Coverage Plan Buyers :-
Covered Causes of Failure:
Normal Wear and Tear: Mechanical breakdowns or failures due to the natural aging and use of appliances or systems.
Mechanical Failures: Issues arising from mechanical breakdowns or failures in covered items.
Electrical Malfunctions: Problems due to electrical failures within covered systems or appliances.
Plumbing Issues: Covered plumbing failures like leaks, clogs, or breakdowns of covered components.
HVAC System Failures: Malfunctions in heating, ventilation, or air conditioning systems.
Faulty Components: Failures of specific components or parts within covered appliances or systems.
Not Covered Causes of Failure:
Pre-existing Conditions: Issues present before the home warranty coverage starts.
Improper Maintenance: Problems arising from a lack of proper maintenance or neglect.
User Misuse or Abuse: Failures caused by misuse, abuse, or improper handling of covered items.
Acts of Nature: Damage resulting from natural disasters like earthquakes, floods, or other external forces.
Manufacturer’s Defects: Failures caused by defects in materials or workmanship from the manufacturer.
Cosmetic Issues: Non-functional failures that are purely cosmetic in nature.
Uncovered Components: Components or parts not explicitly listed in the coverage.
Upgrades or Modifications: Failures resulting from modifications or upgrades not approved or covered by the protection plan.
Commencement of Claim Filing Period
The period for filing a claim begins three months after the date of subscribing to your plan.
Transferability:
Transferability is limited solely to licensed real estate agents or real estate sellers who purchase protection plan to home buyers. The transfer of rights or benefits to non-licensed entities or individuals is strictly prohibited.
Auto-Renewal:
The protection plan is set to auto-renew unless the subscriber explicitly opts out. By default, the plan will renew at the prevailing price rate unless notified otherwise by the subscriber.
Dispute Resolution:
Any dispute arising from or related to the protection plan shall be resolved through mediation. Both parties agree to participate in good faith in the mediation process to seek an amicable resolution before pursuing further legal action.
Duration and Renewal:
The protection plan’s coverage is valid for a period of one year from the date of purchase. Upon expiration, the plan will automatically renew at the prevailing future price rate, unless canceled by the subscriber.
Deductibles:
A deductible is applicable when submitting a claim under the protection plan. The deductible amount will be specified in the terms and conditions and is the responsibility of the claimant.
Real Estate Agents:
Licensed real estate agents have the option to purchase a one-year plan on behalf of future homeowners they represent. These plans shall be subject to the terms outlined in this agreement.
Homeowners’ Responsibilities:
Homeowners are responsible for the deductible amount when submitting a claim under the protection plan. They are encouraged to thoroughly review the terms and conditions for detailed information on deductibles and claim procedures.
New Homeowners:
New homeowners opting into the protection plan will automatically be enrolled in a month-to-month payment plan. Alternatively, they may choose to pay for the entire year in advance.
Payment Options:
Subscribers have the option to pay on a month-to-month basis or make a lump-sum payment for the entire year. Payment must be made in accordance with the payment schedule chosen by the subscriber.
Intent to Cause Financial Harm:
Capital Home Shield reserves the right to investigate and take appropriate action if it is determined that a homeowner has submitted claims with the intent to cause financial harm or exploit the warranty coverage. Such intent may include, but is not limited to, submitting multiple claims for systems or appliances that are known to be excessively old, prone to failure due to age, or have recently exhibited a pattern of issues without reasonable justification.
Action Upon Determination:
If, following a thorough review, it is found that a homeowner has knowingly misrepresented the condition of systems or appliances to exploit the warranty coverage for financial gain, Capital Home Shield reserves the right to take actions including, but not limited to:
Rejection of the claim(s) in question.
Adjustments to coverage terms for the affected items.
Suspension or cancellation of the warranty contract without refund.
Pursuit of legal remedies if fraudulent intent is established.
Justification and Compliance:
Homeowners are encouraged to provide accurate information regarding the condition of covered systems and appliances. Capital Home Shield relies on the principle of fair and honest representation to ensure the integrity of the warranty program. It is expected that homeowners comply with the terms and conditions outlined in the warranty agreement and refrain from attempting to exploit the coverage for undue financial advantage.
Educational Resources: Offer additional resources such as maintenance tips, guides, or FAQs to help homeowners maximize the lifespan of covered appliances and systems.
Accessibility and Compliance: Ensure the terms and conditions are easily accessible on the company’s website or through other channels and comply with relevant consumer protection laws.
Educational Materials: Offer additional resources such as maintenance tips, guides, or FAQs to help homeowners maximize the lifespan of covered appliances and systems.
Comprehensive Examples: Provide real-life scenarios or case studies illustrating the coverage and claim process to help customers better understand how the warranty works in practice.
Filing a Claim: Online or Phone
At Capital Home Shield, we strive to make the claims process as seamless as possible, offering two convenient methods for filing a claim: online through our customer portal or by phone via our dedicated claims hotline.
Online Claim Filing:
Accessing the Customer Portal:
Log in to your account on our website using your registered credentials.
Navigate to the “File a Claim” section within your dashboard.
Completing the Claim Form:
Select the affected item or system from the dropdown menu or specify its name.
Provide specific details about the issue, including the nature of the problem and any relevant information requested.
Attach any necessary documentation, such as photos or receipts, to support your claim.
Submission and Confirmation:
Review the details entered for accuracy and completeness.
Click the “Submit” button to send your claim request.
You’ll receive an immediate confirmation of your claim submission along with a claim number for reference.
Phone Claim Filing:
Dialing our Claims Hotline:
Call our dedicated claims hotline located at the information page of this website.
Follow the automated prompts or speak with one of our knowledgeable representatives.
Providing Claim Details:
Clearly explain the issue you’re experiencing with the covered item or system.
Our representative will guide you through additional information needed and may ask specific questions to assess the situation.
Verification and Confirmation:
Upon verification of your details and coverage, our representative will confirm your claim.
You’ll receive a claim number and further instructions, including the next steps and expected timeline for service.
Additional Information:
Response Time: We aim to promptly process and respond to all claims. Response times may vary based on the nature and urgency of the issue.
Service Call Fees:
Depending on your coverage plan, a service call fee may apply, and our representative will clarify any associated costs during the claim filing process.
Tracking Your Claim: You can track the progress of your claim through your online account or by contacting our customer support team.
Our goal is to resolve your claim efficiently and with the least disruption possible to ensure your home systems and appliances are back in working order.
Customer Feedback and Satisfaction: Capital Home Shield values customer feedback and satisfaction, and the measures taken to address customer concerns or improve services based on feedback.
Service Providers :-
Service Provider Selection Process
At Capital Home Shield, we prioritize providing reliable service through a network of qualified and certified service providers. Here’s how we select and assign service providers:
Vetting and Qualifications:
We meticulously vet service providers based on their expertise, licensing, certifications, and adherence to industry standards.
All our service partners undergo a rigorous screening process to ensure they meet our quality criteria.
Provider Assignments:
When a claim is filed, our system identifies available service providers in the homeowner’s area based on their expertise and workload.
We assign a service provider with relevant experience and availability to address the specific issue reported by the homeowner.
Customer Choice:
While we assign service providers based on availability and expertise, we understand the value of customer preferences.
In some cases, homeowners may have the option to request a specific service provider from our approved network if they’ve had a positive experience or have personal preferences.
Standards and Expectations:
Our service providers are expected to meet stringent service standards, including:
Prompt response to service requests.
Professional conduct and courtesy toward homeowners.
Quality workmanship and adherence to industry best practices.
Use of genuine parts and materials wherever applicable.
Clear communication with homeowners regarding the issue, solution, and any necessary follow-up.
Continuous Evaluation:
We continuously evaluate our service providers’ performance based on homeowner feedback, completion rates, and adherence to our service standards.
Service providers failing to meet our standards are subject to review and potential removal from our network.
Customer Participation and Transparency:
We strive to provide transparency throughout the process, ensuring homeowners are informed about the assigned service provider and their qualifications.
If a homeowner has concerns or preferences regarding the assigned service provider, they can contact our customer support team, and we will address their requests to the best of our ability.
At Capital Home Shield, our commitment is to ensure that our network of service providers delivers the quality service and expertise our customers expect and deserve.
Capital Home Shield extends an invitation to qualified and reputable service providers to join our network and collaborate in providing exceptional service to homeowners covered under our protection program.
Benefits of Partnership:
Access to Customer Base: Joining our network provides access to a diverse customer base seeking professional and reliable service for their home systems and appliances.
Fair and Transparent Processes: We uphold fair and transparent practices, ensuring prompt payments for services rendered and clear guidelines for service calls and claims processing.
Steady Work Volume: Enjoy a consistent flow of service requests from homeowners needing repairs or maintenance, ensuring a steady volume of work opportunities.
Enhanced Visibility: Being part of our network grants visibility through our platforms, increasing your business’s exposure to potential customers seeking trustworthy service providers.
Qualification Criteria:
To ensure the highest standards of service for our customers, Capital Home Shield requires service providers to meet specific criteria, including:
Licensing and Certification: Service providers must hold the necessary licenses and certifications relevant to their field of expertise.
Experience and Expertise: Demonstrated experience and expertise in repairing and maintaining home systems and appliances.
Professionalism: Commitment to professionalism, punctuality, and providing excellent customer service.
Compliance with Industry Standards: Adherence to industry best practices and compliance with local regulations.
Application Process:
Service providers interested in becoming part of our network can apply by submitting their credentials and business details through our online portal. Once received, our team will review the application and contact qualified applicants for further assessment.
Partnership Commitment:
Capital Home Shield is committed to fostering strong, mutually beneficial partnerships with service providers dedicated to delivering quality service and customer satisfaction. Join us in providing homeowners with reliable solutions and peace of mind through our warranty program.
As a service provider joining Capital Home Shield’s network, you agree to the following terms and conditions:
Professional Service Delivery:
Provide professional, reliable, and timely service to homeowners covered by Capital Home Shield ‘s warranty program.
Adhere to industry best practices, using your expertise to ensure quality repairs and maintenance.
Use of Original Equipment Manufacturer Parts:
Use genuine and manufacturer-recommended parts wherever applicable for repairs and replacements.
Insurance Requirements:
Maintain a minimum liability insurance coverage of $1,000,000 to cover any liabilities arising during service provision.
Maintain a minimum vehicle insurance coverage of $300,000 to cover vehicles used in service provision.
Customer Treatment:
Interact with homeowners in a professional and courteous manner, addressing their concerns with respect and diligence. Communicate clearly and transparently regarding the service performed and any necessary follow-ups.
Compliance with Local Regulations:
Adhere to all local laws and regulations governing service provision in your area of operation.
Data Confidentiality:
Maintain strict confidentiality regarding any homeowner information or sensitive data obtained during service provision.
Commitment to Quality:
Maintain a commitment to continuous improvement, striving for excellence in service delivery.
Respect diversity and inclusivity in your interactions with homeowners and fellow service providers.
Embrace ethical business practices and transparency in all dealings within the network.
Promote a positive and professional image of the service provider community associated with Capital Home Shield.
Acknowledgment:
By joining Capital Home Shield ‘s network, you acknowledge and agree to comply with the terms and conditions outlined herein. Failure to adhere to these terms may result in termination of the partnership agreement.