For the next several blog posts, the first few paragraphs will be identical since they cover necessary information related to each warranty or protection plan. If you have read these paragraphs, feel free to skip ahead to the plan details in each upcoming article.
Here at HPI, we offer a free, zero deductible 90-Day Home Warranty to all home inspection clients for added protection and peace of mind. In addition to the home warranty, we offer three additional free protection plans, including the 5-year Platinum Roof Protection Plan that I’ll review here. These warranties are provided through Residential Warranty Services (RWS), a premier residential warranty company with a proven track record of exceptional service. Every one of our home inspection clients is automatically enrolled in every one of these plans, and we take care of everything on our end so you have to do nothing! Read about the Platinum Roof Protection Plan and the other free plans we provide, and you’ll quickly see that at HPI we’ve got you covered!
The protection plans are similar to insurance policies for different components but with one major benefit. Just like an insurance policy, each plan has a deductible and a maximum (aggregate) amount of coverage if you file a claim; but unlike an insurance policy, you do not pay a premium! If you don’t have a claim, you never pay money; but if you do have a claim you’ll likely end up paying far less than if you had to be paying premiums all along. With the 90-Day Home Warranty there is no deductible, but the other protection plans do have a deductible if a claim is filed. Either way, having these plans provided for free and with no premiums is a huge benefit!
Since the protection plans are not insurance policies, they do not cover damage resulting from insurance covered events (fire, flood, lightning, vandalism, etc.), and any such claims should be filed under your homeowners insurance policy. They also don’t cover damage resulting from negligence or normal wear and tear. The warranties are there to help in other cases to provide you with broader protection.
Now to the 5-Year Platinum Roof Protection Plan… This warranty provides coverage for leaks for a whopping 5 year period from the date of your home inspection. That’s much longer than the 90 days of the home warranty and far longer than typical one-year home warranties that cost hundreds of dollars. If a leak that was not present during the home inspection emerges at any time during that five-year period, it will be covered up to $3,000 with a deductible of $500. But remember, even though a deductible is factored in, you did not have to pay premiums! In addition, the $500 deductible is half of the $1,000 deductible amount that many people choose for their homeowners insurance. So while you do have a deductible if a claim occurs, your cost is not nearly as much as you would normally pay without the warranty.
Once a leak has been repaired, it is guaranteed for the remainder of the policy term. For example, if a leak is repaired one year into the policy term, it is guaranteed for the remaining four years and will be repaired for free if issues with the same leak arise again. If it is determined that the leak is not repairable, the coverage amount can be applied to the purchase of a new roof.
The Platinum Roof Plan is good for any type of roof material. Many plans only cover common roofing types, like asphalt shingles, and exclude metal and other higher end roof coverings. With this plan, all roof types are covered!
When you choose Hill Property Inspections, you get this and several other free protection plans completely free of charge! That translates to exceptional value and peace of mind when you need it most, which is why we proudly proclaim that we offer the best value home inspections in Western Pennsylvania. At HPI, we’ve got you covered, and at a great price!
*To learn more about the free warranty and protection plans, go to http://www.hillinspections.com/free-protection-plans
*To visit our main website, go to http://www.hillinspections.com