Unacceptable treatment from HSA
The sample contracts on line for HSA state that the seller is
covered as long as your home is “on the market”. there is no mention in the sample about having to be listed with a realtor, The sample contract does not include the word “realtor” or “listed”. In many opinions, “on the market” could be for sale by owner.
After the seller agrees and signs for the coverage, they receive a welcoming letter whereby on page two the “coverage period” is shown as a Coverage Start Date with a Coverage Expiration 12 months later. Again no mention of a listing contract a realtor nothing. On the acceptance form for HSA it states that the seller agrees to pay the fee shown on the date legal title transfers to the buyer. So at this point the seller has agreed that when the home is sold they will pay the fee. SO WHAT IS THE PROBLEM? I'LL TELL YOU. HSA has an exception to the contract period within the actual contract itself. AGAIN, IT'S NOT IN THE COVER LETTER, IT'S NOT ON THE APPLICATION, IT'S NOT ON THE SAMPLE CONTRACT THE SELLER READS NONE OF THESE. IT ISN'T UNTIL AFTER THEY GET THROUGH THE COVER LETTER DO THEY HAVE TO DETERMINE THAT THE CONTRACT HAS AN EXCEPTION TO THE COVERAGE PERIOD. POOR MANAGEMENT AND DECEPTIVE.
The customer is led to believe that they are covered for a year. The seller already agreed to pay upon close. Why are they hiding this part within their contract contradicting themselves on page two of their own cover letter?
In our situation, when the home expired, we had to leave it off the market temporarily to move our family member out without realtors calling. We did do for sale by owner to keep it on the market. We verified this was okay with the HSA representative. When we called with after being covered for 6 months without one call, they asked if we were listed with a realtor, we said no and were cut off and told we no longer had coverage and within minutes they cancelled our policy. If I had lied and yes “yes it is listed with a realtor”, would that have done it? Answer probably so… but I just answered the question.
Bottom line these warranties that are done through “realtors” is a contract between the realtor and the warranty company. They should make that clear in their cover letter. They should state we would like to welcome you for accepting your realtor’s referral in considering our company as your warranty company while your home is “listed for sale with a realtor”.
When I called to go higher, I was met with a very intense and aggressive individual who does not listen and tries to intimidate. When I called back and left a message for the CEO's email address, again this very aggressive intimidating individual to my opinion called me again but now I was being insulted and basically called a liar. When I called back and spoke to a call representative who was very nice promised me she would call me back and to not worry that she would get me an email to the CEO got back on the phone 5 minutes later and said "I have so and so" on the line. So it didn't take long in this not so large company for one person to get so much attention, little me and she never called me back. Obviously she was told she could not or else... What else could it be for someone to literally promise to call you back and not do so for days now? It's so sad.... What kind of company is this? I'd like to know.
It’s a bad situation and it is not a company I will ever recommend to anyone again.
Know what the problem is today, there is an expectation from some groups and individuals for a one way loyalty. It’s a shame.