For these warranty posts, the first few paragraphs are nearly 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 MoldSafe 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 MoldSafe 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 MoldSafe… the MoldSafe plan is in effect for the same period as the Home Warranty – 90 days after the date of inspection or 22 days after closing, whichever comes later. MoldSafe covers the remediation (removal) of any visible mold that arises during the warranty period and was not present at the time of inspection. This is very important considering the adverse health affects associated with mold for some people. In addition, the presence of visible mold means there is a water problem, which would need corrected immediately to prevent potential structural damage.
The MoldSafe plan carries a deductible of $300 and an aggregate (maximum) coverage amount of $2,000. If you do need to file a claim, mold testing will need to be done, which we can take care of for you with our complete or limited mold inspections (see the FAQ page of our main website for more details on our limited and complete mold inspections.
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