AFC Home Club

I settle a claim for$100 and the company said they are not paying. They stated because I canceled my policy before they cut the check that they did not have to pay. My policy was still in effect for 3 more days when I canceled future payments. The policy is paid a month i advance so my policy was still in effect. Scam business!

They will deny everything. Don't use these guys! They are a scam. THey pay realtors and websites to make good reviews. It is a waster of money!

Not worth the money. They will deny the service/claim or you wait days or weeks for a service representative.

This is the email I wrote them. I want to cancel this plan. Your company has misled me into believing that you would assist with things covered in the contract, I have found this not to be true. I have provided information in regard to my A/C repairs and maintenance. Your company has looked and found loopholes to keep from paying anything towards the repairs. I have replaced two air handler units at the cost of over $4200.00, with no assistance from your company. Your company is misleading people.

For my first claim with AFC in over a year and a half, they gave me a hard time over a technicality (they stated a failure was caused by a rodent since the tech pulled out an old mouse carcass that had died some time ago even after the tech said that it was unlikely the main cause of failure since the heater had stopped working last week and that mouse looked like it was months decomposed). They only offered $250 out of a $1400 repair. AFC said they were a value-based warranty company which meant they would only compensate for the current value of the heater instead of what it would cost to replace it with a new one. I signed up with the impression that the full cost of a new unit would be covered in the case of a failure. Charging me for a service I didn't use, and then when I finally did was inadequate and failed to meet expectations is absurd. On top of that instead of trying to remedy the situation, they charged an additional $75 cancellation fee.

They are awful check whatever payment you use they kept charging me for months after canceling service then when I contacted them they changed me 75.00 to cancel again. Horrible company!

Hello. Please. BUYER BEWARE! We purchased 3 year AFC Platinum for $1375 to cover appliance in a new house once the manufacturer warranty ended. AFC is a complete waste of money. We needed the coverage twice and both times were were let down. Their coverage is so limited that you would be better off donating the membership costs to a charity. Or saving the money to cover repairs yourself. There is a ton of fine print, so they protect themselves, but they don't cover the electronic chip based components, such as touch screens, upon which most modern appliance rely.
Our microwave went out, and the policy offered us the cheapest possible replacement and did not cover delivery, removal or installation costs.
Save your money…. This "coverage" is useless.

After paying my premium for 18 months they denied my claim for my hot water heater. Out of hot water for 4 days waiting on their plumber to come only to be denied! I've never made a claim. They will not get another dollar from me.

AFC will tell you anything just so that they can receive a bonus on their check. I've had AFC for only 6 months…water heater was going bad needed a new one so I paid for the services. Due to my water heater being out of date it doesn't have any value to AFC so they will not reimburse the amount I paid which is 3800 but will send me a check for 100$ instead. If i would have known that my home warranty wasn't gonna cover me due to the age of my appliances that they knew before because they asked how old my home was before offering me to become a member. Now I probably won't even get my money back if I cancel my membership. AFC is a rep off so If you want to waste your money or have money to waste then this company is a great place to do so.

We filed a claim in March to replace electrical outlets, a ceiling, fan, and an exhaust fan. We had no idea what was wrong with the electrical outlets or the exhaust fan, but they refused to send out a technician to look at it I had to figure out everything myself, it took me a while before I got a new ceiling fan, which was the first thing I wanted to replace, and I was supposed to upload a receipt to the portal once I have finished. We didn't renew the policy that expired in April, so they didn't get the receipt while I was a member, therefore, they told me I will not get reimbursed since I didn't renew my policy. I spoke with a supervisor, and she did not want to work with me at all, only referred to the policy. Do you have spent $700 over 12 months, for nothing. Stay recommended to stay away from this company, the last one we had was really good, and they came out and fixed everything we asked them. You buy cheap, you obviously get cheap.

This was not a good experience at all. After paying several months of the warranty, I called for service. They sent a tech out, who charged be $125.00 just to diagnose the issue, to then find out that they do not cover the item due to age. I cancelled my coverage immediately. This was a waste of money and time. DO NOT BUY A WARRANTY WITH AFC.

STAY FAR AWAY FROM AFC HOME CLUB. I've been a member of this club for 3 years. In the past they were great. NOW! Terrible. I called to file a claim. 2 days go by, no call back. The next day I got a call stating we are still searching for a technician thanks for being patient. In the interim, I am going back and forth to the laundry mat to dry my clothes. I called back the next day and still no TECH. They said they will send me a list of technicians to call for the repair of my dryer. So, they have no problem taking MONEY from my account on a monthly basis, and I have to now do their JOB and start searching for a tech. Turns out, the techs want NOTHING to do with a 3rd party ins co. They are too difficult to deal with and the techs have no time for their nonsense. So, I do THEIR JOB and find a tech. He comes to my house to look at my appliance and diagnose the problem. I now have to call AFC HOME CLUB to get approval. I had to send them the quote via email and then wait for the rep to call mgmt, so they can approve it. 50 minutes later they approved the repair. Once approved, I was told I can receive my check via electronic which i can print out and cash or by Phone (I think, I don't remember as I was so pissed), but there is a fee for this service. All they want is your MONEY and don't want to give you the service you pay for. OVERALL, 5 days later and multiple calls (my time, not theirs), my appliance is repaired. WHAT A MESS. STAY FAR AWAY FROM AFC HOMECLUB.

PLEASE SHARE. TRUST ME!

Victor

I made the mistake of choosing this company and all they have done is work to find reasons NOT to cover ANYTHING that I paid to have insured. On the AC unit, they don't cover 'valves.' Next service call, the serviceman talked to them and was told because he could not give a 'specific' part number, they would not cover it. I wasted $460 having for 10 months. They are not reputable.

See no evil, hear no evil, speak no evil. This company is a 3 card Monty scam.their 3 depts: service,sales,billing all don't know what each other dept does and does not cross communicate with each other. They all look for a reason its other debts issue and you have to call them back. This company is setup to take money, and not help customer. They have loopholes for everything,and if you happen to get through all the hoops, then depreciation of appliance or part, so the don't replace or fix an appliance with a new appliance They reimburse you at the depreciated rate. They will lie to you over phone and no one has any accountability. Never Ever Buy A plan from these Grifters.

I was denied a $1600 claim as AFC says repairman said issue was a Mfgr default, yet repairman has told me 2 times he said it was a malfunction, NOT A MFGR DEFAULT. AFC CEO, President, Customer Svc Mgr, and Svc Rep have all refused to respond to my request to provide a copy communication with the repairman to confirm their assertion. Without providing such documentation they could deny a claim by anyone without having to provide any support.

Scam.

I had a terrible experience with AFC home club. Despite paying for their services, they are not upfront about their coverage and leave out important details. When my AC broke down, they told me I could use my own contractor because they couldn't send someone out for a while. But when I got the contractor and estimate, they told me that I had to pay for the work upfront. Only then would they tell me how much they would cover under the warranty, which turned out to be $148.80 out of a total cost of $13,500. The require you to pay $75 to the contractor for an initial inspection. So add in the price of their warranty and they gave me about 1%. It's just laughable! Give me the refund of my membership at least!

The reason given was the age of the units. But they knew this in the beginning! They knew this when coverage was purchased and when the claim was opened! Why not disclose they can't cover it because of the age! I rather have gotten that answer. "We can't cover it." "No Instead "get it replaced and we will reimburse you but we won't have a figure on how much until after."

It's highly deceptive to not provide clear information on coverage before the customer makes a significant financial investment in repairs or installations.

It is worrying that this home warranty company appears to have a pattern of misleading their customers and failing to provide adequate coverage. This is a far cry from their promise of providing peace of mind for homeowners, and instead, they are causing additional stress and financial burden.

I strongly advise against using this company. Their lack of transparency and poor communication make them an unreliable partner. It's crucial to choose a company that is honest and upfront about their coverage and fees so that you can make informed decisions and avoid the disappointment and frustration of dealing with a dishonest provider.

A prior technician in July completely botched an HVAC condensor repair. AFC told me to contact the technician to honor the repair's warranty. He refused to acknowledge the issue, told me to contact AFC, and hung up on me. After hanging up on me, he sent a text saying "how about I come to your house and f*ck your wife, b*tch."

AFC sent a different tech who diagnosed this issue, the technician had miswired the condensor motor to run backwards. AFC then called me to let me know they would not cover the repair since it already been paid for, and that I should sue the technician.

Absolutely cowardly, corrupt, and wrong on every possible level. I canceled my policy's renewal immediately and will never work AFC ever again.

Even on the Platinum option, the coverage is very minimal and when you cancel your account, they will try to get away with automatically billing you. If you check your credit card statement and catch it and call them on it, they will try to get you to sign up again so they dont have to refund your money. If you dont catch it they will just keep billing you. Serious shysters! Would do your research and go with another warranty company. No integrity and their morals are seriously lacking. Arrogant and will argue with the customer and turn everything around on their customer in order to not part with a nickel. My advice...
R-U-N-N-N from the fraudulent!

Bought a 3 year warranty from AFC Home Club and now 10 months into the term I am faced with a SECOND denial of coverage. This one will cost me $3000+. They are completely worthless. Don't waste your money! STAY AWAY~~ you have been duly warned.

This has to be the absolute worst experience I've ever had with a company. We purchased after moving into our home as a security net if something went wrong, we faithful paid for almost 2yrs with no issues until our AC Unit went out we had a service guy come out and he said it needed replacing, that wasn't good enough for them so we used the cuy they recommend and paid another service fee and he said same thing. So few days go by and they call us with a resolution of $186 to go towards a $6-7K unit! Talk about a slap in the face, that doesn't even cover our service fees we paid out. They explained it was due to age of unit and I totally didn't expect them to buy us a new unit but $186 is a ridiculous resolution (as they called it). They stated that these policies are only good for new homes so be fully aware if anything in your house is more than. A couple of years old they will give insult you with a resolution! I recommend opening a savings account and putting that money there for a rainy day because now we are out over $1200 in insurance fees plus two service fees and now will have to purchase the AC unit ourselves anyways. So buyer be very cautious when purchasing insurance from these guys, oh and by the way both services techs (in the business for 30+ yrs) told us these companies never pay out for AC units and it's a complete waste of money! Wished I knew before this happened but now you do! These companies should be put out of business! Account is in my husband's name Scott and your manager has already said there is nothing that can be done so we cancelled and will be sure to let everyone know what a horrible experience we had with your company!

AFC Home Club, after 2 years coverage, provided me the worst service and customer relations that one could imagine. Just to get in touch with someone requires multiple calls and waiting on the phone for their pitiful customer service. Upon getting someone to provide help, I found out that their "policy" did not cover an integral part of the "icemaker" and thus was not covered. Upon inquiring about cancellation and a refund found out that that requires a $75 fee as well. They've had my business for the last time. I'll find a company that actually provides a warranty that does not have all types of loopholes. Tyler, TX

Purchased this warranty with confidence that it would meet all of my needs. We recently finished our basement and ensured we obtained a plan that covered our sump pump should it ever fail. 5 months into the warranty the sump pump did indeed fail and flooded the basement we just had finished. As an emergency situation I immediately contacted my insurance and mitigation team to remove the standing water, however the mitigation team would not come out until we fixed the sump pump so I immediately called a plumber that came out and replaced it quickly and efficiently. The next day I contacted AFC to advise the of the emergency and realized I should have called them first but they advised me all should be okay they just needed the make and model of my sump pump which I gave them. They then indicated they would call my plumber to obtain all needed info. Fast forward a week and AFC indicated on my claim that the plumber would not call them back. I called the plumber and asked them to call AFC which they did and let me know all should be set. I received notification that the claim had finalized only to have them tell me they needed the model, make and serial # of the failed pump in order to reimburse me. Had they told me this a week earlier we may have been able to obtain, instead the plumber had disposed of long ago. Needless to say I asked for an appeal and they I indicated there is no appeal process. I asked to cancel my policy and they called to say they would reimburse me $140 on a project that cost $719 as an act of goodwill. Thanks but obviously this is an organization looking for ways not to pay a claim. I have since cancelled my plan (charged no additional $75 early term fee) and thought if that's what it takes to leave this extremely poorly managed team behind it is worth it. Save your money and look elsewhere.

I have 4 properties under warranty with AFC Home Club. Had a claim for a $7000 heating system replacement denied due to the unit being too old. Defeats the purpose of having a home warranty if the age of the unit plays a role in payout. After various discussion with the customer service team and AFC Home club legal department, a $500 payment was made. Buyer beware. Better to go with another agency that doesn't discriminate against the age of the unit but has a yearly claim limit instead.