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When I wrote an offer on a home, I asked for the appliances (refrig, washer & dryer) so that I would not have to fork out money to purchase these after I moved in. The sellers agreed. My realtor told me that the seller was going to purchase a home warranty for me and I could choose which company I wanted.
So after moving in, I found out a knob was broke off on the washer. It was usable but I couldn't select the water level. So I went to the home warranty website and filled out the information. Several days later a repairman came out to look at it and he asked me some questions about it. He took off the back panel and noticed that someone had taped the knob in place. He took my $60 check and said the warranty company would be ordering the parts he needs and he would come back to repair it.
Three weeks later, the warranty company called and told me they would not be doing the repair because it was pre-existing.
This kinda burns me because I am out $60 and dummy me did not read the warranty before hand
In the future, never use your home warranty for little things. As Pitt Chick said, you could have bought a new knob and replaced it yourself for less than the visit.
Actually, there is nothing wrong with the knob. The piece that it was attached to has fallen inside of the panel. He took the panel apart and said he would have to replace something (don't remember exactly what he said) in there because it was made of plastic and broke. I think it was the bracket holding the whole assembly up which broke. The previous homeowner had tried to tape it together, but this didn't hold up as it feel down inside of the panel.
What I was asking from people who are familiar with home warranties, do they usually not cover preexisting??
I'm sure the company knows that the warranty people are not going to pay for the repair and he has not called me to give me a quote on repairing it. Kinda wonder if he knew the warranty company might not pay for the repair.
Hmmm. The purpose of a seller buying a home warranty for a prospective buyer is so that said buyer can have peace of mind that anything wrong would be fixed. So you would certainly THINK that pre-existing problems (not caused by the buyer) would be fixed.
I guess you found out the hard way that warranty companies will get out of anything they CAN get out of. Definitely read your policy ... does it actually cover ANYTHING?
Hmmm. The purpose of a seller buying a home warranty for a prospective buyer is so that said buyer can have peace of mind that anything wrong would be fixed. So you would certainly THINK that pre-existing problems (not caused by the buyer) would be fixed.
I guess you found out the hard way that warranty companies will get out of anything they CAN get out of. Definitely read your policy ... does it actually cover ANYTHING?
As stated above, READ THE FINE PRINT!
You will quicky find out that your "HOME WARRANTY" is virtually worthless. They are written in such a manner that excludes everything from coverage. Most people never bother to read the entire contract and thats what enables them to keep selling them.
They normally do not cover per-existing problems. You are buying the house as it is, and they are warrantying it will stay as it is for the next year, or they will pay to fix it. Thus, if the dryer is missing when you buy the house, or it does not work and never did, they will not buy you a new dryer. However effectively, they often end up covering pre-existing conditions because people lie and say "this just happened"
As a whole home warranties are a bad use of your money. They cover very little and make you pay part of the repair cost anyway. The cost for the risk taken makes them a bad deal for you and a really good deal for whomever sells them. realtors push them because they get a commission on them. There may be instances where several of you appliances completely fail during the warranty period for covered reasons. IN those instances the warranty is a god send fo r the buyer. But in most cases that does not happen. IN fact, it is so rare, the gable you take when buying a home warranty is a bad gamble with terrible odds. If you look them up pretty much any consumer rating organization will tell you they are a bad deal (unless the organization sells home warranties or is supported by a company that sells hem
My realtor told me that the seller was going to purchase a home warranty for me and I could choose which company I wanted.
Hopefully you chose your company because it had better coverage than the others - which implies that you read the policies and compared them.
What does your policy say about pre-existing conditions?
An easy to see earlier botched repair job (as the OP had, a switch taped together) and I know nothing, it just stopped working are two different issues.
In an earlier business I had a customer return a golf club I had made for him for repair. It was obvious to me someone had reworked the club and the rework had failed. I showed the customer how I knew which was obvious to him as soon as I showed it to him. He stammered, gulped, sweated, then said well...well...well...I did loan them to my son, maybe he had something done to it. I smiled and said well we know how sons can forget stuff. I repaired it under warranty.
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