Uniters North America, LLC I bought a chair with insurance Here is is what the insurance policy says... They claimed they would cover a rip in fabric but denied Riviera Beach, florida

I bought a chair with insurance

Here is is what the insurance policy says...

"What does my protection plan cover?

Coverage details vary based on the protection plan provider listed on your protection plan certificate.

A Uniters protection plan covers all accidental stains (food, beverages, pet stains, etc.) as well as accidental damage (rips, tears, burns, punctures, scratches, gouges, chips, or dents). For mattresses, Uniters will cover cleaning or replacements for stains that occur from everyday, residential use while using the Uniters BedGard mattress protector. Mattress protection also covers structural damage after the manufacturer's warranty has expired for all products used in residential settings.

A Warrantech protection plan covers either the replacement or repair costs for parts and labor for mechanical or electrical failure due to defects in materials, workmanship."

I found some rips in the leather, filed a claim and was denied.  They wrote  "e issue reported is not covered by your plan. Please refer to your protection plan for specific coverage and exclusion information."