TERMS & CONDITIONS

Please read this Agreement carefully, as it describes the protection You will receive in return for Your payment of the Agreement Purchase Price.

  1. DEFINITIONS:
  • We, Us, Our and Obligor – the company obligated under this Agreement is 4warranty Corporation 10151 Deerwood Park Blvd., Bldg. 100, Suite 500, Jacksonville, Florida 32256 (800-867-2216), in all states except in Florida, Oklahoma and Virginia where it is LYNDON SOUTHERN INSURANCE COMPANY, 10151 Deerwood Park Blvd., Bldg. 100, Suite 500, Jacksonville, FL 32256 (800) 888-2738 Florida License No. 03698 and Oklahoma License No. 44200929, in Wisconsin where it is The Service Doc Inc., 10151 Deerwood Park Blvd., Bldg. 100, Suite 500, Jacksonville, FL 32256 (800) 888-2738. This Agreement is not offered in Rhode Island.
  • Administrator – LOTSolutions, Inc., 10151 Deerwood Park Blvd., Bldg. 100, Suite 500, Jacksonville, Florida 32256 (844-296-8491) – the company providing administration of this Agreement.
  • Breakdown – a covered item becomes inoperable and unable to perform its designed function.
  • Seller – the entity selling You this Agreement.
  • Service Fee – the fee that is due by You for each service call, or actual cost of service, whichever is less, paid to the authorized service professional at the time of service whether or not the failure is determined covered by this Agreement.
  • Service Provider – the entity responsible for providing service under this Agreement.
  • You, Your and the Customer – the original purchaser of the Agreement and contracting for services covered by this Agreement and any authorized transferee/assignee of the original purchaser.
  1. COVERAGE PERIOD:

Your initial payment includes a thirty (30) day wait period before You are eligible for coverage under this Agreement. Coverage begins on the Agreement Effective Date as indicated on the Declaration Page which is thirty (30) days after the Agreement Purchase Date and continues for the policy term indicated on the Declaration Page. All monthly terms will begin on the Agreement Effective Date. After the Agreement Effective Date, coverage will continue as long as all payments are made as scheduled.

Coverage may be selected for monthly or annual terms and paid for accordingly.  All Agreements automatically renew unless cancelled by You or Us or non-renewed by Us.

WHEN YOUR PLAN BEGINS AND ENDS

  • One-Time Pay Plans: If You paid for Your Agreement in one payment, coverage under Your Agreement will end XX months/years from the Agreement Effective Date of Your coverage, unless it is renewed or cancelled or Our obligations under the Agreement become fulfilled in their entirety, in accordance with the Limit of Liability.
  • Continuous Monthly Plans: If You select a plan that automatically renews on a month-to-month basis, coverage under Your Agreement will continue and You authorize Administrator/Seller to charge Your credit card for the amount specified on Your payment receipt each month until Your Agreement is cancelled, We have fulfilled Our obligations under this Agreement in accordance with the Limit of Liability, or We discontinue the monthly renewals.  Your account must be current to receive service.

During the coverage period, We will arrange for an authorized Service Provider to service, repair or replace covered items, due to a Breakdown. This Agreement provides coverage only for those items specifically listed as being covered on the Declaration Page and excludes all other items.  Coverage is subject to limitations and conditions specified in this Agreement.

Coverage may be selected for monthly or annual terms and paid for accordingly. All plans automatically renew unless cancelled by You or Non-renewed by Us.

III.       WHAT YOUR AGREEMENT COVERS:

The provisions of this Agreement provide for the service, repair or replacement of the covered parts and labor due to a Breakdown.

The appliance(s) or system(s) must be:

1)    Located within the confines of the main foundation of the home or garage (with exception to the exterior air conditioner, pool or spa equipment);

2)    In good working order on the Agreement Effective Date;

3)    Properly maintained;

4)     For replacement, installed during the coverage period; and

5)    Domestic grade (meaning those items manufactured and marketed solely for use in a residential single-family dwelling). This Agreement does not cover costs for maintenance.

This Agreement only covers residential properties including single family homes, townhomes, condominiums, multi – family properties (duplex, triplex, etc.), or mobile homes attached to a permanent foundation. Properties must be less than 12,000 square feet. Properties listed on a historical register, and any property used in whole or in part for business purposes such as, but not limited to, day care, group home, rest home, church, school or sorority/fraternity are not covered. Common areas or items shared by non-purchasers of this Agreement will not be covered. Coverage is for occupied residences only.

  1. IV. Coverages available:

Central Air Conditioning, Central Home Heating, Interior Electrical System, Boiler, Plumbing System (Does Not Include Fixtures), Water Heater, Central Vacuum System, Doorbell System, Heat Pump, Septic System, Trash Compactor, Programmable Thermostat, Well Pump, Range/Oven/Cooktop, Kitchen Exhaust Fans, Refrigerator,  Ice Maker (In Refrigerator or Stand Alone), Dishwasher, Built-In Microwave, Garbage Disposal, Garage Door Opener, Ductwork, Ceiling Fans, Clothes Washing Machine and Clothes Dryer, Swimming Pool, Spa, Additional Air Conditioning Unit, Ice Maker (In Refrigerator or Stand Alone), Free-Standing Freezer, Wine Cooler

  1.      TO OBTAIN SERVICE:
  2. You are required to receive prior approval from Us before service work can be performed under this Agreement. You should notify Us as soon as the problem is discovered.  We will accept service calls from 8:00 AM to 5:00 PM EST Monday through Friday at 844-296-8491, or You may file Your claim online 24 hrs a day/7 days a week at www.4repairs.net.  If there is an after-hours emergency You must send an email to urgent@fortegra.com outlining the details of the issue. Notice of any malfunction must be given to Us prior to expiration of this Agreement.
  3. Upon request for service, We will contact an authorized Service Provider within two (2) days during normal business hours and four (4) days on weekends and holidays. The authorized Service Provider will contact You to schedule a mutually convenient appointment during normal business hours. We will determine what repairs constitute an emergency and will make reasonable efforts to expedite emergency service. If You should request Us to perform non-emergency service outside of normal business hours, You will be responsible for payment of additional fees and/or overtime charges.
  4. We have the sole and absolute right to select the Service Provider to perform the service; and We will not reimburse for services performed without prior approval.
  5. You will pay up to a $75 Service Fee per claim or the actual repair cost, whichever is less. The Service Fee is for each visit by Our approved Service Provider, and is payable to Our approved Service Provider at the time of each visit. The Service Fee applies to each call dispatched and scheduled, including but not limited to those calls wherein coverage is included, excluded, or denied. The Service Fee also applies in the event You fail to be present at a scheduled time, or in the event You cancel a service call at the time a Service Provider is in route to Your home or at Your home. Failure to pay the Service Fee will result in suspension or cancellation of this Agreement until such time as the proper Service Fee is paid. At that time, coverage may be reinstated; however, the Agreement term will not be extended.
  6. If service work performed under this Agreement should fail, then We will make the necessary repairs without an additional Service Fee for a period of ninety (90) days on parts and thirty (30) days on labor.

APPLIANCE AND SYSTEM COMPONENTS:

Major brands of equipment will be covered under this Agreement subject to availability of repair parts. Only those items specifically named as covered are eligible for coverage. Those items listed as Not Covered are examples and not an all-inclusive list. This listing does not in any way limit Our right to decline coverage for items not specifically mentioned.

  1. COOLING/HEATING SYSTEMS: We will cover up to $1,000 per system per 12 month period listed below. The $1,000 limit includes any costs for access, diagnosis, repair/replacement and installation.
  2. Central Air Conditioning (includes Heat Pumps): (Electric only) We will cover up to $1,000. Coverage is available on residential cooling systems not exceeding a five (5) ton capacity. COVERED: condenser, defrost heating element, standard thermostat, fuse, relay, transformer, motors, compressor, pulleys, timer, fan control, bearings, fluid pump, switches, electrodes, semi-conductors, rectifiers, and electronic circuits. NOT COVERED: Gas air conditioning systems, wifi thermostats, baseboard casings, coils, line driers, portable units, registers, grills, clocks, timers, flues and vents, condenser casings, portable electric air cleaners, filters, humidifiers, service valves, driers, refrigerant, refrigerant line sets, refrigerant reclamation, belts, wiring, wiring harness, circuit breakers, drains,  primary  and  secondary drain  pans,  drain  line  stoppages,  roof  jacks  or  stands,  chilled  water systems, unit accessories, improperly sized cooling systems, wall units not ducted when designed to be ducted by the original manufacturer.
  3. Central Home Heating: (Gas or Electric) We will cover up to $1,000. COVERED: gas valve, main burner, limit control, pilot burner, thermocouple, flame  spreader,  regulator,  standard  thermostat,  manifold,  fuse,  transformer,  relay, igniter, sensor, motor, power pack, bearings, pulleys, fan control, pressure control, pressure gauge, low water cut-off, sight glass, coupler, power pile, fluid pump, blower, and heat coil. Only natural gas/propane space heaters used for heating customer’s entire residence are covered as central heat. NOT COVERED: Solar heating systems, fireplaces, chimneys, heat lamps, fuel storage tanks, liners, registers, grills, timers, flues and vents, filters, improperly sized heating systems, expansion tanks, free-standing or portable heat units. All components and parts relating to geothermal, water source heat pumps, and pellet stoves.
  4. Additional Air Conditioning Unit (includes Heat Pumps): We will cover up to $500 per appliance or system per 12 month period listed below. The $500 limit includes any costs for access, diagnosis, repair/replacement and installation.

CONDITION: Coverage provided by these options is in addition to the primary air conditioning unit coverage offered under this Agreement. The underlining coverage for a primary air conditioning unit must also be purchased to receive coverage.

COVERED:  Refrigerant and coils.  If the Central Air Conditioning unit must be replaced the additional option limit only covers the coil and not any other components. NOT COVERED: All other components of the Central Air Conditioning (including Heat Pumps).

NOTE: For cooling or heating systems over ten (10) years old: If the repair is over $600 or parts are not available to repair the equipment, a $600 replacement allowance will be paid to You. This allowance will increase by $50 for each full year You have an active Agreement up to a maximum of $1,000. Proof of purchase of a new heating or cooling system is required to be provided to the Administrator in the form of a purchase receipt within sixty (60) days.

  1. APPLIANCES AND OTHER SYSTEMS: We will cover up to $500 per appliance or system per 12 month period listed below. The $500 limit includes any costs for access, diagnosis, repair/replacement and installation.
  2. A. Water Heater: (Gas or Electric) We will cover up to $500. COVERED:  gas   valve, main burner, limit control, pilot burner, thermocouple, flame spreader, regulator, standard thermostat, manifold, relief valve, vent damper, and electrical heating elemen NOT COVERED: Solar water heaters, oil-fired water heaters, secondary holding or storage tanks, anode rods, noise, thermal expansion tanks, fuel storage tank, heat recovery units, flues, piping, insulation, and T&P discharge lines.
  3. B. Range/Oven/Cooktop:  We will cover up to $500. COVERED:   surface gas   valves,   main   burner,   pilot   burner,   oven safety valves, burner tubes, spark modules, electric infinite switches, thermocouple,   manifold transformer, relay, regulator, standard thermostat, igniter, fuse, sensor, power pack, seals, surface unit controls, programmed cooking controls, heating elements, internal wirin NOT COVERED: Clocks, meat probe assemblies, rotisseries, racks, handles, knobs, sensi- temp burners, orifices, burner caps, burners, cosmetic issues such as scratches, dents, chipping or breakage to an oven door or glass/ceramic cooktop.
  4. C. BuiltIn Microwave: We will cover up to $500. COVERED: door interlock electrical switch, touch pad/controller, diode, control board, transformer/inverter, stirrer motor, magnetron fan motor, related electrical pa NOT COVERED: Countertop units, door glass, clocks, filters, door handle, rotisseries, interior linings, or cosmetic issues such as scratches, dents or chipping.
  5. Refrigerator: We will cover up to $500. COVERED: condenser, defrost   heating   element, thermostat, fuse, relay, transformer, motor, compressor, timer, fan control, bearings, pump motor, switches, electrodes, semi-conductors, rectifiers, valves and electronics circuits. NOT COVERED: Chilled water dispensing and respective equipment, defrost drain tubes, gaskets, seals, doors, ice makers and controls, filters, door handle, food spoilage, media centers, or cosmetic issues such as scratches, dents or chipping.
  6. E. Ice Maker (In Refrigerator or Stand Alone): We will cover up to $500. COVERED: mold and heater assembly, refill bearing, ice stripper, heating element, microswitch, ejector, wiring harness, ejector motor, mounting module, ejector gear, and lever arm. NOT COVERED: Springs, hinges, liners, baskets, racks, rollers, handles, or shelv
  7. Dishwasher: We will cover up to $500. COVERED: heating element, pump, thermostat, thermal fuse, washer, drain valve, motor assembly, door switch interlock, timer, float switch, inter valve, internal hoses, control panel and related electrical parts. NOT COVERED: Baskets, filter, hard water deposits, iron deposits, rollers, racks, or cosmetic issues such as scratches, dents or chipping.
  8. Kitchen Exhaust Fan: We will cover up to $500. COVERED: all internal related electrical parts, including belts, fan motors, motors, switches, relays and control boards. NOT COVERED: Rooftop exhaust units, filters, or cosmetic issues such as scratches, dents or chipping.
  9. Interior Electrical System: We will cover up to $500. COVERED: all interior AC wiring including receptacles, switches, fuses, single and two pole breakers. NOT COVERED: Fixtures; attic or whole house exhaust fans; door bells; intercom systems; alarm systems; central vacuum systems; audio/video/computer wiring or cable; direct current (DC) wiring and systems; exterior wiring and components; telephone wiring; inadequate wiring capacity; power failure/shortage or surge; low voltage systems (including wiring and relays); load control dev ices; electrical generation systems; solar electrical systems; timers; touch pad assemblies; remote controls or failure caused by circuit overload.
  10. I. Interior Plumbing System: We will cover up to $500. COVERED: all interior plumbing including angle stops, risers, waste vents, p-traps assemblies, and interior hose bibs. NOT COVERED: Fixtures or stoppages, all piping and plumbing outside of the perimeter of the foundation or below the foundation of the home, bath tubs, gas lines, caulking or grouting, toilets and toilet parts, holding and pressure tanks, jet pumps, laundry tubs, lawn sprinkler systems, pressure regulating devices, conditions of excessive or insufficient water pressure, exterior hose bibs, or water supply lines to the refrigerator. We are not responsible for any repair work which must be executed to access interior lines or pip
  11. Central Vacuum System: We will cover up to $500. COVERED: All mechanical system components and parts. NOT COVERED: ductwork – hoses – blockages – accessories.
  12. Doorbell System: We will cover up to $500. COVERED: All components and parts, except as noted as Not Covered. NOT COVERED: Any audio/video    surveillance systems, intercom systems, or computer/monitors working in conjunction with the doorbell system.
  13. Septic System: We will cover up to $500. COVERED: sewage ejector pump, jet pump, aerobic pump, septic tank and line from house. NOT COVERED: leach lines, field lines, lateral lines, tile fields and leach beds, insufficient capacity, clean out, pumping.
  14. Trash Compactor: We will cover up to $500. COVERED: Removable buckets, lock and key assemblies. NOT COVERED: All other.
  15. Programmable Thermostat: We will cover up to $500. COVERED: Electronic or programmable thermostat that works in conjunction with a covered heating system or air conditioning/cooler or built-in wall unit. NOT COVERED: all other.
  16. Swimming Pool and/or Spa: We will cover up to $500. COVERED: coverage applies to above ground, accessible working components and parts of the heating, pumping and filtration system as follows: heater, pump, motor, filter timer , blower, timer, valves, limited to back flush, actuator, check, and 2 and 3-way valves, relays and switches ,pool sweep motor and pump, above ground plumbing pipes and wiring, except:
    NOT COVERED: portable or above ground pools/spas, control panels and electronic boards, lights, liners, filter, gaskets, maintenance, structural defects, solar equipment, jets, ornamental fountains, waterfalls and their pumping systems, pool cover and related equipment, fill line and fill valve, built-in or detachable cleaning equipment such as – but not limited to – pool sweeps and pop up heads, turbo valves, skimmers, chlorinators, and ionizers, fuel storage tanks, disposable filtration mediums, cracked or corroded casings, grids, cartridges, heat pump, salt water systems.
  17. Well Pump: We will cover up to $500. COVERED: all components and parts of well pump utilized for main dwelling only, except: NOT COVERED: holding or storage tanks, digging, locating pump, pump retrieval, redrilling of wells, well casings, pressure tanks, pressure switches and gauges, check valve, relief valve, drop pipe, piping or electrical lines leading to or connecting pressure tank and main dwelling including wiring from control box to the pump, booster pumps, well pump and well pump components for geothermal and/or water source heat pumps.
  18. Clothes Washer: We will cover up to $500. COVERED: water level switch, water inlet valve, water temperature switch, drive basket, brakes, clutch assembly, timer, sequencer, lid switch and actuator, touch pad, control board, power supply, motor, pump coupling, drive belt, and related electrical parts. NOT COVERED: removable mini-tubs or buckets, agitator, wigwag, boot seal, soap dispensers, filter screens, knobs and dials, damage to clothing, water flow restrictions due to mineral deposits, drawers, or cosmetic issues.
  19. R. Clothes Dryer: We will cover up to $500. COVERED: gas valve, main burner, pilot burner, thermocouple, manifold, transformer, relay, regulator, standard thermostat, igniter, fuse, sensor, power pack, drive belt, surface limit control, motor, bearings, pulleys, controls, timer and electrical heating elemen NOT COVERED: venting, knobs and dials, seals, damage to clothing, lint screens, dryer cabinet fragrance/ humidity center or cosmetic issues.
  20. Garage Door Opener: We will cover up to $500. COVERED: all mechanical & electrical components including chain, belts, door arm, trolley, control board, motor, gear assembly and sensors. NOT COVERED: cables, springs, handles, wheels, wheel track, track assembly, doors, hinges, remote transmitters, frequency interference, lights, or exterior mounted key pads.
  21. Ductwork: We will cover up to $500. COVERED: accessible ductwork from cooling and/or heating unit to point of attachment to registers or grills. NOT COVERED: Insulation; asbestos covered ductwork; registers; grills; dampers; improperly sized ductwork; diagnostic testing of, or locating leaks to ductwork, including as required by any law, regulation, ordinance or code or when required due to the installation or replacement of system equipment; ductwork outside the perimeter of the home or crawl space; collapsed or crushed ductwork; ductwork damaged by moisture or rodents/animals/insects. We will only repair unobstructed and accessible ductwork. Obstructions include, without limitation, walls, floors, ceilings, built-in appliances, systems, and cabinets.
  22. Ceiling Fans: We will cover up to $500. COVERED: ceiling fan motors and controls (replaced with builders standard).

NOT COVERED: Remote transmitter units, light fixtures on ceiling fans, removable attachments and wall fans.

  1. Garbage Disposal: We will cover up to $500. COVERED: all mechanical and electrical components and parts. NOT COVERED: Problems and/or jams caused by bones and foreign objects other than food.
  2. Freezer (Free-Standing): We will cover up to $500. COVERED:  all parts and components that affect the operation of the unit. NOT COVERED: Ice-makers, crushers, dispensers and related equipment; internal shell; racks; shelves; glass and/or glass displays; lights; knobs and caps; dials; doors, door handles, door hinges, door seals and gaskets; condensation pans; clogged drains and/or clogged lines; grates; food spoilage; refrigerant and/or disposal and recapture of refrigerant.
  3. Wine cooler: We will cover up to $500. COVERED:  condenser, defrost   heating   element, thermostat, fuse, relay,

transformer, motor, compressor, timer, fan control, bearings, pump motor, switches, electrodes, semi-conductors, rectifiers, valves and electronics circuits. NOT COVERED: kitchen refrigerator, insulation, racks, shelves, lights, beverage dispensers and respective equipment, defrost drain tubes, gaskets, seals, doors, ice makers and controls, filters, door handle, food/beverage spoilage and refrigerant capture, reclaim and disposal, media centers, or cosmetic issues such as scratches, dents or chipping.

NOTE: For appliances and systems over ten (10) years old: If the repair is over $300 or parts are not available to repair the equipment, a $300 replacement allowance will be paid to You. This allowance will increase by $50 for each full year You have an active Agreement up to a maximum of $500. Proof of purchase of a new appliance is required to be provided to the Administrator in the form of a purchase receipt within sixty (60) days.

VII.    LIMIT OF LIABILITY AND CONDITIONS:

  1. Our obligation to pay for the repair or replacement of covered appliances, systems or items will not exceed $5,000 per 12 month period. We will not pay more than the current market value for any appliance, system or item.
  2. We have the sole right to determine whether a covered item needs to be repaired or replaced. If We decide to replace the covered appliance, item, system or electronic equipment, We are responsible for replacement equipment of similar features, capacity and efficiency, but not for matching dimensions, brand, or color. We are not responsible for like-for-like replacement of appliances if the appliance contains any features that do not contribute to the appliance’s primary function including, without limitation, TV’s or Radios in Refrigerators.
  3. We reserve the right to offer cash settlement in limited circumstances, including but not limited to, unavailability of parts, obsolescence, or similar circumstances when repair or replacement is not feasible. Cash settlements will be based on what We would ordinarily expect to pay for the same part or labor, which may be less than actual retail cost.
  4. All equipment covered by this Agreement must be in good working condition as of the Agreement Effective Date and be reasonably clean and accessible at the time of service. This Agreement does not cover pre-existing conditions, defects or deficiencies as determined by an in home inspection.
  5. We reserve the right to obtain a second opinion at Our expense.
  6. We reserve the right to use qualified Service Providers, select parts to be used, and to restrict certain makes of equipment used to fulfill all or any part of Our obligation under the terms of this Agreement.
  7. We reserve the right to rebuild a part or component, or replace with a rebuilt part or component. The use of non-original manufacturer parts is permitted under this Agreement.
  8. We are not a Service Provider and are not Ourselves undertaking to repair or replace any such systems or components.
  9. In the event that there is any other collectable insurance, warranty, or guaranty coverage available to You covering a loss also covered by this Agreement, this Agreement will pay in excess of and not contribute with other insurance, warranty or guaranty. We will not pay for parts covered under a manufacturer’s warranty.
  10. This Agreement does not cover disconnection of appliance(s), nor does it cover the cost of hauling away or disposing of the covered product. This Agreement does not cover the cost of opening or closing walls, floors, or ceilings.
  11. EXCLUSIONS: We are NOT responsible for:

A. The performance of routine maintenance including the cleaning of coils, clearing drain lines, changing filters or adding/draining refrigerant for appliances or HVAC uni

B. Breakdowns, failures or stoppages due to chemical or sedimentary build up or failure to clean or maintain as specified by the equipment manufacturer.

C. Missing parts or structural changes.

D. Any appliance or system deemed or classified by the manufacturer as commercial.

E. Upgrades, nor for the cost of construction, carpentry, or other modifications made necessary by existing equipment or installing different equipmen

F. The restoration of wall coverings, floor coverings, tiles, countertops, paint, cabinets, or the like, or the repair of any other cosmetic defects.

G. Consequential, secondary, indirect, or direct damages, injury or illness including, but not limited to, loss of income, utility bills, additional living expenses, personal and/or property damage caused by delays, non- availability of parts, failure to service, labor difficulties and other conditions beyond Our control.

H. The lack of capacity, adequacy, efficiency, design or improper installation of any system, appliance or electronic equipmen

I. Any material, parts or labor required as a result of: abuse, misuse, vandalism, freezing, fire, wind, water, lightening, ice, snow, explosion, mud, earthquake, pet damage, pest damage, acts of God, power or water fluctuations, and flooding.

J. Any material, parts or labor required for: damage caused by equipment not covered; damage to exterior surfaces; repairs covered by manufacturer’s recall, warranty, or other service agreement; This Agreement does not cover accessories such as knobs, buttons, handles, shelves, drawers, racks, inner door liners, etc. nor maintenance items, such as filter

K. Failures due to rust or corrosion within the first sixty (60) days from the date of initial Agreement Purchase Date.

L. Any service or repair associated with hazardous material treatment, removal, or disposal.

M. Electronic or computerized home management systems including, but not limited to, energy, lighting, security, appliances, entertainment, comfort or audio system

N. The diagnosis, repair, removal or remediation of mold, mildew, bio -organic growth, rot or fungus, or any damages resulting from or related to mold, mildew rot or fungus, even if caused by or related to the malfunction, repair or replacement of a covered item.

O. Any costs or fees associated with use of cranes needed to install or remove any equipment located on the roof. 

  1. FEES and CHARGES:

A. If the Agreement Purchase Price is not collected on scheduled date (i.e. every 30 or 365 days) service under this Agreement may be denied until payment is received.  Accounts delinquent more than ten (10) days may be cancelled as provided in the Section VIII – CANCELLATION OF THE AGREEMENT.

B. Upon renewal, the Agreement Purchase Price and any included limits, fees or charges may be adjusted.

Notice of any price adjustment will be given to You in writing at least thirty (30) days prior to implementation. You may cancel this Agreement by giving written notice prior to the Agreement Effective Date of an increase.

  1. TRANSFERABILITY: This Agreement is transferable to a new owner of the existing address for a one-time $25transfer fee. This Agreement is non-transferable to a new address and is only valid for the original residence.
  2. LAWS, CODES and REGULATIONS: This Agreement does not cover correcting or upgrading any parts, system, appliance, or electronic equipment in order to comply with any federal, state or local laws, regulations, or ordinances or utility regulations, or to meet changes in efficiency requirements (including but not limited to, heating system efficiency requirements), or to meet current building or zoning codes requirements, or to correct for code violations. This includes any corrections or upgrades at the time of repair, which are required by law, regulation or ordinance. We are not responsible for service when permits cannot be obtained, nor will We pay any costs relating to permits.

Dispute Resolution/Arbitration Agreement and Class Action Waiver:  PLEASE READ THIS DISPUTE RESOLUTION/ARBITRATION AGREEMENT AND CLASS ACTION WAIVER, INCLUDING THE OPT-OUT PROVISION, CAREFULLY TO UNDERSTAND YOUR RIGHTS. IT REQUIRES THAT CLAIMS (AS DEFINED BELOW) BE RESOLVED SOLELY THROUGH BINDING ARBITRATION ON AN INDIVIDUAL BASIS, RATHER THAN BY A JURY OR IN A CLASS ACTION.

Arbitration is a method of resolving any Claim without filing a lawsuit. In this Arbitration Agreement and Class Action Waiver (collectively including all of this section of this Agreement), You, We, and the Administrator (the “Parties”) are agreeing to submit any and all Claims to binding arbitration on an individual basis for resolution. This Arbitration Agreement and Class Action Waiver sets forth the terms and conditions of our agreement to binding arbitration. The Parties agree that any and all claims, disputes and controversies arising under or related in any way to this Agreement, including but not limited to claims related to the underlying transaction giving rise to this Agreement, claims related to the sale or fulfillment of this Agreement, and claims against any third-party (including the Selling Retailer and/or any of its owners, shareholders, members, affiliates, subsidiaries, divisions, directors, officers, employees, representatives, successors, and assigns) arising under or related in any way to this Agreement or the underlying transaction or the sale or fulfillment of this Agreement (collectively, “Claims”), shall be resolved by final and binding arbitration.  “Claims” shall be given the broadest meaning possible and includes, without limitation, Claims arising under agreement, tort, statute, regulation, rule, ordinance or other rule of law or equity, and Claims against any of Our or the Administrator’s owners, shareholders, members, affiliates, subsidiaries, divisions, directors, officers, employees, representatives, successors, or assigns. “Claims” does not include a claim for public injunctive relief brought under any California statute enacted for a public reason, provided that You are a California resident or purchased Your Agreement in California.  In arbitration, Claims are resolved by an arbitrator and not by a judge or jury.  THE PARTIES, INCLUDING YOU, WAIVE ANY RIGHT TO HAVE CLAIMS DECIDED BY A JUDGE OR JURY.  In addition, except as expressly stated in the Class Action Waiver or otherwise expressly stated herein, the arbitrator shall have exclusive authority to decide all issues related to the enforcement, applicability, scope, validity, and interpretation of this Arbitration Agreement, including but not limited to any unconscionability challenge or any other challenge that the Arbitration Agreement is void, voidable or otherwise invalid. Notwithstanding this agreement to arbitrate, each of the Parties retains the right to seek remedies in small claims court to resolve any Claim, on an individual basis, within the jurisdiction of small claims court. You acknowledge Your understanding that all Parties hereunder are waiving their rights to go to court, except for small claims court, to resolve any Claims arising under or related in any way to this Agreement.

The Parties agree and acknowledge that the transaction evidenced by this Agreement affects interstate commerce. The Parties further agree that all issues relating to this Arbitration Agreement and Class Action Waiver, including its enforcement, scope, validity, interpretation, and implementation, will be determined pursuant to federal substantive law and the substantive and procedural provisions of the Federal Arbitration Act (“Act”), 9 U.S.C. §§ 1-16.  If federal substantive law holds that state law should apply to any issue relating to this Arbitration Agreement and Class Action Waiver, then the law of the state where You purchased the Agreement shall apply, without regards to conflicts of law.

CLASS ACTION WAIVER.  All Claims must be brought solely in an individual capacity, and not as a plaintiff or class member in any purported class action, collective action, representative action, mass action, private attorney general action or action on behalf of the general public, or similar proceeding (any such action is referred to herein as a “Class Action”).  NO CLAIM WILL BE ARBITRATED ON A CLASS ACTION BASIS.  The Parties, including You, expressly waive any right or ability to bring, assert, maintain, or participate as a class member in any Class Action in court, arbitration, or any other forum, and the right for anyone to do so on Your behalf.  The arbitrator may not consolidate more than one person or entity’s claims, and may not otherwise preside over any Class Action.  The arbitrator shall not have the authority to combine or aggregate multiple persons’ or entities’ Claims or discovery, to conduct a Class Action or to make an award to any person or entity not a party to the arbitration.  Notwithstanding anything to the contrary, the Parties agree that the enforcement, applicability, scope, validity, and/or interpretation of this Class Action Waiver shall be decided by a court of competent jurisdiction and not by an arbitrator.  If this Class Action Waiver is ruled unenforceable or is interpreted to not prevent a Class Action, then the Arbitration Agreement shall be null and void, and any Claims shall proceed in a court of law and not in arbitration.  The Parties agree that if an arbitrator renders a decision regarding the enforcement, applicability, scope, validity, and/or interpretation of this Class Action Waiver, or determines that a Class Action may proceed in arbitration, then:  (1)  the arbitrator has exceeded his powers, pursuant to §10(a)(4) of the FAA, by taking such action;  (2) either party may seek immediate review of that decision by a court of competent jurisdiction; and (3) a court of competent jurisdiction shall apply a “de novo” standard of review of that decision if such standard of review is allowed by the common law or statutes of that state.  The Parties, including You, agree that if for any reason a Claim proceeds to Court, rather than arbitration, (1) the Claim will proceed solely on an individual, non-class, non-representative basis, and (2) no Party may be a class representative or class member or otherwise participate in any Class Action. 

The arbitration shall be administered by the American Arbitration Association (“AAA”). The arbitration shall be conducted pursuant to the AAA Consumer Arbitration Rules (the “Code”). Information on AAA and a copy of the Code may be found at the following number and URL:  American Arbitration Association, (800) 778-7879, www.adr.org.  The arbitration will be governed by federal substantive law and the substantive and procedural provisions of the Federal Arbitration Act (“Act”), 9 U.S.C. §§ 1-16.  If federal substantive law holds that state law should apply to any issue relating to the arbitration, then the law of the state where You purchased the Agreement shall apply, without regards to conflicts of law.  The arbitration will occur before a single, neutral arbitrator selected in accordance with the Code in effect at the time the arbitration is commenced. If Your total damage claims (not including attorney’s fees) do not exceed $25,000, then all Claims shall be resolved by the Code’s Procedures for the Resolution of Disputes through Document Submission, except that a Party may ask for a hearing or the arbitrator may decide that a hearing is necessary.  If a hearing is held, You have a right to attend the arbitration hearing in person, and You may choose to have any arbitration hearing held in the county in which You live, the closest AAA location to Your residence, or via telephone. In the event that the specified arbitration forum is unavailable, the Parties may agree on a substitute arbitration forum.  If the Parties cannot agree, a court of competent jurisdiction may appoint a substitute arbitration forum.  For information about how to initiate arbitration with the AAA, the Parties may refer to the AAA Code and forms at www.adr.org or call (800) 778–7879. If You initiate arbitration with AAA, You must pay the AAA filing fee in an amount no greater than the fee You would have to pay if You filed a complaint in federal court.  We will pay any remaining Costs of arbitration required by the Code (“Arbitration Costs”); however, if the arbitrator determines that any of Your claims are frivolous, You shall bear all of the Arbitration Costs.  If We initiate arbitration against You, We will pay the AAA filing fee and the Arbitration Costs. Each party will pay his/her/its own attorney’s fees, as well as costs relating to proof and witnesses, regardless of who prevails, unless applicable law and/or the Code gives a party the right to recover any of those fees from the other party.  An arbitration award may not be set aside except upon the limited circumstances set forth in the Federal Arbitration Act. An award in arbitration will be enforceable under the Federal Arbitration Act by any court having jurisdiction. The time for commencing an arbitration asserting any Claim shall be determined by reference to the applicable statute(s) of limitations, including the applicable rules governing the commencement of the limitations period, and a Claim in arbitration is barred to the same extent it would be barred if it were asserted in court of law or equity rather than in arbitration.

If any portion of this Arbitration Agreement is deemed invalid or unenforceable, all the remaining portions of this Arbitration Agreement shall nevertheless remain valid and enforceable, provided, however, that if any portion of the Class Action Waiver is deemed invalid or unenforceable, then this Arbitration Agreement shall be invalidated and unenforceable in its entirety. In the event of a conflict or inconsistency between this Arbitration Agreement and Class Action Waiver and the other provisions of this Agreement or any other agreement, this Arbitration Agreement and Class Action Waiver governs.

OPT-OUT PROVISION.  YOU SHALL HAVE THE RIGHT TO OPT OUT OF THIS ARBITRATION AGREEMENT AND CLASS ACTION WAIVER BY PROVIDING WRITTEN NOTICE OF YOUR INTENTION TO DO SO TO US WITHIN THIRTY (30) DAYS OF THE PURCHASE OF THIS AGREEMENT (THE DATE OF PURCHASE BEING INDICATED ON YOUR SALES ORDER AND RECEIPT FROM THE SELLING RETAILER)To opt out, You must send written notice to either: (1) 10151 Deerwood Park Blvd., Building 100, Suite 500, Jacksonville, FL 32256, Attn: Legal or (2)  legal@fortegra.com, with the subject line, “Arbitration Opt Out.”  You must include in Your opt out notice:  (a) Your name and address; (b) the date You purchased Your Agreement; and (c) the Seller.  If You properly and timely opt out, then all Claims will be resolved in court rather than arbitration.

insurance:  The obligor under this Agreement is insured by “LYNDON SOUTHERN INSURANCE COMPANY”, 10151 Deerwood park blvd., bldg. 100, suite 500,  jacksonville, fl 32256 (800) 888-2738, EXCEPT IN CALIFORNIA WHERE THE OBLIGOR IS INSURED BY “RESPONSE INDEMNITY COMPANY OF CALIFORNIA” 10151 DEERWOOD PARK BLVD., BLDG. 100, SUITE 500, JACKSONVILLE, FLORIDA 32256 (800) 888-2738, EXCEPT IN GEORGIA WHERE THE OBLIGOR IS INSURED BY “INSURANCE COMPANY OF THE SOUTH”, 10151 deerwood park blvd., bldg. 100, suite 500, jacksonville, fl 32256 (800) 888-2738, AND EXCEPT IN NEW YORK AND Wisconsin WHERE THE OBLIGOR IS INSURED BY “BLUE RIDGE INDEMNITY COMPANY”, 10151 Deerwood park blvd., bldg. 100, suite 500,  jacksonville, fl 32256 (800) 888-2738If the Administrator fails to provide service or pay a claim within sixty (60) days YOU MAY submit YOUR CLAIM directLy to the insurer at the above address.

FINANCIAL GUARANTEE:

In Washington, Obligations of the service agreement provider under this agreement are backed by the full faith and credit of the service agreement provider.  if any promise made in the Agreement has been denied or has not been honored You may contact FORTEGRA FINANCIAL CORPORATION AT (800) 888-2738.

VIII.       CANCELLATION OF THE AGREEMENT:

  1. You may cancel this Agreement at any time by contacting the Seller.
    1. For monthly term Agreements, cancellation becomes effective at the end of the current month of coverage and no refund is provided.
    2. For annual term Agreements, a pro-rata refund will be issued for the unexpired term less any claims paid.
    3. In addition, if cancellation is within the first year of being an active customer and if any service has been performed, You may be charged the lesser of a $75 cancellation fee or the cost of the service provided.
    4.  In the event of cancellation within the first thirty (30) days of the Agreement Purchase Date, You will be refunded the full Agreement Purchase Price, less any claims paid.
    5.  We reserve the right to cancel this Agreement in the event of customer fraud, material misrepresentation, or failure to pay, cancellation may be immediate.  In the event of cancellation for customer fraud or material misrepresentation, We may demand immediate payment of the cost of all services provided to You, less any payments made, and no refund will be issued. The notice of cancellation will include the reason and the effective date of cancellation.
    6. Once this Agreement is cancelled, You will be subject to a thirty (30) day waiting period if You wish to purchase another Agreement.

State Requirements and Disclosures:

Alabama: CANCELLATION OF THE AGREEMENT section is amended as follows:  If the Agreement is cancelled, the You shall be entitled to a pro rata refund of the paid Agreement fee for the unexpired term, less service and a $25 administrative cost incurred by Obligor. If the Agreement is cancelled within thirty (30) days of the date the service Agreement was mailed or within ten (10) days of delivery if the Agreement is delivered at the time of sale and no claims have been made, the Agreement holder is entitled a refund of 100% of the premium.  A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within forty-five (45) days of receipt of returned Agreement.

Arizona: CANCELLATION OF THE AGREEMENT section is amended as follows:  No claim incurred or paid will be deducted from the amount to be returned in the event of cancellation.  In the event of cancellation, the cancellation fee may not exceed ten percent (10%) of the gross amount paid by You for this Agreement.  Arbitration section is amended as follows:  Arbitration cannot be an absolute dispute remedy and both parties must agree to arbitration.  This arbitration provision does not prohibit an Arizona resident from following the process to resolve complaints under the provisions of A.R.S. §20-1095.09, Unfair Trade Practices as outlined by the Arizona Department of Insurance.  To learn more about this process, You may contact the Arizona Department of Insurance at 100 N. 15th Ave., Suite 102, Phoenix, AZ 85007, Attn: Consumer Protection.  You may directly file any complaint with the A.D.O.I. against a Service Company issuing an approved Service Agreement under the provisions of A.R.S. §20-1095.04 and/or §20-1095.09 by contacting the Consumer Protection Division of the A.D.O.I. at 602-364-2499 (within the Phoenix Metropolitan Area) or toll free at 800-325-2548 (within Arizona, but outside the Phoenix Metropolitan Area).  Exclusions listed in the Agreement apply once the Covered Product is owned by You.

Limit of Liability and Conditions, 4., is revised to include: This Agreement does not exclude pre-existing conditions if such conditions were known or should reasonably have been known by Us or the person selling the Agreement on Our behalf.

Appliance and System Components, is revised to delete the following:  Those items listed as Not Covered are examples and not an all-inclusive list. This listing does not in any way limit Our right to decline coverage for items not specifically mentioned.

Arkansas: CANCELLATION OF THE AGREEMENT section is amended as follows:  You may cancel this Agreement within thirty (30) days of the date this Agreement was mailed to You or within ten (10) days of delivery if this Agreement is delivered to You at the time of sale or within a longer time period permitted under this Agreement and if You have not received any Service, You are entitled to a full refund of the amount paid by You under this Agreement.  A 10% penalty per month must be added to a refund that is not paid or credited to You within forty-five (45) days after the cancellation of this Agreement.

Colorado:  Actions under this Agreement may be covered by the Colorado Consumer Protection Act or the Unfair Practices Act, and You may have a right of civil action under those laws.

Connecticut:  If You purchased this Agreement in Connecticut, You may pursue arbitration to settle disputes between You and the provider of this Agreement. You may mail Your complaint to: State of Connecticut, Insurance Department, P.O. Box 816, Hartford, Connecticut 06142-0816, Attention: Consumer Affairs. The written complaint must describe the dispute, identify the price of the product and cost of repair, and include a copy of this Agreement.

If the Covered Property is in Our custody and this Agreement expires, this Agreement is automatically extended until the repairs are completed.

Florida: CANCELLATION OF THE AGREEMENT section is amended as follows:  If You cancel this Agreement, return of premium shall be based upon ninety percent (90%) of the unearned pro-rata premium less any claims that have been paid or less the cost of repairs made on Your behalf.  If this Agreement is cancelled by the Obligor or Administrator, return of premium shall be based upon one hundred percent (100%) of the unearned pro-rata premium less any claims that have been made or less the cost of repairs made on Your behalf.

If the Covered Property is sold during the term of this Agreement, You may transfer this Agreement to the new owner by mailing, and providing the date of new ownership, new owner’s name, complete address, and telephone number and an Administrator fee of forty dollars ($40) payable to Administrator.  A copy of the Agreement is available upon request.

The rate charged for this service agreement is not subject to regulation by the Florida Office of Insurance Regulation.

Georgia: CANCELLATION OF THE AGREEMENT section is amended as follows:  Cancellation will comply with O.C.G.A. 33-24-44 of the Georgia Code.  All provisions of this section apply except, if You cancel this Agreement, You shall be entitled to a refund of 90% of the unearned pro-rata amount of the paid agreement fee; and if We cancel Agreement, You shall be entitled to a refund of 100% of the unearned pro-rata amount of the paid agreement fee.  Claims paid and cancellation fees shall not be deducted from any refund owed as a result of cancellation.  Arbitration section of this Agreement is removed.

HawaiiCANCELLATION OF THE AGREEMENT section is amended as follows:   A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within forty-five (45) days of receipt of returned Agreement.

Illinois: CANCELLATION OF THE AGREEMENT section is amended as follows:   If You cancel within the first thirty (30) days of the Coverage Period, and no service request has been made, You are entitled to a full refund of the cost of this Agreement less an Administrator fee of the lesser of $50 or 10% of the Agreement fee.  If Obligor cancels this Agreement or if You cancel this Agreement after the first thirty (30) days of the Coverage Period, then You shall be entitled to a pro rata refund of the paid Agreement fee for the unexpired term, less an Administrator fee of the lesser or $50 or 10% of the Agreement fee, and any actual service costs incurred by Obligor.

Iowa:  The issuer of this Agreement is subject to regulation by the insurance division of the Department of Commerce of the state of Iowa.  Complaints which are not settled by the issuer may be sent to the Insurance Division.  CANCELLATION OF THE AGREEMENT section is amended as follows:   If We cancel this Agreement, We shall mail a written notice of termination to You at least fifteen (15) days before the date of the termination.  Prior notice of cancellation by Us is not required if the reason for cancellation is nonpayment of the Agreement purchase price, a material misrepresentation by You to Us or Administrator, or a substantial breach of duties by You related to the covered product or its use.  The notice of cancellation shall state the effective date of the cancellation and the reason for the cancellation.  If this Agreement is cancelled by Us for any reason other than nonpayment of the purchase price, We shall refund You in an amount equal to 100% of the unearned purchase price, calculated on a pro rata basis based upon elapsed time, less any claims paid.  We may charge a cancellation fee in an amount no greater than ten percent (10%) of the total purchase price.  A monthly penalty equal to ten percent (10%) of the outstanding provider fee outstanding must be added to a refund that is not paid or credited within thirty (30) days after the return of the Agreement to the provider.

Kentucky: You are entitled to make a direct claim against the insurer if We fail to pay any covered claim within sixty (60) days after the claim has been filed.

Louisiana: CANCELLATION OF THE AGREEMENT section is amended as follows:   You may cancel this Agreement within thirty (30) days of the date this Agreement was mailed to You or within ten (10) days of delivery if this Agreement is delivered to You at the time of sale or within a longer time period permitted under this Agreement and if You have not received any Service, You are entitled to a full refund of the amount paid by You under this Agreement.  A 10% penalty per month must be added to a refund that is not paid or credited to You within forty-five (45) days after the cancellation of this Agreement.  If this Agreement is canceled by Obligor, Obligor shall mail a written notice to You at the last known address at least fifteen (15) days prior to cancellation by Obligor.  Prior notice is not required if the reason for cancellation is nonpayment of the provider fee, material misrepresentation or substantial breach of duties by You.

MaineCANCELLATION OF THE AGREEMENT section is amended as follows:   The provider of the Agreement shall mail a written notice to the You at the Your last known address contained in the records of the provider at least fifteen (15) days prior to cancellation by the provider.  The notice must state the effective date of the cancellation and the reason for the cancellation.  If an Agreement is cancelled by the provider for a reason other than nonpayment of the provider fee, the provider shall refund to You one hundred percent (100%) of the unearned pro-rata provider fee, less any claims paid.  An administrative fee not to exceed ten percent (10%) of the provider fee paid by You may be charged by the provider.  A monthly penalty equal to ten percent (10%) of the outstanding provider fee outstanding must be added to a refund that is not paid or credited within forty-five (45) days after the return of the Agreement to the provider.

MarylandCANCELLATION OF THE AGREEMENT section is amended as follows: A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within forty-five (45) days of receipt of returned Agreement.

Massachusetts: CANCELLATION OF THE AGREEMENT section is amended as follows:   You may cancel this Agreement within thirty (30) days of the date this Agreement was mailed to You or within ten (10) days of delivery if this Agreement is delivered to You at the time of sale or within a longer time period permitted under this Agreement and if You have not received any Service, You are entitled to a full refund of the amount paid by You under this Agreement.  A 10% penalty per month must be added to a refund that is not paid or credited to You within forty-five (45) days after the cancellation of this Agreement.

Minnesota: CANCELLATION OF THE AGREEMENT section is amended as follows:   You may cancel this Agreement within thirty (30) days of the date this Agreement was mailed to You or within ten (10) days of delivery if this Agreement is delivered to You at the time of sale or within a longer time period permitted under this Agreement and if You have not received any Service, You are entitled to a full refund of the amount paid by You under this Agreement. A 10% penalty per month must be added to a refund that is not paid or credited to You within forty-five (45) days after the cancellation of this Agreement.

Mississippi:  IMPORTANT NOTICE ABOUT YOUR COVERAGE:

  • This Agreement includes a binding Arbitration agreement.
  • The Arbitration agreement requires that any dispute related to Your coverage must be resolved by Arbitration and not in a court of law.    
  • The results of the Arbitration are final and binding on You and Us.
  • In an Arbitration, one or more arbitrators, who are independent, neutral decision makers, render a decision after hearing the positions of the parties.
  • When You become an Agreement holder under this Agreement, You must resolve any dispute related to the Agreement by binding arbitration instead of a trial in court, including a trial by jury.
  • Binding arbitration generally takes the place of resolving disputes by a judge and jury.

Should You need additional information regarding the binding arbitration provision in the Agreement, You may contact Our toll free assistance line at 800-867-2216.

MissouriCANCELLATION OF THE AGREEMENT section is amended as follows: A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within forty-five (45) days of receipt of returned Agreement.

NevadaCANCELLATION OF THE AGREEMENT section is amended as follows:   You may cancel this Agreement within thirty (30) days of the Coverage Period and if You have not received any Service, You are entitled to a full refund of the amount paid by You under this Agreement.  Cancellation fee is not applicable.  A 10% penalty per month must be added to a refund that is not paid or credited to You within forty-five (45) days after the cancellation of this Agreement.  This Agreement shall be non-cancelable by Obligor, except for: Nonpayment of Agreement fees by You; or Fraud or material misrepresentation by YouWe may not cancel this Agreement without providing You with written notice at least fifteen (15) days prior to the effective date of cancellation. Such notice shall include the effective date of cancellation and the reason for cancellation. If We cancel this Agreement, no cancellation fee will be deducted from the pro-rata refund.  No claim incurred or paid will be deducted from the amount to be returned in the event of cancellation.

In emergency situations that defects immediately endanger the health and safety of You, and the Administrator determines that repairs cannot practicably be completed within three (3) calendar days after the report of the claim, Administrator will provide a status report to You and to the Commissioner by electronic mail at pcinsinfo@doi.nv.gov no later than three (3) calendar days after the report of the claim that will include: 1) A list of the required repairs or services, 2) the primary reason causing the required repairs or services to extend beyond the three (3) day period, 3) the current estimated time to complete the repairs or services; and 4) contact information for You to make additional inquiries concerning any aspect of the claim and a commitment by You to respond to such inquiries no later than one (1) business day after such an inquiry is made.  Repairs will commence within 24 hours after the report of the claim and will be completed as soon as reasonably practicable thereafter.  If You are not satisfied with the manner in which We are handling the claim on the Agreement, You may contact the Nevada Commissioner by use of the toll-free telephone number: (888) 872-3234.  Refer to Your Declaration Page, sales receipt or invoice for the purchase price of this Agreement.

New Hampshire:  In the event You do not receive satisfaction under this Agreement, You may contact the New Hampshire Insurance Department at 21 South Fruit St. Suite 14, Concord, New Hampshire, 03301 or by calling 800-852-3416.

New JerseyCANCELLATION OF THE AGREEMENT section is amended as follows:   A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within forty-five (45) days of receipt of returned Agreement.

New MexicoCANCELLATION OF THE AGREEMENT section is amended as follows: We may not cancel this Agreement without providing You with written notice at least fifteen (15) days prior to the effective date of cancellation. Such notice shall include the effective date of cancellation and the reason for cancellation. If this Agreement has been in force for a period of seventy (70) days, We may not cancel it before the expiration of the Agreement term or one (1) year, whichever occurs first, unless: 1) You fail to pay any amount due; 2) You are convicted of a crime which results in an increase in the service required under the Agreement; 3) You engage in fraud or material misrepresentation in obtaining this Agreement; or 4) You commit any act, omission, or violation of any terms of this Agreement after the effective date of this Agreement which substantially and materially increases the service required under this Agreement. A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within sixty (60) days of receipt of a returned Agreement.

New YorkCANCELLATION OF THE AGREEMENT section is amended as follows:   You may cancel this Agreement within twenty (20) days of the date this Agreement was mailed to You or within ten (10) days of delivery if this Agreement is delivered to You at the time of sale or within a longer time period permitted under this Agreement and if You have not received any Service, You are entitled to a full refund of the amount paid by You under this Agreement. A 10% penalty per month must be added to a refund that is not paid or credited to You within thirty (30) days after the cancellation of this Agreement.

North CarolinaCANCELLATION OF THE AGREEMENT section is amended as follows: We may not cancel this Agreement except for nonpayment by You or for violation of any of the terms and conditions of this Agreement.  The purchase of this Agreement is not required either to purchase or to obtain financing for a home appliance.

Oklahoma: This Agreement is not issued by the manufacturer or wholesale company marketing the product. This Agreement will not be honored by such manufacturer or wholesale company.  This Agreement is not a contract of insurance.  Coverage afforded under this contract is not guaranteed by the Oklahoma Insurance Guaranty Association.  CANCELLATION OF THE AGREEMENT section is amended as follows: In the event You cancel this Agreement, return of premium shall be based upon ninety percent (90%) of the unearned pro rata premium, less any claims that have been paid or less the cost of repairs made on Your behalf. In the event We cancel this Agreement, return of premium shall be based upon one hundred percent (100%) of unearned pro rata premium, less any claims that have been paid or less the cost of repairs made on Your behalf.

ARBITRATION – While arbitration is mandatory, the outcome of any arbitration shall be non-binding on the parties, and either party shall, following arbitration, have the right to reject the arbitration award and bring suit in a district court of Oklahoma.

Oregon:  Unless otherwise required by the laws of the state where the Covered Property is located, this Agreement shall be governed, construed and enforced in accordance with the laws of the State of Oregon without regard to principles of conflicts of law.  Upon failure of the Obligor to perform under the Agreement, the insurer shall pay on behalf of the Obligor any sums the Obligor is legally obligated to pay and any service that the Obligor is legally obligated to perform. Termination of the reimbursement policy shall not occur until a notice of termination has been mailed or delivered to the Director of the Department of Consumer and Business Services. This notice must be mailed or delivered at least thirty (30) days prior to the date of termination. CANCELLATION OF THE AGREEMENT section is amended as follows:   You, the Agreement Holder may apply for reimbursement directly to the insurer if a refund or credit is not paid before the 46th day after the date on which Your Agreement is returned to the provider.  ARBITRATION section of this Agreement is removed.

South CarolinaCANCELLATION OF THE AGREEMENT section is amended as follows:   You may cancel this Agreement within twenty (20) days of the date this Agreement was mailed to You or within ten (10) days of delivery if this Agreement is delivered to You at the time of sale or within a longer time period permitted under this Agreement and if You have not received any Service, You are entitled to a full refund of the amount paid by You under this Agreement. A 10% penalty per month must be added to a refund that is not paid or credited to You within forty-five (45) days after the cancellation of this Agreement.

TexasObligor will provide You with written notification of any material changes to this Agreement forty-five (45) day in advance of the implementation of such changes. Notice may not be provided to You when changes are favorable to You or when changes are mandated by a regulatory agency.  After notice of a material change, You may terminate this Agreement by providing written notice within the forty-five (45) day period prior to the effective date of the change.  If You do not respond prior to the expiration of the forty-five (45) day period, the change will be deemed accepted by You. It is understood that OBLIGOR WILL NOT BE THE SERVICE PROVIDER and OBLIGOR WILL NOT BE PERFORMING the actual repair of any such systems or components.

NOTICE: THIS COMPANY PAYS PERSONS NOT EMPLOYED BY THE COMPANY FOR THE SALES, ADVERTISING, INSPECTION, OR PROCESSING OF A RESIDENTIAL SERVICE AGREEMENT. UNDER TEXAS OCCUPATIONS CODE §1303.304.

NOTICE: THIS AGREEMENT IS ISSUED PURSUANT TO A LICENSE GRANTED BY THE TEXAS REAL ESTATE COMMISSION, AND COMPLAINTS IN CONNECTION WITH THIS AGREEMENT MAY BE DIRECTED TO THE COMMISSION AT P.O. BOX 12188, AUSTIN, TX 78711, (512) 936-3049.

  NOTICE: YOU, THE BUYER HAVE OTHER RIGHTS AND REMEDIES UNDER THE TEXAS DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT WHICH ARE IN ADDITION TO ANY REMEDY WHICH MAY BE AVAILABLE UNDER THIS AGREEMENT. FOR MORE INFORMATION CONCERNING YOUR RIGHTS, CONTACT THE CONSUMER PROTECTION DIVISION OF THE ATTORNEY GENERAL’S OFFICE, YOUR LOCAL DISTRICT OR COUNTY ATTORNEY OR THE ATTORNEY OF YOUR CHOICE.

Utah: CANCELLATION OF THE AGREEMENT section is amended as follows:  We can cancel this Agreement during the first sixty (60) days of the initial annual term by mailing to You a notice of cancellation at least thirty (30) days prior to the effective date of cancellation except that We can also cancel this Agreement during such time period for non-payment of premium by mailing You a notice of cancellation at least ten (10) days prior to the effective date of cancellation. After sixty (60) days have elapsed, We may cancel this Agreement by mailing a cancellation notice to You at least ten (10) days prior to the cancellation date for non-payment of premium and thirty (30) days prior to the cancellation date for any of the following reasons: (a) material misrepresentation, (b) substantial change in the risk assumed, unless the We should reasonably have foreseen the change or contemplated the risk when entering into the Agreement or (c) substantial breaches of contractual duties, conditions, or warranties. The notice of cancellation must be in writing to You at Your last known address and contain all of the following: (1) the Agreement number, (2) the date of notice, (3) the effective date of the cancellation and, (4) a detailed explanation of the reason for cancellation.  Coverage afforded under this Agreement is not guaranteed by the Property and Casualty Guarantee Association. This Agreement is subject to limited regulations by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department.  IF THE OBLIGOR FAILS TO PROVIDE SERVICE OR PAY A CLAIM WITHIN SIXTY (60) DAYS YOU MAY SUBMIT YOUR CLAIM DIRECTLY TO THE INSURER AT THE ABOVE ADDRESS.

EMERGENCY SERVICE:  If You are unable to reach Administrator and You require emergency repair, You may contact any manufacturer authorized service repair facility listed in Your phone book or online.  Mail Your original repair bill along with the technician’s report and a copy of the Agreement to Administrator for reimbursement.  All coverage and exclusions in this Agreement will apply.

VermontCANCELLATION OF THE AGREEMENT section is amended as follows:  You may cancel this Agreement within thirty (30) days of receipt of this Agreement if You have not received any Service for a full refund of the amount paid by You under this Agreement.

Virginia: CANCELLATION OF THE AGREEMENT section is amended as follows:   You may cancel this Agreement within thirty (30) days of the date this Agreement was mailed to You or within ten (10) days of delivery if this Agreement is delivered to You at the time of sale or within a longer time period permitted under this Agreement and if You have not received any Service, You are entitled to a full refund of the amount paid by You under this Agreement.  A 10% penalty per month must be added to a refund that is not paid or credited to You within forty-five (45) days after the cancellation of this Agreement.  If You are unable to contact or obtain satisfaction from the Home Service Agreement Provider then You may contact the Bureau of Insurance at PO Box 1157, Richmond, Virginia, 23218 or by calling 1-877-310-6560.

If any promise made in the Agreement has been denied or has not been honored within sixty (60) days after Your request, You may contact the Virginia Department of Agriculture and Consumer Services, office of Charitable and Regulatory Programs at www.vdacs.viriginia.gov/food-extended-service-contract-providers.shtml to file a complaint.

Washington: CANCELLATION OF THE AGREEMENT section is amended as follows:   Cancellation may be made by You at any time. If cancelled within thirty (30) days of acceptance of Obligor, and no service request has been made, You are entitled to a full refund of the Agreement proceeds. A ten (10%) percent penalty per month shall be added to a refund of the Agreement Purchase Price that is not paid or credited within thirty (30) days after return of the Agreement to UsYou are not required to wait sixty (60) days before filing a claim directly with UsWe may not cancel this Agreement without providing You with written notice at least twenty-one (21) days prior to the effective date of cancellation. Such notice shall include the effective date of cancellation and the reason for cancellation.

All references to Obligor throughout this Agreement are replaced with Service Provider.  ARBITRATION section is amended to add the following:  The Insurance Commissioner of Washington is the Service Provider’s attorney to receive service of process in any action, suit or proceeding in any court, and the state of Washington has jurisdiction of any civil action in connection with this Agreement.  Arbitration proceedings shall be held at a location in closest proximity to the Agreement holder’s permanent residence.

EMERGENCY SERVICE:  If You are unable to reach Administrator and You require emergency repair, You may contact any manufacturer authorized service repair facility listed in Your phone book or online.  Mail Your original repair bill along with the technician’s report and a copy of the Agreement to Administrator for reimbursement.  All coverage and exclusions in this Agreement will apply.

WisconsinCANCELLATION OF THE AGREEMENT section is amended as follows:  This Agreement shall not be canceled due to unauthorized repair of covered equipment.  Claims paid or the cost of repairs performed shall not be deducted from the amount to be refunded upon cancellation of this Agreement. The Administrator fee of the lesser of $30 or 10% of the Agreement fee does not apply to Wisconsin residents.  A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within forty-five (45) days of receipt of returned Agreement.  If Administrator fails to provide, or reimburse or pay for, a service that is covered under this Agreement within sixty-one (61) days after You provide proof of loss, or if the Administrator becomes insolvent or otherwise financially impaired, You may file a claim directly with the Insurer for reimbursement, payment, or provision of the service.  If We cancel this Agreement, We will provide written notice of cancellation, including the effective date of the cancellation and the actual reason for the cancellation, to the last known mailing address at least five (5) days prior to the effective date of the cancellation.  If We cancel this Agreement, We or the Seller will refund You one hundred percent (100%) of the Agreement purchase price, less any claims paid on Your AgreementTHIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE.  Timeliness of notice.  Provided notice or proof of loss is furnished as soon as reasonably possible and within one (1) year after the time it was required by this Agreement, failure to furnish such notice or proof within the time required by this Agreement does not invalidate or reduce a claim unless We are prejudiced thereby and it was reasonably possible to meet the time limit.   The Arbitration section of this Agreement is removed.

Wyoming: CANCELLATION OF THE AGREEMENT section is amended as follows:   In accordance with Section 26-49-103 of the Wyoming Insurance Code, You may cancel this Agreement within thirty (30) days of the date this Agreement was mailed to You or within ten (10) days of delivery if this Agreement is delivered to You at the time of sale or within a longer time period permitted under this Agreement and if You have not received any Service, You are entitled to a full refund of the amount paid by You under this Agreement.  A 10% penalty per month must be added to a refund that is not paid or credited to You within forty-five (45) days after the cancellation of this Agreement. If this Agreement is canceled by Obligor, Obligor shall mail a written notice to You at the last known address at least ten (10) days prior to cancellation by Obligor. Prior notice is not required if the reason for cancellation is nonpayment of the provider fee, material misrepresentation or substantial breach of duties by You.