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Mueller is also the founder of NJMoneyHelp. com. Stay informed and sign up for NJMoneyHelp. com's weekly e newsletter. But the long standing relationship between real estate brokerages and home warranty providers—with regard to how compensation can be offered to practitioners—was called into question in 2008 in an informal letter from the U. S. Department of Housing and Urban Development. The letter suggested that brokers and agents could be violating the Real Estate Settlement Procedures Act if they accepted a fee for selling home warranties. That’s because referral fees for “settlement services” are banned under the federal law, and confusion has reigned ever since over the acceptable conditions for receiving compensation. Even a clarification letter from HUD two years later, which said warranty sales were permissible as long as sales efforts constituted more than simply referrals and fees were reasonable, did not stem the confusion, since the follow up guidance continued to suggest that warranties were a “settlement service. ” The conflicting interpretations led to lawsuits, including a class action case against American Home Shield.

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I then found another contractor that completed the repair, and sent an invoice to AHS dba HSA for the repair. They then began sending notices in the mail stating that my claim would not be covered due to a "pre existing condition. " My blower motor did NOT break down due to a pre existing condition. It has worked perfectly for over 5 months since the day we moved in, evidenced by its performance in both heating and cooling up until the day of breakdown. My entire HVAC system has not had any malfunctions whatsoever prior to the motor breakdown on 5/16/18. This was definitively an acute and sudden breakdown that falls under the contractual coverage of my home warranty.