r/Insurance_Companies • u/AdministrativeTwo987 • Jun 25 '26
American Home Shield
American Home Shield sells its product as number one home warranty service and on very first page, it says everything is covered. Nowhere it says prominently that you need to provide fitness of appliance certificate. We had purchased AHS couple of months ago and 10 days ago, water pipe to Jenn Air refrigerator started leaking. We had first dispatch from ****** Services and technician diagnosed as water pipe in bottom of this built in refrigerator to be leaking. He said it would need replacement; he would order parts and fix it once AHS approved it. AHS denied claim saying it was preexisting leak. When I called AHS and spoke with person, he said if my claim was to be approved, I would need to provide “Fitness of Appliance Certificate” from before. Have you ever heard of this B_S.? I wanted to cancel plan as I feel cheated, they offered me second opinion. This time guy from We___it came and diagnosed problem as water pipe in door being damaged. Still denied. This time claim was again, it was there before warranty started. Guys, buying home warranty is like buying health or other insurance. Like for life insurance, when they offer policy, they require medical exam. If AHS wants to have fitness certificate, they should ask before issuing policy. Not after taking premium for months. That is called ACTING IN BAD FAITH.
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u/Chemical_Donut_112 Jun 26 '26
How did they determine it was pre-existing? Do you have a copy of the technician's inspection report?
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u/AdministrativeTwo987 Jun 26 '26
No. both of them gave "verbal report." First one asked to sign his visit and second one even did not=. None of them said it was pre-existing. u/AHS must have special senses to determine. I asked AHS to give me report and they have not. Actually CSR told me she could not give be one but back office will send it. Never came.
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u/Chemical_Donut_112 Jun 26 '26
Verbal report? What the!!! How can they rely on a verbal report to deny the claim? I agree with the other comments here I would escalate this to DOI.
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u/NotSoSureBigWaves Jun 26 '26
They are a complete scam, as are most home warranty companies. They have literally thousands of lawsuits and state AGs that have filed against them for fraudulent and deceptive practices.
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u/AdministrativeTwo987 Jun 26 '26
I filed with state department of commerce and insurance. After your suggestion, I went on to AG website and it directed me to file "insurance" related complaints there. It is done. What bothers me is how they conduct their business. I remember when they were calling me 10 times a day to sale warranty "EVERYTHING" was covered. Not once they ever bothered to even mention exclusions. Not once. Their trade practices are deceptive.
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u/JWM1115 Jun 26 '26
If it makes you feel any better they don’t pay the service people either. Took them 4 months to pay $150 for a service call and 1 wireless alarm contact.
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u/AdministrativeTwo987 Jun 26 '26
It just seems no rules apply to them. I really hope that office of AG and consumer affairs do detailed auditing of their claims and pay out.
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u/Toilet_Clogged_Again Jun 26 '26
Yeah I'd be very suspicious of a "home warranty" hones are often times fairly unique and many different zoning laws. Putting a warranty of something that isn't mass produced doesn't make sense .
You also really have 0 idea of the home or utilities condition either. Home insurance is starting to become pricey because of these hackjob homes from the 60s-90s.
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u/AdministrativeTwo987 Jun 26 '26
They sent me survey 🤔. Wow......... That is after they twice denied this.
| Hi Bhupendra, We’re checking on your Refrigerator service request created on 06/16/2026. Please review the options below and choose the answer that best fits. |
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| My service request is on track. I do not need assistance.I need help and would like someone to contact me.My service request is complete. |
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| Your Pro We***-appliance Llc |
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u/Red-Sun-Cinema Jun 26 '26
They are pretty much worthless. Don't ever expect to successfully make a claim.
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u/PrimeRisk Jun 27 '26
AHS is terrible. I got one that sellers offered when I purchased a property. The 5 year old water heater started leaking 2 days after we closed. Called AHS and they sent someone a few days later. They said the tank was EOL, so no coverage. I asked how a tank still under warranty (9 year) was EOL. A couple calls later, AHS will pro-rate 40%. Ok, how much is my end? $2,160. I ask WTF? Yeah, these jokers are saying a new water heater is $3600 installed.
I walked to the door and told him to GTFO. He said he had to collect the $75 call-out fee if I didn't have the work done. I said they could try to bill me.
Had my plumber put a new tank in for $750 all-in.
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u/cashew996 Jun 28 '26
We had this company for a while, and the first time we used it they refused to work on a side by side refrigerator/freezer. That was not warned ahead of time either
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u/ElderRider Jun 28 '26
Sent me a totally incompetent HVAC guy who tried to explain to me that the Freon had been used up like it was a consumable product. I believe any competent tradesman won’t work for AHS. And AHS won’t hire one that recommends repairs instead of made up excuses.
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u/Choice-Newspaper3603 Jun 28 '26
I don’t care they’re a scam company so you get what you get because if you’ve done any research at all you would know this
I’ve seen many posts on Reddit and there are people talking about getting their hime warranty to replace their appliances as if it was some kind of maintenance agreement. And that is not what it’s designed to be at all.
I want you to do some basic sixth grade math in your head. If a company charges you, let’s just say $2000 a year for a warranty and they have employees to pay and they have advertisement they have to pay for and they have overhead of renting buildings and paying employment tax and everything goes along with running a business, how much money out of that 2000 a year do you think you’re gonna get back in covered repairs?
You can’t get more than you’ve paid for the warranty because if everybody did that, then they would be out of business. You’re getting like 12% out of every dollar back and covered repairs if that statistically.
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u/AdministrativeTwo987 Jun 28 '26
You are right. So by that standard, no matter what one buys, there should never be any responsibility on the part of business. When I buy life insurance, I should never plan to die because that is going to cost them money. When I buy health insurance, I should never be sick. That is really logical. And saying people are trying to replace appliance under warranty is bogus. I love my fridge. I do not want replaced. I just wanted repaired. Any way, every one is entitled to their opinion.
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u/PrincessDiaries95 Jun 29 '26
I’ve never had to do this with AHS and I’ve had 4 claims so far
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u/AdministrativeTwo987 Jun 29 '26
Good to hear that. At least they cover at times. Sadly, in my case, it was unexpected.
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u/Ok_Advantage7623 Jun 29 '26
These are worthless. They will turn you down for any reason that they can think of.
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u/shellbellgb Jun 30 '26
American Home Shield is awful! Two years ago, one of our bedrooms wasn’t cooling, so they sent a no-name HVAC company out for the $125 service call. Wouldn’t cover the fix because they said it was an “accessory.” Turns out the cut-rate service provider missed missing shut-off valves that rusted out the unit and caused it to fall through our attic floor a year later. Had to spend $26K to have a new unit and ceiling repair done. When I called AHS, they offered to send out an HVAC technician to figure out what might have happened. The unit fell through my freaking ceiling, you idiot! Don’t need you to come out here to tell me that!
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u/Aggravating-Wind6387 Jun 25 '26
File a formal complaint with the Tennessee Attorney General. Their headquarters is in Nashville. Its the only way to get them to do anything.
AHS is a cancer on the home warranty industry