DO NOT BUY - FIND ANOTHER COMPANY!! Positive reviews are fake.
Negative Million Stars - On 04/25/19, I filed a claim on salt water pool equipment not working over the phone. Claim rep went over the exclusions, took the info assigned a claim # via email, assigned a pool company to come out via email notification. Pool company did not respond, so Select told us to find a pool company on our own. We got a quote on 05/09/19, emailed them. Had the pool person call Select. On 05/15/19 I got a call from Sam (female) letting me know that my claim has been denied the reason being that it was on the list of exclusions in the policy, I said I would like to appeal, who do I need to talk to - name and direct #, she would not provide me with that. I requested a copy of the policy since the exclusions was read to my husband when he filed the claim. She assured me that I would receive the policy by end of that day (05/15/19). The same day we got an email to call them - they told my husband the same reason for denial - the issue is on the list of exclusions. I responded to the email requesting everything in writing (we had a previous claim denied and we received an email stating the that with a reason), so I wanted something in writing. From 05/15 until 06/03 of 2019, I sent in 2 more email requests for copy of policy - no response from the company.
Background: September 2018, I purchased the PLATINUM CARE package for $669.99: A/C Cooling , Heating System, Water Heater, Electrical System, Ductwork, Refrigerator, Plumbing system, Plumbing Stoppage, Microwave Oven (Built In), Stove/Oven, Clothes Washer, Clothes
Dryer, , Garage Door Opener, Garbage Disposal, Dishwasher, Cooktop, Ceiling. Additional Options Selected : Roof Leak , Pool, Spa , 2nd AC unit . The additional options was added over the phone with a Sales Manager named Belinda, she asked if my spa was in ground or above ground, she did not ask about the pool or offer additional pool coverage.
On 06/04 James W contacted me after I filled a complaint with BBB to let me know that since my problem is with a salt water pool and I never disclosed this on the policy, my policy does not cover salt water pool, BUT for only $69.99 I can add it to my coverage. Until the day that I talked to Mr. W, no one told me I needed additional coverage for a salt water pool or that my claim was denied because it was a salt water pool. Between my husband and I, we've talked to Select over a dozen times in the last month and a half and no mention on lack of coverage. As you can see from the coverage above that I've pasted from invoice, I have pool coverage.
Mr. W's response to the BBB was that I didn't disclosed the salt water pool, therefore I had no coverage. But for only $69.99 I can add it. Interesting interactions:
1 - Sales Manager (Belinda) who took the sale didn't ask about pool system to try to up sale the additional coverage; but she remembered to ask about the spa(in/above ground). I am fairly certain they work on commission, so up selling would make sense.
2 - Underwriting didn't inquire when they wrote the policy
3 - Claim didn't know about it to tell me I did not have salt water pool coverage - assigned a claim #, assigned a pool company, talked to the pool person.
4 - Claim did not send an email that my claim got denied, like on my previous claim. Even after I requested everything be done in writing, because we were read the exclusions on our initial call to file the claim on 04/25 - conflicting information.
5- Requested policy to pinpoint the exclusions list that Claim rep stated the reason my claim got denied was that it was on this list - no response - made 3 requests.
If I was initial told on 04/25 when I called to file the claim that I needed a salt water pool coverage then we would not have wasted all this time and energy. The company will try to find any loop hole to not pay for claim that is covered (in this case up to $400 for an estimated $1500 repair). It is like telling me, your pool coverage is for up to 5,000 gallons of water, but you have 10,000 gallons pool, it requires extra coverage. Or you didn't disclosed you had a front loading clothes washing machine, you only had coverage for a top loading one. Loop holes after loop holes.
DO NOT BUY - STAY AWAY - FIND ANOTHER COMPANY!!