Steve Burges will authoize the claim and never pay it, he told me the office was closed due to the weather, no power or heat was his exact words, I called two other businesses in his building they reported no loss of heat or power, Several calls to a answering system, no return calls, finally when I got hold of him he stated he was not in the office and couldnt look up my claim but call me tomorrow, Ya checks in the mail... He is planning on going to Quartzite 2014 in Arizona to sell some more warranties, DONT PURCHASE.... read all of the bad internet and Rip Off reports...