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So many loopholes
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I looked into this by researching the web and asking neighbors and others who have had this insurance. Almost all who have actually needed plumbing work complained of so many loopholes for this insurance company to get out of coverage, not to mention some waited for months, even years for payment they had to chase down persistently the entire time. Further still, most complain of the complete lack of availability to even speak with a live person once you have a claim. If you get lucky enough to get a dialogue through phone, but usually email, they appear to be more interested in denying your claim through loophole excuses that state they are not responsible for your specific type of issue(s)/ damage etc. than actually working to cover the work that BTW, YOU have to pay out of pocket First, NO EXCEPTIONS.
Personally, I'd look for an Insurance Co. maybe through your HO policy that will include this sort of coverage, b/c most reputable Co. work directly with & through your Ins Co. & you never even have to DEAL with the payment part. Best of luck to all who hopefully read this first before getting scammed. If you have a positive review, please leave a Serious message with details of what rep you spoke with, and their contact info, that way we can see just how reputable your review is, and not just the owner or a friend trying to counter these facts and truths I painstakingly researched. Have a great year everyone 2019
Here are my continued findings & research::::
Home Emergency Insurance Solutions says it isn't responsible for any "acts of God," which in theory means it isn't responsible for anything, depending on your religious beliefs.
It also specifies that it won't cover damage resulting from "thawing of frozen pipes," one of the most common causes of water-line damage for areas prone to chilly temps (and even sometimes in sunny Southern California, as we've seen in recent days).
As if that wasn't enough, the policy excludes coverage for any "emergency breakdown … arising from disconnection to the main water supply, due to preexisting conditions, caused by faulty construction/improper maintenance, or from a controllable leak," which pretty much embraces just about anything that could mess up your water line.
Moreover, it doesn't cover any costs to correct or upgrade water lines to comply with changes to local rules and — my favorite clause — "repair of covered parts, equipment and/or systems due to reduction in performance caused by normal wear and tear."
In other words, you'll pay about $60 a year in premiums yet still possibly be on the hook for any emergency repairs as well as any problems caused by routine water use. I don't know about you, but I see that as leaving homeowners with the bill for just about everything.
"This is one of those cases where reading the fine print shows that there may not be much coverage at all," said Amy Bach, executive director of United Policyholders, a watchdog organization.
Myles Meehan, senior vice president of Miami's HomeServe USA, parent company of Home Emergency Insurance Solutions, said water-line insurance can provide peace of mind to homeowners.
But when I asked repeatedly what sort of typical repairs the company covers that don't potentially fall under the various exclusions, he couldn't name one.
Meehan said only that "we cover breaks or leaks in water lines."
Check with your insurance provider. Most homeowner policies will cover structural damage resulting from leaks or pipe troubles, but they won't cover the actual line running from the utility pipe into the home.
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