OMG!!! American Home Shield is horrible!!! This is the worst company I have ever encounter in my adult life. They will promise you the world of service to sell their policy; but when you needed help, they gave you song and dance but no service.
My hot water heater tank went out and they sent a plumber to check it and he said it couldn't be repaired, but it must be replaced. The estimation for the replacement was $1,400 and American Home Shield would only pay $250. What kind of an insurance is this??? I was told if an item is broken and can't be fixed; it will be replaced, no question asked. Why pay the premium and still have to pay this huge sum? REDICULOUS!
I was offered a "cash out" option of $195. With this option, I have to get a licensed plumber to replace the hot water tank. I took this option thinking it was better than nothing. But even at $195, they denied my claim because I submitted an incorrect receipt! This mess started in February 2011 and I finally cancelled my policy April 12, 2011. Yep, it took all that time to try to settle the claim, NOT WORTH IT! It took tremendous effort to contact and to deal with the customer service personnel. They would not tell me the truth; they purposely led me to make a mistake on my claim and denied it at the end of the process. AWFUL! When I called, the average waiting time to talk to a customer service is over 15 minutes. Worst yet, I couldn't get through to the cancellation department for weeks. For American Home Shield to make cancellation difficult is very unethical.
I consider my decision to buy an American Home Shield policy A MISTAKE. I paid the price and learned from it. Hope you don't make the same mistake.
Product or Service Mentioned: American Home Shield Claim.