- Jurisdiction
- Nevada
Hello,
My wife and I are newlyweds who moved to Las Vegas from California a couple weeks ago. We purchased our first home together to start a new life in Las Vegas and begin our family.
On 6/29 we closed escrow and along with our home we purchased a home warranty through National Home Warranty (who are located in Las Vegas)to cover our appliances that came with the home. I was issued a policy number and the policy became effective close of escrow (the policy was originally ordered on 6/21).
We moved in on 6/30 and found that the refrigerator was not working. Of course I called NHW to file a claim, they took my claim, issued me a claim number, began processing and sent a service technician to my home to investigate the fridge. On 7/3 the technician arrived, determined the fridge was a total loss and recommended to NHW that it needed to be replaced.
Once NHW found out that the refrigerator needed to be replaced they claimed I never had a policy and would not cover it. They claim that even though payment was made to them via escrow on 6/29 and even though they took and processed my claim that they didn't actually receive payment until 7/5 and therefore I don't have a claim. I even received an email, which I still have, from their insurance agent stating that if the repair had been inexpensive they would have covered it but since it's a total loss they are choosing to not honor my policy. How is that ethical or legal? By taking and servicing my claim aren't they making the policy binding or implying coverage?
If I didn't have a policy why would they have issued me a policy number, taken my claim, issued a claim number, and paid a technician to come to my home investigate what repairs were needed? It's only when they realized when they were going to have to replace the fridge that they decided to not cover it. I looked into their reviews and it seems they have a long history of unethical behavior.
Please help! This is fraud and insurance bad faith.
My wife and I are newlyweds who moved to Las Vegas from California a couple weeks ago. We purchased our first home together to start a new life in Las Vegas and begin our family.
On 6/29 we closed escrow and along with our home we purchased a home warranty through National Home Warranty (who are located in Las Vegas)to cover our appliances that came with the home. I was issued a policy number and the policy became effective close of escrow (the policy was originally ordered on 6/21).
We moved in on 6/30 and found that the refrigerator was not working. Of course I called NHW to file a claim, they took my claim, issued me a claim number, began processing and sent a service technician to my home to investigate the fridge. On 7/3 the technician arrived, determined the fridge was a total loss and recommended to NHW that it needed to be replaced.
Once NHW found out that the refrigerator needed to be replaced they claimed I never had a policy and would not cover it. They claim that even though payment was made to them via escrow on 6/29 and even though they took and processed my claim that they didn't actually receive payment until 7/5 and therefore I don't have a claim. I even received an email, which I still have, from their insurance agent stating that if the repair had been inexpensive they would have covered it but since it's a total loss they are choosing to not honor my policy. How is that ethical or legal? By taking and servicing my claim aren't they making the policy binding or implying coverage?
If I didn't have a policy why would they have issued me a policy number, taken my claim, issued a claim number, and paid a technician to come to my home investigate what repairs were needed? It's only when they realized when they were going to have to replace the fridge that they decided to not cover it. I looked into their reviews and it seems they have a long history of unethical behavior.
Please help! This is fraud and insurance bad faith.