I am sick of being jerked around by hms. They lied to me and said that I had sent a revised address form to them so my renewal form never arrived and by the time that I called them, they said that I had missed the deadline and was no longer covered. When I asked to see this document that they said that I sent and signed, they couldn't produce it because it didn't exsist! Our dishwasher overflowed. First $100 deductible visit, the plumber couldn't find anything wrong. The 2nd $100 deductible visit, the plumber moved the drainage line. The 3rd visit, the plumber lectured us not using a dishwasher cleansing fluid. The 4th claim and another $100 deductible, I insisted that a different plumber be used. This plumber showed us the drainage hole which had so much build up on it that the water couldn't drain fast enough. Also, he showed us that the drainage line was not positioned correctly and that is the "101" of plumbing for the dishwasher. Mind you, with $400 paid in deductibles, we could have had a new dishwasher installed and our wood floors in our kitchen were now destroyed. Now we are dealing with the lies from hms on our toilet. We have had 5 visits/$100 deductible each in the past 3 years because a toilet is not working properly. The last two plumbers said that the toilet needs to be replaced but hms said that it was not covered by the policy because in their records, they had that the toilet was "cracked." the plumbers never said that "cracked" crap to us so after many phone calls and being put on hold, a supervisor spoke with the plumbers and low-n-behold, the toilet was not cracked! The supervisor apologized, admitted the error (falsifying documents) and said that a plumber will be out in three days to replace. Surprise, surprise, a plumber never showed up. We called hms and they have no record of the conversation with the supervisor and the approval for the toilet replacement. The agent showed on her document that the toilet was cracked. The lies and run-around that hms is ridiculous!