Frequently Asked Questions


HUD's Interpretive Rule of RESPA

In response to the recent "interpretive rule" published by the U.S. Department of Housing and Urban Development "HUD" in the June 25, 2010 Federal Register, many questions have recently been raised regarding service fees paid by home warranty companies to real estate professionals on a 'per transaction' basis.

Why is HWA™ the home warranty company I should choose?

HWA has been protecting homeowners since 1996. We care about our customers and their home repair issues. Even when an item is not covered, we will do our best to make sure you are serviced by the most responsible repair company.

Compare HWA's coverage to others. We offer comprehensive coverage and often include appliances and other items that are not covered by our competitors for the same or a lower price.

How do you work with your service contractors?

HWA reviews and approves service contractors through an exhaustive process. See About Our Service Providers area. Unlike some other home warranty companies, we have a dedicated Vendor Development Department that has created a database of thousands of providers in all disciplines around the country to get you back up and running quickly and efficiently.

What do I do if I think I have a claim?

We want you to call our Customer Service Department 24/7/365. They are highly trained in the claims process as well as in helping you possibly troubleshoot your problem and maybe not even need a trade call. This will save you the trade call fee. Many times a switch may have accidentally been turned off or another simple fix and we can save you money!

In the event that you do need a service technician, you will call our toll-free number (1-888-492-7359) and our Customer Service Representatives will help you right away. They have instant access to the database and can refer you to one or more service technicians right over the phone. They will help you get assistance as fast as possible.

What if my appliances and systems are old?

HWA covers older and newer homes. There are no age restrictions. No inspection is required. Any covered appliance or system that breaks down due to normal wear and tear that was in proper working order on the effective date of your warranty is covered.

What is Premium Coverage?

Premium Coverage is an option you can buy to cover parts that are not covered by typical home warranty contracts. For example, in a dishwasher racks, baskets, rollers and door seals are not typically covered, but if you have premium coverage they are covered. There are over 30 items covered in HWA's Premium Coverage. See Costs & Coverage area for details.

Do you cover Pools and Spas?

Yes we do. Please refer to Costs & Coverage area for details. We even have coverage for second refrigerators, wet bars, stand alone freezers and more.

How can I know if an item is covered?

Keep your contract in a safe place with all of your other key household papers. It is designed in a systematic fashion so that you can read it easily. It is organized into major categories such as Ductwork, Plumbing, Water Heater and so on. Go directly to that highlighted area of your contract and read that paragraph. This will also help you troubleshoot your problem before you call. But do not hesitate to call us if you are still unsure. We are here to help.

What appliances are covered in GreenPlus?

Always refer to your contract for details. The following are included:

Dishwasher, Kitchen Refrigerator, Clothes Washer

What is GreenPlus?

For 2008, HWA has come out with the first in the industry green home warranty option. This is exciting news! You can purchase this option for just $75 and when you need a replacement for a covered appliance or system, you will get an ENERGY STAR qualified product, a 90% efficiency furnace or a tankless water heater.

What is the difference between home insurance and a home warranty?

Home insurance and home warranties are both designed to help you in the event that experience a loss or damages to your home and/or your belongings. While coverage could in some instances overlap, both policies for the most part offer different coverages.

Home warranty - A home warranty protection plan covers repairs and replacements on systems and appliances within your home that fail due to normal wear and tear. The covered items must be in proper working order before the contract is entered into with the home warranty company.

Home insurance - A home insurance policy covers the structure of your home, your personal belongings, and other structures on your property if damage or loss is caused by a covered peril such as fire, hurricanes, wind damage and others.

What Do I Need to Know About the New R-410A Refrigerant for A/C Systems?

Beginning January 1, 2010 the EPA requires R-410A (also known by the brand names Puron, SUVA and GENTRON AZ-20) refrigerant in air conditioning and heat pump systems. This means that all new air conditioning and heat pump equipment produced in or imported to the U.S. must use R-410A or another non-ozone depleting refrigerant.

Click here for more information and FAQs on the new R-410A regulations.

What Do I Need to Know About the ENERGY STAR Rebate Program?

Do your clients know that more than 70% of the energy used in our homes is for appliances, refrigeration, space heating, cooling, and water heating? Replacing old appliances and equipment with those that are ENERGY STAR labeled can help American families save significantly on their utility bills. 

Click here for more information about the ENERGY STAR rebate program.

Our Purpose

To provide helpful service with empathy and compassion

Our Promise

To provide comprehensive high-value home warranty coverage.