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.