Home Warranty of America How HWA "Warranty" really works Lincolnshire Illinois

So I am not going to go into my experiance dealing with Home Warranty of America because if you read any of the other reviews they all have similar experiences, bad service, bad communication, etc.

What I will tell you is how they operate if you have a claim.  First they send one of their techs from their preferred vendor list to your home, which you pay for ($100).  If the tech determines you need a replacement they will send their findings to HWA.  At that point, HWA buys the replacement or model they see fit but do not supply any information besides the portion that you have to pay out of pocket which is significantly more.  

How it works is they buy a replacement and all the installation costs are passed to you because they will only pay for their "costs" which include a low-ball price that the installer or preferred vendor given to them. 

For example, if the installation cost $1000.00 the the installer sends Home Warranty of America a "quote" for $100 then then additional portion is paid by YOU ($900)!  Home Warranty of America only pays for "their cost" which means if they get a quote from "their preferred vendor" that says $100 instead of the $1000 that it is supposed to be, then they will only cover the $100.  

So basically if costs $2000 to replace your refrigerator you are going to pay for the majority of it and dont be surprised if the portion Home Warranty of America cover is similar to the amount you paid for your annual coverage.

One more thing.... This is my first review/report ever and only because my past experiences with Home Warranty of America was an absolute nightmare!