6 Holiday Headaches You Can Control with Home Warranty

The holidays can be both joyous and stressful. With a home warranty, unexpected repairs can be fixed by reliable technicians. Save yourself a headache!

While many of us look forward to the holiday season all year, it can also be a time of great stress. In between all that cookie-baking and gift-buying, it can be challenging to get someone to fix your broken dishwasher or HVAC system. Fortunately, there’s a solution for any unexpected breakdowns that might put a damper on your holiday spirit: a home warranty plan.

home warranty is an excellent way to protect your home from unforeseen and unexpected expenses. The Home Warranty Plan is a one-year service contract for the repair or replacement of covered home system components and appliances that typically break down over time.

Take a look at these five common holiday season headaches that can be easily managed with an Home Warranty Plan.

1. Finding reliable help around the holidays

It can be just as challenging to find reliable home-repair help during the busy holiday season as it is to get that Thanksgiving turkey just right. With a home warranty plan, you’ll have access to industry-leading expertise 24 hours a day, 7 days a week, 365 days a year. CoverageInsure will find the right licensed personnel and eliminate the need for you to locate qualified help during the busy days leading up to and during the holidays.

2.Unforeseen expenses 

Repairing something as major as your home heating system could cost you thousands of dollars. Such a huge expense can be stressful at a time when you’re already spending money on gifts, food, decorations and other miscellaneous holiday expenses. But with a home warranty, you’ll only need to pay the monthly fee along with a trade service call fee, which is a fixed amount that's easy to plan for.

3. Dealing with insurance companies

With a warranty plan, you can skip the whole process of filing claims and deal with insurance, and spend that precious time shopping, wrapping gifts, cooking delicious meals, or decorating your home with family and friends.

4. Playing host with a broken appliance

A broken dishwasher or refrigerator can really put a damper on your holiday festivities. A home warranty plan offers an expedited repair process on covered items. You no longer have to worry about a crisis caused by appliance or system breakdowns at a time when your house is swarming with guests.

5. Paying the full cost of repair or replacement

In the event of a breakdown, insurance usually reimburses the value of the item minus depreciation. This means you will not be reimbursed the full amount paid at the time of purchase. With a warranty plan, you won’t have to pay for the actual repair or replacement of covered items, and your contract will cover repair or replacement of covered items regardless of age, make or model.

6. Not enough time to coordinate home repairs

Finding reliable help that suits your budget, following up and replacing parts all involve a considerable time investment. Since the costs associated with repair and replacement are so high, it is not possible to skimp on the research and effort needed to get a satisfactory solution. A warranty plan will save you time when you need it the most this busy holiday season.

Does An Extended Auto Warranty Cover Overheating?

When you are choosing an extended auto warranty program is important to look through the various exclusions of the policy you are purchasing. Most reputable auto warranty providers make their inclusions and exclusions clear and concise and have no mixed wording to confuse a repair shop or customer. However, some of the shadier companies out there, typically without a direct underwriter to get out of many different claim situations.

Overheating is a good example of this. Some companies will exclude any repair, even if it has nothing to do with the vehicle overheating if there is any sign that an overheat has occurred. More reputable providers will cover the failure of any covered part as long as owner negligence did not close the failure. Owner negligence in reference to a vehicle that is overheated would be if a driver would continue to operate the vehicle even after the gauges or warning lights have come on. This would obviously cause additional damage to the vehicle from continued operation after the overheat and would not be covered by any warranty program. So in conclusion, it is not overheating that is not covered by a quality auto warranty program, it is the damage caused to the vehicle by the continued operation after the vehicle has overheated.

To be sure you get one of the highest quality auto warranty is available you can request a quote from Auto Advantage or other A+ rated and BBB accredited warranty companies.

 

Do Research Before Buying An Auto Warranty

When most people research auto warranties, they mainly look at price. Everyone is looking to get the best rate possible on an auto warranty. However, though price may be important, it should not be the deciding factor when you make the final purchase.

When you look into buying a warranty, it is important to ensure that you buy one that is great quality. In order to get the most out of your auto warranty and to make a smart purchase, here are two very important things to take into consideration when you do your research:

First off, consider the price. Price is an important factor when you make any purchase. However, when it comes to warranties, it is important that price is not the only thing that you look at.

Secondly, make sure you research the company thoroughly. Is the company reputable? Is it an established company? Are they visible online? Are their contact details easily and prominently located? And lastly, is the company accredited and does it have a high rating with the Better Business Bureau?

10 ways to save money around the house



Have you ever considered how many ways you can save money around the house? Here are 10 of them:

1. Unplug your electronics at night
According to the U.S. Department of Energy, the average U.S. household spends about $100 per year to fuel appliances left on standby mode. Save some money by plugging your devices into power strips and switching them off before bed.

2. Collect spare change
That loose change you find around the house can really add up. Start collecting coins, and then take them to the grocery store to exchange for dollars at the end of every month.

3. Use what you already have
Instead of going on a shopping spree every time the refrigerator seems bare, browse through the pantry and eat the items you already have.

Browse your pantry before making that emergency trip to the grocery store.

4. Start clipping coupons
If you collect the newspaper and have time to set aside on a Sunday morning, start clipping coupons. But don’t just use them to buy something because it’s on sale and seems like a great deal – only make the purchase if it’s an item that won’t go to waste.

5. Grow your own herbs and vegetables
Why buy herbs and vegetables when you can grow your own? Even if you don’t have room for a full garden of veggies, U.S. News & World Report said you can likely find enough space inside or outside to plant herbs. Try growing your own dill, basil and mint to save money and spruce up your dishes.

“Baking soda and vinegar can sanitize most of your appliances.”

6. Clean with baking soda
Who needs expensive cleaners when you have baking soda? You can replace most chemicals when you mix a natural solution of baking soda and vinegar. The combination can clear out a clogged drain, remove dirt and grime from your kitchen sink and sanitize most of your other home appliances.

7. Use a programmable thermostat
By using a programmable thermostat, you can set your heating and cooling systems to turn down when you’re gone for the day. The Environmental Protection Agency said this update can save you up to $180 every year in energy costs.

8. Consider streaming
With all of the options you have for online streaming nowadays, you might want to give it a try. Consider lowering costs by joining , two options that you can access on your laptop or other connected devices.

9.  Seal your windows and doorways
By sealing your windows and doors, the EPA estimated that you can save about 15 percent on heating and cooling costs every year. Consider adding insulation in the attics and crawl spaces, and use caulking to seal any cracks in your window and door frames.

10. Invest in a CoverageInsure Home Warranty
What happens when one of your heavily used appliances breaks down? You can’t just avoid getting it repaired or replaced. But that doesn’t mean you’ll have to put down an entire paycheck to get it up and running again. When you invest in a CoverageInsure Home Warranty, you’ll receive a plan that helps cover the cost of repairs or replacements in your major appliances and systems. With a home warranty, you can rest assured knowing you won’t have to hand over an arm and a leg when an issue occurs.

Auto Warranty Scam Warning

 

It has been reported that a variety of companies and marketing firms have been making unsolicited calls to offer customers an automotive extended warranty. When a customer is told that the warranty is about to expire, if they are not educated to the warranty business or their vehicles coverage may sometimes believe anything a telemarketing agent says. Unfortunately, in almost every case they are creating this information out of thin air with the hope that they can scare or pressure a customer into purchasing warranty coverage for their vehicle. This is obviously a dishonest practice but is borderline illegal as well.

It is also been reported that a variety of third-party companies have been sending a postcard a flyer in the mail with the same general information hoping to coax a customer into calling them so they can attempt to sell them warranty coverage. This process is a high-pressure process, usually involving several levels of sales professionals to try and close the deal.

What these companies never tell you is that in many cases, your car may still be covered by an existing warranty as they have no knowledge of the vehicle’s actual existing warranty status.

Also, there are many levels of warranty coverage that are available that are generally not explained in clear detail to a customer. They simply sign you up, collect your money, and then send you documentation later where you find out there are many loopholes that would allow a claim to be denied. This is assuming the company even has a claims department and any legitimacy at all.

In most cases, you may have simply given money for a product that either doesn’t exist or is not an actual insurance company product.

If the company does have any legitimacy, not having an underwriter simply means that in the event that they have any type of claims activity at all, they can easily be wiped out as they very rarely leave much money in a claims fund to protect the consumer.

The bottom line is a customer’s best option is to reach out to a legitimate warranty provider that is directly underwritten by a US-based, “A” rated carrier. The other option, of course, is to visit a local dealership and find out what they are offering. The downside to this is that dealerships are generally 50-100% more expensive the same level of coverage you can get in the automotive warranty aftermarket.

The bottom line is you will almost never hear a radio ad or receive a notice by mail from any legitimate warranty company so buyer beware!

 

 

Roof Repairs: What to Look For and What's Covered

Your roof is your home's first line of defense against the outside elements. Everything from wind, rain, ice, snow and the sun are constantly being weathered by and weathering your roof.

Home warranties, or home service contracts, claim to cover everything under your roof. But do they cover the roof itself?

In the case of roof coverage, there are usually specific repairs the home service contract will cover, or not. With the disclaimer that most home warranty companies offer roof repair as an optional add-on, some cover it as part of their standard plans. The scope of coverage by most service contracts that offer roof repair as an option include leak repairs or shingle replacement, but no home service contract (that we've come across) offers a roof option that would cover the complete re-roofing of a property.

Roof Repair Coverage Options and Limitations

Home service contracts come in a variety of plan options. Oftentimes, they cover specific appliances or systems and exclude most parts of the structure of the home, like windows, the roof and the interior and exterior components of the walls. Some plans cover one or two items, like a dishwasher and garbage disposal, while others are very inclusive to the extent that your roof and other structural elements are covered, however usually with limitations. The key is to read through the details, because the one common denominator in all home service contracts is that they are all very different.

Other stipulations include coverage periods for different parts of the home. For example, the foundation may be covered for a different period of time than the roof or other structural elements. Also, some home service contracts start on an activation date that is pre-selected by the homeowner, which may be different from the date the contract was actually purchased on. Some companies also require a waiting period, such as 30 days after purchase, before claims can be made. Again, read through the details carefully.

Roof Repair Scams to Be Aware Of

Part I: Gaining Access

Roofing contractors as an industry ranked number one on the Better Business Bureau's 2016 Compliant and Inquiry Statistics report for the sheer amount of inquiries made by consumers last year. Out of the thousands of industries ranked, roofing contractors ranked number 22 based on complaints.

To put these figures in perspective, painting contractors ranked number 21 based on inquiries and number 120 based on complaints. Home builders ranked number 8 based on inquiries and number 32 for complaints.

When it comes to roofing contractors, be aware of who you entrust your home with, and be especially aware of these roofing scams:

Storm Chasers

Has your area recently been hit by a hailstorm or a rainstorm? If yes, then you may have been contacted by a roofing contractor to fix your damaged or leaking roof at a great discount, or at almost no cost. They do this by helping homeowners claim insurance money for repairs that don't need to be made. This is a kind of scam that is being perpetrated widely across the U.S. A well-dressed professional may knock at your door and offer you a free inspection of your roof, claiming it has most likely been damaged by the recent storm. They may also tell you that your roof is in danger, and share they've recently repaired nearby properties that have suffered similar roof damages. Furthermore, they may offer you cheap construction materials, claiming they recently repaired similar structures nearby and have leftover materials. 

The Flyer

Another method adopted by these roofing contractor cons is to make contact with prospective customers by leaving flyers on doorknobs or in mailboxes. The flyer will typically advertise a 'free roof inspection' or 'roof repairs at zero cost' by offering to assist customers in filing illegitimate claims with their insurance companies for repairs they don't actually do. These people normally target storm hit areas, senior citizens and people with disabilities who cannot climb up to their roofs to inspect them for themselves.

Showing and Creating False Damage

Once contractors gain access to a roof, as part of their 'free inspection,' they climb up to assess the status of the roof. If there isn't any damage they either create damage using tools, or claim the shingles are weak or poorly attached. Even worse, they sometimes show pictures of damaged roofs taken somewhere else and pass it off as the prospective customer's damaged roof. The contractor then insists on fixing it immediately in order to avoid additional damage or will cite forecasted bad weather coming soon.

Part II: Payment Options

Once these faux roofing contractors convince people their roofs are in dire need of repair, they move onto payment options.

Some of the common terms and discounts they advertise are:

Discounted Material

Some contractors will offer discounts ranging from 20–30 percent off the estimated cost for materials by telling customers their supplies are from previous work. The leftover materials are available at discounted prices while their team is in the neighborhood, and they'll pressure customers to act immediately.

Insurance Fraud

This is one of the most widely occurring roofing fraud types across the U.S. Here, the roofing contractor offers to inflate the bill and charge it to the insurance company on behalf of the customer. They'll also offer to reimburse the customer for their insurance deductible, so in the end, the customer ends up paying nothing at all. Some people get duped by this free service offering, but what they may not realize is that this is insurance fraud and can be damaging to both the contractor and the customer.

Pay Upfront

The contractor insists the customer pays the full amount for the repairs up front. Some will indicate they need this in order to purchase the necessary supplies or ask for a minimum of 50 percent down in order to allot the crew for the repairs. Whether it's 100 percent or 50 percent, once they receive payment, some contractors will disappear completely. Contractors who do this frequently avoid detection by moving or operating in different regions or under different business names.

Part III: Protect Yourself

It is crucial for customers to be alert and diligent when engaging roofing contractors to fix a damaged roof, or a roof a contractor is claiming to be damaged.

Some measures homeowners can take to avoid roofing contractor scams are:

  • Speak to neighbors to ask if they have roof damages and if they've recently had them repaired.
  • Verify the credentials and the business license details of the contractor before signing a work agreement.
  • Ask the contractor for local references or testimonials that can be verified by phone and email.
  • Check with your insurance agent and/or home warranty company to see if roof damages are covered under the insurance policy or home warranty plan, and if the company performing the repairs is valid and in existence.
  • Make sure that all verbally agreed upon points are covered in the written contract with the roofing contractor and that documentation for all repairs is properly noted.
  • Investigate the track record of the roofing contractor you're considering hiring – check online reviews and references personally.
  • Collect a business card from the contractor; if a business address is listed, consider stopping by the office.

In Conclusion

One of the best features of home warranties, especially as it relates to roofing contractors, is that contractors servicing home warranty companies and their clients are:

  • Pre-screened for licensing and insurance as required by their respective states
  • Regularly monitored and evaluated for their performance
  • Graded and rewarded for the quality of their work
  • Backed by the home warranty company on covered repairs

Using a contractor through a home service company instead of someone off the street advising you on repairs you need will drastically mitigate potential scams you may fall victim to by a random roofing contractor soliciting you.

While some home warranties offer limited roof protection and leak coverage, it's important to remember that no home warranty will cover any pre-existing conditions. The roof protection and leak coverage options available through home warranties are rare and fairly limited. Most cover patches for small leaks, and none (that we know of) cover partial or entire roof replacement.

Chances are, if you are purchasing a home warranty solely for its roof repair and protection options, you will not be very satisfied. Home warranty contracts work best when properly used and understood, which is why it's important to compare plan details.

You Can Benefit From Used Cars And Used Car Warranties

 

Generally, you can receive a better value when buying a used car. This is especially true for later models. Used cars are cheaper to buy and ownership expenses, like taxes and collision insurance, are also less expensive. Also, you can get a car that is better equipped when you purchase one that is used.

Due to an improvement in reliability, there has been a large increase in consumer appeal to buy used cars. Issues that concerned consumers such as exhaust and rust problems are a thing of the past. Studies have shown that these problems have decreased significantly since 1980.

Even though there has been an increase in reliability, it is still important to take into consideration the cost of repairs and maintenance. Many used cars have either a warranty that is almost up, or has no warranty left at all. Therefore, motorists find themselves paying for these expenses out of pocket. However, purchasing used car warranties are a good way to solve this issue.

Overall, buying a used car is a good way to save money. Also, consumers can get a car that is both affordable and has a variety of great features. No matter which car you choose to buy, make sure to buy an auto warranty that can cover the costs of repairs and maintenance.