Complaints

This profile includes complaints for Cinch Home Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Cinch Home Services, Inc.

  4700 Exchange Ct STE 3 Boca Raton, FL 33431-4450

  
• 

  Cross Country Home Services

  1520 E Greenville Street, Suite K Anderson, SC 29621

• 

  HMS Home Warranty

  2650 Fountainview #200 Houston, TX 77057

• 

  Homesure of America

  648 Grassmere Park Nashville, TN 37211-3663

• 

  Cinch Home Services, Inc.

  1625 NW 136th Ave Bldg E # 200 Sunrise, FL 33323-2842

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:08/26/2022

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I reported to Cinch Home Services on Tuesday 6/16 about my ** Unit being broken down. I paid a $135 service fee and they entered a service request on the same day. I called them Wednesday evening 8/17 after not hearing anything about a service provider being sent to my home. I called Wednesday evening and a representative could not find a local service provider. The representative said they would have their service department call someone in the morning. On Thursday 8/18 and still did not hear about any service provider being dispatched I cancelled the service request. I contacted ****** Home Service Repair in *********, ******** to look at my ** Unit. The HV** technician determined that the ** Unit was broken, oil was out of the lines, so another unit would have to be ordered. I called Cinch Home Services to re-open a service request since the out-of-pocket cost would be burdensome to me financially. They called Forced Air on Thursday 8/18 to look at my ** unit. Forced Air in *********, ******** scheduled an appointment for Friday 8/19 to look at my ** unit. The HV** Technician with Forced Air determined my ** unit to be broken. He also said the coil to my furnace, duct work repair, and pipe repair would have to be completed. Cinch Homes Services was contacted on Monday 8/22 and the representative said they were waiting on additional information from Forced Air. On Tuesday 8/23 in the afternoon the approval was given for a new ** Unit. On Wednesday 8/24 I contacted Cinch Home Services and told them repeatedly that the temperature in *********, ******** was 80 degrees plus and I was getting sick from allergies. They said they would move my status to emergency and copy a supervisor on my service request. Thursday 8/25 nothing was done so I called again and told them that I was having difficulty with my allergies and coughing. They said they would move my status to emergency and nothing was done before. Over a week later, no parts have been sent to my HV** Technician.

  

  Business Response

  Date: 09/09/2022

  We are in receipt of Ms. ******* complaint. Please know, our goal is to provide quick and efficient solutions, and we sincerely regret any difficulty she experienced waiting on a resolution for her air conditioner claim.
  
  Our records indicate that our service provider reported on August 22nd there were several leaks in the condenser coils and a full system replacement was necessary, however, we did not have all the necessary information to finalize her claim until August 25th. This was completed on August 26th, and her equipment was ordered. Since submission of her complaint, we confirmed with our service provider that her replacement air conditioner has been installed. We called **************** on September 7th & 8th and left her voicemail messages. She is welcome to follow up directly if further assistance is needed.
  
  The deductible **************** paid for service on the request she cancelled has been refunded and will go back to the card charged within ***** hours.
  
  We appreciate the opportunity to review her case.
  
  Respectfully,
  ******,Customer Relations  

  Customer Answer

  Date: 09/09/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:08/26/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Had an existing warranty with ***** Home warranty on my 5 major appliances for years. Recently, had an issue with my dryer and my washer. When I called the main number to file a claim, I found out it was no longer ***** but Cinch Home Services. They require a $75 deductible payment upfront to arrange for service. ( that is in addition to the $50 I pay monthly as coverage ) When I initially called about my dryer last month I had no trouble having a service provider come to my home who quickly determined that the problem was not with the dryer itself but with the vent and claimed that he was not allowed to touch the vent and I would have to fix it myself. I felt like I had no other recourse but to fix the vent on my own. On August 2 my washer broke. I called to file another claim and once again paid $75 up front. It took me multiple calls and over a day to arrange for another service provider to come to my home. I waited three weeks for them to return with a control panel because the original panel they ordered was incorrect. After they installed the panel in my home last Friday they determined that the water pump was also broken. They have not called me to replace the water pump and I have been left without a washer now for 26 days. I discussed the issue with Customer ********************** multiple times and they just claim that they can send someone else out to fix the problem. I have paid over $150 in laundromat fees and I cannot afford to wait for my washer to be fixed by another provider. They guarantee if they cannot fix your appliance, they will replace it. They have not fixed my washer and they should not be given an unlimited amount of time to correct the issue. At the very least they should return my deductible.

  

  Business Response

  Date: 09/09/2022

  We are in receipt of Ms. ***** complaint and regret to hear the claim for her clothes washer has left her frustrated. We aim to provide a hassle-free claims experience and, in this case,we did not meet our objective. Our records indicate that ************ contacted us to have another provider assigned to her claim as the provider assigned was unable to service her in a timely fashion. We then received an email from *********** advising the service company M & S replaced the control board and waiting on the water pump to be ordered and installed. Our records do not indicate M & S have been approved for any repairs and we reached out to ************ on September 9th for clarification of these visits. We were unsuccessful in reaching her and we left a detailed voicemail message for her with our direct contact information should she wish to follow up with us directly. We will follow up with ************ to address her concerns and ensure her claim is resolved.
  
  Respectfully,
  *********, Customer Relations 

• Initial Complaint

  Date:08/26/2022

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I made a claim with Cinch Home Services for my home warranty. They scheduled a provider to come out on 8/6/22. ***** came out. Tech says need an ac replacement, submits request. Receive call 8/11 Cinch approved replacement will receive email in 24 hours for the information for the process and what they have authorized to pay. That's yet to happen. I've contacted them 8/18,8/20, and 5 times on 8/25 and again on 8/26. Always promising an email within 24 hours and a call back from supervisor and neither of those has yet to happen. They say they email ******************* My ticket is escalated and nothing. I'm still waiting with no air in triple digits heat. Cinch is doing nothing but giving me the run around. Each person I speak to gives different information always promising an email. I've verified my email. It is correct. I've checked all mail, spam no email. I asked to be put on phone with supervisor and they do not. I've asked to be put on phone with human resources and was hung up on.

  

  Business Response

  Date: 09/08/2022

  We are in receipt of Ms. ****** complaint and recognize the claim for her air conditioner has left her frustrated. We aim to provide a hassle-free claim process and in this instance we did not deliver. During our review, we found opportunities for better communication between our company and our service provider regarding the status of her service request. We did reach out to ************** on September 8th where she indicated that the replacement of the unit has started in the process. We will continue to follow up with her until the replacement has been completed.
  
  We appreciate the opportunity to review her case.
  
  Respectfully,
  ****, Customer Relations 

• Initial Complaint

  Date:08/25/2022

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  7/20/22 I placed a Cinch Home Services claim as my home central air system was not cooling. I paid $110 deductible and Service Order # SCCQ72FCD8D6 was created for my A/C issue. ***** Home Services was assigned to service my claim and I got an appointment for Saturday 7/23/22. ***** tech said my unit wasn't cooling because it was low on refrigerant, and 2 lbs Freon was loaded. The attic and outside cooling units are two years old and should not be losing Freon unless there was a leak. I requested it but ***** could not do a leak check. Right after the ***** tech left the system failed again and wasn't cooling, and there was now a screeching/whistling noise coming from my outside unit that could be heard inside the house. The noise was loud and a substance was spraying out of the unit periodically with the noise; immediate help was needed. I called ***** but they would not speak with me and said I needed to contact Cinch for warranty service. I called Cinch 10:27 am on 7/23/22 and was on hold for more than two hours and no one came on the line. I hung up after more than two hours and called them again at 12:30 pm and selected to get a callback but it was an emergency by now. I had a local HVAC company come out. The first service had overloaded the system with Freon, and refrigerant was being expelled through a valve. The 2nd tech cleansed the external unit and reclaimed excess Freon. I paid $429.98 for this emergency visit. Cinch didn't call back until 3:43 pm on 7/23/22, 3 1/2 hours after I requested a call, after the emergency HVAC visit was done. I submitted reimbursement request to Cinch via email 7/25/22, provided receipts via email 7/27/22 but have received no reimbursement. I request reimbursement of $429.98 for the emergency HVAC visit and the $110 deductible that I paid. Thank you.

  

  Business Response

  Date: 09/08/2022

  We have received ******************** complaint and regret the amount of effort she has put forth to resolve this matter. We aim to provide an effortless claims experience, and, in this case, we did not meet our objective and apologize for any inconvenience caused.
  
  Our records indicate that ***** found the unit low on refrigerant and added two pounds of Freon to the system, which was operational upon the technicians departure from the home.  The unit stopped working shortly after the technician left the home and ****************** hired her own company to come out and further diagnose and repair the system. They found the unit was overcharged with refrigerant and corrected this matter; soon after the unit started working properly. The provider also advised the ventilation in the attic needs to be upgraded to allow for adequate air flow for the system to work efficiently.
  
  Each provider assigned to a service request is licensed and insured and responsible for their own work.  The warranty specifically states we are not liable for any work completed outside the warranty without our prior consent and her request to be reimbursed for the work completed was declined. After careful review of the circumstances surrounding her claim, we have approved to reimburse ****************** for the cost associated with the repairs needed after ***** went to the home. The reimbursement should be received no later than September 22nd. We reached out to ****************** on September 6th to provide her with this update, but we were unsuccessful in reaching her. A detailed voicemail message was left for her with our direct contact information should she wish to reach out to us directly.
  
  We appreciate the opportunity to review her case.
  
  Sincerely,
  *********, Customer Relations  

  Customer Answer

  Date: 09/15/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:08/25/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a claim with Cinch Home Warranty on my washing machine. The claim was open up in July 2022 where I paid my deductible of $110.00 the service guy said the was machine couldn't be fix that has to be replace that the Cinch will contact me on when they will. I had to contact them. They did tell me that it will be a GE washing machine similar to what I had and the delivery company will contact me and let me know time and when they will deliver. I got 2 calls on two occasions when they would come and still NO washing machine. It has been 3 months and still NO washing machine. They want me to do there job by giving me all these telephone numbers to GE and the delivery company about my washing machine still no answers. I all so ask them to open a new claim on this order and send me a check and I will go shopping and find me washing machine. I want Cinch Home Warranty company to do there job. I want my washing machine ASAP. I will not recommend these company to anyone. ?? Need this claim resolved.

  

  Business Response

  Date: 09/08/2022

  We are in receipt of Mrs. ***** complaint and recognize the inconvenience of going without a major appliance for an extended period of time. We apologize for any difficulty she experienced while waiting for her replacement clothes washer to arrive. Unfortunately, there are some things which are out of our control such as availability for parts and replacement appliances. Since submission of her complaint, her replacement clothes washer has been received by the delivery company in her local area. We have been in contact with *************, and her replacement clothes washer is scheduled to be delivered and installed on September 8th. We will follow up with her again to ensure this matter is fully resolved.
  
  We appreciate the opportunity to review her case.
  
  Respectfully,
  ******, Customer Relations   

• Initial Complaint

  Date:08/25/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I initiated a claim (SCCQ72FE720D) with Cinch on 7/26/22 as my air conditioning stopped working. The technician came out and Cinch approved a full replacement of my AC system. Initially they told the contractor that the parts were ready for pick up on the week of the 8th I believe so the contractor went to get the parts but they were reportedly on back order so Cinch said they were sourcing the part from a different vendor. I called back on 8/12 and was advised that the parts would be ready in 3-5 business days. I called back on the 17th and was again told 3-5 business days again after being told that on the 12th and the person I spoke with then told me that the needed parts would be ready by that Friday (8/19). I did not hear anything so I called on Sunday (8/21) and was told the parts would be ready on Tuesday (8/23) but of course the parts still werent ready. I called twice today (8/25) and the person I spoke to was very rude and wouldnt tell me any information. I requested to speak to the department that is actually tracking the parts and she said the best she could do was email them. I advised her I wanted to speak to a supervisor and she refused to acknowledge my request. She then introduced a bit of static on the line after refusing my request then she flat out just stopped talking to me but I know she didnt hang up. I called again for a supervisor and no one has called back. I talked to the contractor today and they told me they even suggested to Cinch to use parts that they could readily use to fix my problem but Cinch refused. I have small children and this is unacceptable. The contract says they arent responsible for delays within their control but if the contractor can source parts from a different vendor or brand immediately then that is within the scope of their control and they arent honoring the terms of the contract. Its been almost a month. The contractor said they can source the parts from a different vendor or brand so why is there no fix?

  

  Business Response

  Date: 09/08/2022

  We received Mr. ********** complaint and sincerely apologize for the amount of effort he had to put forth to resolve his air conditioner claim. In this instance, we ordered equipment immediately, but a portion of the equipment was later backordered. Although we are not responsible for equipment availability, we agree with ********************** that there may have been alternate solutions which may have resolved his claim more quickly. We regret that more effort was not made on our part to determine whether the service partner could have provided the equipment any faster. As a customer ********************** gesture, we made the decision to fully reimburse his deductible and surcharge payment he made for service on his air conditioner. It will be returned to the card it was paid from within 3 to 5 business days.
  
  Our records indicate that since submission of Mr.********** ********** his unit was replaced, and his thermostat was subsequently replaced in order to fully restore the air conditioning in his home. Should he have any further questions or concerns he can reach us directly at ****************************************
  
  Respectfully,
  ******, Customer Relations 

• Initial Complaint

  Date:08/25/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hone warranty claim for broken compressor. Warranty replacement was authorized. Replacement unit arrived after 2 weeks and was installed. After installation, I discovered the replacement unit was a 4 ton unit to replace my previous 5 ton unit. This is wholly unacceptable as the smaller unit is not sized for my house. The total square footage, not including my basement, is **** sqft. This space requires a 5 ton AC unit as my previous unit (ck62) was.

  

  Business Response

  Date: 09/07/2022

  We are in receipt of Mr. ******* complaint and have completed a thorough review of the service request for his air conditioner. Our records indicate that we approved a full system replacement, however, the unit installed was not the correct size. We sincerely apologize for the error that was made and we are working to make this right. Since submission of his complaint, we have ordered a 5-ton air conditioner system which has shipped and is currently in transit to the service company.
  
  We spoke with **************** on September 7th to address his concerns and will remain in contact with him to ensure a quick resolution from this point forward.
  
  We appreciate the opportunity to review his case.
  
  Respectfully,
  ******, Customer Relations  

• Initial Complaint

  Date:08/25/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My ** fridge was repaired in December of 21 and at that time I purchased a warranty under ***** Home warranty services which is a part of Cinch Home Services. In Febuary I notified them that the fridge was no longer working. Since that time they have come to the home on 8 different occassions, had 4 no-shows, and my fridge has not worked for longer that 24 hours after each repair. Since June, I have been requesting that it be replaced under the warranty claim that it is not fixable. Since that time they have made 4 visits but have not been able to fix the problem. They continue to state that a technician needs to deem it non-repairable, however to this date they have not done so. They offer no other solutions but have a tech come out which is usually a 3-4 week wait and even longer if they need to order an additional part. In my view 8 repair appts should be enough to validate that the fridge cannot be repaired and they should replace it under the warranty. Six months without a working fridge is a long time and I have run out of patience waiting for them to meet their obligations under the warranty. Attached is a email I sent to them filing a complaint to their customer **********************.

  

  Business Response

  Date: 09/07/2022

  We have received ************************ complaint and recognize the urgency of having a working refrigerator. Please know we would never allow for a customers claim to be intentionally delayed, and there are times that it may take more than one repair attempt to restore an item to full functionality.Upon receipt of his complaint, we reviewed the repair history and determined that due to the extent of the repairs already performed, the best course of action would be the approve a replacement. On September 7th we spoke with ********************** to make him aware of our decision. He has the option to either accept a replacement model we are offering or a cash payout of equal value to his claim. Once his decision is made, we will process his request accordingly.
  
  We appreciate the opportunity to assist him in resolving this matter and to address his complaint.
  
  Respectfully,
  ****, Customer Relations 

• Initial Complaint

  Date:08/25/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Claim Number: SCCQ83074554 My heat pump is broken. Cinch has approved replacement of only the interior part of the unit. Everything I can find about this suggests that both the interior and exterior part of the heat pump should be replaced.Replacing only one part of a heat pump and attempting to connect it to another part that it was not meant to be connected to can cause damage to both parts or (over time) cause the failure of the heat pump. It will also void factory warranty for whatever was installed and reduce the efficiency of the heat pump.I have tried explaining this to customer **********************, and they said they can only replace what the tech said needed replacing.When I called the tech, he said that he explicitly told them the above information and said that we should replace the exterior portion of the heat pump He said that his suggestions were overruled.As it stands, this means we will be connecting a brand interior portion of a heat pump to a 33 year old exterior section. This is going to break one or both sections of the heat pump.

  

  Business Response

  Date: 09/08/2022

  We have received Mr. ********* complaint and recognize that he has concerns regarding the claim decision for his *** conditioning system.The warranty specifically addresses the parts and/or components of the covered items that have suffered mechanical failures due to normal wear and tear. Mr.********* *** conditioning system is considered a split system, which means that the indoor and outdoor portions are treated as two components. It is an accepted industry practice that should only part of the system fail, that portion can be replaced in order to rep*** the system without requiring a full replacement. In the instance of Mr. ********* system, only the indoor portion suffered a failure which is why we did not approve to replace the working outdoor condensing unit. ******************** worked closely with a member of leadership to see this through to resolution and we can confirm that his system has since been restored to full functionality.
  
  We appreciate the opportunity to address his complaint.
  
  Respectfully,
  ****, Customer Relations
  

• Initial Complaint

  Date:08/25/2022

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have requested services from this company twice and they have taken my deductible for 200 dollars and have not fixed any of my services and continues to argue with me over the phone as I try to dispute these first time issue in my household I have had these services since 2014 and paid over **** dollars. This is getting out of hand.

  

  Business Response

  Date: 09/08/2022

  We are in receipt of **************** complaint and recognize the frustration of learning covered items do not meet the qualifications of coverage as depicted in the warranty Agreement. It is our goal to be there in our customers time of need and we have fully reviewed his account to ensure he has been provided with the full benefit of his home protection plan.
  
  The warranty is specific within the terms of the Agreement and there are some items and/or conditions which do not qualify for coverage under the plan. In this instance, the technician reported the wiring was cut and there were signs of damage caused by pests. The warranty specifically states damages caused by pests are not covered nor are failures attributable to the improper installation of the unit. Based on the diagnose provided, the refrigerator does not qualify for coverage under the plan. We have included the complete relevant portion of the contract below for ease of reference.   
  
  We appreciate the opportunity to review his case.
  
  Sincerely,
  *********, Customer Relations
  
  
  
  
  
  IV. GENERAL EXCLUSIONS AND LIMITATIONS
  1.This Agreement shall not cover any Item(s) if they are:mismatched (systems with components having capacity ratings); modified from the original manufacturer design or application; items determined to be defective by the Consumer ************************* or the manufacturer and for which either has issued, or issues, a warning or recall, or which is otherwise necessitated due to failure caused by the manufacturers improper design, use of improper materials and/or formulas, manufacturing process or any other manufacturing defect; improperly installed; or below the slab or basement floor of the home; or located outside the perimeter of the main foundation (i.e.,outside the outer load bearing walls of the structure with the exception of central air conditioning unit, main electrical panel) or unless specifically covered with optional coverage purchased for items outside the main perimeter.
  2. This Agreement covers only repairs and/or replacements due to mechanical failure attributable to ordinary wear and tear. Accordingly, the Agreement does not cover failures which may result from other causes, such as,without limitation: abuse, misuse or neglect; improper or insufficient maintenance; lightning strikes; missing parts; animal, pet and/or pest damage;power failure; power surge; fire; casualty; acts of God; structural and/or property damage; flood; smoke; earthquake; freeze damage; accidents; war; acts of terrorism; nuclear explosion, reaction, radiation or radioactive contamination; insurrection; riots; vandalism; or intentional destruction of property. This Agreement does not cover mechanical failures resulting directly or indirectly from or caused by mold, mildew, mycotoxins, fungus, bacteria,virus, condensation, and/or wet or dry rot regardless of the source, origin, or location and any other cause or event contributing concurrently or in any sequence to the mechanical failure.