I have Sears home Warranty administered by CINCH (https://www.cinchhomeservices.com/). Once you open the service request they send it to a local service provider. I am in Chicagoland. Very large metropolitan. Even here the service provider does not come for 2 to 4 days and sometimes 7 days.
My Microwave repair took 5 ore more follow up calls and over a month before it was completely repaired.
Then a 2nd request after few months for Refrigerator repair too 5 follow up calls and more than 12 days before it was repaired.
How can you live without microwave or Refrigerator for 12 days or a month? So they are counting on the fact that you would call a service provider and get it repaired yourself instead of waiting.
I replaced my 70 gallon water heater from my pocket instead of waiting for their service provider who would take 4 days to come and check.