Richard J Kinch wrote:
Oscar_Lives writes:


Most home warranties include a provision where the home owner signs
away his right to sue in a court of law.


Judges do not enforce contract terms which put judges out of work.

The law is a third party to every contract.

You couldn't be more wrong if you tried. Arbitration is accepted in
virtually every jurisdiction. Some courts even require it when the
contract doesn't. I haven't seen a case where one party has the right
to choose the arbitrator; most commonly, each party chooses one, and the
nominees then select a third. Even though you have to pay, usually,
half the cost of the arbitration, that is usually cheaper and quicker
than going through a court.

To the OP, insurance companies typically offer a lot of bull about why
coverage is denied, then make a low-ball offer, high enough that it
seems attractive to you, but low enough that they still make money. Its
probable that if you go back with a list of items that you say are
covered, with a total cost of, say $2000, then offer to settle for
$1200, they will take your offer. Better yet, get a list of prices for
the items you believe are covered (and don't feel that you are entitled
to just the most basic furnace; check the contract for that; if you had
a high end furnace, argue that they should replace it with the same
level) and find an attorney with teeth and have him do the negotiating
for you. You can probably pay the attorney an hourly rate, which is
even higher than a plumber, but an attorney skilled in negotiation will
get you a much better deal than most people can get for themselves.

I would never rely on the insurance company to provide services; they
get the cheapest labor available, and you are stuck with that quality of
work.
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