So... I do understand the frustration with eSurranty among most of the reviewers. This company does have a lot of room for improvement, mainly on their communications.
Due to delays in communications, I also had a moment of doubt that they may really be an online scam. After a few communication attempts via email and phone, claims department manager Rick reached out to me personally to move things along and offered an explanation that the delays were being caused by a shoddy operational infrastructure with their subcontractor, and after that, things went smoothly.
These guys are not as bad as their yelp reviews suggest, and they definitely aren't a scam.