Complaints

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

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• 

  Guardsman

  3196 Kraft Ave SE Ste 105 Grand Rapids, MI 49512-2079

  
• 

  Guardsman Furniture Master Finishing

  1931 Spreading Bough Ln Richmond, TX 77406-1881

• 

  Guardsman Furniture Pro

  5299 Sleepy Hollow Rd. Newburgh, IN 47630

  
• 

  Guardsman Furniture Pro

  4157 Point White Dr NE Bainbridge Island, WA 98110-4051

• 

  Guardsman Furniture Pro of NY

  521 Fifth Avenue Suite 1700 New York, NY 10175-0003

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:10/16/2024

  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 bought a five year extended warranty from Guardsman. I sent them a claim within 4 months of buying the couch. There was a spill on it which was supposed to be covered. They denied my claim saying I did not send them a bill showing it was paid. I already sent them the claim and bill in a timely fashion. I resubmitted the bill and now they claim i submitted the bill too late. This warranty is supposed to be for 5 years. It is not even one year old

  

  Business Response

  Date: 10/17/2024

  Guardsman was contacted on 5/15/2024 at that time we advised a sales receipt was needed. The sales receipt was not received when the claim was submitted.  An email was sent on 6/27/2024 asking for some additional information and advising that the sales receipt was needed. On 7/18/2024 we spoke with you and advised again that the sales receipt was needed.  On 10/10/2024 we spoke with you and advised we still had not received the sales receipt. We did receive the sales receipt later in the day on 10/10/2024.  The terms of the protection plan state that we must receive the completed claim form and the sales receipt within 30 days of when you first contact Guardsman. Per the email on 6/27/2024 we did allow and an additional 15 days from that date for the dales receipt to be received.  That timeframe was exceeded and we are unable to service this request.

• Initial Complaint

  Date:10/14/2024

  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 purchased a kitchen table and chairs. I filed a claim due to staining on both items. I was sent a cleaning kit and then a repair *** was sent out to attempt to clean it. He sent it was not able to be repaired due to the type of wood the table is. He said he will let guardsman know. They decided the stains weren't covered. I paid for a warranty I am not able to use. the repair *** said they could replace the table top if they wanted to because this issue is common with this table and they could replace the chairs. i received an email stating the items werent covered. Why would they sent cleaning solution if it wasn't covered?? i want a refund for the items as when they were purchased we were told anything is covered or we wouldn't purchased the warranty

  

  Business Response

  Date: 10/17/2024

  The technicians report and photos show that there is an accumulation of stains and damages on the table and chairs.  The protection plan does not service for stains and damages that have accumulated over time. We are unable to service this request.

  Customer Answer

  Date: 10/18/2024

   
  Complaint: 22419787
  
  I am rejecting this response because:

  When the table was purchased the warranty said it covers stains and damages. Because you don't want to honor your warranty doesn't make it an acceptable response.

  
  Sincerely,
  
  ******** **********

  

  Business Response

  Date: 10/21/2024

  The protection plan has a specific list of covered stains and damages as well as a list of damages that are excluded.  The protection plan does not cover damages that have accumulated over time.  This is specifically listed under section  7.4.3 of the protection plan. We are unable to service this request.

  Customer Answer

  Date: 10/22/2024

   
  Complaint: 22419787
  
  I am rejecting this response because:
  The repairman said the table could be fixed by them replacing it. The stains in the chair were never looked at when the repairman came out. He saw the table and said the material is flawed. 
  Sincerely,
  
  ******** **********

  

  Business Response

  Date: 10/29/2024

  As previously advised the technicians report and photos show there is an accumulation of stains and damages on the table and chairs. The plan does not cover for stains and damages that have accumulated over time.   We are not able to service this request.

  Customer Answer

  Date: 10/29/2024

   
  Complaint: 22419787
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******** **********

  Customer Answer

  Date: 10/29/2024

  They do shady business practices and there is no need to go back and forth. 

• Initial Complaint

  Date:10/11/2024

  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.

  We purchased our couch in 2021, wa paid the $299.00 for the 5 year COMPLETE protection plan. I have sent 2 claims of simple water stains caused by my child an her friends wet hair. I had to fill out an insanely confusing claim form. I heard nothing back but was sent a "kit" which was a 59mL bottle of spray. After several weeks I submitted a second claim this time with multiple pictures and was sent a second "kit" and was told that the plan does not cover the stains on the couch! Sectional-Left Arm Facing - ***************** The damage you reported is preventable, excessive, extreme, or repetitious, all of which are excluded from coverage under the section of your plan titled "Improper Maintenance, Care, or Misuse." In some protection plans, this exclusion can be found in section 9. Sectional-Right Arm Facing - ***************** The damage you reported is preventable, excessive, extreme, or repetitious, all of which are excluded from coverage under the section of your plan titled "Improper Maintenance, Care, or Misuse." In some protection plans, this exclusion can be found in section 9.I recently called back to complain and get the problem resolved and I was told unfortunately there is nothing they can do as the stain is in multiple areas. What is the point of the insurance if it doesnt cover anything? It was 3 children with wet hair sitting on separate sections of the couch. To me this insurance is a scam!

  

  Business Response

  Date: 10/17/2024

  Our records show that we were first contacted on 5/28/2024 with a report of water stains on the sectional.  We received a report that the cleaning kit that was sent did not work and on 6/28/2024 an email was sent requesting additional photos. We never received those photos.  On 8/16/2024 we spoke with you and advised of the additional photos that were needed.On 8/30/2024 we received another claim form reporting additional stains. The photos received show that there is an accumulation of stains on the sectional. The protection plan does not cover stains that have accumulate over time. We do show that there was an error made in the denial email that was sent to you and the denial letter should have advised: The damage you reported is accumulation of stains, soil, or damage from repeated use, which is excluded from coverage under the section of your protection plan titled "Ineligible Furniture and Components." In some protection plans, this exclusion can be found in section 7. We encourage you to refer to your protection plan for complete information about coverage, exclusions, service procedures, and the length of coverage. We do apologize for the incorrect email being sent.
  
  

• Initial Complaint

  Date:10/08/2024

  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 bought a furniture protection plan with Guardsman for a ******* sectional. The plan covers animal damages caused by a one-time incident. I submitted a claim for damages caused by a cat scratch on the furniture. Both the claim and my appeal were denied. I was told the appeal was denied because I did not specify that this was a one-time incident. Guardsman refused to take any additional information or clarification from me that this was a one-time incident. This claim should be covered. This damage was a one-time incident caused by a cat scratching the furniture, which is covered under my plan. Guardsman should repair or replace the damaged furniture.

  

  Business Response

  Date: 10/10/2024

  The protection plan provides service for animal damage from a one-time incident.  The photos show extensive damage in 3 different locations not consistent with a one-time incident. There was also no incident reported on the claim form. The protection plan excludes extensive damage in section 9.8 of the protection plan.  We are unable to service this request.

  Customer Answer

  Date: 10/11/2024

   
  Complaint: 22395023
  
  I am rejecting this response because Guardsman is failing to uphold its end of the contract. The damage submitted in this claim is in fact from animal damage that occurred in one incident on one specific date.  The incident was identified in the claim form as the cat scratching the furniture.  Consumers purchase your protection plans for this exact purpose. Our contract states one incident of animal damage will be covered. Guardsman should reconsider and approve this claim as it clearly does meet the requirements.  
  
  Sincerely,
  
  ******* *******

  

  Business Response

  Date: 10/17/2024

  The photos show extensive damages in 3 different locations.  Extensive damage is listed as an exclusion in section 9.8 of the protection plan We are unable to service this request.

   

   

   

  Customer Answer

  Date: 10/21/2024

   
  Complaint: 22395023
  
  I am rejecting this response because the damage meets the criteria of section 6.1.3.  "A single incident of damage per piece caused by a household pet."   One incident of animal damage should be covered for each piece of furniture.  This is the first claim of animal damage on my furniture.  It should be covered.  
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  Date:10/03/2024

  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.

  I submitted a claim on 04JUL2024 for furniture damages that should be covered by my policy. I did not hear anything for weeks, so I called back (unsure of exact date). They said they were waiting for additional documentation. I told them no one contacted me to tell me that. The woman on the phone said it must have been an oversight. I sent additional documentation. I did not hear anything again for a few weeks, so I called again. The said they never received a receipt. I explained that I had sent it twice. The woman on the phone just kept saying they needed the documents. I sent all of the documents I previously sent again. I then received a denial email because I was outside of the 30 day window. This was clearly an attempt to avoid my claim. No one from their company ever contacted me to say they needed something additional. I contacted the furniture store for additional support. They attempted to contact Guardsman, but were not successful in obtaining the repairs.

  

  Business Response

  Date: 10/10/2024

  Our records show that Guardsman was first contacted on 6/25/2024. the terms of the protection plan state that Guardsman must receive the completed claim form and the sales receipt showing both the plan and covered furniture within ********************************************* damage. the sales receipt with this information was not received in our office until 9/26/2024.  This exceeds the 30 days as outlined in the protection plan. We are unable to service this request.

  Customer Answer

  Date: 10/11/2024

   
  Complaint: 22374942
  
  I am rejecting this response because Guardsman did nothing to contact me and request the missing information. I contacted them multiple times in their 30 day window. I did not receive any follow up from them until they denied my claim. 
  
  Sincerely,
  
  **** ****

  

  Business Response

  Date: 10/17/2024

  The agent advised in the original phone call on 6/25/2024 that the sales receipt was needed.  The terms of the protection plan also state that Guardsman must receive the completed claim form and the sales receipt showing both the plan and covered furniture within ********************************************* damage.  Our records do show that the original agent that was processing the claim did not send the reminder email that that the sales receipt was needed.  We do apologize for that error. We do show another agent sent an email requesting the sales receipt 7:00am on 8/8/2024.  We then spoke with you at 8:47am on 8/8/2024 and advised the sales receipt was needed. The sales receipt was still  not received in our office until 9/26/2024. We are unable to service this request.

  Customer Answer

  Date: 10/18/2024

   
  Complaint: 22374942
  
  I am rejecting this response because: I never received any notifications.  There should be some obligation on the part of Guardsman to ensure they have actually notified a customer.  I do not know where the email they say was sent on 08AUG2024 went, but I did not receive it.  
  
  Sincerely,
  
  **** ****

• Initial Complaint

  Date:10/01/2024

  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.

  We paid $750 for a 5 year warranty through Guardsman on a sectional we purchased from ****************. The fabric near the seams in both arms of the sofa are separating--no rips or tears, just strands of fabric further apart from one another where they should be tight together. We contacted Guardsman and they came out to inspect and ultimately denied our claim saying the issue is what they decided to call a "stress tear." The policy states that "tears" are covered but that "stress tears" are not. None of the fabric is torn. As stated previously, all strands of fabric are still in tact, they are just separating with space between the strands where there should be no space. This is clearly an attempt to avoid fixing the issue that my warranty said it covered ("seam separation" that they want to reclassify as "stress tear"). It is an immoral practice to list things that make sense to a buyer and then go and create a bunch of nonsensical technical classifications so you can list those in the detailed policy document that is not something the average person can understand so that you can avoid covering it.On top of that, their customer service representatives would not explain what kinds of tears are actually covered and told me that since I asked any further claims would be denied, which also seems like it should be illegal. I requested that the ends of the sectional be replaced as those are the arms that have the seams separating (what they want to call "stress tears").

  

  Business Response

  Date: 10/07/2024

  The Guardsman protection plan is primarily an accidental protection plan that has a specific list of accidental stains and damages that are covered.  There is also a list of exclusions under the "What is not Covered" section of the protection plan.   The photos show that the weave is loosening and pulling away from the welting, This is not something that is covered under the protection.  We are unable to service this request.
  

  Customer Answer

  Date: 10/13/2024

   
  
  Complaint: 22365143
  
  
  
  I am rejecting this response because: "is primarily an accidental protection plan that has a specific list of accidental stains and damages that are covered" is intentional legal jargon used to trick people into buying what they believe is an extended warranty when really it's just accident protection. The sales people say "It covers pretty much anything that might happen", which a lay-person would assume would include seams coming apart. Guardsman has researched the most common issues and excludes them so that they don't have to cover the things that most customers experience. There are TONS of complaints all over the internet about this misleading and deceptive practice of Haverty's/Guardsman, so it's not just that I specifically misunderstood. If everyone is misunderstanding then that proves your tactics are intentionally misleading and deceptive, which is morally wrong regardless of the legal technicalities. 
  
  
  
  Sincerely,
  
  
  
  James Moscariello

  

  Business Response

  Date: 10/17/2024

  Guardsman can't speak to what was said at the time of sale.  All claims are processed according to plan terms and coverage. We are unable to service this request.

  Customer Answer

  Date: 10/18/2024

   
  
  Complaint: 22365143
  
  
  
  I am rejecting this response because: It is your responsibility to make sure your product is represented accurately and not be misrepresented by sales people. Your documents should address this very common complaint as seen on Google reviews and those left on the BBB. If you are not addressing this issue, it is deliberate neglect because a simple Google search across review platforms shows this issue and you would know about it. That's dishonest and you're just distancing yourself from the point of sale so you can pretend like it's out of your control, but it's not. You have it in the fine print that the average consumer doesn't read, but you should have a document that covers in clear, plain English in simple bulleted format what the warranty value is and what it *does not* cover so that there's no confusion and dissatisfaction down the road. 

  If you are somehow not tracking your online reputation and customer feedback about your product and services then this can be the moment when you become aware of it and address the issue and stop allowing customers to be misled about your product just so you can sell more warranties. Though, I don't see how it's possible that you haven't seen the recurring issues before my interaction.

  
  Sincerely,
  
  
  
  James Moscariello

• Initial Complaint

  Date:09/25/2024

  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.

  Guardsman service ***resentative files complaint, and then sends a cleaning solution for the stain which causes these awful water rings. Instructions say "dab at the stain". Then when you say the cleaning solution doesn't work and causes a more evident/darker stain, it is then the company reviews the photo and calls it "accumulation of stains", when their solution made it worse. I gave up the 1st time this happened, too much effort to argue. But now they will not come out and clean the new stain, because the old stain is still on the couch and they call it "accumulation of stains", or consider the other cushions with new stains. They just do not want to cover anything and save their money. When this product was sold to us, it was said they will cover all the stains listed on the warranty and you need to call ****. It doesn't say they can use excuses and you cant have new stains on top of older stains. If it's a covered stain, it should just be covered--but they have excuses to save their money. The cleaning solution does not work, it just spreads the stain and makes it worse. You end up with dark circles all over the fabric couch. Then they accuse you and say "you did not use it correctly." You cannot just dab cleaning solution at a juice or urine stain. It just pushes the stain deeper and spreads it. It will not get rid of it. The *** said, "We stand by our cleaning solution, it's a great product."

  

  Business Response

  Date: 10/03/2024

  Our records show that we received a claim in 10/12/2023 reporting water stains and general soiling from normal use. General soiling is not covered under the plan and the photos received with the claim show there was an accumulation of stains across the sectional.  In November of *************************************************************************************************************************** October along with additional stains. This is an accumulation of stains, which is not covered under the protection plan. The most recent claim again shows the accumulation of stains. As was advised when we spoke with you on 9/25/2024 you would need to have an overall cleaning done on the sectional to have the accumulation of stains removed and then if there is another accident we will review that claim, but if these stains remain it will be an accumulation of stains and will not be eligible for service. 

  Customer Answer

  Date: 10/03/2024

   
  Complaint: 22337728
  
  I am rejecting this response because: what was Guardsmans reasoning for initially rejecting the November 2023 claim, when that should have been covered as urine and juice is covered? They made an excuse and didnt cover that either, to save their costs. 
  
  Sincerely,
  
  **** ***

  

  Business Response

  Date: 10/08/2024

  As advised, the claim from November shows the same stains that were denied in Oct that were reported as general soiling and water stains. General soiling from everyday use is not covered. The photos for that claim showed an accumulation of stains The photos received with the claim in November showed the same stains along with new stains.  That is an accumulation of stains, which is not covered under the plan. The most recent claim again shows an accumulation of stain.  All of these claims were processed correctly. You will need to have an overall cleaning done that successfully removes any stans that are currently on the sectional before any new claims can be made.

• Initial Complaint

  Date:09/21/2024

  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.

  Electric on bed stopped working 2/4/2024. Send out repairman and he fixed the issue.Electric stopped working 6/25/2024 Send out repairman could not fix it (would inform Guardian)Guardian reports back to me that they no longer work with Mattress Warehouse (They switched ************ and so voids the contract. Was never told about this at time of purchase its only on Mailed contract. Mattress Warehouse never informed me they were switching ************ Went to Mattress Warehouse and was told they worked this out with Guardsman and Warranty would be covered. ****************** said they switched warranty companies a long time ago. Then why did Guardsman come out the 1st time? Now that I need parts, they want to refund my money. Parts are still available from Manufacture. Still have 5 years left on the Warrantee.

  

  Business Response

  Date: 10/08/2024

  Guardsman has provided the option available per plan terms. In section 5.1.3 of the protection plan it states:

  5.1.3. Refund: If We are unsuccessful in repairing the damage to Your Bed, and We are unable to provide a Replacement or Reselection because, for example, the retail
  store location where You bought the Plan has closed, no longer carries Guardsman Plans, changed ownership, or stopped selling Beds, or You have moved from the original store location’s operating area since Your Purchase, We will provide You a Refund of the Purchase price of the Plan rather than a Replacement or Reselection.

  There is nothing further that we can do.

  
  
  

   

  Customer Answer

  Date: 10/14/2024

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 22317969, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  Jerome Hatok

• Initial Complaint

  Date:09/19/2024

  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.

  Denied claim , company is fraud. Dont waste money or time sending documents. I will never spend money on a warranty again. 5 year ultimate defense outdoor furniture warranty. Say I sent documents late which is not true. Had numerous calls of them saying they were working on claim. They never sent a repair person to come. When they said they were missing pics I resent. I had sent those photos with my initial claim

  

  Business Response

  Date: 09/27/2024

  An email was sent to ********************************************** on 7/11/2024 advising additional information and photos were needed.  In that email it advised the you must call or respond by email within 15 days or he claim would be closed and ineligible for service.  We were not contacted until 9/5/2024 and the photos were not received in our office until 9/8/2024.  This exceeded the timeframe as advised in the email.  We are unable to service this request.

  Customer Answer

  Date: 09/30/2024

   
  Complaint: 22310444
  
  I am rejecting this response because: I never received the email in july.  When I called they told me to send the photos and did not indicate that I was wasting my time to resend the photos that were in my original request (which they did receive because it showed my claim went through).  There was no missing information as photos were sent with initial claim.  They should send a service person to look at furniture.  I will never buy or recommend to buy a guardsman service  agreement with this company ever again. I spent significant $800 for 5 year.  I dont believe this company has ever granted service with their agreements from all the complaints I have seen from other people.  I am done wasting my time as this is going nowhere.   Very disappointed and dissatisfied with guardsman and they are not a good business and should be reported as such so other people dont get screwed.  
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:09/19/2024

  Type:Order 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.

  We opened a claim with Guardsman on Aug ******* and filed it on Sep 12, 2024 and got denied stating that the claim must be filed within 30 days of opening. We have proofs that we submitted on Sep 12, 2024 (see the date and time in the images attached), but company is saying they received it on Sep 13. This is a complete breach of contract by Guardsman and we need action taken against this firm for using the contract to falsely deny our claim.

  

  Business Response

  Date: 09/27/2024

  The terms of the protection plan state that the claim must be received by Guardsman within ********************************************* damage to Guardsman.  It appears that your time zone is 3 hours behind the time zone that Guardsman is located which is Eastern time so the claim was received on 9/13/2024.   If we take that out of the denial the claim would still be denied for the rodent damage as the protection plan does not cover damage caused by rodents. We are unable to service this request.