Have a 4yr. "Full" coverage Contract for household Applianceses & Systems. Paid close to $2,000 dollars for coverage because we are elderly & on a limited income of only Social Security. When you speak of a "hot water heater", you don't picture a Heating element by itself; you picture a complete water heater with a tank to hold the water! Even in their pictures they show a complete water heater.
The technician they sent didn't even touch the water heater; he just asked me some questions; took some pictures and made very sure that I understood that he would not be responsible for the disicions of the outcome. Sort of like he "knew" that they had a reputation of not abiding by their promises. I received an email answer saying that they did not cover the "Water tank". I called several plumbing & home warranty companys & they all agree that a hot water heater includes the tank!
I am tying to find out how I can get out of the contract & get re-imburssed some part of the money. Ironically the technician they sent over told me that he could replace the waterheater w/o the home warranty for a fee! I have photos but dont know how to include them.