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If you don't like the contractor or the work they do, you may be stuck with them. Furthermore, repairs may be more complicated with a third party the home warranty company involved in the process than a direct negotiation between a homeowner and a contractor would be. Also, the homeowner may have little or no say in the model or brand of a replacement component though the warranty contract should provide for a similar or equivalent quality replacement. Torine said he bought a warranty for his East Hanover condo in 2016 after a recommendation from a cousin. It included all appliances in the home no matter their age or origin but not every kind of repair was covered. The warranty had a $100 deductible and cost $769 a year. So when Torine's AC died on May 5, he said he wasn't too concerned. He called for service, but the customer service representative couldn't find a repair company in his area, Torine said. "The warranty claims 'access to a trusted network of more than 40,000 pre screened service professionals,'" Torine said. "But not one in North Jersey?"The days would pass and Torine would call for updates, but the many customer service reps he spoke to couldn't find a company to do the work, he said. At times, he said, it wasn't clear what company was taking his calls.

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It’s called an emergency fund.

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A simple mechanical test is defined as turning the item on and off to ensure that it is operational.

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I am buying a 100 year old home with a 50 year old furnace that, while still chugging away, I've researched to find it is incredibly difficult and expensive to get parts for.

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If your appliance cannot be repaired, the home warranty will provide you with the money you’ll need to replace it.