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Report: #1486410

Complaint Review: Fidelity National Home Warranty - San Diego CA

  • Submitted:
  • Updated:
  • Reported By: Randolf — San Diego California United States
  • Fidelity National Home Warranty San Diego, CA United States

Fidelity National Home Warranty Company does not honor customer claims San Diego CA

*Consumer Comment: Wasting Your Time

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Much like the others who have reviewed this company, I failed to do my research. After purchasing my home in April of this year, the power went out in one of our bathrooms sometime in the middle of the night (6 months later). At the time the power happened, nothing was turned on, plugged in and There was nothing using the power.

In the morning I attempted to flip the dedicated GFCI breaker at the electrical panel and it would not turn on, it was completely fried. I placed a service request and FNHW and they sent out one of their contracted “specialists” to take a look. This was an electrical vendor who has had a long relationship of working with FNHW company (conflict of interest).

It was clear that the the electrician had a pre-scripted response to the electrical issue, a “power overload” which he had said before he even opened up the panel to investigate, total scam. Despite the numerous publications and specific wording on their website that state they cover “electrical components and electrical wiring”, the warranty does not somehow cover power over loads?!

What world are we living in where this is acceptable and/or legal? I think a class action lawsuit is long overdue for this company and it should be organized. They charged me another $75 for this waste of my time staying home from work. It was also a waste of my time speaking with the three “customer service professionals” who should have no business working serving customers or working in role that requires them to interact with people; prisoners are spoken to with more respect.

All three “professionals” were rude, one laughed at the situation, and another hung up on me after I asked for a refund of my warranty. I will make sure anyone I l know is seeking advice on a new home warranty to stay WAY clear of this “service”.

This report was posted on Ripoff Report on 10/15/2019 07:37 PM and is a permanent record located here: https://www.ripoffreport.com/report/fidelity-national-home/san-diego-ca-company-does-1486410. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

Wasting Your Time

AUTHOR: Jim - (United States)

POSTED: Wednesday, October 16, 2019

I guess for starters, if you went to the breaker, flipped it, and nothing came on, then yes, you had a power overload, and a pretty large one, but better to fry the breaker, than your entire house.  Policies like this would exclude an event such as the one you describe.

I can't even think of a warranty company that would cover something like this.  Why?  In a best case scenario, overloads like this happen from the outside and are akin to an "Act of God."  Warranty companies won't cover Act of God.  In a worst case scanario, you ought to check and make sure the bathroom is properly wired to code. 

I have seen situations where a prior owner rewired portions of the house, the wiring was not to code, and the outlets end up running pretty hot, even when nothing is plugged in.  BTW, improper wiring would not be covered either....

Now to the rest:

This was an electrical vendor who has had a long relationship of working with FNHW company (conflict of interest).  LOL, uh no, that would not be a conflict of interest.  Now, it might be a conflict if the electrical vendor owned the insurance company.  But that isn't the case since no electrical company also owns an insurance company.  Just like an auto insurance company has relationships with body shops to perform repair work on a damaged vehicle, a warranty company will have selected electricians, plumbers, appliance and other various repair folks who will perform selected jobs on an as needed basis for the warranty company.

Despite the numerous publications and specific wording on their website that state they cover “electrical components and electrical wiring”, the warranty does not somehow cover power over loads?!  They would cover the electrical components and wiring, if they failed through the normal wear and tear of use.  It would not cover such items as a power overload which is not normal wear and tear.  This would likely be under the exclusion portion of the warranty which is probably sizable.

What world are we living in where this is acceptable and/or legal? I think a class action lawsuit is long overdue for this company and it should be organized.  I believe this is Earth where this sort of thing is quite legal.  Seriously, these policies have significant exclusions to the policy that must be considered when consumers wish to invest in such a policy.  No class action lawsuit will come of this....simply because the exclusions cover the warranty company in every possible legal way, and no lawyer would take on an warranty company for something like this.

All three “professionals” were rude, one laughed at the situation, and another hung up on me after I asked for a refund of my warranty.  Yeah, that's not going to happen.  I don't know if I would have laughed but I certainly would tell you...uh...no.  It's sort of like asking to get a refund on your auto insurance policy because you haven't had an accident in the last 6 months.

I will make sure anyone I l know is seeking advice on a new home warranty to stay WAY clear of this “service”.  The value of the service is in peace of mind.  In reality, warranty companies are good for things like a water heater, or a dishwasher that go out.  If you had a power overload, you may wish to figure out whether you have a much larger issue like wiring problems with the house, than worrying about whether warranty work should be a part of this.

No, I do not work for this company....

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