Within the 1 year of our home warranty contract, we made service/replacement requests on a dishwasher, a range/cook-top, and HVAC system. Our deductible for service calls in the contract is $50, but the warranty company charged $100 deductible for each issue. Only the dishwasher ticket was actually resolved via replacement cost, but after more than 3 months. Our oven is a high-priced one with a cook-top in which the burners are actually built into the cook-top and we have 2 non-functioning burners and a crack in the cook-top. Although our contract clearly states the word "cook-top" twice under the section of covered items, Cross Country (now Cinch) denied covering it claiming it falls under "structural components" even though what we need replaced is a mechanical/functional item. Additionally, the warranty company claimed they could not find someone in-network to come out and told us to find someone on our own. For our HVAC system, which stopped putting out cold air to the second floor, we were again told to find someone on our own to come to our house. When we finally found a company that would work with the warranty and 3rd party billing, the warranty company did not like the price they quoted for repairs. We were told again to find another service provider. The second company that came out submitted a list of items to the warranty company that would be included in the repair/replacement. When the warranty company sent us a description of items they would not cover, three items (pan/drain, accessible ductwork, and a float switch) were listed as items we need to pay for even though those items are specifically mentioned in the contract under items covered. They also charged an unnecessary attic access fee and permit fee that the service company did not and charged significantly more per item not covered than the service company did. We have been trying to get these issues resolved with various case managers with no resolution. Although items Cinch is supposed to cover by contract are not being covered, I was told that if a denial is submitted by the claims authorization department, there is nothing that can be done to reconsider or overturn it. Our only recourse at this point is to hire a contract lawyer and sue due to Cinch and Cross Country consistently charging more than our deductible stated in the contract and for their denial of claims when items in the contract to be covered were not. And surprisingly (sarcasm), nobody in customer service or case management has a phone number for the legal department. How convenient. Not only does the warranty company not cover what they are contractually obligated to, they also over-charge, and seem to have none of their own contractors available to service where I live. Why enter into a contract when you know you cannot provide service to an area? User's recommendation: Unless you like unresolved issues, paying more than you should, or banging your head against a wall, do not enter a contract with any subsidiary of Long and Foster home warranties.