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Select Home Warranty Reviews - Will Not Honor the Policy They Issued | PissedConsumer
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Apr 3, 2024
Select Home Warranty Review: "I was informed, by email, that I needed to find my own contractor. It gave details regarding a pre set Authorization limit of $100 for repairs. I had a contractor come out on 9/7. An update to the claim was submitted to Select. I was called by the contractor and informed of the dollar amount to repair and the amount they are willing to pay. I called Select Home Warranty and they directed me to section 10.1 of my policy. They claim that my policy states that because I am still within the first 90 days I am only entitled to $150. My policy states no such thing!..." Read the full Select Home Warranty review on PissedConsumer: https://select-home-warranty.pissedconsumer.com/review.html#move-to-review-5261071 #OnlineReviews #PissedConsumer #selectedhomewarranty If you are a company representative and would like to get in touch with this consumer in order to resolve the issue, please let us know: https://www.pissedconsumer.com/contact/business-inquiry.html If you are a pissed consumer and would like to create a similar video and try to resolve your issue, please let us know: https://www.pissedconsumer.com/contact/media-inquiry.html Support PissedConsumer video interview project: https://www.pissedconsumer.com/donate.html š Subscribe to PissedConsumer social media accounts: Facebook: https://www.facebook.com/PissedConsumerCom/ Instagram: https://www.instagram.com/pissedconsumer/ Twitter: https://twitter.com/pissedconsumer
View Video Transcript
0:00
After doing some diligent research, I decided to leave my previous
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Halargey Company and I decided on select. That was in April. I made the phone call
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I paid the full premium and I never received anything via email
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So come June, I reached out. I asked. I said I never received a receipt
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I got their phone number off of my billing statement. And so I was sent an email with a contract
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I probably should have got the contract before we had this conversation, but I pulled it by my phone. I looked over the contract, didn't see any problems, you know, first time customer, no issues
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I proceeded to file a claim. The first initial claim was denied because they told me the spigot that is attached
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to the outside of my home is not covered. Couldn't understand why
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It's all the same water. I let that go. I filed another claim for my HBA C unit
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The contractor came out. I paid my deductible. And lined you in all of these conversations
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that I've had with customer service reps, no mention of a three-month 90-day adiot is mentioned
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I call a third time to file a claim for my poll, and I do believe that was in August
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I spoke with the representative just to make sure that it was covered because it just seems as if all the other times I called about simple things, it wasn't covered
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So I just wanted to make sure that it was covered. They confirmed that it was covered
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They said that they were open the claim and dispatch a service tech
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after almost about a week, they sent me a message, she told me to find my own person
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So I did. I got a pool company to come out. Do the estimate
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Let me know how much it was going to cost. It's going to cost over $600 to fix my pool
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I gave him authority to speak with Select. He called me and said, hey, you might want to talk to them because they're talking about
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they're only going to cover at $150. I'm like, what are you talking about
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That's not what my contract states. So I call them and I get a representative who proceeds to tell me that in a particular section in my contract, it's like 10.1, 10% or something, I'm going to pull it while we're talking
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That within the first 90 days of my contract being in effect that I'm only eligible for up to $250
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And I'm like, that's not what the contract you sent me says. they said, oh, well, you have the wrong contract
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The contract that I have was for people who enrolled after June
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Not my problem Based on this contract there is verbiage that says that this contract is binding and that nothing before it matters
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Like, oh no, let me send you a new contract. I told him you cannot send me a different contract
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in the middle of a claim. You can't do that. So we went back
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and forth. They proceeded to tell me that they were only going to still cover
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$150.00. So, of course, I asked to speak with a manager, which a manager did call me, and he was extremely rude
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He wound up hanging up on me, but calling back and saying that he didn't hang up on me
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That's why he called back. He didn't want me to think that. And I was like, no, that's exactly what I thought
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So in the middle of our conversation, he got Will Abrace it, cut me all, and was like, pretty much take this $150 to leave it
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And I was like, no, I need yours to be. advisor. And he hung up on me again. So I filed a claim with the Better Business Bureau and we've
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been going back and forth. They're still standing on this whole $150. Now, the contract that I'm looking
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at currently and I'm going to have to put my glasses on and read it to you states nothing per what they
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stated. So after going back and forth with them, the Better Business Bureau closed the case because
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they said we could not come to a resolution and gave me some other options on how to
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proceed with this. Well, just the other day, they had the nerve and audacity to send an email
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to the Better Business Bureau and say, I forged the document and listed all of the times I logged
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into the website. Every time I logged into the website. Now, remember, I mentioned I had three
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claims. I logged in three times. In order to file the claim, you have to do the claim online
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So those are claims that I initiated. And they literally said, I forged a document. I was like, you have got to be absolutely kidding me. So I turned around and I forwarded the email
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I forwarded the email directly, the one they sent me in June, to the Better Business Bureau. I'm waiting to hear back from them in regards to that
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But this company has gone above and beyond to negate their responsibilities as far as this contract is concerned
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So they keep leading me to 10.1 in my contract. Now this is the one that they initially sent me
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And 10.1 reads as follows. This is the selects liability. It says dimensions, brands and color limits
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Select will not be responsible for matching a system or appliances color, brand, or dimensions
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And only is responsible. for repairing and or replacing systems or appliances of similar builders grade
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The following guidelines will be implemented to provide a repair replacement allowance For heating or cooling equipment HVAC the repair replacement allowance is
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For appliances, plumbing, and electrical, not heating or cooling, the repair replacement allowance is $500
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For additional coverage options, the repair replacement allowance is $400. If Fri-on coverage is selected as an option, the limit is $200
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Furthermore, you agree that during the first 30 days of coverage, no coverage will be provided for the replacement of entire systems or appliances or evaporator coils
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condenser coils, compressors, control boards, motor, any kind. is all that my 10.1 states
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And then I keep bringing to their attention that let's see, in Section 1, it states
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this agreement is a legally binding document between you and select. This agreement constitutes the entire
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and only agreement between you and select. This agreement supersedes all prior
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or contemptuous moment. contemptoramious, I probably slaughtered that word, but in any rate agreements
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representations, warranties, and understandings between you and select. This agreement provides your home service contract
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This agreement provides for, excuse me, home service contract services only and should not be confused with an insurance contract
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Your home service contract remains with the covered property and cannot be transferred to a different home except as provided under the transfer of agreement section below
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This agreement covers household appliances and systems when they become inoperable due to normal wear and tear
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This agreement sets forth all of the household appliances and systems covered under this agreement
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and the specific items that are excluded from coverage. In the event an appliances system is not mentioned in this agreement, it will not be
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be covered under this agreement. Please read the entire agreement before retaining the services
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of select, which I did. Now, let me explain to you the funny part about the pool. So they said
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within the first 90 days, that claim was filed one day before the 90-day mark. So if my contract
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has stated that anything done within the first 90 days was only eligible for $150, would I not wait
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until the day after to call and file the claim. And I keep telling them, like, I'm not stupid
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I would not call you within 100 and within 90 days to only get I wait until my contract like you not making any sense So with that being said my pool I still waiting to be compensated actually for my pool
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because I had to get my pool fixed. I'm still waiting to be compensated
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We are going back and forth, and they still want to stand on the contract that they just sent me via email
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And Sarah, her name is Sarah. Sarah's the person who sent the email to the bank
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Better Business Bureau stating that it was forged. I'm like, okay, okay
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They sent it in November, and I refuse to download it, so I have to find the email
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So in their section of 10-1, which states the select liability, they're stating, so remember
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I said after the first, okay, so after $3,000, after the first three months of
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For appliances, non-heating or cooling, the first three months, a $150 repair replacement allows will be paid to the customer
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The repair placement, now this $150 repair replace is placed into the contract
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which, again, was not in the original contract that they sent me
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So it's like they just, they propped it in after each segment. So HVAC, $500, $150
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after three months, $150. So this was not in the contract. And I'm like, you cannot send me a quote unquote new contract in the middle of a claim
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My name is on it. My policy number is on it. Okay
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The effective date is on it. How are you going to change it in the middle of a claim because you don't want to pay for my pool
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Oh, well, you got the wrong policy. Well, that's not my problem
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you need to train your people better, but according to what I have, what we have is legally binding, and you cannot change it
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So that's where we are. Currently, disputing, I'm being called a fraud by Select
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And I want justice for this, because this is absolutely ridiculous. I want Select to take responsibility for the fact that you sent me a contract
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You need to honor the contract. Now, I've put out the money to have my pool replaced
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I need to be compensated for having my, not the pool, but the loader
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I need to be compensated for having the motor replaced in my pool
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I mean, I haven't even gone as so far as to have them reimburse me for my deductible as
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and yet because I don't want them to think that any of this is okay. I'm not okay with anything that's going on right now
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So they need to go ahead and honor it. and they need to honor it for the full term of this contract
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You don't get to switch my contract in the middle of the contract
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