1.
In accordance with the terms and conditions of this residential service contract ("contract"), OneGuard Home Warranties will repair or replace contract holder's selected covered items so long as they:
a.
Are in good, safe working order and correctly installed at the premises on the effective date of this contract;
b.
Become inoperative from normal wear-and-tear after the effective date of this contract;
c.
Are classified by the manufacturer as residential (OneGuard does not cover systems classified as commercial);
d.
Are located within the perimeter of the main house foundation or garage (with the exception of items marked with an "*");
e.
Are not covered by a manufacturer, distributor, builder, extended warranty or homeowner's insurance policy;
f.
Are reported during the terms of this contract.
2.
This contract covers single-family residences (including, condos, town homes and manufactured housing) of less than 5,000 square feet. Homes over 5,000 square feet, guest homes, duplexes, triplexes and fourplexes are covered if appropriate fee is paid. This contract covers owned or rented residential property, not residences used as businesses.
3.
This contract only covers items that were installed on the premises on the effective date. Systems or appliances that were installed after the effective date must be registered with OneGuard to be covered by this contract. Used items installed after the effective date are not covered by this contract unless they were purchased from a reputable retailer and backed by a minimum 90-day warranty.
4.
Determination of whether to repair or replace will be at the sole discretion of OneGuard. When replacement is required, OneGuard is responsible for installing equipment comparable in features, capacity, and efficiency (except as noted under "Limits"). OneGuard is not responsible for matching identical colors, brands, and dimensions, or any features that do not contribute to the primary function of the covered system or appliance.
5.
When addressing a covered item breakdown or malfunction, OneGuard will also make arrangements in accordance with the terms of this contract to:
a.
Dismantle, remove and dispose any defective covered equipment.
b.
Pay up to $250 per contract term to obtain required permits or to upgrade to current code requirements when completing repairs or replacements of covered items. This contract does not cover any existing code violations that are not associated with a covered repair or replacement.
6.
OneGuard reserves the right to offer cash in lieu of repair or replacement in the amount of OneGuard's actual cost (which is less than retail) to repair or replace any covered item. If OneGuard makes the determination to provide the contract holder cash in lieu of repair or replacement, OneGuard will make payment within 30 days from the time that determination is made. If OneGuard provides cash in lieu of repair or replacement of a covered item, that item will not be covered for future malfunctions until the contract holder has it correctly repaired or replaced by a service professional and delivers to OneGuard any paid invoices evidencing the repairs or replacement.
7.
Coverage includes only the items stated as covered and excludes all others. Coverage is subject to limitations, exclusions and provisions specified in this contract.
1.
Contract holder is responsible for normal maintenance of covered equipment according to the manufacturer required maintenance guidelines located in the Owner's Manual.
2.
When a failure occurs, turn covered item off, protect it from further damage and call OneGuard at 1-888-896-0014 or enter information in the OneGuard customer portal at OneGuardHW.com. Should contract holder fail to protect the covered item from further damage, the consequential damage is not covered.
3.
Contract holder is obligated to provide information relating to the cause, nature and timing of any breakdown. This information may include inspection reports, real estate contracts and repair invoices.
1.
First Year Customer: CONTRACT TERM BEGINS TEN (10) DAYS AFTER ACCEPTANCE OF APPLICATION BY ONEGUARD AND RECEIPT OF PLAN FEE and continues for one (1) year. If contract holders selects the monthly payment option and OneGuard elects to renew the contract, the contract will automatically be renewed for an annual coverage period unless contract holder notifies OneGuard in writing 30 days prior to the expiration of the contract (See section - RENEWALS & TRANSFER OF CONTRACT for more details).
2.
Renewal Customer:Renewal Customer contract term begins upon expiration of previous contract term and continues for one (1) year provided that the plan fee is received by OneGuard prior to expiration of current contract. If plan fee is received by OneGuard after expiration, a new First Year Customer contract term will begin, new plan fee pricing may differ and the new contract term will begin ten (10) days after receipt of plan fees (See section - RENEWALS AND TRANSFER OF CONTRACT).
1.
Contract holder, contract holder's agent or tenant must call 1-888-896-0014 or enter information in the OneGuard customer portal at OneGuardHW.com as soon as the problem is discovered and prior to the expiration date.
2.
OneGuard has the sole right to select and arrange an authorized OneGuard service contractor to perform work covered by this contract. Only work authorized and arranged by OneGuard is covered by this contract. OneGuard will not reimburse contract holder for service performed by contract holder's own contractor without prior authorization.
3.
Service Response Times.
a.
Normal Service. Under normal circumstances, an authorized OneGuard service contractor will contact contract holder within four (4) business hours (48 hours on weekends/holidays) to schedule a mutually convenient appointment, during normal business hours, to perform non-emergency service.
b.
Emergency Service. An emergency is defined as a plumbing failure that causes interior flooding, a complete loss of heating or cooling in extreme temperature conditions, a substantial loss of electrical service, or any other condition that renders the interior of the home uninhabitable. OneGuard will make all reasonable efforts to expedite emergency service. 24-hour emergency service is only available for interior flooding. OneGuard will determine what services constitute an emergency and will make all reasonable efforts to prioritize and expedite emergency service.
c.
Expediting Normal Service.OneGuard will accept a contract holder's request to expedite non-emergency service only if an authorized OneGuard service contractor is available. If the service contractor agrees to expedite the scheduling of non-emergency service, contract holder will be responsible for additional fees, including overtime pay.
1.
For each separate trade item, contract holder is responsible to pay a 69.00 service fee. The service fee will be due and payable to OneGuard at the time of scheduled service. This includes when:
a.
A contract holder cancels a service request after the service contractor is in route to the contract holder's home;
b.
A contract holder fails to provide accessibility necessary to perform the service request;
c.
A service contractor's diagnosis results in a partial or complete exclusion of coverage; or
d.
OneGuard approves a contract holder's request for a second opinion.
2.
Repairs are guaranteed for 30 days. Should failure of that item occur within 30 days, another service fee will not be charged.
3.
Failure to pay service fees will result in suspension or cancellation of this contract.
4.
OneGuard reserves the right to obtain a second opinion at OneGuard's expense. In the event that OneGuard informs contract holder that the malfunction is not covered, contract holder has the right to request a second opinion of the cause of the malfunction. Contract holder must ask OneGuard for a second opinion from another OneGuard service contractor within seven (7) days from the time OneGuard informed contract holder the malfunction is not covered. In the event that the outcome of the second opinion is different than the first opinion, contract holder will not owe an additional service fee. If contract holder requests a second opinion, contract holder will be responsible for the payment of an additional service fee only if the outcome of the second opinion is the same as the initial opinion.
1.KITCHEN APPLIANCES
COVERED: All mechanical parts and components that fail due to normal wear-and-tear of:
KITCHEN REFRIGERATOR,
DISHWASHER,
RANGE - OVEN - COOKTOP,
BUILT-IN MICROWAVE,
GARBAGE DISPOSAL,
INSTANT HOT WATER DISPENSER,
TRASH COMPACTOR
NOT COVERED: Detachable accessories, items that do not affect the primary operation of an appliance, maintenance items and items that do not fail as a result of normal wear-and-tear such as but not limited to: shelves, drawers, hinges, light bulbs, glass or glass tops, food spoilage, insulation, multi-media centers and filters.
LIMITS: Maximum for diagnosis, repair, or replacement of a kitchen appliance is $2,500.
Note: This coverage is for one (1) unit per appliance type. Additional fee is required to have multiple units of each appliance type covered by this contract.
2.WASHER & DRYER
COVERED: All mechanical parts and components that fail as a result of normal wear-and-tear:
NOT COVERED: Items that do not affect the primary operation of an appliance, maintenance items and items that do not fail as a result of normal wear-and-tear such as but not limited to: dispensers, plastic mini-tubs, lint or filter screens, venting, hinges, dials and knobs.
LIMITS: This coverage is for one (1) unit per appliance type. Additional fee is required to have multiple units of each appliance type covered by this contract.
3.RE-KEY SERVICE & GARAGE DOOR REMOTE RE-PROGRAM
COVERED: Re-programming of the garage remote, Re-key up to 6 key holes (including deadbolts) and provide 4 copies of the key.
NOT COVERED: Homelink or other car remote re-programming, re-programming of garage door openers that are higher than 10 feet from ground, exterior keypad re-programming, lock picking, lock-out service, or new lock sets. The contact holder will incur extra fees for these items.
Note: If the covered property is outside of our normal service area, you may incur an additional fee.
4.CARPET CLEANING SERVICE
COVERED: For the applicable service fee, OneGuard will clean carpets of general soiling in up to three (3) rooms but not more than 600 square feet. For more extensive carpet or upholstery cleaning, contract holder will be charged additional fees at discounted rates.
NOT COVERED: Old/permanent stain removal, urine and/or feces odors and stains, preexisting visible carpet damage and any stain that requires enzyme treatments.
LIMITS: Note: This service may only be utilized once in a 90 day period. Additional floor cleaning services are available for an additional fee including, additional carpet cleaning over three (3) rooms or 600 feet, tile and grout cleaning, upholstery cleaning, deodorizing treatments, enzyme stain removal treatments and more.
5.WINDOW CLEANING SERVICE
COVERED: For the applicable service fee, OneGuard will clean up to fifteen (15) ground-level exterior windows. Additional fees will be charged for additional exterior windows and/or second story windows.
NOT COVERED: Hard water stain removal, paint overspray removal, screen cleaning, screen repairs, and interior windows. Additional fees apply for these services.
6.DRYER VENT CLEANING SERVICE
COVERED: For the applicable service fee, OneGuard will roto-clean one (1) dryer vent.
NOT COVERED: Maintenance or cleaning service on dryer unit.
Note: This service is intended for single family dwellings. This service may require an additional fee for condos in a high-rise multi-family dwelling.
7.PEST CONTROL TREATMENT
COVERED: For the applicable service fee, OneGuard will provide a pest control treatment of ants, carpenter ants, roaches, crickets, spiders, ground beetles, earwigs, silverfish, millipedes, centipedes, pillbugs, sowbugs, clover mites; and treatment for mice. Additionally, OneGuard will provide limited extermination treatment for rodents by placing up to five (5) traps or two (2) bait stations.
NOT COVERED: Treatment of infested areas outside the perimeter of the main house foundation, bed bugs, flying insects, ticks, fleas, German Roach infestations, rats and any pests not listed above.
LIMITS: Limited rodent extermination treatment does not cover a return trip for removal and/or disposal of traps or bait stations - an additional service fee is required for a return trip. Additional fees will also be required for any rodent infestation that requires more than five (5) traps or two (2) bait stations.
Note: Pest control treatments will be performed by a pest control company licensed by the state of Arizona.
1.UNDETECTABLE PRE-EXISTING CONDITIONS COVERAGE
COVERED: When this option is selected and premium is paid, failures of covered items caused by unknown pre-existing conditions are covered so long as the mechanical failure was a result of normal wear-and-tear and would not have been detectable by a simple visual inspection and/or by operating the system or appliance.
Note: Known problems or defects that existed on the effective date of this contract are not covered by this option. The contract holder must have all known pre-existing defects correctly repaired by a service contractor and provide OneGuard any paid invoices evidencing the repairs before the defective item can be covered by this contract.
2.ADDITIONAL FREESTANDING REFRIGERATION UNITS
COVERED: All mechanical parts and components that affect the operation of a freestanding refrigeration unit except:
NOT COVERED: Any removable equipment, shelves, racks, drawers, ice/water dispenser, ice crusher, hinges, light bulbs, food spoilage, interior thermal shell, insulation, filters and filter housing.
LIMITS: $1,000 maximum per covered item for diagnosis, repair or replacement of additional freestanding refrigerators, freezers or ice makers.
Note:This option is available to cover additional freestanding refrigerators, freezers, ice makers or wet bar refrigerators. Additional option fee is required for each additional freestanding refrigeration unit that the contract holder desires to be covered by this contract. Unless a refrigerator is rated for garage use, OneGuard only covers refrigerators in climate controlled areas. This option is not available for built-in refrigeration units.
3.BUILT-IN KITCHEN REFRIGERATOR UPGRADE
COVERED: This upgrade increases the maximum coverage limit on contract holder's kitchen refrigerator from $2,500 to $5,000. This upgrade is designed to provide more coverage when a high-end, professional grade refrigerator must be replaced. When this option is selected and the option fee is paid, OneGuard will pay up to $5,000 for diagnosis, repair or replacement of the kitchen refrigerator covered by the ApplianceGuard or HomeGuard plan.
4.BUILT-IN POOL / SPA (1ST SET OF EQUIPMENT)
COVERED: Both the built-in pool and spa equipment are covered if they use common equipment. If they have separate pump and filtration systems, then only one or the other is covered unless additional fee is paid. Coverage applies to the primary pump, primary filter, primary pump timer, primary heater, blower, gaskets, seals, back flush valves, 2 & 3-way valves, switches, relays, above ground plumbing and electrical that are associated with primary pump and filter. When Salt Water Pool/Spa Equipment option is added and premium is paid, salt water cell and circuit board are also covered.
NOT COVERED: Any item not listed above such as but not limited to fill lines and fill valves, grids, diatomaceous earth, sand, cartridge elements, fountains and other water features (unless Addt'l Pool Pump/Water Feature coverage is selected and paid), heat pumps, computerized control boards and related equipment, booster pumps and water feature pumps (unless the Addt'l Pool Pump/Water Feature option is selected and paid), problems caused by lack of maintenance or abnormal wear-and-tear, liners, structural defects, lights, solar equipment, tile or plaster, inaccessible components and built-in and in-pool cleaning equipment such as but not limited to salt system chlorinators (unless the Salt Water Pool/Spa Equipment option is selected and paid), ionizers, pool sweeps, jets, pop-up heads, actuator valves (turbo valves), heat pump pool heaters, skimmers and above ground pools and spas.
LIMITS: $1,000 maximum for diagnosis, repair or replacement of pool/spa heater.
5.SALT WATER POOL/SPA (1 SET OF EQUIPMENT)
COVERED: Both the built-in pool and spa equipment are covered if they use common equipment. If they have separate pump and filtration systems, then only one or the other is covered unless additional fee is paid. Coverage applies to the primary pump, primary filter, primary pump timer, primary heater, blower, gaskets, seals, back flush valves, 2 & 3-way valves, switches, relays, above ground plumbing and electrical that are associated with primary pump and filter. When Salt Water Pool Equipment coverage is selected and premium is paid, salt water cell and circuit board are also covered.
NOT COVERED: Any item not listed above such as but not limited to fill lines and fill valves, grids, diatomaceous earth, sand, cartridge elements, fountains and other water features (unless Addt'l Pool Pump/Water Feature coverage is selected and paid), computerized control boards and related equipment, booster pumps and water feature pumps (unless the Addt'l Pool Pump/Water Feature option is selected and paid), problems caused by lack of maintenance or abnormal wear-and-tear, liners, structural defects, lights, solar equipment, tile or plaster, inaccessible components and built-in and in-pool cleaning equipment such as but not limited to salt system chlorinators (unless the Salt Water Pool/Spa Equipment option is selected and paid), ionizers, pool sweeps, jets, pop-up heads, actuator valves (turbo valves), heat pump pool heaters, skimmers and above ground pools and spas.
LIMITS: $1,000 maximum for diagnosis, repair, or replacement of a pool/spa heater.
6.ADDITIONAL POOL PUMP/WATER FEATURE
COVERED: This option provides coverage for one (1) additional booster pump associated with pool/spa water features or in-pool cleaning systems. Multiple options must be selected to cover multiple pumps.
LIMITS: Note: Contract option fee is required for each additional pump. Built-in Pool/Spa Equipment or Salt Water Pool/Spa Equipment option must be selected before this option can be purchased.
7.ADDITIONAL BUILT-IN KITCHEN REFRIGERATION UNIT
COVERED: All mechanical parts and components that affect the operation of the additional built-in kitchen refrigerator including the ice maker and ice/water dispenser except:
NOT COVERED: Shelves, racks, drawers, ice crusher, light bulbs, food spoilage, interior thermal shell, filters, and filter housing.
LIMITS: When this option is selected and the option fee is paid, OneGuard will pay up to $5,000 for diagnosis, repair or replacement of one (1) additional built-in kitchen refrigerator.
8.ADDITIONAL FREESTANDING KITCHEN REFRIGERATOR
COVERED: All mechanical parts and components that affect the operation of a freestanding kitchen refrigerator including the ice maker and ice/water dispenser except:
NOT COVERED: Any removable equipment, shelves, racks, drawers, ice crusher, hinges, light bulbs, food spoilage, interior thermal shell, insulation, multi-media centers and filters.
LIMITS: Maximum for diagnosis, repair or replacement of a freestanding kitchen refrigerator is $2,500.
Note: Built-in Refrigerators which are permanently sealed systems are not covered by this option.
This contract is intended to cover the costs to repair or replace contract holder's covered home systems and appliances when they fail due to normal wear-and-tear; however, coverage is not all inclusive. There may be situations in which contract holder will be responsible to pay additional costs for parts or services not covered by this contract. In those cases, OneGuard will work with contract holder to determine the best course of action to reasonably minimize out-of-pocket-costs.
1.
General Exclusions. This contract does not cover:
a.
Known defects that existed on or before the effective date. Unknown pre-existing conditions are not covered by this contract unless (1) the contract holder has selected and paid for the Unknown Pre-existing Conditions Option, (2) the pre-existing defect or malfunction would not have been detectable by visual inspection and a simple mechanical test, and (3) the defect or malfunction occurred as a result of normal wear-and-tear. The contract holder must have all known pre-existing breakdowns and defects correctly repaired by a service professional and deliver to OneGuard any paid invoices evidencing the repairs before the defective item can be covered by this contract.
b.
Routine maintenance of appliances and equipment. Contract holder is responsible for maintenance and cleaning of covered items as specified by the manufacturer.
c.
Failure of parts or components caused by the lack of manufacturer recommended maintenance of this contract are not covered.
d.
Breakdowns that are caused by any condition that is not considered to be normal wear-and-tear such as but not limited to:
(1)
Misuse, abuse, or improper usage;
(2)
Lack of capacity or insufficient or undersized systems or components;
(3)
Improper previous repairs or modifications;
(4)
Missing parts, components, or equipment;
(5)
Fire, freezing, hail, wind damage, water damage, lightning, smoke, earthquakes, mud slides, soil movement, other acts of nature, accidents, or any other risk covered by homeowner's insurance;
(6)
Manufacturer or builder defects;
(7)
Chemical, soap, or sedimentary build-up (except water heaters); or
e.
Secondary, consequential, or incidental damages resulting from the malfunction of any covered item such as but not limited to food spoilage, loss of income, utility bills, additional living expenses, or the restoration or repair of walls, ceiling, flooring, cabinets, countertops, or painting.
f.
Repair or remediation of cosmetic defects.
g.
Repair, replacement, installation, or modification of any covered item that has been determined to be defective by the Consumer Product Safety Commission or for which a manufacturer has issued a warning, recall, or determination of defect.
h.
Electronic, computerized home management systems such as but not limited to energy, lighting, comfort, appliance, or pool management systems.
2.
Access Limitations:
a.
Except as noted under "Limits", OneGuard is not responsible for providing access or closing access to covered items.
b.
OneGuard is not responsible for costs of restoration of any wall or floor covering, cabinets, countertops, tile, stone, brick, paint, or the like.
3.
General Limitations of Liability:
a.
Except as otherwise provided herein, OneGuard is not responsible for any additional work or costs required to comply with any federal, state, or local laws, regulations, or ordinances or utility regulations, to meet current building or zoning code requirements or correct for code violations.
b.
OneGuard is not responsible for costs related to the recapturing and remediation of refrigerants for which the disposal of such substances is regulated by the EPA.
c.
OneGuard is not responsible or liable for performing service, or paying remediation costs, involving toxic or hazardous substances or problems caused by pathogenic organisms including but not limited to mold, mildew, fungi, spores, bacteria, virus, yeast, and mycotoxins.
d.
OneGuard is not responsible for repairs, replacements, or modifications of covered equipment that are merely inefficient.
e.
OneGuard is not responsible for upgrades, components, or parts required due to the incompatibility of the existing equipment with the replacement system, appliance, component, or part thereof or new type of material or chemical utilized to run the replacement equipment including but not limited to differences in technology, refrigerant requirements, or efficiency as mandated by federal, state or local governments.
f.
OneGuard is not responsible for costs of construction, carpentry, or modifications necessary to effect repair or replacement of covered items.
g.
OneGuard is not responsible or liable for the costs of testing required by statute or regulation associated with the repair or replacement of covered items or components.
h.
This contract does not cover common areas and common systems in multi-family dwellings and mobile home parks.
i.
OneGuard is not liable for failure to provide timely service due to conditions beyond its control including, but not limited to, delays in obtaining parts, or equipment and labor difficulties.
j.
Systems and appliances that are installed at the premises any time after the effective date of this contract are not covered unless OneGuard agrees to provide coverage for such item.
1.
This contract is renewable, subject to OneGuard approval. Renewal is effective only upon issuance of a new contract.
2.
If contract holder selects the monthly payment option and OneGuard elects to renew the contract, OneGuard will notify contract holder of applicable rate and terms of renewal at minimum 45 days prior to expiration of the contract and contract will automatically be renewed for an annual coverage period unless contract holder notifies OneGuard in writing 30 days prior to the expiration of the contract. Contract holder's first payment for the next contract will be construed as authorization for another 12-month contract.
3.
This contract is transferable if the covered property is sold during the term of this contract. The contract owner must notify OneGuard, in writing, of the change in ownership and submit the name of the new owner to transfer coverage.
1.
This contract shall be cancelable by the contract holder at any time. This contract shall be non-cancelable by OneGuard, except for:
a.
Nonpayment by contract holder of contract or service feess,
b.
Fraud or misrepresentation of facts material to the issuance of this contract. Cancellation of a contract by OneGuard will become effective 15 days after the notice of cancellation is mailed to the contract holder.
2.
Nevada Residents: The first (30) thirty days of the contract is defined as the free look period. The contract holder may cancel and receive a full refund without penalty within the free look period (the first (30) thirty days after the effective date of this contract) if no claims have been placed. In the event that the contract holder cancels the contract after the free look period or after filing a claim during the free look period, the contract holder shall be entitled to a pro-rata refund of the paid contract fee for the unexpired term less any outstanding balance on account and less a $50 administrative fee. Cancellations must be in writing.
3.
In the event of cancellation of Renewal Customer contract any time after the effective date, the contract holder shall be entitled to a pro-rata refund of the paid contract fee for the unexpired term less any unpaid service fees and a $50 administration fee. If the contract is canceled by OneGuard the contract holder shall be entitled to a pro-rata refund of the paid contract fee for the unexpired term less any outstanding balance on account. Cancellations must be in writing.
4.
Refunds will be mailed to the contract holder within 45 days of the cancellation date. A 10% penalty will be added to the purchase price for each 30-day period that the refund remains unpaid.
OneGuard and the contract holder will attempt in good faith to resolve any controversy or dispute arising out of or relating to this contract through direct discussions. If these discussions are unsuccessful, all disputes or claims between the parties arising out of the contract or the parties' relationship shall be resolved by final and binding arbitration administered through the American Arbitration Association ("AAA") under the AAA Commercial Arbitration Rules. Copies of the AAA Rules and forms can be obtained at www.adr.org. The arbitrator's decision shall be final, binding, and non-appealable. The parties expressly agree that this Agreement and this arbitration provision involve and concern interstate commerce and are governed by the provisions of the Federal Arbitration Act (9 U.S.C. 1, et seq.) to the exclusion of any different or inconsistent state or local law, ordinance or judicial rule.
By entering into this Agreement the parties acknowledge that they are giving up the right to a jury trial, and the right to participate in any class action, private attorney general action or other representative or consolidated action, including any class arbitration or consolidated arbitration proceeding.
ATTENTION NEVADA CONSUMERS: If you are not satisfied with the manner in which a claim is being handled under this contract, you may contact the Nevada Commissioner of Insurance at (888) 872-3234. This contract is issued pursuant to a permit granted by the Nevada Department of Insurance ("NDOI"), and complaints in connection with this contract may be directed to the NDOI by phone at 888-872-3234, online at www.doi.nv.gov, or by mail at 1818 E. College Parkway, Suite 103, Carson City, NV 89706. Obligations under this contract are backed by the full faith and credit of OneGuard Nevada LLC.