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.