HWA will take your money, but they will NOT pay your claim. My heater stopped working. Hwa told me to use a repairman near buy. That man died 2 years ago! I then received authorization to have a repair business look at my heater. Heating company said I must have a new furnace because the heat exchange part is broken. Hwa agreed to new furnace instilation. New furnace installed on Dec 10th. works great and I paid the installer $3917. Sent bill and proof of my payment to Hwa. I called Hwa 12 different times. 3 times I was told I will receive $2, 278.50 from Hwa. Then on January 31st they told me the new settlement amount is $640.!! They said the first amount I was told was a mistake (by 3 different people 3 different times). I have filed a complaint with the better business bureau recently. Hope that does some good. PLEASE: Do Not join Home Warranty of America. They do not pay claims.