the policy agreement." I'm thinking to myself: 1) I was not aware that there were any repair limitations, aside from possibly a deductible, and 2) what about the other two problems that were not freon related? How can you send me an email only addressing freon when there were multiple problems listed on the repair invoice?
So, I sent back another Email to SHWclaims summarizing the status of the claim and asking about reimbursement for the non freon related issues. within hours I received an Email back asking me to call the SHW number to discuss my claim over the phone, which I did. The SHW rep informed me that in addition to freon not being covered by the warranty, that cleaning of the coils was not covered by the warranty, and that labor required to replace the failed comm board was (you guessed it), not covered by the home warranty they sold. She quoted me subparagraphs in the policy (a copy of which I had never received from the title company or anyone else – whose fault that is, I don’t know.)
I informed the representative that I felt it was FRAUD for SHW to market a home warranty with the catch phrase "shield your wallet", that doesn't cover the costs of repair when the system clearly failed. I had their "Platinum Care", top of the line policy, and I have nothing in terms of coverage. So, now that this company has exposed who they really are, I want to get the word out, so others don't buy this worthless policy.
I also want to comment that SHW strategically makes it very difficult to communicate with them by using on-line claim submittal forms that aren't responded to, sending vague boilerplate emails, and having call center reps who stonewall and can't answer questions. At one point the SHW rep told me: "we've already provided resolution for this claim", to which I said: "your resolution is to pay me nothing", and she said "yes". I told her this was NOT a resolution. Clearly, they are trying to get claimants to give up and just go away.
SWHclaims: if you are reading this, refer to claim# 02335991. You will see what I've reported here is in your files under this number.