My husband and I bought our first home 3 weeks ago and just moved in last week. At closing the seller bought a home warranty through HMS. we were concerned with the heating and cooling unit as it was original to the home (28 years old)We had inspected the unit and knew it was old but it still worked and functioned properly.And it passed inspection. We have been at the house for a week and a half now and the a.c unit stopped working. I called HMS and filed a claim, they sent a contractor from Aspen heat and cooling. I had to pay a deductible of $100. He was here and checked the unit and said it need freeon on two coils needed to be replaced. The next day I called HMS and they said it would be up to 5 days to have an answer if they would fix or replace the unit. No one called me back so I called and was told that my claim had been denied and I had to pay for it out of pocket! They said they had pictures saying it wasn’t normal wear and tear that it was abused! And that it should not have had passed inspection. I called my realtor and inspector, we have our inspection report and witnesses that it was working fine! They just don’t want to pay for it. But they took the $500 for the warranty coverage for a year. It is 85+ in my house due to the high Heat outside. I have been hospitalized twice now for heat exhaustion. So it is a MAJOR concern to me. Anyone who is looking for a home warrenty, DO NOT get hms!!!
Cooling & Ventilation, Heating