The explanation for denying my claim was straight *** I dont care about a time frame (3-4 month) before I reported; it was covid and no one was coming in my house to clean a couch. I am very disappointed in the gimmick protection plan you are running, but I promise your company will never see another dollar from me. This company is making millions on service plans to deny them because of time to report during covid User's recommendation: Avoid the cost and fustration.