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HMS National Home Warranty Review
ConsumersAdvocate.org
77 Customer Comments & Reviews - see all comments
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HMS National is a home warranty provider based out of Fort Lauderdale, Florida. They also offer real estate errors and omissions insurance in order to provide protection against unforeseen circumstances. Their unlimited service guarantee is extraordinary in the industry, and their most positive feature. They are a BBB-accredited company with a B rating.
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77 Customer Comments & Reviews
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I have had a Home Warranty Protection with Total Protect/HMS for many years now and I have been, for the most part, pretty satisfied with them. But the last dealing I had with them was terrible. I agree with all those who are saying they service sucks now. When my heavy-duty microwave with an exhaust fan broke down, they sent Sears Home Services to fix it. The technician barely looked at it and said it was broken beyond repair. He said he will call in the management and ask to recommend sending in a new one as a replacement. So far so good. But this is when the nightmare began. When I called HMS a week later, inquiring about the new, replacement microwave, they said they will... Read More
SCAM! SCAM! SCAM!.....BUYER BEWARE.... I would not go with this company if it was the last one on earth. I wish there was option of strong dislike........or 0 stars We bought our house and the HMS home warranty (or Cinch warranty) was added at time of sale. Our refrigerator malfunctioned recently and we had a major leak in the kitchen and water seeping to the downstairs neighbours ceiling. I called this company immediately and they gave us phone number of a service provider in our area who will come out to check and repair. They immediately charged me 100$ deductible. I was supposed to call and set up appointment with the provider. After several hours I could get ahold of the... Read More
We bought HMS home warranty for our new home purchase. Our 1st claim was an electric ignite fireplace that would not start - denied as out of scope. More frustrating, the refrigerator water line stopped due to an insulation breakdown that caused sweating on the back panel, then rust and freezing that stopped the water flow. Claim submitted, claim denied - why? No coverage for issues due to rust. We appealed the claim with support from the technician who came to look at the issue. Claim again denied - this time they claimed they only cover "mechanical damage due to normal wear and tear". We expressed that this was the issue and that insulation failure was a mechanical failure. HMS stated... Read More
I never write reviews, but this warranty company is amazingly bad. I have never had such a horrible experience with any company. I had a policy for 6 years with HMS (Cinch). I filed a claim for a dishwasher, which one of their technicians had supposedly fixed (with a part that stopped working a few months later). The new technician came, for a $100 fee, and claimed the dishwasher wouldn’t be repaired because the issue was an infestation and it wouldn’t be covered by the policy. The claims department said I would need to challenge the claim and get a second opinion from my own technician, then send in supporting documentation. I had a technician go out and confirmed there was no... Read More
Have been without heat for8 days, paid the $200 deductible for a tech to look at heat pump. Part is on order but no one can find it, no one returns my emails or phone calls. We paid three years up front for HMS warranty so we are now out $1257 plus the $200 deductible, no heat for 8 days and they do not consider this an emergency. Also if pipes burst due to no heat they told me they are not responsible. We are renovating prior to move in and no contractors will come and do work unless the heat is repaired. So we are now paying rent and a mortgage on a condo with no heat that no one will work on. But HMS is fat and happy because they have all of our money and have done zip to repair our... Read More
Fridge stopped working soon after purchasing my home. Contacted HMS and they sent out a contractor the next week. I was told I had two options to wait two months for them to order and receive a new compressor or take the cash buyout to purchase a new fridge. Decided to pick option 2 (they said I should receive a check within 10 business days), I waited 6 weeks and have yet to receive a check. After several days of going back and forth, HMS decided they were going to drop the claim because the claim was made to soon after I purchased the home. If this was the case, why didn't any of the individuals I have been speaking to say this before? Why did they even accept the claim and send out a... Read More
I wish that I could give negative stars. This place a sad and poor excuse for warranty. Its a cheap imitation of a true warranty company. They basically cover nothing and you pay for nothing. Realtors and Title companies should do well to stay away from this place or else they will upset their clients and likely will face backlash as a result, since the buyer has no control over the choice of Home Warranty when buying a home. We bought a home and 3 months in noticed mold growing in a hallway closet. We contacted the warranty and they had an AC company come out. We paid our deductible just to be told that they could not proceed until we cleaned up the mold at our cost. They then closed our... Read More
I have been using this insurance company for over 3 years, since we purchased our home. Since I've have them, I've had to file 2 complaints with the BBB regarding poor service. Recently, I reached out to them and filed a claim for my over the range microwave. On 09/13/19, their 3rd party service provided determined the fuse was gone, they would reorder it and contact us. I waited until 09/23/19, and contacted the 3rd party service provided who advised me their request to purchase the fuse was denied. HMS never reached out to me from 09/13/19 - 09/23/19/ I contacted them to find out they were replacing the microwave, Great, right? They provided me the website and model # for the... Read More
Covered plumbing issue has been denied. Plumber confirmed that the issue is inside/under the house but the claim is being denied for being "outside" the home. Attempts to talk to a live person were near impossible and once we got to someone they spoke such broken English they are almost impossible to understand. That person said the issue would be covered but we've not learned that they put in a new claim for a bathroom issue (bathroom was never mentioned). The plumber has been on the phone with them over an hour and despite telling them again and again that the issue is inside the house they keep telling him they don't cover outside issues.
This is the most frustrating home warranty company ever. We had a fire in our water heater and instead of repairing or paying for the repair they blamed others saying "somebody messed with the gad line" and cited fine print and refused to pay. I would advise homeowners to stay away from this company and save their hard-earned money.
Top Rated
Our Partner
🔥 SALE: $150 OFF + 2 Months Free
- Trusted by Forbes, NerdWallet & MarketWatch
- Coverage for HVAC Systems & Home Appliances
- Free Roof Leak Coverage & Multi-Year Discount
- Flexible: No Home Inspection Required
- Hassle-Free Claims Online or by Phone