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Having Home Warranty of America is definitely worth it. 3 weeks ago, I called the claims dept. I explained the situation and asked to verify that the issue would be covered. I was told yes. So they send out the vendor and I pay the $75 copay plus tax. Vendor confirmed new toilet would be required and submitted the assessment for approval. Well, I call to get a status update today, to find out that the claim was not approved as of 6 days ago. They never had the courtesy to call and tell me or the vendor. I'm so frustrated with these people. They always find a reason not to approve claims, even though the initial call says it's a covered repair. I'm now out $80 some, because I had to pay their 3rd party vendor, still don't have a working toilet, and I have to now hire another plumber to come fix the issue.

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The warranty had a $100 deductible and cost $769 a year. So when Torine's AC died on May 5, he said he wasn't too concerned. He called for service, but the customer service representative couldn't find a repair company in his area, Torine said. "The warranty claims 'access to a trusted network of more than 40,000 pre screened service professionals,'" Torine said. "But not one in North Jersey?"The days would pass and Torine would call for updates, but the many customer service reps he spoke to couldn't find a company to do the work, he said. At times, he said, it wasn't clear what company was taking his calls. The warranty was marketed as a Sears Home Warranty, and Sears partners with a warranty company named HMS National for the warranty. Some of the reps Torine spoke to identified themselves as Sears, others said they were HMS, and still others said they worked for Cross Country Home Services CCHS. Finally, a repair company was located. "The company made four appointments to come to my house on four different days. They never called or showed up," Torine said.