Been with them for 5 years. My first claim - 2 years ago - was for my water heater. They would only replace it if I payed an extra $400. For 'changes in installation'. Being a senior citizen and desperate for the replacement I paid this above the service charge.
My second claim this month was for a broken toilet. The guy they sent spent less than 4 minutes and told me they would not repair or replace because they didn't approve of the broken condition.
They will do anything to avoid honoring their contract when other than minor cost is involved.
Just a bunch of crooks who prey on seniors.