I purchased the protection with confidence that if anything goes wrong from an accident due to having kids and a pet it would be covered per warranty coverage. My dog got into some water from being outdoors and his water bowl. I called within the needed time frame to advise of watermarks I notice my dog left on the couch from rubbing his body on the sectional. I have a microfiber fabric which change tones of color when you rub it. I advise them that he sat on varies areas of the sectional after i have advised him to get off many times. I issued photos as requested and was advised that I am denied for general soiling and dirt etc...Also they do not do general cleaning in which I did not require I just wanted rhw spot he touch clean. I take very good care of my furniture and unsure of how you determine general soiling from a dark grey microfiber fabric? I am looking into filing a arbitration and litigation of my claim. I paid money for covered service and water is in fact a beverage and it was an accident. I wish I could post the picture of my furniture which they considered an accumulation. I have filed a BBB already and working towards the arbitration before the end of the week.