Select will not reimburse You if You use your own service technician without first obtaining Select’s prior authorization. 5. 2. 1 Select Service Call Fee/Deductible. Each time a independent service technician is scheduled and dispatched to Your home, You will be required to pay the Select Service Call Fee in the amount of $ Dollars. You will be required to pay the Select Service Call Fee regardless of whether all or part of the claim is granted, excluded, limited or denied by Select.
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That money could be put into an emergency fund for making the same repairs and replacements that the home warranty would cover. Also, if the homeowner tries to use the warranty and the claim is denied, he will probably feel like the money spent on the premium and the service call fee was wasted. Home warranties do eliminate the need to find a contractor when something breaks. However, they also eliminate the freedom to choose your own independent contractor if you want the warranty to pay for the repair or replacement. If you don't like the contractor or the work they do, you may be stuck with them. Furthermore, repairs may be more complicated with a third party the home warranty company involved in the process than a direct negotiation between a homeowner and a contractor would be.