Frequently Asked Questions

FAQ

What is a home warranty?

 A home warranty is a one-year contractual guarantee that should certain appliances or mechanical systems fail due to normal wear and tear during the coverage period, those items will be repaired or replaced, subject to a small deductible.

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I have homeowners insurance. How is an HSA Home Warranty different?

Homeowner’s insurance and HSA work hand in hand. If you have a pipe break in your home your homeowner’s insurance would pay to replace your carpeting or paint your walls. It repairs the damage done from the broken pipe. But your homeowner’s insurance doesn’t pay the plumber to fix the broken pipe; HSA Home Warranty takes care of that for you.

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What is covered under my home warranty?

Coverage varies depending on where you live. Items available for coverage typically include: central air conditioning systems, central heating systems, kitchen appliances, clothes washer and dryer, plumbing system, electrical system and roof leaks. Many of these items are included in the standard plan of the warranty. 

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How is this different from a manufacturer warranty?

In new homes, the manufacturer warranty covers the failed part but not the necessary labor for proper repair or installation after the first year of ownership. If your appliances have a manufacturer warranty on them, HSA may help provide the peace of mind manufacturer warranties don’t by covering both parts and labor. Plus, the cost of individual manufacturer warranties can be very high; with HSA, you have one plan, one low premium and one number to call for service. 

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Do I need a home inspection before I enroll?

No. HSA Home Warranty does not require a home inspection in order to enroll for a home warranty. However, covered items must be properly installed, properly maintained and in good working condition at the time of application in order to qualify for coverage. Pre-existing conditions are not covered under the HSA Home Warranty plan.

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How much is a home warranty?

The cost of coverage varies from state to state. See our coverage and cost page for a complete description of the warranty product and its cost for your area. 

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When does coverage begin?

If you purchase the home warranty at the time you are buying a home, coverage begins the day of the closing.  If you are not involved in a real estate transaction and are purchasing a plan, coverage begins 15 days after payment is received by HSA.

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How long does the HSA Home Warranty coverage last?

The HSA Home Warranty contract is in effect for 12 months.

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What happens if I sell my house while the warranty is in effect?

Any remaining coverage will transfer to the new buyer as of the date of closing at no additional cost (where permitted by law). The buyer will be covered for the remaining months left on the contract. For example: If you have 10 months of coverage remaining at the time of closing, your buyer would be covered for 10 months. The buyer will also have the option to renew at the end of the original contract term. You can also decide to renew early in order to provide the additional coverage to your buyer. It’s up to you!

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How do I transfer coverage to the new buyer?

Simply call HSA at 1-800-367-1448 and notify us of the closing date and the buyer’s name. For security purposes, we ask that you send us a copy of the settlement statement to prove transfer of ownership. You can fax it to 1-877-638-1741.

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What do I do if I have a mechanical failure?

Call HSA at 1-800-367-1448 before you contact a repair company. You can also report a claim through our website under “my membership.” Knowledgeable, customer service representatives are ready to help you 24 hours a day.

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What happens if my furnace stops working in the middle of the night?

Day or night, we can help. Simply call HSA at 1-800-367-1448 and follow our phone menu. We have customer service representatives ready to help you 24 hours a day! We will do our best to get you service as quickly as possible. 

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Will HSA provide a service contractor for my repair?

HSA provides qualified, prescreened contractors who will arrive promptly and invoice HSA directly for covered repairs. It’s guaranteed, or HSA will approve the use of a contractor outside of its network to ensure the convenience of fast service. If you do use a contractor outside of the HSA network, you may be required to pay that contractor up front for service.

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How do you get reimbursed for an approved claim if I used a contractor outside the HSA network?

First the technician will need to speak with one of HSA's claims adjusters to determine if the claim is approved and the amount of the approval.  Then, on an approved claim if the contractor you chose is unwilling to bill HSA directly, you will need to pay the contractor yourself and submit the invoice to HSA for reimbursement. Simply fax it to 1-877-638-1741 and we will reimburse you, less the deductible and any non-covered services, within 21 days of receiving the invoice.

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Is there a service fee or deductible for each visit?

HSA charges a trade call fee or deductible. The amount of the fee is determined by the product available in your location. Trade call means each visit by an authorized repair contractor. The deductible applies to all approved costs, including service call charges. If multiple visits are required for the same repair, you will not be charged an additional deductible.

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Is everything covered under the warranty?

There are some items and services that are not available for coverage. Non-mechanical items such as windows, walls and doors are not covered. HSA is not responsible for normal maintenance services such as replacing the filter in your furnace or periodically flushing the sediment build-up through your water heater. Failure to do these basic things will cause damage to your systems. If a system has not been maintained, HSA is not responsible for the repair. Improper installation and pre-existing conditions are also excluded. Some of these exclusions may be covered under upgrade packages.  Please see your market product for coverage details.  Also reference the Limitations of Liability section of the sample contract for complete details or call our customer service center at 1-800-367-1448. We are here to answer your questions!

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How does HSA determine if the claim is approved or not?

Once the contractor at your house has diagnosed the problem, we will determine our coverage. Many of our contractors are able to make that decision at the home without contacting HSA. We identify what the failure is and based on the information provided to us by the contractor, we will adjust your claim according to the terms and conditions of your warranty contract. It is very important to read your contract. You can access a copy of our contract once you have registered under “my membership” or call us at 1-800-367-1448. We’d be happy to fax or mail you another copy if it is more convenient.

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If HSA approves a claim, will they cover all expenses?

In most instances, you will be responsible only for the trade call fee. However, there are some installation charges that are not covered, such as modifications to fit the new system in the existing space. These are additional charges that you may incur. Read the sample contract for complete information.

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What if I had an item repaired without contacting HSA first?

You should always call us first. But we understand that sometimes things can be overlooked when dealing with a mechanical failure. You can call us to report the claim anyway. We’ll need to speak with the service technician who did the work. If we can collect enough information, we may be able to assist you. The failure must have occurred during the contract period and must be reported during the contract period to qualify for coverage.

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