Consumption and Real Estate
My homeowner’s warranty insurance is not covering my garbage disposal due to not wear and tear, please help?
Question : My homeowner’s warranty insurance is not covering my garbage disposal due to not wear and tear, please help?
I am so mad at my insurance company. This is the second time I’ve had a wor order that they have refused to cover while still charging me a fee to come out. Last time when I had a problem with my toilet they said it was improperly installed and refused to repair/replace it. This time I am told the broken switch that resets the garbage disposal was either improperly installed or used with excessive force. when it was properly installed based on the fact that it has been working for 2 years, and nobody in the household forced it at any time.
I had a nasty conversation wtih the manager at the insurance company who was a biii*** and didn’t care one bit if I canceled all of my policies. If I call another plumber out who finds it is due to regular wear/tear, they will not reimburse me for the original fee of the wrong diagnosis nor for the plumber I send out!! They will cover if they send one of their plumbers out again, but if he finds the same fault (which likely he will based on the track record) I will then get stuck with paying for both visits. It’s either me lying – that somebody forced the switch, or their worker who conveniently makes that excuse, and I am so so so so mad. Any advice??
homeowners warranty insurance
Best answer:
Answer by tkahrs12122
I would cancel that warranty insurance and just pay for repairs out of pocket. Sometimes you need to spend the money just to avoid the frustration. Besides you are losing a day’s pay everytime you wait for their repairman
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#2 written by General Custer 1 year ago
Having been a repairman for In-Sink-Erator brand garbage disposals I think you have a dishonest insurance company and I suggest you report them to the state insurance bureau and sue for coverage.
If he fixed it properly the first time you shouldn’t have the same problem. Personally I would replace the unit if it is over 4 years old. Not running plenty of water after grinding is a common fault. Putting stringy items like corn husks or hard things like bones is bad for a disposal.
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#3 written by mbrcatz 1 year ago
Most warranty policies are like this – either they won’t cover due to one reason or another, or, when they do, the service call and parts are actually more expensive than if you went and hired the repair guy yourself.
Is this with an “insurance” company? Most homeowners warranties are NOT insurance policies, NOT guaranteed, NOT regulated, which is why it’s so easy to rip off customers. BUT, if your policy is REALLY with an insurance company, you can write a letter of complaint to your state insurance commissioner.
You probably DO need to have another plumber out there to look at it.
Or, here’s an alternative – Garbage disposall units are really, really easy DIY for replacement. Buy one, replace it yourself, bring the old one to Home Depot, ask an expert about the reset switch (I’ve never heard of “improperly installed”, I think that’s bunk) and have them put it in writing. Then you can sue them in small claims court.
And for goodness sake, since you already know the home warranty is costing you but not paying out, stop buying it.
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If this is actually a home warranty rather than home insurance, then dump it now. They are a huge waste of money as you are finding out. They make money by paying out less than they take in, so for the average homeowner it just isn’t worth it.
If this really is your home insurance, stop calling them for petty things. This is not what home insurace is for and if you make too many claims you will not be able to get insurance from anybody.