Complaint Review: Assurant Solutions

We purchased this very expensive extended warranty at the advice and solicitation of GE Monogram Appliances. We put in a claim because we had water dripping on the floor underneath both the refrigerator and freezer. Assurant sent out a local company who said that the internal drainage system and the drip pan on the bottom had rusted out and that this should easily be covered and they would order the parts.

Assurant denied the claim. They sent us a paragraph which is copied:

"12. What is Not Covered - Your Contract does not cover:

h. damage or failures caused by external factors such as freezing, inadequate plumbing, wiring, power supply, power surge, rust, corrosion, smoke, infestation, negligence, abuse, misuse, acts of God, leaking batteries, display markings, problems with phone lines; I. service delays due to Acts of God, war or other causes beyond Our control." 

You will notice that this paragraph refers to external factors beyond their control. They highlighted the words rust, corrosion, took them out of context and denied the claim. We appealed and contacted GE. GE said of course this should be covered and sent them a note. Assurant took four days instead of the promised 1 to 2 and then denied the claim because of rust and corrosion.

This is like something out of a John Grisham movie. This company had no intention of ever paying this claim and they are a ripoff. We will appeal through the state of Arizona and cancel the policy and will never buy another GE appliance. However, we wish we had never bought the policy and caution others not to do so.