I have called HSA approximately 15-20 times during the past three days. The contractor who they authorized to do the work did not return calls on Friday and Saturday. HSA waited until Saturday evening to declare my situation an "emergency." Although HSA told me that I could pick another contractor, I could not get a contractor to come out on a Sunday. When my emergency contractor called HSA on Monday morning, the HSA representative would not authorize the charges (the panel is arching again...let's hope a fire does not start). She informed me that I had to use HSA's contractor, who was not available until tomorrow. She warned that I would be obligated to pay a "significant" difference if I used my contractor. When I asked her what that difference would be, she was unable to give me an exact amount and said HSA would have to call back after it speaks with the approved contractor. She never called back. Notwithstanding, I had to follow up AGAIN because the HSA contractor told me he was unsure if he was authorized to do the work. Hopefully, this nightmare will be over tomorrow, but I am not so sure.
There has been an obvious issue with our electrical panel for 1+ months. While this is the sort of issue that can lead to a house fire/loss of life, HSA clearly is only concerned about its bottom dollar. Even after declaring it an "emergency" situation, HSA still refused to authorize work. Do not waste your time/effort/money dealing with HSA.