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HSA Home Warranty Complaint - HSA Home Warranty Scam - Home Warranty Claim
Home Warranty Claim - Complaint
KANSAS CITY, MISSOURI -- My husband and I recently had to file a claim with HSA under their home warranty policy. The warranty was part of our home purchase deal and we paid for the upgrade so that it would cover the heating and air conditioning systems.
Our electrical heating system stopped working and prompted us to call HSA so that we would be able to get it fixed. HSA has preferreed service companies that they call to come diagnose the problem. HSA would not let us call the company that installed the heating system (The intallers left a sticker on the unit with their contact information). HSA called their preferred company and they came out to check the system.
The service person diagnosed a burned out switch (like a fuse) in the fossil fuel unit. As any layperson knows a fuse/switch/lightbulb can burn out for many reasons most commonly is that they just plain wear out. The service person called the HSA adjustor and the adjustor asked him what could have possibly caused the switch to fail. The service person mentioned a possible cause as a power surge. The HSA adjustor latched on to that like it was the only TRUTH out there... I am sure her preference of the cause had something to do with power surges being deniable. When the HSA preferred service person tried to clarify that it was only a possibility and that he could not know for sure what the cause was... the adjustor claimed he was lying because I told him to. The claim stands denied.
We are currently in the HSA appeals process which requires that you get a second opinion at your cost (we've already paid for the heating repair on our own plus the deductible). I know that many people who have home warranties to buffer against unplanned costs such senior citizens, will not go through the appeal process because they are unable... and I am very sure by the way HSA's representatives treat people with disdain and claims the customer is dishonest.. that HSA depends upon most of it's customers not having the resources to appeal. This is a very disgraceful way of doing business.
I will update this site as to the result of our appeal. The company coming to give the second opinion is another of HSA's preferred service providers.
I would encourage anyone who is shopping for a home warranty to pass HSA up. Their warranty may sound good on paper, but they will do everything, including calling you a liar in order to deny your claim.
Our electrical heating system stopped working and prompted us to call HSA so that we would be able to get it fixed. HSA has preferreed service companies that they call to come diagnose the problem. HSA would not let us call the company that installed the heating system (The intallers left a sticker on the unit with their contact information). HSA called their preferred company and they came out to check the system.
The service person diagnosed a burned out switch (like a fuse) in the fossil fuel unit. As any layperson knows a fuse/switch/lightbulb can burn out for many reasons most commonly is that they just plain wear out. The service person called the HSA adjustor and the adjustor asked him what could have possibly caused the switch to fail. The service person mentioned a possible cause as a power surge. The HSA adjustor latched on to that like it was the only TRUTH out there... I am sure her preference of the cause had something to do with power surges being deniable. When the HSA preferred service person tried to clarify that it was only a possibility and that he could not know for sure what the cause was... the adjustor claimed he was lying because I told him to. The claim stands denied.
We are currently in the HSA appeals process which requires that you get a second opinion at your cost (we've already paid for the heating repair on our own plus the deductible). I know that many people who have home warranties to buffer against unplanned costs such senior citizens, will not go through the appeal process because they are unable... and I am very sure by the way HSA's representatives treat people with disdain and claims the customer is dishonest.. that HSA depends upon most of it's customers not having the resources to appeal. This is a very disgraceful way of doing business.
I will update this site as to the result of our appeal. The company coming to give the second opinion is another of HSA's preferred service providers.
I would encourage anyone who is shopping for a home warranty to pass HSA up. Their warranty may sound good on paper, but they will do everything, including calling you a liar in order to deny your claim.
Comments:
Posted by mack54 on 2008-06-01:
We also purchased an HSA warranty. These people are crooks in my opinion. The air conditioner which worked for the inspector failed and they refused to pay anything. Our well pump failed, same thing. They latch onto any possible thing that MAY HAVE CAUSED the failures and that is their reasoning to deny payment. If you use their contractors, you can end up paying more. Buying a warranty from these people insures throwing your money away over and over again. I plan to start a website dedicated to the poor service of this company. I am contacting all realtors in my area with the info also.
Posted by dock52 on 2009-04-28:
My experience in the Real Estate brokerage over 10 years is that HSA is one of the better Home Warranty programs out there. Whenever a claim is denied, whether it be by a home warranty company, car insurance company or any other insurer, the common response from the poilicy holder is "they are a sham...don't do business with them~!"
HSA paid over 1200 claims on the 1500 or so warranties our brokerage sold last year. The average claim amount was around $278...that's pretty darned good value!
I agree that sometimes we Realtors tend to "oversell" the warranty and raise homeowners expectations that everything will be covered. There are limitations to coverage as is the case on every insurance product.
Mack54 I hope you contact me for you "dedicated website" against HSA. I have many a home owner who have received new furnaces, AC's and appliances who feel much difFerently than you do!
HSA paid over 1200 claims on the 1500 or so warranties our brokerage sold last year. The average claim amount was around $278...that's pretty darned good value!
I agree that sometimes we Realtors tend to "oversell" the warranty and raise homeowners expectations that everything will be covered. There are limitations to coverage as is the case on every insurance product.
Mack54 I hope you contact me for you "dedicated website" against HSA. I have many a home owner who have received new furnaces, AC's and appliances who feel much difFerently than you do!
Posted by Home Owner Jay on 2012-09-23:
HSA is not a SCAM
Okay my first experience with HSA is, that I had to pay $75,because the house we bought came with a bathroom wall, that was not meant for bathroom, so it wasn't waterproof, so when we took a shower the wall would get soft...I thought it was a waterleak in the wall, the contractor came and he explained it to me and I had to pay $75 and that was it. I was upset, because the constrator just looked at it and I lost $75. The $75 is the amount you have to pay out of pocket for every claim. Which I think was alot that time.
But we got relocated and we kept HSA to leave us a piece of mind, when something broke when we had renters. Sure enough AC broke price $1500 to replace the whole unit. HSA approved the claim!!!!
Next month something else broke another big repair HSA approved. Now $75 in comparison to 1500 or whatever the amount was is nothing.
So I must says HSA is not a SCAM I truly believe in them.
Okay my first experience with HSA is, that I had to pay $75,because the house we bought came with a bathroom wall, that was not meant for bathroom, so it wasn't waterproof, so when we took a shower the wall would get soft...I thought it was a waterleak in the wall, the contractor came and he explained it to me and I had to pay $75 and that was it. I was upset, because the constrator just looked at it and I lost $75. The $75 is the amount you have to pay out of pocket for every claim. Which I think was alot that time.
But we got relocated and we kept HSA to leave us a piece of mind, when something broke when we had renters. Sure enough AC broke price $1500 to replace the whole unit. HSA approved the claim!!!!
Next month something else broke another big repair HSA approved. Now $75 in comparison to 1500 or whatever the amount was is nothing.
So I must says HSA is not a SCAM I truly believe in them.
Posted by John B. Zalopany on 2013-05-12:
Make no mistake about it…… HSA really is a terrible company to do business with. It takes forever for someone to answer the phone and when they do you are put on hold forever. They misrepresent their coverage!! This company really sucks and I will not be renewing my policy when it expires. DO A GOOGLE SEARCH WHICH WILL LEAD YOU TO 100’s OF UNSATISFIED HAS CUSTOMERS… or should I say EX-CUSTOMERS.
Posted by Wallace Larsen on 2013-05-15:
Moved in FEB 2013 - Got the warranty when we move in. Furnace went out and called a outside repair man because it was cold. He found a crack in the heat exchanger and said the furnace could not be turned on again. We clould die. Called Waranty Co. They said it was a pre condition and won't pay any thing,
The furnace had a inspection! before we moved in.
The furnace had a inspection! before we moved in.
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