ED Magedson – Founder
HMSOrlando, FLorida Orlando, Florida USA
HMS Was told by HMS rep not to worry about pre-inspection and service recods before buying HMS policy. When a/c stopped working claim denied due to preexisting problem. Orlando Florida
I bought a home in Orlando in April. Realtor recommended to purchase Home Warranty with HMS. 2 weeks later a/c compressor failed. HMS requested to submit a home instpection report. After I send a copy of home inspection report claim was denied because HMS thinks this was preexisting problem. In the report Home inspector recommended typical service. No mechanical problems were noted it says "Unit cycles on normally and is functioning". HMS denied claim since I did not have service records for the a/c after the policy efective date. I was taking care of emergency things after a possesion of the property and a/c was working there was no concern expressed by home inspector.
If you want to go with HMS demand they do their own preinspection prior you buy the policy. In my case they declined to do preinspection saying not to worry about it. Now I now why, so they can blame it on the preexisting problem, which they do not cover. HMS declined the option for the home inspector to make a written statement that there was no preexisting problem. Very disapointed. I thought, I am covered for an unexpected break... I reqested a full refund. HMS told me today the refund process takes up to 5 weeks. Not sure if they find a reason withhold any money.
This report was posted on Ripoff Report on 05/29/2013 08:07 AM and is a permanent record located here: http://www.ripoffreport.com/r/HMS/Orlando-Florida-32828/HMS-Was-told-by-HMS-rep-not-to-worry-about-pre-inspection-and-service-recods-before-buyi-1054623. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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