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Most people have heard of home warranties being purchased at the time of sale but did you know that you could also obtain a consumer-direct home warranty? In fact, despite costing just a little bit more the benefits far outweigh the added cost over and beyond the standard buyer or seller policy. In the “few hundred dollar” range, these policies provide protection against major problems with appliances, systems or both – depending on the policy type.
Of course, as is with many insurance products, there are the typical policy exclusions so when you go to inquire about one of these products be sure to request a copy of all exclusions to understand exactly what coverage you will be getting.
If you would like to learn more about obtaining third-party underwritten insurance policies to cover your appliances and systems – we invite you to contact us today and we’ll be happy to share some of our recommended vendors. Since the insurance companies are part of a profit-generating industry, here are some tips for dealing with them:
1. Call during off-peak times. When filing a claim, set aside about a half hour to complete the telephone procedure and more if calling during the morning, lunchtime or late afternoon.
2. Keep track of everything. Document the name of everyone you speak with, the time and dates of each time called and the exact nature of the conversations.
3. If you feel you are not getting anything done or that progress is slow with your claim, ask to speak to the manager in charge when you call.
4. Choose to submit your claim on the telephone rather than via email for a faster response.
5. Keep your cool. If you end up dealing with an unresponsive or worse, rude customer service person – try to be calm but remain consistent.
6. Get creative when you need additional help. District managers of home warranty companies make themselves more accessible to real estate agents so if you need extra help, contact your agent.
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