Terms and Conditions – current

Home Warranty (Terms and Conditions)

A  SERVICE OVERVIEW

1. In accordance with the terms of the Service Contract, HomeMembership, hereinafter referred to as HM, We, Us, or Our, agrees to repair or replace systems and appliances mentioned as covered for the Seller, Buyer, Direct Consumer (Homeowner), FSBO, hereinafter referred to as You, Your, They, Member, Client, Holder. HM offers home service contracts, which are not warranties. Terms may vary by state. HM reserves the right to revise this agreement at any time and you are deemed to be apprised of and bound by any changes to this agreement.
2. HM will provide service on listed covered systems or appliances that:
3. a) are installed and located within the perimeter of the Main Foundation and Garage (attached). Additional living space in garages or separate from main home are not covered unless additional Option chosen. Systems or appliances located on the exterior or the outside of the home (including porch and patio) are not covered. Any additional detached structures are not covered unless specified as an option.  Only finished homes are eligible for coverage, unfinished homes do not qualify for warranty coverage.
4. b) were properly installed, have a current city/state inspection sticker and are in good and safe working order on the Effective Date of this Contract.
5. c) have become inoperable due to normal usage after the Effective Date of this Contract.
6. d) are reported during the term of this Contract.
7. All monthly pay contracts are annual contracts, if a claim is filed and approved, any outstanding contract payment/s will be deducted from the reimbursement/claim amount until the contract is paid in full. Once the annual cost is paid in full all approved future reimbursements and payouts will only have its contract deductible applied.
8. This Contract does not cover defects known prior to the Effective Date of coverage. Known defects are excluded from coverage until proof of repair(s) is received by us. Direct consumer memberships purchased online will only cover items that are less than twenty years old. This WOULD NOT apply to real estate transaction memberships or to members who already have a membership and upon renewing each year caused their system or appliance to exceed twenty years of age. New home closings that do not have a home inspection done may be subject to a partial payout or denial on any claim.
9. Coverage is for Home Buyer/Seller Single Family Dwelling/Homeowner/FSBO less than 5,000 sf. Coverage for homes over 5,000 sf. requires additional fees in the amount of $100 for every additional 1,000 sq. Ft. Coverage is for owned residential properties, not commercial properties or residences used as businesses (including daycares, nursing homes, etc.) All warranty plans pertain to single family homes, condominiums, or townhomes. No coverage for rental homes, multi-family or commercial. Homes that have an active warranty in place cannot be vacant for more than 30 consecutive days for coverage to apply. Home must be lived in continuously, If property was not lived in continuously for a period beyond the initial 30 days any claims can be denied by the warranty company.
10. Where the premises covered by this Contract are a condominium or multiple units, obligations are limited to the confines of the unit. Common equipment is not eligible for coverage. Damage to items in your unit are not covered if caused from other units in condominium complex.
11. Pricing, fees, terms, and coverage listed are for properties involved in a resale Real Estate transaction, direct consumer (Homeowner) or For Sale by Owner (FSBO). Some Homeowner and FSBO pricing, fees, terms and coverage may differ and will be marked by asterisks (*Homeowner and *FSBO).
12. This contract/brochure is an exemplification of coverage. The contract you receive from HM at inception may differ from prior marketing material. HM cannot honor preceding marketing/contracts that have been dissolved.
13. Direct Consumer memberships have a 30-day review and question period. The purpose of the 30-day review is to allow new members a sufficient amount of time to ask questions and fully understand the terms of their membership. Our priority is making sure our members receive the utmost clarity, so we encourage our members to ask questions, so they fully understand their service contract and to make sure they have selected the proper membership plan and add-on coverages for their home. If a member decides to cancel during their 30-day period, all payments are fully refundable.
14. If the part or service required does not affect the functioning of the working unit, it is not covered. This Contract covers only the items mentioned as covered and excludes all others. Coverage is limited to one system or appliance (unless specifically noted or additional options purchased). Buyers and Direct Consumer (Homeowner) may purchase Optional Coverage up to 30 days after the Effective Date of Coverage; however, coverage shall commence upon receipt of payment and will expire one year after the Effective Date of Coverage. New Construction Contract: Optional Coverage must be purchased within 30 days after Close of Sale and becomes effective one year after the Close of Sale. For service or to order additional Buyer Options please call or process online.
15. Payment made on this contract authorizes HM to contact you by phone, mail, and/or electronically for any other products or services offered by HM.
16. HomeMembership reserves the right to request an itemized receipt in order to issue reimbursement checks.
17. We may contact our members via social media or other outlets including but not limited to, Phone, Email, Text, Voicemail, Direct Mail, and others.
18. Only items noted by the home inspector to be in good operational condition would be covered. Anything the inspector recommends being repaired, replaced, or further evaluated would not be covered unless the seller or buyer has proceeded with the repair/replacement of said items or can provide a paid invoice showing an evaluation of approval by a licensed company.

 

B  CONTRACT EFFECTIVE DATES

1. Buyer's Coverage: becomes effective at Close of Sale and is in effect for one full year. (Payment must be received within 14 days after Close of Sale for coverage to be active. An order made via the HM website, phone app, or call in, is only active if payment is received within 14 days after closing.) If payment is not received within 14 days after closing, coverage will not be active on property and any pre-existing claims will not be covered. If payment is received at a later date, the new effective date will be the day the check is received by HM. It is the responsibility of the closing company and the real estate agents involved to confirm payment has been received by HM. The two year special purchase option is for realtor closings only, this offer is not extended to direct consumer, renewals or FSBO.
2. Seller's Coverage: The Listing/Escrow Period becomes effective the day the application is received by us, and continues until the expiration of the Initial Listing Period (up to 180 days), Close of Sale, or Listing Termination, (whichever occurs first). Seller's Coverage is not available on multiple units. In the event Close of Sale does not occur in the 180-day period, we may, at our sole discretion, extend the Seller's Coverage period. Should close of sale not occur, any charges or claims filed will be charged in full to the Seller less any deductibles. Pre-existing conditions are not covered for the Seller. Seller’s coverage does not extend to items the Buyer asks Seller to repair or replace as part of the Buyers request for repairs. Coverage provided for Home Seller's on any one system is subject to a $500 maximum diagnosis, repair or replacement limit during the Seller's Coverage Period. All Limitations of Liability apply.
3. Direct Consumer / Homeowner: Coverage becomes effective for one year after the 30-day review and question period Coverage will start exactly 30 days from the date payment is made.
4. For Sale By Owner / FSBO: Are required to submit a completed home inspection that is no more than 30 days old or order an HVAC inspection through HM. Once home inspection or HVAC inspection is completed, it can be uploaded during check out for FSBO membership. Coverage becomes effective for Buyer the day of closing. It’s the responsibility of the Seller to notify HM of the closing date and the home purchaser's information. (*FSBO coverage only extends to the Buyer of the property and does not warrant any coverages for the Seller while for sale. If Seller is unable to sell their home, but has purchased a FSBO membership, HM will fully refund FSBO cost of the membership upon notice.)

 

C  TO REQUEST SERVICE

 

1. We are available to accept service requests 24 hours a day, 365 days a year. All service requests should be made rough our website or through our member portal.  Any question or inquiry on an existing claim or general claim questions should be sent to [email protected].
2. When you submit with a Service Request, we will contact an Independent Contractor who will contact you to schedule a convenient appointment during normal business hours.
3. Under normal circumstances, HM will initiate the performance of services within 96 hours (4 Business Days) we always try to have our member serviced within 48 hours, but we do not guarantee a time of service. Regular business hours are 8:30 am to 5:30 pm (EST) Monday - Friday. All claims filed after 5:30 pm (EST) Monday-Friday will be scheduled the next business day during regular business hours. Only HVAC claims received on Saturdays before 2:00pm (EST) will be dispatched to a technician and accompany a $200-weekend rate when approved by member. All other claims received outside of regular business hours, will be scheduled on the next business day and accompany a $100 deductible. Once scheduled, you will receive a window of time for the service provider to arrive. Be sure to give service provider your correct information and answer all phone calls from unknown numbers as it may be the service provider calling to confirm service. After several attempts to contact you and no answer, you will be rescheduled on the next available business day. Also, please allow an additional 30-minute grace period outside of the scheduled service providers window of given arrival time before you email [email protected] on the status of your service provider.
4. We require you to contact us so we may have the opportunity to select an Independent Contractor to perform the service. We will not reimburse you for services performed by your own contractor without prior authorization.
5. Each Service Request placed will pertain to one covered item, additional covered items opened within the same Service Request will be subject to an additional $100 Deductible. Deductible is due whether service is covered or denied. Any promotional deductibles do not apply to weekend, after hours, holidays or emergency calls. Calls on the same claim within 30 days of original claim will not be charged an additional deductible unless it is a different component issue/failure, after the 30 days a new $100 will be charged. It is the Contract Holder's obligation to select the trade type when requesting service. In the event the Contract Holder selects the wrong trade type, the Contract Holder is required to pay a second Deductible to re-dispatch the appropriate service request. We cannot respond to a new Request of Service until all previous Deductibles are paid. Failure to pay the Deductible will result in suspension of coverage until such time as the proper fee is paid. At that time, coverage will be reinstated, but the contract period will not be extended. If an additional service request is made and the problem is deemed operator error, member will still need to pay the $100 deductible. If member has scheduled an appointment with service contractor and the member has not contacted HM direct within 2 hours of scheduled appointment to cancel, member will still be responsible for paying the $100 deductible to contractor for any No Shows, Failure to Call, Failure to Cancel, Not Home, or any other related situation that does not allow service contractor to perform repair at the time of the scheduled appointment. If member attempts to reschedule a second appointment for any of the reasons mentioned above, they will need to pay the original $100 deductible and pay a new $100 deductible before any services will be performed.
6. To ensure you receive reputable and unbiased service, we have built an extensive network of Independent Contractors who provide service to our Contract Holders. Our network, however, is not all-inclusive for every trade, in every town. For that reason, we may authorize or require you to contact your own Independent (out of network) Contractor directly to obtain service. HM requires that the service provider diagnose your problem, and then contact HM for approval of the proposed work. The contractor must be licensed and bonded.
7. It is the Contract Holder's responsibility to have the Area of Service Work free and clear of non-related items for the Independent Contractor. In the event the area is not accessible the contractor will return at a later date and the Contract Holder will be responsible for an additional Deductible.

 

D THIS CONTRACT DOES NOT COVER:

1. Repairs or replacement required as a result of Fire, Freeze, Flood or other Acts of God, Accidents, Vandalism, Improper Installation, Cosmetic Defects, Design Flaws, Manufacturers' Defects, Structural Defects, Power Failure, Shortage, Surge, Overload or Inadequate Capacity, Rust or Corrosion, Water Damage, Self-diagnoses and/or repair.
2. Failure to Clean or Maintain, Improper Previous or Attempted Repair, Routine Maintenance, Odors, Noises, Damage due to Pests or Pets, Neglect, Misuse, Abuse, Missing Parts, or Adjustments.
3. HM is not responsible for Consequential or Secondary Damage (including Consequential Damages due to a Service Contractor's conventional repair efforts of the primary item) nor for failure to provide timely service due to conditions beyond our control; including but not limited to, part or equipment delays or labor difficulties. Additional work performed by the independent service contractor or a secondary company they contract for you, will be at your sole cost and risk. HM will not have any liability or monetary responsibility.
4. HM does not cover systems or appliances classified by the manufacturer as Commercial, Commercial Equipment modified for domestic use, or single-family dwellings used for commercial purposes.
5. You are responsible for providing Maintenance and Cleaning on covered items as specified by the manufacturer to ensure continued coverage on such items, for example: heating and air conditioning systems require periodic cleaning and/or replacement filters and cleaning of evaporator and condenser coils. HM will not clean or maintain regular maintenance to any covered item.
6. HM is not, under any circumstances, responsible for the diagnosis, repair, removal or remediation of Mold, Mildew, Rot or Fungus, or any damages resulting from or related to Mold, Mildew, Rot or Fungus, Water Damage, even when caused by or related to the malfunction, repair or replacement of a covered system or appliance.
7. HM is not responsible for additional charges to remove or install systems, appliances, or non-related equipment in order to make a covered repair; nor do we cover the cost of restoration of drywall, plaster, wall coverings, floor coverings, countertops, etc.
8. HM does not cover cost for cranes or other lifting equipment.
9. CODE UPGRADES/TOXIC MATERIALS/PERMITS/DISPOSAL: If upgrades are required, HM cannot perform service until you complete corrective work. If additional costs are incurred in order to comply with regulations, we will not be responsible for the added expense, nor will we pay any cost relating to permits. HM will not perform services involving hazardous or toxic materials including, but not limited to, Asbestos, Mold, Lead Paint, or Sanitation of Sewage Spills, nor will we pay costs related to recapture and/or disposal of Refrigerator/Freezer Refrigerants, Contaminants, Hazardous or Toxic Materials, Systems or Appliances, nor do we pay cost related to recapture, recovery, recharge and/or disposal of any refrigerants (freon), contaminants, hazardous, or toxic materials systems or appliances.

10.REPAIR/REPLACEMENT/UPGRADING: HM is not responsible for delay in obtaining parts or replacement equipment. We reserve the right to repair and/or replace systems and appliances with non-original manufacturer's parts, including rebuilt or refurbished parts. We reserve the right to obtain a second opinion at our expense. We will not upgrade any covered item. We are responsible for providing installation of equipment comparable in features, capacity and efficiency, but not for matching in dimensions, color, or brand. We are not responsible for the cost of construction, carpentry, or other modifications made necessary by existing or installing different equipment. We reserve the right to provide cash in lieu of repair or replacement in the amount of our actual cost of the part. HM will not upgrade or replace a unit if a part is not available, a cash payment will be made to the member for the cost of the part. If the cost to repair covered item supersedes the maximum limit amount, HM reserves the right to pay contract holder the current market value of covered item in lieu of repairs. Payment will be provided based on our negotiated rates with our Independent Contractors and Supply Warehouses, which may be less than retail. If Contract Holder accepts cash towards replacement of covered item, item will be valued based off today’s fair market value of said item. We are not responsible for work performed once you accept cash in lieu of service. If we provide reimbursement or cash in lieu of service, the approximate time to issuance of a check is 10 business days. All maximum and limit amounts are per contract term and include all previous amounts paid, we do not cover any products which can be controlled by a phone, tablet, smart speaker or other Wi-Fi/internet connected devices.

11.For coverage to apply to REO, Bank Owned, Short Sale, As-Is, or Foreclosed properties: Buyer would need to complete a home inspection and have the Seller repair or replace any pre-existing conditions. If Seller will not repair or replace items that were deemed insufficient in the home inspection report, these items would not be covered during the life of the warranty Contract.

12.HM is not responsible for upgrades, components, parts, or equipment required due to the incompatibility of the existing equipment with the replacement system, or appliance, or component, or part thereof, or with new type of chemical or material utilized to run the replacement equipment; including but not limited to, differences in technology, refrigerant requirements, or efficiency as mandated by Federal, State, or Local Governments (except noted in Air Conditioning/Heating).

13.This Contract excludes any service, check-up, maintenance or replacement performed by another company on a covered product without written authorization by HM. Improper repairs or installation of equipment prior to Contract is not covered. If Contract Holder contacts third party vendor to look at covered item prior to HM approval, HM could deny coverage for that occurrence. If problem to covered item is on an appliance or operating system that is less than one year old or still under a manufactures warranty. Service call for said item should be made directly to manufacture of covered item or to the vendor who installed covered item. Members who accepted, received, or purchased warranty coverages or supplemental coverages for items covered/inspected by a third-party (i.e., Home Inspector, Plumber, Electrician, etc.) should make claims with third-party first. Third-party coverages will take precedence over home warranty coverages provided by HM.

14.Coverages, incentives or promotional packages that were offered, but have since expired.

15.Seller/Buyer coverage cannot be placed on listed homes if they plan to be or have been vacant for more than 30 consecutive days. Buyer coverage can be placed if a formal home inspection is completed by Buyer and Seller has made necessary repairs or replacements of items covered in package choice.

16.If a home inspection is performed on covered property and the Heating and Cooling systems are not tested as part of the inspection or cited as past life expectancy, HM may apply depreciation to repair or replacement. Non-testing due to outside temperature does not void these terms.

17. Warranty coverage only covers breakdowns or failure to operate. HM does not warrant temperature differential, insufficient capacity, efficiencies, or failure of the HVAC system to maintain temperatures in extreme weather. Nor do we cover inadequate insulation or reimbursement of subsequent deductibles because of items listed above.

18.Cost associated to access hard to reach A-Coils, Furnaces, or any other covered items deemed not accessible by service provider. Cost to hire a third party or for our service provider to access and rectify would be the responsibility of the contract holder.

19.Any expense incurred by contract holder not specifically mentioned as a covered item in this contract. Including, but not limited to: Food spoilage, Relocation, Traveling, Animals, Kennel, Living Expenses, Gas, Meals, etc.

 

E COVERAGE DETAILS

HEATING SYSTEM

Primary Gas, Oil or Electric Heater, Radiant Heater, Heat Pump, Thermostat, Ductwork only as part of a new install (including Geothermal and/water source heat pump components and parts located within the foundation of the home or attached garage which cool and/or heat the home). Outside Package Unit.

• NOTE: Coverage available on Heating Systems that are the main source of heat to the home, with capacity not exceeding five (5) tons unit.
• EXCLUSIONS: Mini-split ductless systems, Heat Lamps, Filters, Electronic Air Cleaners. Humidifiers, Furnace Vents & Flues. Asbestos Covered Ductwork, Wood or Pellet Stoves (even if only source of heating), Fireplaces (of any kind) and Key Valves, Inserts, Insulation, Dampers, Collapsed or Crushed Ductwork, Improperly Sized Systems or Systems with Mismatched Capacity per Manufacturer's Specifications, Systems without Inspection Sticker, Improper sized heating room/closet to fit replaced unit, Zone Control Systems, PTAC Systems, Zone Valves, Solar Space Heating and Cooling Systems, Outside or Underground Piping and Components for Geothermal and/or Water Source Heat Pumps, Well Pumps and Well Pump Components for Geothermal and/or Water Source Heat Pumps. Freestanding Units, Maintenance or Cleaning, Noises, Cages.
• LIMITS: $1,200 maximum for diagnosis, repair or replacement of a Gas Furnace, Air Handler ,Geothermal, Hot Water, Boiler, Radiant Heat (including cable heat) Steam Circulating Heating System, and Water Source Heat Pumps. (2) $500 maximum for diagnosis, repair or replacement of Ductwork. (3)$500 maximum to repair or replace fan motors, blower motors, variable speed motors and control boards.(4) If member receives money toward replacement or repair of covered item, and they choose to use their own contractor, member to provide receipt of completed work before further repairs can be made on heating and cooling system. (5) Contract Holder is responsible to clear any obstructions and return access opening to desired finish (drywall, tape, and mud). (6) The maximum aggregate liability for repairs or replacement, regardless of the number of claims for repairs or replacement, or the number of systems/units $2,500. Package units have a maximum aggregate of $2500.

 

AIR CONDITIONING

Electric Central Air Conditioning including Condensers, Evaporative Coils, Compressors, Air Handler. Leaks in accessible Refrigerant Lines, Water Evaporative Coolers and Thermostat.

• NOTE: Coverage available on Cooling Systems with capacity not exceeding five (5) tons unit.
• EXCLUSIONS: Mini-split ductless systems, Gas Units, Filters, Dampers, Maintenance, Cleaning, Noise, Condenser Housing, Pads, Water Towers, Water Trays or Drip Pans of any kind, Roof Jacks & Stands, Improperly Sized Systems or Systems with Mismatched Capacity per Manufacturers Specifications, Systems without Inspection Sticker, Inaccessible or Not Visible Coil Lines, Zone Control Systems, PTAC Systems, Chillers, Pre-Coolers, Electric A/C Window Units, Cages.
• LIMITS: (1) The maximum aggregate liability for repairs or replacement, regardless of the number of claims for repairs or replacement, or the number of systems/units $2,500. AC Condenser / Heat Pump $1200 maximum to repair or replace. Evaporator Coils $700 maximum to repair or replace. Control boards up to $500. (2) If member receives money toward replacement or repair of covered item, and they choose to use their own contractor, member to provide receipt of completed work before further repairs can be made on heating and cooling system. HM will reimburse member or cover refrigerant based on our cost or industry standard at $15 per pound.

 

PLUMBING SYSTEM

Plumbing Pipe Leaks, Water Heater (includes tankless), Angle Stops & Gate Valves, Interior Hose Bibs,  Toilets,  Pressure Regulator Valve, Shower Valve, Diverter Valve, Failure due to sediment in Water Heater, Drain Line Stoppages (inside confines of home).P traps (bathroom sink and kitchen sink only),Risers, Garbage Disposals, Instant Hot Water Dispenser, and Sump Pumps.

• EXCLUSIONS: Gas leaks, Adjustments, Plumbing Fixtures including Faucets, Shower Head and Arm, Bathtub, Shower Base Pans, drain assembly /p-trap & enclosures, Toilet Lids & Seats toilet wax rings and resetting at base, Sprinkler or Solar Systems, Stop & Waste Valves, Water Heater Vents & Flues, Vent Pipes, Septic Tank, Stoppages that cannot be cleared with Cable, Hydro Jetting, Stoppages due to Roots, Water Heater, Heat Pump Attachment, Sewage Ejector Pump, Grinder Pumps, External Hose Bibs, Expansion Tanks, Energy Conservation Units, Noise, Electrolysis, Water Softener, Whirlpool Jets, Water Filters, Water Purification Systems, Bidets, Jet Pumps, Conditions caused by Chemical, Calcium, or Sediment Build-up, Caulking, Grouting, Inadequate or Excessive Water Pressure, Flow Restrictions in Fresh Water Lines caused by Rust, Corrosion, or Chemical Deposits, Basket Strainers, Pop-up Assemblies, Stoppers, Diesel or Oil Fired Water Heaters, Heat Pump/ Water Heater Combination Units, Repair or Replacement of Leaks in Concrete Encased Water, Drain, Gas, or Polybutylene Piping, Leaks/ Damage caused by Roots, Water Heater Drip Pans, Ice Maker Water Lines, Main Water Shut-off Valve, Holding or Storage Tanks, Saunas or Steam Rooms, Basket Strainers, Septic Tanks, Septic Pumping, Septic Components, Improper Install, Unlevel Pipes/Proper Leveling, Inadequate or Excessive Water Pressure, Camera Pipe Inspection or Reimbursement, Damage to any type of Floor Coverings or Drywall from Water. Stoppages caused by Foreign Objects, Roots, Collapsed or Broken Lines outside the main foundation, main sewer line blockages outside the confines/perimeter of home, access to Drain or Sewer Lines from Roof Vent, costs to locate, access or install a ground level cleanout and removal of Water Closets (Toilets), Plumbing stack. Garbage Disposal - Problems and/or jams caused by bones and foreign objects other than food.
• LIMITS: (1) Toilet Tanks & Bowls replaced with Builders Standard when necessary ($125 Max on Toilet Replacement, up to 1). (2) We will not provide access through walls, ceilings, and floors only. Contract Holder will be responsible for removing and returning access opening to desired finish (drywall, tape, and mud). Obstructions to Plumbing are the Contract Holder's responsibility to remove, and include: Tile, Cabinetry, or any other items permanently affixed or requiring additional work to remove. (3) Limit for water, drain or line stoppages, waste, vent piping, leaks and breaks in the plumbing systems, water heater repairs or any other covered plumbing items, including sump pumps is $350 per occurrence with a $1000 max aggregate per contract term (1 year). (4) We clear stoppages which can be cleared with standard drain line cable through an existing clean-out located inside the home without excavation up to industry standard in labor hours. HM will not be responsible for access to Drain or Sewer Lines from vent or removal of toilet. (5) We are responsible for only one drain line clearing where accessible within confines/perimeter of home. (6) $350 limit for water heater repairs including dip tubes, gas control, thermocouple, thermostats, heating elements. $1000 maximum for replacement of Tank, Tankless, Oil, or Power Vent Water Heaters. (7) Re-pipe of leak length only (No upgrade to piping)

 

APPLIANCES

Dishwasher (Built-In)l, Oven/Range/ Cooktop, Built-In Microwave, Main Kitchen Refrigerator, Washer and Dryer, Trash Compactor and all mechanical components and parts, which affect their operation.

• EXCLUSIONS: Appliances that are not located in the primary kitchen (i.e. Attached or Detached Garage, Shed, Sunroom, Basement, etc.), haul away fees, items under manufacturer’s warranty, displays or backlighting. Dishwasher - Racks, Baskets, Rollers, Tub and Inner Liners, Hinges, Springs, Latch Assemblies and Soap Dispensers. Oven/Range/Cooktop - Clocks, Meat Probe Assemblies, Rotisseries, Racks, Handles, Knobs, Sensi-Heat Burners will only be replaced with standard burners, Door Seals, Lighting, Handles, Glass, Self-Cleaning Mechanisms and Latch Assemblies. Built-In Microwave - Interior Lighting, Door Assemblies/Glass, Clocks, Shelves, Turntable Platforms, Rollers, Portable Countertop units, Meat Probe Assemblies, Rotisseries. Kitchen Exhaust Fan - Belts, Shutters, Filters, Lighting. Miscellaneous Items - Whole Trays, Lights or Light Sockets, Baskets, Buckets, Rollers, Racks, Handles, Door Seals, Runner Guards, Shelves, Doors, Interior Linings, Timers & Clocks (that do not affect the heating or cleaning operation of the unit), Portable or Countertop Microwaves, Trim Kits, Halogen Units, Refrigerator/Oven Combination Units, Ceramic or Glass Stove Tops, Glass, Oven Door Glass, Range Hoods, Hoods attached to Microwave. Washer/ Dryer - Touchpad Assembly, Plastic Mini Tubes, Soap Dispenser, Knobs, Filter, Lint Screens, Venting, Dials, Interior Thermal Shells, Trim Kits, All-In-One-Wash/Dry Units, Bellow or Boot Seal, Kitchen Refrigerator - any non-accessible refrigeration unit, Wet Bar Refrigerator, Refrigerant Recapture/Recovery/Recharge, Touchpad Assembly. Plastic Mini Tubes, Ice Crushers, Beverage Dispensers and their respective equipment, Display Screens and Monitors, Coffee and Cappuccino units, Interior Thermal Shells, Racks, Shelves, Removable Buckets and Trays, Food Spoilage, Trim Kits, Ice Maker Water Line, Freon or Coolant, Refrigerators not located in the kitchen, Water Inlet Valve.
• LIMITS: Electromagnetic Induction Cooktops replaced with Builder's Standard when necessary. $500 maximum to diagnose, repair or replace Dishwasher, Oven/Range/Cooktop, Washing Machine, Dryer. Microwave Repair Limit $200 (No-Deductible Applied) Reimbursement Only w/Receipt or Invoice. Ice Maker Repair Limit $100 (No-Deductible Applied) Reimbursement Only w/Receipt or Invoice. $300 maximum to diagnose, repair or replace Trash Compactor. $500 maximum limit to repair or replace control boards. $1200 Maximum annual aggregate towards repairs (Kitchen refrigerator, or built-in is subject to $600 per repair limit or buy out). Labor hours available for reimbursement is a maximum of one hour based on industry standards for appliance repair, with a maximum of $75 hour. Labor hours are part of the maximum limit aggregate assigned to each covered appliance.

 

ELECTRICAL SYSTEM

Wiring, Panels and Subpanels, Plugs, Switches and Fuses, Junction Boxes (inside the perimeter of the home), Circuit Breakers, Conduit Ceiling & Exhaust Fans, Garage Door Opener Unit, Attic & Whole House Fans Garage Door Opener- Motor, Capacitor, Eye Sensors, Switches, Receiver Unit, Carriage, Push Arm, Central Vacuum.

• EXCLUSIONS: Light Fixtures and Wireless/Remote Switches or Controls including those on Ceiling Fans, Bulbs, Ballasts, Vents. Removable Attachments, Accessories or Hoses. Telephone Wiring, Heat Lamps, Intercoms, Alarms, Low-Voltage Relay Systems, Electronic or Computerized Energy Management or Lighting and Appliance Management Systems, Doorbell and related Wiring, Chimes, Saunas or Steam Rooms, Smoke Detectors, Upgrades to panel size or Fuse Replacement because of insufficient capacity, circuit overload, permits and code upgrades, utility meter base pans, power failure/shortage or surge, failures and conditions caused by inadequate wiring capacity, corrosion caused by moisture or water damage are not covered, electrical meter base, meter socket and electrical weather head are not covered. Garage Doors, Hinges, Springs, Remote Transmitters, Keypads, Chains.
• LIMITS: Ceiling Fans & Exhaust Fans replaced with Builder's Standard. Limit $250. Maximum Aggregate liability for electrical repairs is $500 per occurrence, $1000 total for the contract term. Panel replacement limited to $600. Central Vacuum limit $350 per contract term.

 

HOTEL STAY COVERAGE

Pertaining to cooling and heating repairs for Buyer coverage and Direct Consumer (Not Seller), HM will pay up to a maximum of $75.00 per night for hotel reimbursement, provided policyholder does elect to stay in a hotel.

The following conditions apply:

1) To be eligible for reimbursement, Policyholder must request service at 502-365-9805 or 1-888-365-9805.

2) HM is permitted 24 hours to complete all required repairs before Policyholder is eligible for reimbursement.

3) Dwelling’s interior temperatures must exceed 90ºF or drop below 40ºF.

4) For reimbursement, Policyholder must mail original hotel invoice (with the hotel authorization number printed on top) to HM (133 Evergreen Rd, Ste 203, Louisville, KY 40243 or email to [email protected]).

5) HM will mail a reimbursement check no later than 30 days after invoice has been received.

6) The maximum annual hotel liability is $300.00

7) Room service, mini bar, movies, phones charges, dry-cleaning or any other room charges will not be covered.

RENEWAL / TRANSFER / CANCELLATION (Service Contracts are Annual)

• TRANSFER:
  This Contract is transferable for a $100 Administration Fee. You must notify HM of this transfer by calling 502-365-9805 or 1-888-365-9805.
• RENEWALS:
  This Contract may be renewed at our discretion. In that event, you will be notified of the prevailing rate and terms of Renewal. Payment Rates may increase upon Renewal. To ensure there is no lapse of coverage, payment must be received prior to Contract expiration. HM has the right to non-renew after first year of coverage. If a two-year contract is in place, the contract holder will receive a refund for 100% of the discounted second year. Memberships issued as part of a real estate closing (Buyer or Seller) that are renewed by member, will convert to a Direct Consumer (Homeowner) membership.
• RENEWAL CONTRACT / INSTALLMENT BILLING:
  If monthly or annual payment contract was previously selected and we elect to renew your Contract, you will be automatically renewed for an additional one-year coverage term unless you notify us in writing prior to expiration sent to [email protected]. In certain cases, you may be permitted, at our sole and exclusive discretion, to pay for your coverage on an installment basis. Should you suffer a mechanical failure covered by this Agreement at a time when there are unpaid installments due from you, whether or not such payments are due or overdue, we reserve the right to deduct all or any portion of any unpaid amounts from the amount of loss covered by this agreement for such incident, or to require payment of the entire remaining unpaid balances prior to covering the loss for you as we deem necessary or desirable. Our failure to exercise any such right on one occasion shall not be deemed a waiver of such right on other occasions. If HM is unsuccessful in debiting monthly funds from Contract Holder’s checking account because of insufficient funds, Contract Holder will be responsible for payment of any additional fees charged by HM or Contract Holder's bank because of insufficient funds. Some forms of payment may incur a handling fee or other service-related fee.
• POST REAL ESTATE CLOSING / FUTURE RENEWAL MONTHLY INSTALLMENTS:
  If a member has just closed on a property and has signed up to pay monthly installments towards next year’s renewal, the monthly payments are fully refundable if non-renewed prior to expiration. If cancellation occurs after yearly expiration date then any excess funds will be returned to the client on a pro-rata basis for the remaining term. Any balance, monies owed to contractors or owed deductibles will be subtracted from the pro-rata funds returned to member.
• CANCELLATION:
  a) HM may not cancel this Contract during the initial term for which it was issued, except for any of the following reasons: (1) the Contract Holder does not pay a fee or charge due under the terms of this Contract; (2) the Contract Holder engages in fraud or misrepresentation of facts material to the issuance of the Contract; (3) an interest in the residential property covered under this Contract is sold, and the Contract is contingent on an interest in the property not being sold, (4) HM and Contract Holder have mutually agreed to a refund of Contract cost in lieu of repairs or to cover dispute. (5) HM may cancel this contract for abuse, misuse, suspicion of fraud or misrepresentation of facts to receive compensation or services on a past or open claim. A return of premium shall be based upon 100 percent of premium, less any claims paid on the agreement throughout the contract term. Any deductibles previously paid would be non-refundable. If Contract is canceled by a homeowner who purchased the warranty themselves, that is not a part of a real estate transaction and they decide to cancel, they should be entitled to a pro rata refund of the paid Contract fee for the unexpired term, less a $100 administrative fee, and any actual service costs incurred by HM. Contract holder is to submit notice of cancellation via email or letter.
  b) If Contract was purchased by Seller for Buyer as part of a Real Estate Transaction, Contract cannot be canceled by Buyer for a refund. If Contract is canceled by a homeowner who purchased the warranty themselves, that is not a part of a real estate transaction and they decide to cancel, they should be entitled to a pro rata refund of the paid Contract fee for the unexpired term, less a $100 administrative fee, and any actual service costs incurred by HM. . Contract holder to submit notice of cancellation via email or letter.
  c) If Contract is canceled by us, cancellation will be effective no sooner than 10 days for paragraphs a.1, and 30 days for a.2 and a.3 after delivery by email or first class mailing of a written notice to the Contract Holder.
  d) ) HM service contracts are annual, but if member has opted to sign up for monthly installments to pay their annual term and member wants to cancel, member will have coverage until the last day of the canceling month and will incur a $100 cancellation fee. If member has had a claim(s) and the amount incurred by HM to service the claim is more than what has been paid in monthly installments, the balance of the claim(s) up to the annual contract amount, will be added to cancelation fee. If the member has paid for the service contract in full and would like to cancel, contract will be canceled at the end of current month they are in and prorated refund will be issued for the remainder of months that would have been left on the contract minus the $100 cancelation fee.
  e) New Member Price Lock is billed monthly and will automatically renew at the same monthly price when the warranty renews. The monthly charge and plan will only be canceled with a written request sent to us at [email protected]. Kentucky Residents Only: This is not a contract of insurance, however, a surety bond written by Great American Insurance Company at 100 2nd Ave. South, Suite 150, Edmonds, WA 98020, guarantees the performance of this agreement. If the service fails to pay any valid claim within 60 days after proof of loss has been filed, a claimant is entitled to make a claim directly against Great American Insurance Company at the address shown above. Ohio Residents Only: This Contract is non-cancelable by purchaser or person entitled to benefit under this Contract.

PROMOTIONAL OFFERS

Unless stated otherwise, all special offers are subject to the following standard terms and conditions:

• Valid only during the current term if, accepted, purchased, or added during mid-term. At expiration offer becomes null.
• Valid only for that annual renewal term if part of a renewal special offer promotion.

DISPUTE / DISCLOSURE / AGREEMENT

• DISPUTE:
  Any dispute arising from this contract shall be brought in a court of competent jurisdiction located in Jefferson County Kentucky. The parties further agree that any such action shall be governed exclusively by Kentucky law and that such dispute shall be brought within 6 months from the date that the dispute arose.
• DISCLOSURE:
  The real estate agent offering this program does so as a service to protect their client’s best interest. They receive no direct commission or compensation from HM. Obligations for repair or service under this agreement are solely those of the service provider and are not the obligation of any real estate firm. The purchase of a residential home warranty service agreement is optional and similar coverage may be purchased through other residential service companies.
• AGREEMENT:
  Signatures by Seller or Buyer are not required to make this Contract binding. Seller accepting Buyer/Seller coverage during listing period and/or offering to purchase home warranty for Buyer acknowledges consent of home warranty. Buyer accepting this home warranty is also expressing consent of said warranty. Seller also acknowledges that he or she has read this home warranty service agreement, including all terms and conditions. Seller hereby represents that known pre-existing defects have been declared to the Buyer and that all items for which coverage is provided are in satisfactory operating condition. Buyer acknowledges that he or she has read this home warranty service agreement, including all terms and conditions, and understands that the services obligation to perform hereunder is conditional upon the truth and accuracy of the statements made in these declarations and upon full performance hereunder by the Seller and the Buyer. Buyer and/or Seller also agree to provide a copy of the home inspection report for warranted property if requested by HM.