This is the worst company I have EVER encountered. I agree with everything everybody is saying above how you will wait up to an hour to talk to a human being and even more frustrating is that you will reach the wrong department and get disconnected "accidently" during the transfer. Comically enough, I faxed, US postal mailed and electronically sent in my invoices to HSA three times each and I still had to send it in a tenth time. Basically every claim is denied. They referred me to a plumber to fix my stove...you would think the business name "Karl's Plumbers" would have given it away for them. I could go on and on....bottom line is that if you got this warranty when you purchased your home it is MEANINGLESS. They make it is frustrating as possible to work with them.