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The contract is the legal agreement between you and the home warranty company. It means that they are legally required to hold up to their end of the agreement. It also means that you must uphold yours. The fine print will let you know all the costs, the procedures, and the requirements you are responsible for. Do not hesitate you ask questions about what you don’t understand. This is simply not something that you want to hastily sign. Take your time and read it thoroughly because it is legally binding. Home warranties are definitely worth the money, but you just have to understand what you are getting into before you sign any paperwork. The way that contracts are set up is in articles. Each article is a section. They are usually numbered.

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As a former HVAC contractor for several home warranty companies, I concur with the other service companies' negative remarks regarding these policies. Everyone involved is pitted against each other from the start, and everyone will get skinned contractor and customer alike except the home warranty company. These policies appeal to hungry contractors in saturated markets, and bad customers who want something for nothing. The customers we dealt with would become so angry and desperate they would literally harass and threaten us. It's illogical to believe you can get anything substantial for the mere $75 service fee the customer pays, which, in most cases, is all we could charge for the entire service call. Hence, the denials, long wait times and band aid repairs.