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 Torine said then heard from a CCHS senior claims manager, who said she would be handle everything. The manager also discussed the repair cost. The company would give a $325 "gesture discount," but it would still cost $1,000 to cover the repairs. Torine didn't care anymore. He just wanted the AC fixed. We asked CCHS what happened, but the answer back came from Sears. A Sears spokeswoman apologized and said she was watching the case "very closely. "But she offered no further explanation. Our request for more detail was volleyed to CCHS. A CCHS spokeswoman explained the $1,000 charge was because of "uncovered work. " "Home warranties are a more affordable way to protect the home on day to day issues, and to prevent catastrophic losses," she said.

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"He said, 'Why does Sears keep giving out my number?I'm not licensed for air conditioners. '" Curious, Torine did a quick search to see how many air conditioner repair companies he could find in Morris County: more than 75 during a three minute Google search, he said. So what was taking so long?After two more weeks, the warranty company found a new repairman. He arrived on May 30. Torine said he paid his $100 deductible, and the repairman diagnosed the problem and called Sears to explain what parts would be needed before he left Torine's home. But subsequent calls to the warranty company for updates were troubling. Some representatives apologized, others promised he would get a call back in a day. Still others suggested he find his own repair service, and one even said there was no record of the parts order, he said. Throughout, no one reached out to Torine to give him an update, he said. By June 20, there was news. "They said the parts are in, but 'far away' and it costs $300 to deliver to my house," Torine said.

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00 just for being called out, and $245. 00 for him just to troubleshoot our problem before recommending a solution. Since this seemed really excessive, I decided to check out this insurance to see if it would benefit us and our budget limitations, but what I found was discouraging. I have always felt since you're purchasing insurance to cover a certain kind of issue and paying a premium to do so, then why is it necessary to pay additional amounts for the service you have the insurance for?It's just like having dental insurance that you pay a $500. 00 or more deductible, then sometimes hundreds of dollars in monthly premiums, only to have to further pay $600 to $1000 or more to get dentures. Ridiculous!If you had that kind of money, you wouldn't need insurance in the first place!What is the point?So, I guess we'll just have to keep taking care of our household issues on an individual basis and keep trying to find the best price for our budget, because this insurance, just like every other kind I know of, seems to be one gigantic scam. 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.