Unfortunately I had a ac unit and a hot water heater go out on me two months after my policy became effective. HMS denied both claims stating some bs about they did not work properly before I took out my warranty.
Everything worked fine and these things just stopped working.
It says that they replace or fix no matter the age. I’ll be looking for a refund on the 400 of deductibles and premium dollars on Monday and well as calling them out every chance I get on social media.