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Old Republic Home Warranty Sucks  
User currently offlineEA CO AS From United States of America, joined Nov 2001, 13560 posts, RR: 62
Posted (6 years 1 month 2 weeks 6 days ago) and read 2716 times:
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Following the purchase of our home in 2005, my realtor hooked us up with a home warranty through Old Republic Home Protection (ORHP). For a $55.00 fee, just about anything under the sun that went wrong would be covered for repairs. Good deal, right?

So one year we had a plumbing problem, and a plumber came out.

The next year, nothing - but at least we had the peace of mind of knowing we were protected.

Then our water heater went out. No prob - $55.00 later we had a new unit.

Finally, a year ago our air conditioner went out on a Saturday afternoon at 3pm. I called, and since we live in Arizona and it was 115F that day, we were told we'd get priority, emergency handling and a callback within a few hours.

Didn't happen. I had to make call after call over the next 12 hours, finally getting a rep to send someone out who told me the a/c was shot and needed to be replaced.

The rep at ORHP said basically, "That's nice, but no - we'll give you credit toward a new one. We won't replace it outright."

Finally after going to the CEO's office, I got a callback from a Manager who apologized over and over, admitting they'd dropped the ball and their service people had a number of training opportunities thanks to their missteps.

She eventually authorized me to be reimbursed for about $1000.00 of the nearly $4500.00 we paid out to have the condensing unit and air handler replaced, and had me work with her directly for any other problems.

Fast-forward to today, and I'm calling to renew my coverage. The rep looks up my account and says, "I'm sorry Mr. EA CO AS, I see that we're not allowing you to renew. You've had a lot of work done."

I said, "Okay, let me make sure I understand this correctly - you are refusing my business after taking my $600.00 per year for the last 3 years because I had the nerve to rely on the coverage you provide?"

He told me that technically speaking they have the right to refuse someone's business (which I don't deny), but WOW - can you believe this crap?

I simply told him, "Y'know, after the unbelievably poor service I received last year, I've been going back and forth on deciding whether or not I should give Old Republic another chance. You've made my decision for me, so in a way - I should thank you! Rest assured I will not hesitate to share my negative experiences with your company with everyone and anyone I know, however. Thank you for your time."

So I'm researching other vendors. Any suggestions for good home warranty companies - if any exist? I've heard good things about American Home Shield so far, along with a few other local ones.


"In this present crisis, government is not the solution to our problem - government IS the problem." - Ronald Reagan
13 replies: All unread, jump to last
 
User currently offlineDougloid From , joined Dec 1969, posts, RR:
Reply 1, posted (6 years 1 month 2 weeks 6 days ago) and read 2703 times:

Was your home new construction?

User currently offlineEA CO AS From United States of America, joined Nov 2001, 13560 posts, RR: 62
Reply 2, posted (6 years 1 month 2 weeks 5 days 23 hours ago) and read 2693 times:
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Quoting Dougloid (Reply 1):
Was your home new construction?

No, it was built in 1983.



"In this present crisis, government is not the solution to our problem - government IS the problem." - Ronald Reagan
User currently offlineRoadrunner165 From United States of America, joined Oct 2000, 874 posts, RR: 9
Reply 3, posted (6 years 1 month 2 weeks 5 days 23 hours ago) and read 2687 times:

If I were the insurance carrier, I would not renew your policy either.

Sounds like your house is too much of a risk to insure. Remember, insurance companies want to make money! plain and simple.



Adam


User currently offlineCadet57 From United States of America, joined Jul 2005, 9085 posts, RR: 30
Reply 4, posted (6 years 1 month 2 weeks 5 days 23 hours ago) and read 2684 times:



Quoting Roadrunner165 (Reply 3):
If I were the insurance carrier, I would not renew your policy either.

3 issues is bad? Hell, in my life in both houses i've live in i can remember at least 2 new water heaters and a plumber once. Its called owning a home. Stuff goes wrong. I doubt an insurance company would drop you because you called a plumber. Hell, if they dropped people for calling plumbers and needing water heaters, there might not be any people left to insure!  Wink



Doors open, right hand side, next stop is Springfield.
User currently offlineAirCop From , joined Dec 1969, posts, RR:
Reply 5, posted (6 years 1 month 2 weeks 5 days 22 hours ago) and read 2665 times:



Quoting EA CO AS (Thread starter):
So one year we had a plumbing problem, and a plumber came out.



Quoting EA CO AS (Thread starter):
Then our water heater went out. No prob - $55.00 later we had a new unit.

You got canceled because you were submitting for small stuff..which is nothing more than normal operating expenses on a home. Regarding the a/c home warranty companies hate them, will only try to patch them up, when they need to be replace.

I use American Home Maintenance in the Phoenix Area. They offered free 10 year service (parts and labor) when we replaced our a/c a few years ago, and very six months they are out here servicing it. I've used them for other things that broke in the house. Very dependable.


User currently offlineEA CO AS From United States of America, joined Nov 2001, 13560 posts, RR: 62
Reply 6, posted (6 years 1 month 2 weeks 5 days 22 hours ago) and read 2658 times:
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Quoting Roadrunner165 (Reply 3):
If I were the insurance carrier, I would not renew your policy either.

Sounds like your house is too much of a risk to insure.

 redflag 

If anything, we're less of a risk now - the high-risk, high-cost items are water heaters and air conditioners, both of which are BRAND SPANKING NEW and will not likely need any service for multiple years.



"In this present crisis, government is not the solution to our problem - government IS the problem." - Ronald Reagan
User currently offlineDougloid From , joined Dec 1969, posts, RR:
Reply 7, posted (6 years 1 month 2 weeks 5 days 20 hours ago) and read 2649 times:



Quoting EA CO AS (Reply 2):
Quoting Dougloid (Reply 1):
Was your home new construction?

No, it was built in 1983.

If it was the original air conditioning unit I am not surprised it died. You all work them to death in your corner of the world. Here they get a nice six month layoff. Our house was built in 1963, and it still has the original furnace, but not for long. The AC compressor was built in 1993, and it's working fine, gets a 20 degree drop from duct to room temperature ambient.

We've got an insurance p[roduct like you identified and I hope I never need to use it.


User currently offlineEA CO AS From United States of America, joined Nov 2001, 13560 posts, RR: 62
Reply 8, posted (6 years 1 month 2 weeks 5 days 19 hours ago) and read 2640 times:
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Quoting Dougloid (Reply 7):
Quoting EA CO AS (Reply 2):
Quoting Dougloid (Reply 1):
Was your home new construction?

No, it was built in 1983.

If it was the original air conditioning unit I am not surprised it died.

I can only imagine that the previous owners had the same sort of Home Warranty that I did, as the technician was shocked to see what condition it was in - it had been "MacGyvered" together over the years with all sorts of other used and remanufactured parts to the point where it was sort of a Frankenstein's Monster of a unit, and the various components were all different ages and conditions.


In speaking with various a/c technicians over the past year, they all roll their eyes when you mention the phrase "home warranty" - seems they're really good at promising to fix and/or replace something if it fails, but in practice they're only interested in spending the absolute bare minimum to keep your machine running.

One technician told me how the same company insisted on a repair using a remanufactured part that was literally $50.00 cheaper than a brand new unit would have been. I can understand the need to save money where necessary, but that was just ridiculous!



"In this present crisis, government is not the solution to our problem - government IS the problem." - Ronald Reagan
User currently offlineRoadrunner165 From United States of America, joined Oct 2000, 874 posts, RR: 9
Reply 9, posted (6 years 1 month 2 weeks 5 days 18 hours ago) and read 2631 times:



Quoting EA CO AS (Reply 6):
If anything, we're less of a risk now - the high-risk, high-cost items are water heaters and air conditioners, both of which are BRAND SPANKING NEW and will not likely need any service for multiple years.

You may be low risk now, but in the past you have demonstrated an unwillingness to complete preventative maintenance on your home. Or at least thats how it appears to the insurance carrier, if they can not make a good return on your money, why insure you?
Insurance is a silly industry. Not saying what they did was right, but they are well within their rights.

Adam


User currently offlineDougloid From , joined Dec 1969, posts, RR:
Reply 10, posted (6 years 1 month 2 weeks 5 days 9 hours ago) and read 2617 times:



Quoting EA CO AS (Reply 8):
I can only imagine that the previous owners had the same sort of Home Warranty that I did, as the technician was shocked to see what condition it was in - it had been "MacGyvered" together over the years with all sorts of other used and remanufactured parts to the point where it was sort of a Frankenstein's Monster of a unit, and the various components were all different ages and conditions.

Sounds like it was a troublemaker from the git go. Like I say you guys use them a lot more than we do here. The AC season is usually from June 1 to October 1. In the rental I used to live in the AC compressor died one hot night, and it was the original Kent unit from 1966. That was in 2003.

Ours is a 1993 Goodman and its days are of course numbered, but it does not get used real hard.

We're investing in a new furnace next week thanks to Uncle Sugar, and the contractor is going to set up the ductwork looking forward to the time we need a new AC.

The furnace is an Amana 95 per cent efficiency duplex burner job, and it doesn't even require a flue because the exhaust gas temperature is only about 120 degrees. They simply send it outside with a chunk of PVC pipe. The installed price is about $2,300 and it qualifies for a tax credit and a rebate from our utility provider.


User currently offlineType-Rated From United States of America, joined Sep 1999, 4995 posts, RR: 19
Reply 11, posted (6 years 1 month 2 weeks 5 days 8 hours ago) and read 2608 times:

When hurricane Rita glanced the Texas coast it blew down a lot of our fencing in the backyard. It would have been $3K to replace it all. I tried to file an insurance claim to help with the cost and the agent "strongly recommended" that I don't file the claim. She said that this would be considered a "nuisance" claim and that if I had another one, I'd probably get canceled.
She explained that home insurance isn't for the little stuff, it's only for major items like a tornado, fire, explosions and similar disasters.

It kind of gives you a false sense of security...



Fly North Central Airlines..The route of the Northliners!
User currently offlineEA CO AS From United States of America, joined Nov 2001, 13560 posts, RR: 62
Reply 12, posted (6 years 1 month 2 weeks 5 days 7 hours ago) and read 2601 times:
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Quoting Type-Rated (Reply 11):
When hurricane Rita glanced the Texas coast it blew down a lot of our fencing in the backyard. It would have been $3K to replace it all. I tried to file an insurance claim to help with the cost and the agent "strongly recommended" that I don't file the claim. She said that this would be considered a "nuisance" claim and that if I had another one, I'd probably get canceled.
She explained that home insurance isn't for the little stuff, it's only for major items like a tornado, fire, explosions and similar disasters.

It kind of gives you a false sense of security...

I can understand that, but at least homeowners insurance is advertised as such - these home warranty companies bill themselves as service providers, not insurance. And as a service company, you'd think they'd be in the business of - oh, I don't know - actually providing SERVICE!

When my a/c crapped out, it was on a Saturday afternoon. Each time I called I was told I'd get priority handling, they were on it, and would be having a contractor contact me immediately.

Of course this took multiple DAYS to get resolved. The temperature in my house rose to 100F, each night my wife and I were sleeping under wet towels with portable fans blowing on us to keep cool, and our cat was sprawled out on the tile and looked like she was dead. Each time we spoke of going to a hotel, the company assured us that a contractor was coming within 2 hours - so why bother, right?

Well again, turns out they were lying, and honestly, they lied about a great many things. Even the contractor they sent finally said, "I don't kniow why you guys bother with these people - we've told them flat-out your unit needs to be replaced and they're giving us the run-around on how much they'll authorize, where to find the cheapest replacement parts - even though it'll take two days to use their part, our part is on the truck and costs only $100.00 more."

And yes, I offered to pay the difference - didn't help. The only way to get them to do the work right then was to do the 'cash out' option and use that to pay down part of the cost of a whole new unit.

Damn, I'm getting mad again just thinking about this - SCREW YOU, OLD REPUBLIC!



"In this present crisis, government is not the solution to our problem - government IS the problem." - Ronald Reagan
User currently offlineType-Rated From United States of America, joined Sep 1999, 4995 posts, RR: 19
Reply 13, posted (6 years 1 month 2 weeks 4 days 20 hours ago) and read 2578 times:



Quoting EA CO AS (Reply 12):
Of course this took multiple DAYS to get resolved. The temperature in my house rose to 100F, each night my wife and I were sleeping under wet towels with portable fans blowing on us to keep cool, and our cat was sprawled out on the tile and looked like she was dead. Each time we spoke of going to a hotel, the company assured us that a contractor was coming within 2 hours - so why bother, right?

This alone would have me so po'ed that I wouldn't be able to sleep under those conditions!



Fly North Central Airlines..The route of the Northliners!
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