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Total Protect Home Warranty – Good or Bad?

Posted by Keith Elder | Posted in General | Posted on 24-06-2006

I was going through mail this morning (no not email, real mail) and my mortgage lender sent me an advertisement regarding Total Protect’s Home Warranty. I normally don’t read ads but this is from my lender so I read them all just in case. It’s funny because now that we are home owner’s my biggest fear is some major gizmo in the home is going to all of a sudden quit and I’m going to have to fork over thousand’s of dollars to get it either fixed or replaced. Probably my biggest concern is air conditioning. We have two air conditioning units for our home. One cools the north wing and other the south wing. If one of them all of a sudden goes, we are talking thousands of dollars. Living in the heart of the south where temperatures are above 90 degrees each and every day for 4-6 months out of the year doesnt’ help my feelings either. My mother-in-law just had to replace an air conditioner. Her air conditioner was over 20 years old but she doesn’t run it that much. I figure it got about 4-5 years of solid use compared to mine since our’s stay on all the time. Insurance is primarily peace of mind but is it worth it? According to the brochure I got the price of the coverage would be $36.95 / month and a $50.00 deductible. Using the quote rate on their web site our deductible would be $95.00. Either the mortgage lender doesn’t know how big our house is or they are cutting us a break. Either way I’m going with the $50.00 because that’s what I have in writing from them. So $36.95 / month is $443.40 a year. If an air conditioner blows up within the next year or a refrigerator, I’m ahead. If a washer or dryer goes I break even since I can buy a new dryer or washer for that amount of money. But what about stoves and garbage disposals? The bottom line is how much stuff breaks? I don’t know nor can I remember from growing up. What are your thoughts? Home Warranty insurance good or bad?

  • Don

    Hey I agree!! Had my central go out on me last summer and called Total Protect. Repair man came out found some bad valve units on the refrig lines. Had to pump out freon to fix-replace the valves.  It only cost me $75.00 and the system is running great with all of this hot weather in the Washington Area.

  • Grace

    Interesting that American Homeshield lets you choose your own technicians. We had themon our house inglenn heights, our water heater was out, AHS authorized the replacement of the unit, but we had to pay $360 for something not covered. The contractor will not repair until we gave him the check for
    $360 and it cleared. We got our repairs donea week after that so 2 wks without hot water!!. I called the company to report this but got no comments. I wonder do they give options by zip codes or could our race have been a reason fo rthe contrator to clear our check before service? Needless to say, we dropped  AHS and bought Total protect!!!!! So ifanyone else still knows ofa good warranty company besides American Homeshield and Total Protect, please speak up.
    Thank you.

  • hsb

    My daughter and I both habr this program and it has saved us alot .  I am all for home warranties.  Granted you can pay out more than you ever use this but that is the chance you take.  Either put money in the bank to be ready for a big hit or buy a warranty policy.  It is a choise just like insurance.  You guarrantee that IF YOU HAVE A LOSS, you have coverage.  If you never have a loss, you paid out a lot of premium dollars for to cover those who do have losses.  It is a choice.

  • Bethesq2b

    okay, I seem to be the exception to most of the reviews. I have had nothing but good luck with this service. I started the program the last time I refinanced my house about 5 years ago. Since then they have replaced my furnace, my hot water heater and two different problems with my A/C. Yes, I have had to pay additional charges over and above my deductible but nothing that I thought was overpriced. Their service technicians have all been friendly and efficient. I will say their phone customer service leaves something to be desired and I am very disturbed that no where on their website is a contact phone number so if you misplace your paperwork your in big trouble.
    But all in all I have been very pleased with this service and it has easily paid for itself many times over.

  • Riccar5

    Yes, American Home Shield.   I have had them for over 10 years and they have come through every time.  I started out paying $45 per service call (deductible) and over the years it has only risen to $65.   Reputable technicians come every time and often they let me choose from technicians in my area.  They have repaired practically every appliance in my 18 year old home, installed a brand new hot water heater when costs to repair old one were not justified and when I had a slab leak inside my home not covered under their plumbing guidelines they gave me $500 towards the repair to settle my claim and my homeowners insurance picked up the majority of the rest.    I have not had one bad experience and highly recommend them.

  • Eedwards79

    They suck! Been a week and half with no a.c. in 100degree texas heat. I call everyday and they just tell me to call back in 24 hrs. They did have a repairman come out within 24hrs, he looked at the unit and established it wasn’t working, took my $85 and left. Biggest joke of a company their is!!!

  • Linda B

    Reading all these bad reviews, I have come to realize that only disgruntled customers usually post these reviews.  How often does a satisfied customer take the time to write a review about the good service they received?  We have had Total Protect for many years now and have had to call them three times and have had nothing but the best service from them!!  And that is almost unbelievable considering how things have changed with customer service and people taking pride in their work, nowadays.   We are happy and extremely satisfied.   I would be their “poster child” !  

  • Gf2901

    I agree with this comment.  I have paid on this warranty for 5 years.  I had them check my heat pump and they will not pay because of a loophole in the fine print of the contract.  I have cancelled this membership.  Word to the wise, don’t buy this warranty.

  • I am also agree with you.

  • john

    somebody did comment about putting $36.00 dollars a month away in a savings acount. for all the trouble i think im better off that way instead of using a ins company, to much red tape….

  • john

    3/1/11 our ac went out went out it is now 5/1/11 and we have yet to recieve our money. we waited so long and have given total protect all what they have asked for.we ended up replacing the whole ac unit inside and out. we ended paying out of our pocket because it was just taking to long. also it is very sad to hear the person that total protect sent out to out home to inspect our ac tell us that he works with a couple of differnt home ins providers and that total protect is the worst one. he did reccomend old republic

  • Guest

    We were going to sign up, but I looked this up and if BBB won’t help and you have to go through an AAA,
    Yes, you should put away the $39.95 away in a special account to accumulate in case you need it. The Homeowners Policy covers some of it in certain circumstances, but why throw your money away to someone who does not comply with exceptional service. I need service, locally, and immediately, not 2 weeks or more down the road.

  • I agree this.. This protection home warranty good only.. But it depends on companies.. Thanks for this..

  • Lynnie227

    My stove was turning off and on in middle of cooking, and at same time, my stack washer was spewing out grease into the laundry..so TP send two sears service people..one took the “board” out of stove and sent it in to be repaired or replaced and told me it could take up to two weeks to get the part..other serviceman told me the transmission went on the washer, and TP would allow 300 dollars to replace it..however new stack unit is close to 1,000 dollars, so I told them to fix it, and last friday they scheduled sears to be here between 8 and 4 on Monday..On Monday at 2 the sears serviceman called and said he would order the part and it would take up to two weeks..So, now I have no stove and no washer for two weeks..TP would not authorize replacing either the stove or the stack washer, they have no loaners, and they “can’t control how long it takes to get parts”..It is about time somebody tells these mortgage companies what a joke total protect is..They are just scammers..oh, by the way, I have to pay 81 dollars for a new agitator in washer..nothing wrong with it now, but I guess they intend to break it when they take it apart to fix the transmission..agitators are not covered…Save your money and call a local licensed appliance repair service..

  • Jeff

    Has anybody found a good honest home warrenty company?

  • Guest

    I am fighting with this company now to get a hot water tank replaced. The plumber they sent was a thief who is trying to charge us $100.00 for a $45.00 permit. $80.00 for a spill pan (have one already) $150.00 for tarps.. When I called total protection back they really didn’t care. DO NOT USE THIS COMPANY..

  • I am closing this discussion because it is pretty obvious this is not worth it and no one is adding to the discussion except confirming.

    Comments will now be closed.

    Thanks everyone.

    -Keith

  • Anonymous

    TOTAL PROTECT SUCKS!!! DO NOT USE THEM! THEY ARE DISHONEST AND CORRUPT all while being GREEDY.

  • Anonymous

    Total Protect? What a joke. They are only interested in protecting their profit margins. The contract was written by a very good lawyer-lots of loopholes for them and none for the consumer. They would not repair my washing machine because they don’t cover the tub. The tub was fine but the failed part attached to the tub, so they don’t have to fix it. The people there don’t even pretend to care, but they can read from their script very well. Bottom line: this is a rip-off from the beginning. Stay away!

  • Anonymous

    Thanks for all the comments.. I almost paid in full for one year contract, thought it might save me some money and worry. It sounds like a TOTAL RIP OFF instead of TOTAL PROTECT. Thanks again…

  • Anonymous

    adding to 12/10/08 comments…I also got the original “intro” to Total Protect from Citi Mortgage…When you receive offers in the same envelope w/your mortgage payment…it kind of sets you up and give you the impression that the Co. you are going to possibly “deal” w/is “for real” and honest. Clearly…something is at the very least “questionable” and at the worst…”fraudulent” w/these arrangements…jmho……..isn’t Citi in need of a taxpayer funded bailout…what goes around, comes around………time will tell…..

  • Anonymous

    Don’t bother contacting the BBB. We had proof that our AC unit was covered. We had no heat for weeks and when Total Protect sent someone out who determined that we needed a new furnace. TP said it was a “pre-existing condition” (sound familiar). We also had proof that a company had done the yearly maintenance right before we signed up with TP and the AC was in great working condition. We filed a claim with the BBB in July against TP. The BBB responded a week ago (5 months later) stating that TP requires that consumers go through AAA (an arbitration company) for all complaints, therefore they cannot help us! I looked AAA up and they charge a fee of $125 – $800 to arbitrate! 5 wasted months only to find that an agency who is supposed to protect the consumer will not help!

  • Anonymous

    OK…now I’m scared…I’ve been forking over the 36.95 for a couple of yrs w/no claims…have had a few things happen I thought would be covered but took care of them myself. Probably a few hundred for all. Cost of home ownership. Now I have a small refridgerator (Welbilt brand) under the bar that has gone out completely. I sort of dread the call to TP now. I hope I have a bit of luck w/these questionable characters….will let you guys know….wish me luck……………?????

  • Anonymous

    Have been getting the run around with TP and their reps, if they do answer the phone, have been without heat for almost 4 weeks, they are waiting for a part to be “shipped” and of course the wrong part comes!!! What a rip off, they did say they would reimburse us for the $60 (we had to pay twice, and pay for our part) becauseof all things now they say the correct part is not covered!!

    I am willing to join a class action suit if anyone is working in that direction. I have kept details of all the run arounds that I have received.

  • Anonymous

    Have had Total Home Protect – marketed by my bank Wachovia. Never used for 2 1/2 years and last Monday, woke up to a cold house. After a week of run around, I still do not have a heater. The “yahoo” that came out to my house recommended a new heater, it took till Thursday to have it finally shipped. I called him this morning and he didn’t pick it up yet, maybe he’ll be out tomorrow. It’s 11 degrees here in Pennsylvania. I think most of you are right and they are fraudulent. Until someone sues them, they and the mortgage holders will continue to advertise and market this lousy company. What should we do?

  • Anonymous

    I just got the home warranty paperwork from Countrywide in the mail yesterday. Good thing I looked this up before I mailed it back in. I am sorry that most everyone above had such a bad experience, but it has caused me not to mail the “30 day trial” back in.

    Like someone said above, I will start putting that money, and a little more, away in an account and just let it sit there until I need it.

  • THANKS EVERYONE for the warning. Do not really believe the one or two good reports. Am thankful I decided to Google this. I am steering away from Totalprotect!!! Going to e-mail Countrywide about this. Here’s to the internet and googling.

  • Anonymous

    well, as being contractors for SEVERAL home warranty companies, ALWAYS, AND I MEAN ALWAYS READ THE FINE PRINT IN YOUR CONTRACT…OTHERWISE , WHO CAN YOU BLAME BUT YOURSELF. Some really good companies that cover all aspects of all problems would defintly be Old Republic; American Home Sheild and 1st American Home Buyers Protection. AND ALWAYS ALWAYS be cautious, google them…duh!

  • Anonymous

    I enrolled in the TPHW this past year thinking I was doing a good thing to protect my home and our out of pocket expenses. Well, within a week of each other this past summer, the bathrrom facet, kitchen faucet and microwave broke. We called TPHW, filed the claim and they sent someone the next day. Good. The service persons collected their $60 co-pay lloked at the items, stated that nothing was covered, however they could do the job independenlty for $$$$ dollars. Essentially, we paid $120 for NOTHING and ended up fixing the problems ourselves.

    One other note: after the third time I called TPHW to find that nothing was covered, I request the minutia details of the program. That was a minth ago and I AM STILL WAITING. This company is very deceptive and not worth any money you pay towards it. Go with American Home Shield; they are very reputable and really do cover what they advertise.

    Another hint, when all the information you can get on the website is ‘testemonials’ and ‘more information’ forms and can’t see ANY details on the program…RUN!

  • Anonymous

    Thanks for the warnings, I have looked at this several times from my mortgage lender and it sounded to good to be true.

  • Anonymous

    I am so glad that I googled and read through the many threads and found that TP is definitely “too good to be true.” I almost got sucked into it and was ready to sign up for 30 day trial. I have decided against it and urge everyone who receives these kind of fliers to do due diligence before signing up for these kind of offers.

  • Anonymous

    Oh yes, TP didn’t cover the rather large hole (20″ x 20″) that was left in the wall after the repair …

  • Anonymous

    My bathtub was leaking from somewhere behind the wall into the basement. TP gave me the name of their plumber in my area. He came out, misdiagnosed the problem and gave me explicit directions about what to purchase at Home Depot to fix it myself. I followed his directions (thinking perhaps this wouldn’t be a “covered” expense.) The problem continued after my repairs. He came back again and correctly diagnosed the problem, but told me he was going out of town and wouldn’t be able to fix it until sometime the following week. I called TP and they told me to hire a plumber of my choice and they would reimburse me. They told me when the plumber came, HE woudl have to call the authorization department. When I finally found a plumber who was willing to do that, he came and did the job. He spent longer waiting on hold with TP’s authorization dept. than it took to do the job. Don’t think he’ll be back again. I paid the 1st plumber $60 and the second $217. TP said they will cover the cost (of the 2nd plumber) but that it will take 30 days to reimburse me. I will let you know how the story ends.

  • My husband purchased our home TPLSP probably 8 yrs ago. We live in an older home and have replace all appliances over the years we’ve lived here. He thought this would be a great option – RIGHT! Not true! We have had claims for dishwasher, washer, dryer and now a hot water tank. We are currently waiting for a call from their preferred plumber to schedule a service call. I dread this process. I will not take another cold shower like this mornings! I’m going to a hotel for tonight. Either it’s repaired or replaced tomorrow or they will be in court. Our dryer problems went on for months, repairs at $50 a visit, until repairman said it couldn’t be fixed. Thought they would pay for a new one – no way. Sent a check for $180 after we sent copy of purchase of $700 dryer. We have paid over $3,500 in monthy premiums and have received $180 in benefits. Such a deal!

  • Anonymous

    I just got the flyer in my mortgage statement this month, so I googled TotalProtect Home Warranty.
    It lead me here.

    And I’m glad.

    I’ll put the money in a savings account instead. A$60 deductible and $37.95 per month adds up fast.

  • Anonymous

    Total protect is totally AWFUL!!! Last month my a/c and furnace went out. It was 27yrs old. They sent a tech out to service it, he said there was no repair that could be done. So, about 6hrs later, TP decides they didn’t like that answer, so they sent another tech from a different complany out. They said the same thing! This happened over a 2 day span. Mind you, I have a 3yr old and a newborn that are in my house w/o air. We dealt with this for 2 weeks before we finally got it fixed ourselves. We paid 3600 for a new a/c and furnace. They only gave us 1600 for a replacement. They were going to get parts from here there and yonder to replace it so we opted to fix it ourselves. The same time our toilets broke. We filed another claim… the vendor they called was from a town 6hours away. We had to call TP back and explain where we live. FInally a week later a tech came to just evaluate the problem. Everything was approved. Then finally another week later the tech finally came to fix out toilets. He stays for a hour then leaves. While he was gone, TP call me and tells me the vendor was gonna have to bust through the concrete to fix a phlange? and it was gonna cost me 250 to get done because that part wasn’t covered. The vendor however didn’t charge us for that. So I didnt’ care he didn’t leave my house until 930 that night. THe total protect techs and supervisors are not only STUPID, but they are rude!! This is just a little of my story. Don’t just walk away from Total Protect , RUN AWAY FAST!!!!!!!!!!!!!

  • Anonymous

    All of you need to know this, read your contract. AC Systems for the most part do need to be properly maint, don’t have water sprinklers near the unit outside it can rust them this is cause for denile. Also most warranty companies have a 30-60 day recall. Which means if you need them for the same problem you should not have to pay another service fee. If the service provided does not fix the problem you can call them to come back. If you do not like the tech that came out the first time let dispatcher know this and demand a new tech. Most of the time you will get one. I see that some of you have old units doesn’t matter (20 yrs) it should still be cleaned.

    Most of the time the reason someone is not happy with the warranty company is either because….the person buying the contract is trying to get over and couldn’t or the tech is not knowledgeable enough to fix or properly diag the problem. Remeber you can always request a 2nd opinion.

    One more thing, before signing on the dotten line, always find out how many vendors service your area, research the vendors the warranty company lists. Call them find out if they are still vendors.

  • Anonymous

    We have Central Protect (only covers central air and heat unit) through this same company. Total Protect is suppose to cover all appliances and plumbing plus A/C. We had a problem with our a/c back in July of this year. Central Protect paid out approx. $250.00 while paid our customery $50.00 deductible. Now the house is not cooling and they were called with another claim. They never sent us a contract and are now telling us we have a $1000.00 cap per year and the work that need to be done is $1300.00 approximately and they have already deducted the $250.00 from our yearly cap. No telling how much more money they will claim the have to pay out of this cap for this last visit. Not happy with service either. Also, let me say I live in a small town and it takes them forever to get back with us.

  • Anonymous

    I recieved an invitation to sign up for TP about 3 months ago. I thought the coverage would give me peace of mind in an appliance emergency. They claim to offer 30% off on new appliances if the order is placed through TP. That might be true, but I called them partake in this offer and TP stated they don’t offer that brand “LG” for the 30% discount. I am extremely limited now because the space for that appliance is too small for standard ones and LG is the only brand that will fit into that space. Go figure! This wasn’t even a claim either! Now, I’m very weary if an emergency does pop up?

  • Anonymous

    Total Neglect is the worst. It took them a month to get a plumber out after sending someone that can only work on appliances. Then the plumber spent an hour on the phone with Total Neglect, which I ended up having to pay $90 for the labor, to then tell me a faucet leaking and a toilet leaking are not cevered. $330 out-of-my-pocket. Needless to say, I cancelled Total Neglect and looking for a decent Home Warranty company that does not have a policy of “deny all claims”.

  • Anonymous

    I wish I had read these comments before purchasing the Total Protect Plan. My cooktop vent went out a week ago and the service person came out today (a week later). The serviceperson suggested a new cooktop (approximately $1,000) because he stated I will continue to have problems. He called TP from my home and the customer service person stated they will give me $104.00 towards my new purchase. I was totally shocked!!! I’ve had them for such a long time and luckily, only used them a couple times. The service was mediocre, but I thought oh well, no big deal. At times, I simply would call and have the repairs done by someone else rather than using TP. What I noticed is they contract vendors who are desperate for service and most of them usually have no idea what they’re doing. I’m tired, I don’t want to fight with them, but I’m terribly disappointed. PLEASE DO NOT PURCHASE THIS PLAN!

  • Anonymous

    What a joke. Our AC broke. Took 2 days for anyone to show up. The contractors says the freon leaked out of our AC but the unit is so old that it has to be replaced. This was 3 weeks ago. Hey…it’s it August… duh…. Called several times. They kept saying that someone would call. Finally some one did.. yesterday. Options was that they would buy us out at $1200 or they would replace. However, it would cost us over $740 for all the stuff that the they do not cover, to have it replaced…. Of course I already paid $60.00, and then there are the premiums! So I said… okay, send me the check. Nope… cant do it. You have to send them an invoice that shows you actually had the work done. Then they say they will pay you back. No car insurance will tell you that before you can get your insurance check that you have to prove you bought another car. This is a scam. I will be giving them a lot of free advertising…..

  • Anonymous

    I am having trouble with Total Protect right now. That is why I started looking around on the web to see if anyone else had problems with them. My AC stopped working. I called them and they sent a tech out. He came out within 3 days. He said the unit was froze up and thawed it out and added some freeon to it, collected his $ 60.00 and left. It started cooling a little better but still over 80 degrees in the house with unit running all the time. I called them back, and could not get a tech to come back out. Had to call another company to come out and paid them $ 200.00 to tell me my evaporator coil had a leak, so I called TP back, they sent the tech back out, He came and was upset when he got here, started cussing TP and telling me they would not pay for anything, looked at the unit and told me good luck and he wanted another $ 60.00. I have called them back 5 times, they will not talk to me now. I don’t know what to do…

  • Anonymous

    We have had Total Protect for about 8 years and we have not had any problems. We’ve had dishwashers fixed, ceiling fans replaced, ac units fixed and replaced, garage door opener replaced, hot water tanks replaced. We have two ac units and two hot water tanks. If you have two units then you must pay the extra cost to insure two because they will only pay for one per year. Also they will not pay for secondary frig so watch for that. Check your warranty and be mindful of how you report your problems. We’ve had a few blemishes with them usually it’s with the company that they sent out but thus far no problems with Total Protect. Oh one exception, I had called rearding our water softner and they sent someone out on two or three occasions, it just wasn’t getting fixed properly(leaking) then my husband called later and found out it wasn’t covered 🙂 Now I believe there is no cap on the amount they will cover.

    Total Protect okay so far with us in Oklahoma City

  • Anonymous

    I just used Total Protect for the third time in about 18 months. Each time I was very impressed. Twice for A/C (both repaired by same vendor the day after we placed claim. And for only the $60 dedictible fee). Once for our refrigerator (not cooling properly) and our cooktop (vents blocked). Same repairman for both of those issues, only one $60 deductible. Repairman didn’t seem too sure about refrigerator repairs so I was a little worried. He didn’t fix it right and had to make a return visit (no charge) and he did it right that time.

    We chose TP based on our elderly neighbor’s recommendation. I didn’t even know such warranties existed before they told us about it. They have had almost every repairable item fixed and apparently had no issues. We live in a large metropolitian city so that could be why our experience is better. But I know that we’ve been fortunate so far.

    I only found these comments when I was googling for the Total Protect website for my husband’s co-worker. Makes me a little nervous reading all of this but at least our experience has been positive and I still wouldn’t hestiate recommending it to people here in our city.

  • Anonymous

    I called for my A/C today, they came out today and he said that there was a leak from my air conditioner due to a clogged hose that leaked onto the top of my furnace and caused rust damage, thus messing up the motor. Since it wasn’t mechanical it wasn’t covered and also poor maintenance. The system is 20 years old of course it might have some rust. I have paid into this plan for 9 months. NO THANKS! Will cancel on Monday. They pay what they want to pay……..I’m out of $60 bucks aside from the premiums I pay monthly. Good Riddence!

  • Anonymous

    I recieved a notice of coverage from TotalProtect with my contract number, monthly cost, claim limit and deductible of $50. Less than two weeks after my effective date I had a small claim and was told my deductible would be $60. I called to ask why the increase and after 3 customer claim reps no one could tell me why the increase other than “it went up”. Within two weeks with no notice?

  • Anonymous

    Total Protect is a total headach. We have had problems with our heating and air conditioning since 2/08. Several companies have been here to investigate he problem and most of them a “mom and pop” organization. 4 weeks ago a guy comes out cuts the lines and says he is running a test on them. He has never returned and the temperature is a constant 105+. We have called the a/c company several times and he never gives us an answer to when he is coming back. We called total protect and they said he should have never been assigned to our problem. Another company was sent and the technician stated “This should have been completed in a couple of days and not let go this long. Later the same company said the unit will have to be replaced because it had been left. Total Protect will not return ANY calls and we are filing a complaint with Arizona Department of Insurance. DON”T GO WITH TOTAL PROTECT IT IS A SHAM COMPANY AS FAR AS WE ARE CONCERNED!!

  • Anonymous

    I am in Day 6 of dealing with Total Protect.
    Called Monday (A/C freexing up) & made claim.
    Tuesday sent service man .
    Thursday watched A/C Company fax report of what needed to be repaired/replaced. Called TP said would talk 24 hours to get in system. Saturday (48 hurs later) called TP back…told fax never came from A/C repair Co. Told them it was faxed & I wittnessed it.

    I was given “Trena’s” email to email a copy to & fax # to fax report. So now I wait for their next line of BS. In the meantime it is near 100 degrees & my A/C is unreliable.

    I have documented every step of the process with dates times & names. I have used my cell phone so I will have proof of my calls to the 800 #. I am expecting a battle. I came to the internet when I was warned by a friend (too late) about getting involved with this company.
    So far I am NOT impressed with their “service” for their “Dear Valued Customer”. If my home or car insurance company took this long to START to process a claim they would be replaced. I know this is a warranty but processing a claim is processing a claim.
    And TP has NOT processed a thing as yet.

  • Anonymous

    Oops – Here is my email: raleighflyer@hotmail.com