Can I trust a warranty company?

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When you receive a warranty protection offer, you might wonder if it’s right for you. Can you trust a warranty company since many have a bad reputation for high denials and limited coverage options?

The answer lies in research – with a little bit of know-how, you can evaluate any program offer and determine if it’s the right fit for you.

Review the company

  • How long has the company been in business and have they had multiple changes to their brand name?
  • Are they partnered with any notable companies or industry organizations?
  • Read customer reviews.
  • Review their Better Business Bureau profile for accreditation and complaints.
  • Have complaints been resolved in a timely manner and to the customer’s satisfaction?
  • Have they been recognized by the BBB or industry associations for their customer service or contributions to the industry?

Review the Terms and Conditions for each offer and note the following:

  • What are the warranty coverage inclusions and exclusions?
  • Are there hidden service fees or deductibles?
  • Are there coverage caps on the amount paid per repair or per year?
  • Are there coverage restrictions?

What are people saying online?
Google the company name with the word “Complaints” and see what appears. Also note the kind and number of complaints a company has had with the Better Business Bureau or the State Attorney General.

Contact Customer Service
Call the company’s customer service number with questions. Were your questions answered to your satisfaction? Did you have a long wait time before you spoke with a representative? Does their company website have a “frequently asked questions” section that addressed some of your questions? How well the customer service team responded to your questions is usually indicative as to the level of service provided to customers.

Are they accredited with the Better Business Bureau?
All companies are rated with the Better Business Bureau, but some companies choose to be accredited, meaning they abide by a code of ethics set forth by the Better Business Bureau and communicate with the organization regularly by responding to all inquiries and complaints in a timely fashion.

Once you’ve completed an evaluation of the company, only you as a homeowner can determine which warranty is most beneficial for you.

Do I need a water or sewer line warranty?

Newspaper Headlines

It’s not uncommon to have homeowners tell us they don’t need a water or sewer line warranty because their lines haven’t broken and will never break. While we’ve uncovered this is far from the truth – many homeowners are unsure if they need a water or sewer line warranty. When evaluating whether or not to purchase a water or sewer line warranty, homeowners must first understand the coverage details. Warranties are not the same as insurance. While insurance typically covers damage to personal property as a result of service line failures, disasters and extreme circumstances (such as fire, flood, etc.), warranties focus on normal wear and tear – such as aging, ground shifting and tree root intrusion. Problems due to normal wear and tear with the sewer and water lines located outside the home are usually not covered under traditional homeowner’s insurance policies and could be very costly to replace or repair.

When considering whether or not to invest in a water or sewer line warranty, consider the following:

Age of the home
It’s common knowledge as products age, the failure rate increases. While newer homes with PVC pipes may be at lower risk than a 50-year-old home with clay pipes, the age of your home can help determine your need. As homes age, so does the infrastructure supplying water to and removing waste from them.

Types of pipes and length of lines
Do you know of what materials the water and sewer lines inside and outside of your home are made? Some materials are more prone to problems and have shorter life expectancies than others. Knowing what the lines are made of can help determine the level of risk. In addition, the longer the line, the greater the risk of failure and the higher the cost to replace them.

Weather
Weather conditions can affect a pipe’s life expectancy and conditions as they swell with changes in temperature and ground shifting. If the area in which you live is prone to heavy rainfall, droughts or extreme temperature changes – your infrastructure could be at risk.

Plants
The closer your water and sewer lines are to the ground’s surface and  plants and trees, the greater the chance of roots permeating the pipes. It only takes a small pinhole for a root to begin to infiltrate the line, which may result in a leak, clog or break.

 Cost
What is the cost-benefit ratio? Should you pay a small monthly fee for the warranty or do you have enough in your emergency fund to pay for a repair that could cost from $1,300 to $3,500 or more?

Fine Print
Check out the Terms and Conditions of the warranty. Do they adequately cover your particular situation?

Company
Before buying any product, do your homework; research financial stability, outstanding consumer complaints, etc.

Time
One of the many benefits of participating in a maintenance or warranty program is the ability to make one call to solve the problem. If your service line breaks, consider the time invested in locating a qualified, local plumber and scheduling the visit, which may require taking time off from work and is disruptive to your daily routine.

Call before you dig

Shovel in Dirt

Have you ever started to shovel in your yard and hit something hard? While you might think it’s just a rock or clay – it could be your water, sewer or gas line and accidentally puncturing it could be costly and potentially dangerous. While most utility and service lines are buried several feet beneath the ground’s surface, some areas have very shallow lines, which increase the chances of hitting a utility line located on your property. According to “The Top 5 Home Repairs You Should Never Do Yourself,” homeowners often get into trouble when they attempt to modify a plumbing system, like rerouting, repairing or replacing sewer pipes. Should a homeowner choose to repair or replace a utility line, a utility line location service is available to help determine the location of the lines.

Call Before You Dig is a federally-mandated national program that provides homeowners a utility line location service. By calling 811, the service will provide a locator who will help a homeowner locate the utility lines on their property to keep them from inadvertently hitting an underground line while digging. Even repairing a failed water or sewer line caused by root infiltration could disrupt service to neighbors if a homeowner is unaware that the underground lines on their property are connected to a shared line, which could result in a hefty repair bill and city-imposed fines.

Homeowners can have the utility lines on their property marked for reference – what a great idea! Knowing where the water and sewer lines outside the home are located will enable homeowners to monitor ground conditions for potential leaks or breaks via soft spots, pooling water or foul odors.

Calling 811 is simple from anywhere in the country. The number routes the call to a local call center that works with your local utility companies. Simply tell the agent your address and describe the intended project. Within a few days a locator will mark the approximate position of the pipes, lines and cables at your residence so digging can be done safely or noted for future reference. The locators will use color-coded flags as markers for the appropriate utility line:

  • Red – Electric
  • Orange – Communications and Telephone
  • Blue – Water
  • Green – Sewer and Drainage
  • Yellow – Gas
  • Purple – Reclaimed Water
  • White – Project Site

To contact your local 811 center, visit http://www.call811.com.

Average Cost of a Service Line Repair or Replacement

iStock_000000798259Large - BackhoeAs a property owner, you are responsible for maintenance of the water and sewer lines that run from the exterior of your home to the public utility connection. Should a line for which you are responsible break, spring a leak or clog, the repair can cost an average of $2,600 or more. If a sewer line breaks under the street before the tap (which is still the homeowner’s responsibility), the repair could be $10,000 or more. That’s an out-of-pocket expense that is both unanticipated and can wreak havoc on a family budget.  Usually repairs to the service lines on your property are not covered by a homeowner’s policy and the city in which you live is only responsible for public service lines. 

As a homeowner, you are responsible for the portion of line beneath your property that runs from the main connection to your home and like most repairs – if this line breaks it can be a very expensive repair. But just how expensive?

While actual costs may vary, HomeAdvisor.com shows that the national repair average of a sewer line repair is approximately $2,600 and approximately $1,030 for a water main. Keep in mind these are national averages for repairs and a variety of factors contribute to these costs such as the length of the line, depth and location of the problem.

Let’s take a look at what kind of factors contribute to a line replacement.

  • Problem Identified – Maybe you smelled raw sewage or noticed extreme damp spots in your lawn. The bottom line – you know there’s a problem and now you need a plumber.
  • Locating a Plumber – If you’ve never had the need for a plumber before and aren’t currently enrolled with a repair service, the process begins with combing through local plumbers to find an affordable and trustworthy plumber in the area. Your research might include whether they are licensed to do business in your area, whether they are knowledgeable to obtain permits to dig and verifying their accreditation status with the Better Business Bureau.”
  • Evaluation – Once you locate a plumber (or two), you’ll need to assess the situation. The plumber will come out and inspect the line and determine the problem. They’ll likely give you a quote and you may want to get a second opinion depending on the cost.
  • Factors Affecting the Cost –  There are a number of factors that contribute to the cost of a repair – such as the length of the line, location of the problem, and general plumber fees. Much like going to a mechanic or lawyer, you will have to pay people for their time and depending on how long the repair takes, the costs could add up quickly. The type of pipe you have may also affect the cost. It’s possible in some older homes you are using outdated pipe that is difficult to repair, resulting in a replacement need. The location of the problem can also cause headaches during a repair. It could be in a difficult-to-reach location, buried deeply under the earth or possibly the result of root intrusion from poorly placed landscaping.
  • After-the-fact Costs – Once the repair is made, it may not be the end of costs. If you had an unknown water leak you could be responsible for a hefty water bill if the leak went unnoticed for quite some time. Additionally, if the leak was significant enough, there may be landscape damage needing to be repaired. 

Replacing lines often requires digging, which involves a long, deep trench or trenches to remove the old pipes and install new ones at a cost of approximately $50-$250 or more per foot, depending on the length of the line, depth of the pipes, ease of access, local rates and code and permitting requirements. An average sewer replacement from the house to the public sewer system can cost upwards of $3,000; however, if the repair is complicated or the pipe is in the street it could be upwards of $7,000 to as much as $25,000 or more. CostHelper readers report paying $4,500-$13,000, or $50-$100 for per foot traditional replacement of 50′-100′ of sewer line, for an average cost of $7,493, or $106 per foot.

However, not all repairs require digging. Many plumbers offer trenchless sewer replacement, which uses a machine to push the old pipe out while installing a new pipe at the same time. Though less invasive on your yard, the cost can still run between $60 and $200 per foot, or an average of $3,500 to $20,00 per household. CostHelper readers paid an average of $232 per foot.

The bottom line – a water or sewer line replacement isn’t as simple as one phone call to a plumber on your own. There’s research, quotes, phone calls and hassles, which could be eliminated with warranty repair services.

 

 

Do I Have a Water Leak?

iStock_000006953014XSmall WP PlumbingWater leaks are often difficult to detect. Even a small crack could leak thousands of gallons of water over time – potentially costing the homeowner thousands in repair costs and high water bills. With a little detective work a homeowner can determine if there is a problem and be prepared to inform the plumber about the issues. How can you detect a water leak?

Symptoms of a Leak

  • An inexplicable rumbling or gurgling sound (usually heard at night when it’s most quiet)
  • Water is bubbling up or pooling in your yard or in the street bordering your property
  • Poor or low water pressure
  • A commode that continues to run even though it hasn’t been used
  • Water bill has increased substantially and your household has not used more water than usual
  • Starting to see cracks in your home’s foundation or concrete / pavement in the basement floor
  • A foul odor near water drains or sewer line
  • Walls or floors feel moist or are discolored where no water has spilled

Is the Leak Inside or Outside my Home?

The best way to determine if the leak is inside or outside your home is through the water meter, which the public utility reads every month to prepare your water bill. Most water meters in single-family dwellings are located in the front yard. If you lift the meter face, you will find a dial, much like a car’s odometer. The numbers on the dial provide the water reading, which is measured in units of “thousands of gallons.”

Before checking the meter, turn off all water-consuming appliances inside and outside. Wait a few minutes and if the numbers on the meter dial are turning, water is flowing. Next, find the turn-on valve usually attached to the spigot in the front yard. Turn the valve counterclockwise. If the numbers on the dial continue moving, there is probably a leak in the front yard between the house and meter. If you have a Service Line Warranties of America water line warranty and believe the leak to be in the yard, please call us to report the leak.

Ignoring a leak could result in a breeding ground for mold, which can have an impact on your family’s health. An undetected leak could cause property damage and will increase your water bill costs. A slow drip leak can increase water usage by as much as 5,000 extra gallons a month and a steady, slow stream by as much as 21,000.

How Service Line Warranties of America works with your local government

handshakeHow Utility Service Partners, Service Line Warranties’ parent company, works with your local government. 

Service Line Warranties of America (SLWA) operates under a unique public-private partnership model to give homeowners peace of mind that our program is 100% legitimate and a good value for their money.

With the support of your local leaders, we work directly with the public works department to design a custom set of Terms & Conditions that will meet your line responsibility needs.

Our custom Terms and Conditions help ensure that we offer maximum coverage and low denial rates. Through our partnership, SLWA is able to offer consumers affordable prices for coverage, which would not be possible without the partnership. Additionally, SLWA respects your community, which is why we choose not to engage in mass mailing directly to consumers.

Who’s that contractor?

iStock_000001754147MediumAt Service Line Warranties of America, we only partner with the best – so when a plumber shows up at your door, have faith that we have thoroughly vetted each and every company before welcoming them to our network.

Plumbers are thoroughly screened through an intensive process that ensures they have all the necessary licenses and insurances required to do business in your local community. Their company leaders are also interviewed by our diligent Contractor Services team to be sure they are capable of completing any type of job efficiently and correctly with the necessary tools – the first time!

Service Line Warranties of America also partners with PlusOne Solutions to perform background checks on all contractors prior to acceptance into the network. Once accepted, their performance is thoroughly tracked and frequently reviewed. If a customer has a complaint about a contractor, our service team will follow up quickly to ensure we address the situation or remove the contractor from our network.

At Service Line Warranties of America, we stand behind our brand and our plumbers are the face of that brand. We only partner with the best to give you peace of mind and faith that the contractor knocking on your door will give you the first-class customer service you deserve every time.