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

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....