4 Welcome

5 Terms and Definitions

6 Policy Details
7 Service Call Fees
Contents 11
12
Getting Service
Systems Coverage Summary
16 Limits of Liability
17 Homeowner’s Guide

Residential Warranty Services / Simple Warranty 3

 “The Simple Warranty from RWS allows us to cover
nearly every mechanical component in the home with
fewer exclusions than ANY other policy. Between
the high level of coverage and best service in the
industry, we hope to make you a client for life.”
Nathan Thornberr y
Owner, Residential Warranty Services

Welcome.
Y our home warranty covers mechanical malfunctions for the
items described, and lasts for one year from the date of
purchase. Renewal of the policy is recommended and will be
garage door springs, washers, dryers, well pumps, sewage pumps,
and water softeners. We include all of these components, as
well as HVAC, electrical, plumbing, and kitchen appliances.
offered prior to the expiration of the policy. We even cover alarm systems. Our goal is your complete and
total satisfaction and to create a customer for life. We’re your
The simple warranty by Residential Warranty Services partner in home ownership, and we take our responsibility of
represents the broadest coverage available in the market today- protecting your home (and your pocketbook) seriously.
with coverage for every potential failure covered by competing
products and then some. In fact, if you are ever denied coverage That’s why we include, free of charge, our Termite Protection
for a claim that can be verified eligible by any other policy- we Plan with every single simple policy we deliver.
will either cover it or give you 100% of your premiums back.
It’s that simple. We can be reached at 1-800-544-8156. Make sure to tell the
operator you are a Simple Warranty policyholder for priority
The simple warranty goes beyond the coverage offered by other service.
providers. Most policies simply exclude drain line stoppage,

The Simple Warranty is a policy offered by Residential Warranty Services, Inc.

Residential Warranty Services / Simple Warranty 4

Terms and Definitions
Here are some important terms to know,
and the definitions you see here are how
they are used throughout the policy;

Terms Claim Types Defined

Aggregate Limit of Liability Emergency Claim
Any cap on coverage for a system or systems as A furnace or heating system condition resulting in Don’t worry:
specified by the policy. The cap would consist of no heat when outdoor temperatures reported are Your emergency
any and all claims made in a single policy year. less than 55 °F, a sump pump malfunction when claims are
Any and all limitations specified reset upon the a risk of water intrusion via the sump pit exists, or handled 24/7!
renewal of the policy. an active pressurized water leak where the active See page 8 for
leak cannot be temporarily resolved by a valve.
details.
Claim
Any time a covered failure is reported to RWS by Non-Emergency Claim
the Policyholder. Any claim type not specifically listed in the
classification of “emergency” or “urgent” claims
Non-claim defined.
Any time an incident outside of coverage is
reported to RWS by the Policyholder. Urgent Claim
No hot water, no water or a plumbing leak that
Policyholder requires the main water valve to be shut off to
The person or persons to whom the benefit of the prevent damage, refrigerator not cooling, air It’s Simple:
Warranty from RWS is owed. conditioning system not cooling. You have the
freedom to
RWS choose your own
Acronym used to describe Residential Warranty contractor.
Services, Inc., your home warranty provider. See page 11 for
details.
Service Call Fee
Similar to a “deductible” or “Co-pay” you might be
acquainted with already for other risk management
products, the Service Call Fee is a fee incurred by
the Policyholder each time a claim is made and for
each mechanical malfunction repaired under the
policy terms.

Policy Terms
This policy covers all items as described and excludes all others.

Call RWS at 1-800-544-8156, and report your covered issue along with the make of the covered item.
The service call fee will be due to the servicing contractor upon arrival. RWS has the right to select
the service contractor, but the type of contractor to be dispatched is ultimately up to the Policyholder.

To report a claim, contact Residential Warranty Services / 1-800-544-8156

Residential Warranty Services / Simple Warranty Terms and Definitions 5

Policy Details Including Listing Coverage terms and the
short list of aggregate limits of liability.

Listing Coverage without instituting the listing coverage. RWS will

Aggregate limit
(Seller’s Coverage) even provide marketing material you can provide
to prospective buyers. for the policy is
Listing coverage is for the seller of a property listed
$25,000. See chart
with a multiple listing system member only. The
Unilateral Contract below for system
coverage is the same as that of the buyer’s coverage,
This service contract is a policy of adhesion, limitations.
with two exceptions;
unilaterally presented by RWS to the policyholder.
1. Listing coverage does not cover pre-existing Payment or acceptance of coverage indicates
conditions or defects discovered by a property acceptance of the terms and conditions.
inspector.
Additional Coverage Limits Offered
2. The aggregate limit of liability is $500.00. Consequential Damages- up to $50 per claim,
$150 aggregate.
Listing coverage is free for up to 180 days. Upon While nearly every other home warranty policy on
expiration of 180 days, coverage under the warranty the market today excludes consequential damages-
for the seller of the property is void. However, the we have you covered! So when a pipe leaks, a wire
warranty will be reactivated upon transfer of title sparks, an oven burns, or a refrigerator spoils…
to the buyer, and the policy premium shall be paid make sure to submit your claim for reimbursement
for at closing. under our RWS exclusive Consequential Damages
coverage.
Failure to pay for the policy at closing will result
in reasonable attorney’s fees to be added to the Access Fees- up to $50 per claim, $200
total due that is incurred by RWS in collecting aggregate.
the warranty premiums from the seller. In other Home warranties generally exclude normal costs
words, in consideration of coverage provided associated with gaining access to home mechanical
during the listing period, the seller agrees to systems that are behind drywall, beneath concrete,
purchase a policy from RWS for the subject policy or otherwise not readily accessible. RWS will
for the buyers at closing. If you don’t plan on automatically pay up to $50 towards that costs on
providing the warranty to the buyers at the time of any covered claim
closing, you have the option to offer the warranty

Aggregate Limit of Liability

The aggregate limit of liability for the buyer of water softeners and water heaters. Roof Leak Repair $500.00
the property for each of the home’s systems is Roof leak repair work, composition shin-
as follows (all totals are the gross repair costs); Appliances $5,000.00 gles, flashing.
Refrigerators, dishwashers, ovens, stoves,
HVAC $10,000.00 built-in microwaves, garbage disposals, Water Heater(s) $1000.00
Furnaces, air conditioners, heat pumps, range hoods, trash compactors, washers, Water heater repair work & replacement
ductwork, and all other HVAC compo- and dryers. (covers the replacement cost of most
nents. water heaters).
Well Pump $500.00
Electrical $5,000.00 Well pumps, pressure tanks, all plumbing Water Softener $500.00
Main panels, sub panels, branch wiring, ex- and electrical components running to and Standard residential water softening unit,
haust fans, and all other electrical system from well pumps and pressure tanks. components and plumbing to and from the
components. unit.
Sewage Pump $500.00
Plumbing $5,000.00 Sewage pumps, pit alarms, covers, all The aggregate limit of liability for the sim-
Supply lines, drain lines, and all other plumbing and electrical components relat- ple warranty policy is $25,000.00. This to-
plumbing system components with the ing to the sewage pump(s). tal includes the gross invoices for all claims
exception of well pump, sewage pumps, made during a single policy year.

*See systems coverage summary for complete terms and conditions.

Residential Warranty Services / Simple Warranty Policy Details 6

Service Calls Making a claim with the Simple Warranty is easy.
Read the guidelines below to find out how!

Service Call Fee will field your call and ask you to provide contact
The Service Call Fee for the Simple Warranty numbers, an email address, and a description of
by RWS is $150.00. The service call fee is the the problem. If the claim is not covered under the
payment the Policyholder must make to the warranty policy, we will inform you so that you do
servicing contractor on each and every claim in not have to pay a service call fee for a non-claim.
A service call fee
accordance with this policy. RWS is responsible If the claim appears to fall under the warranty
for the cost of approved repairs beyond the service applies for each
coverage provided, then the claims processor will
call fee, subject to the limitations of liability. A forward your claim to a contractor, who will then repair or the actual
service call fee is the maximum fee a Policyholder call you to schedule an appointment time. RWS cost to repair,
should expect to pay on a covered claim- NOT the will make every reasonable effort to get a service whichever is less.
minimum. contractor dispatched within 24 business hours of
contacting RWS. Urgent claims will be processed
A service call fee applies to each mechanical ahead of non-emergency claims.
breakdown, for each distinct malfunction. At
times, multiple malfunctions may be discovered
Emergency claims will be handled 24-hours a day
in the same component. A service call fee would
for Policyholders. Just call 1-800-544-8156 and
apply for each repair or the actual cost to repair,
follow the simple instructions provided.
whichever is less.
Overtime fees
Non-Claims
Nearly every home warranty policy charges
In the event of a “non-claim,” whereby a contractor
is requested and the mechanical malfunction is overtime fees. Not RWS- when you truly need
either not covered by the policy or is not related service after hours for your Emergency claim, you
to the contractor’s trade, the trip charge from the pay the exact same amount as you would any other
contractor will be payable by the Policyholder. time.
RWS claims representatives are well-trained and
will do everything within their power to ensure In other words, there are no overtime fees assessed
the right contractor is dispatched the first time. by RWS for Emergency claims. If you choose to
However, the ultimate determination of whether have a Non-emergency or Urgent claim addressed
to request service and by what type of contractor outside of normal business hours, additional fees
is up to the Policyholder. may apply as assessed by the contractor.

Making a Claim Mandatory Additional Coverages

All claim types can be made during normal While most policies require the purchase of
business hours, from 8:00 AM to 5:00 PM, EDT, coverage for multiple furnaces, water heaters, and
by calling 1-800-544-8156. A claims processor other components- the Simple Warranty by RWS

To make a claim, call

1-800-544-8156
during normal business hours:
8:00 AM to 5:00PM EDT

Residential Warranty Services / Simple Warranty Service Call Fees 7

covers these additional components automatically. 1-800-544-8156.
No fees apply.
This policy covers only items as described and
This policy covers an unlimited number of: excludes all others. All repairs will be made/
offered in a manner determined by RWS. RWS
HVAC Systems shall have the sole option of determining in what Overtime Fees:
Water Heaters manner mechanical breakdowns will be corrected. There are no
Sump Pumps Policyholder has the option of taking a cash overtime fees
Sewage Pumps payment in lieu of repair on any claim, a decision assessed by RWS for
Well Pumps that must be made after diagnosis and approval
Kitchen Appliances Emergency Claims.
of the claim by RWS and before any repairs have See this page for
Garage Door Openers commenced and/or parts have been ordered on
Garage Door Springs further details.
their behalf.
It’s included in the policy. The only reason we There are no optional coverages with the Simple
wouldn’t cover these components under the terms Warranty by RWS. In other words, your policy
of this contract would be because the square
includes all components as listed in this policy
footage of the covered property had been reported
without paying any additional fees.
to us inaccurately. Please confirm your square
footage with us by calling 1-800-544-8156. It’s
not required by any means, and we do our best to The coverage in this policy applies only to items
ensure we receive accurate information for billing falling within the perimeter of the foundation of the
purposes at the time the warranty order is placed. home and attached garages with the exception of
air conditioning units and well pumps. This policy
Basis for Coverage only applies to homes on permanent foundations.
Each and every distinct breakdown of any part or Unlimited number of
Unless otherwise agreed to in writing, all
component of any covered mechanical system, as additional appliances
claims must be made between the date of policy
determined by an authorized contractor, constitutes are covered.
commencement at noon and the date of expiration
at midnight. This policy covers mechanical a distinct claim for which the Policyholder will be
breakdowns to covered items as specified herein. responsible for a service call fee or the actual cost,
The Policyholder is entitled to service beyond the whichever is lower. The service call fee is payable
date of the warranty’s expiration so long as the to the contractor at time of service unless otherwise
claim has been filed within the warranty period. specified by RWS.

The Policyholder may be offered a renewable Do Not Call a Contractor

policy in the form of a renewal notice in the Before You Call RWS.
month preceding the expiration of their policy. RWS will not be liable for any costs associated with
Policyholders who renew their existing home a contractor selected by the Policyholder without
warranty policy with RWS will receive a renewal prior authorization. Policyholder’s contractors
discount off of current rates. For more information contacted prior to making a claim with RWS and
regarding renewal of your policy, please call RWS at without prior authorization will not be considered

Renew your home

warranty policy
and receive a
discount off our
current rates.

Residential Warranty Services / Simple Warranty Coverage 8

for servicing any claim, nor will any bill be
reimbursed. RWS does not cover component Before you have
damaged by outside contractors. This includes work done, call
but is not limited to scheduled maintenance for
HVAC systems. Before you have work done, call RWS to find out
RWS to find out if it is covered. if it’s covered.

Contractor Availability
RWS will make every reasonable effort to get a
contractor dispatched within 8 hours of making
an emergency claim, within 24 hours in the case of
an urgent claim, and within 48 hours for all other
claims. During certain exceptional high volume
claim periods, these times may be exceeded. RWS
is not responsible for damage caused by delays in
service.

Should the trade of the contractor requested not

be the trade necessary to fix a covered issue, it will
be treated as a “non-claim.”

More on Getting Service After-Hours

Any claim, regardless of classification, may be
handled after normal business hours based on the
availability of RWS authorized contractors. For Single Service Call Fee per Claim
any claims not classified as Emergency claims, An RWS Exclusive!
RWS shall only be liable for the standard costs RWS is not a contractor. However, all RWS
of repair beyond the service call fee. Hence, network contractors are screened for mandatory
the Policyholder would be responsible for any qualifications, insurance, and references. Most
overtime charges imposed by the contractor. RWS contractors have served hundreds if not over
a thousand RWS claims. RWS does not guarantee
Emergency claims are handled per the terms the work of our network contractors, nor do we
of this policy and with no overtime charges. In insure them for liabilities they may incur in the
other words, RWS covers overtime charges for course of offering service. Should a Policyholder Call us at:
Emergency claims. or Policyholder’s property sustain any sort of 1-800-544-8156
damage resultant from the work of a contractor, for 24 hour claims
Return Service Calls the contractor should be notified immediately. service.
If the contractor does not adequately rectify the RWS does, however, have a single service call
mechanical issue reported by the Policyholder on fee per claim policy. Should a single mechanical Do not call a
the first visit, and a similar problem persists shortly malfunction result in the replacement of a contractor prior to
after a service call, please call RWS to inform them component (i.e. a gas valve, faucet, disposal, motor, approval.
of the unsatisfactory repair. If the problem is switch, relay, etc.), and that same component fails
related to inadequate repair, the contractor will at any time during the same policy year, it shall
come back out to commence further repairs at be fixed or replaced at no additional cost to the
no additional cost to the Policyholder when that Policyholder. The circumstances under which the
contractor is in the RWS network. component failed must be covered by the warranty
and RWS reserves the right to send the same
Right of the Policyholder contractor to the home if the problem persists
The contractor selected by RWS does not have during the same warranty period. Furthermore,
to be the contractor to perform the repair. After it is our policy that our contractors leave a copy of
diagnosis and before any repair actions have the invoice for work performed at the warranted
commenced, the Policyholder may request cash property for any repair. Each contractor has
in lieu of repair for that claim. RWS is not their own policy on how long they guarantee
responsible for the work of contractors outside of their workmanship and parts, which may extend
our network under our “single service call fee per beyond the term of your warranty with RWS. Call
claim” policy (see next section). the contractor for further details or inquire about
their guarantees at the time service is performed.

Residential Warranty Services / Simple Warranty Coverage 9

Second Opinions RWS shall reimburse the Policyholder up to $100
RWS reserves the right to a second opinion after per night a covered claim’s decision has not been
the diagnosis of a covered issue by an approved made.
RWS contractor, at the cost of RWS and at no
further cost to the Policyholder. In the event of an In the case of a Policyholder opting to utilize
“emergency” claim as defined by the policy, if the their own contractor, RWS reserves the right to
Policyholder incurs hotel fees as a result of RWS a second opinion after diagnosis and estimates, at
exercising the option to receive a second opinion the cost of RWS less the service call fee that applies
which takes more than 24 hours to complete, to that claim.

Residential Warranty Services / Simple Warranty Coverage 10

Getting Service
Getting the contractor you want is simple with RWS.
Just follow these 3 easy steps to make a claim and
choose your contractor.

Call Your Own Contractor Option

While most warranty companies will only permit you to utilize the contractor of their choosing, RWS allows our Simple Warranty
clients the option to utilize the contractor of their choosing. The process for using your own contractor is as follows;

Step 1
Call RWS at 1-800-544-8156 to report your covered
issue along with the make of the covered item and let
the operator know that you would like to contact a
contractor of your own choosing.

Step 2
Call any contractor you would like, but make sure to
let them know that you are working with RWS and that
all repairs must be approved prior to commencing. In
other words, the contractor needs to deliver to RWS a
detailed diagnosis including;
a. The cause of the malfunction.
b. What components need repair or replacement
and for what reason.
c. A detailed estimate including: RWS
i. Itemized parts list and corresponding prices Exclu
sive!
ii. The total number of hours the job will take and
the hourly rate being charged.
Have a contractor
Step 3 you trust already?
No problem! With
Call RWS with the diagnosis and estimate prior to the Simple Warranty
proceeding with the repair(s). Upon approval, RWS you have the option
will issue a P.O. number for the repairs listed and the to choose your
amount quoted. The contractor will receive billing own contractor!
instructions from the RWS representative.

Important!

RWS has the right to request multiple has the option to request additional toward the service call fee in any of the
estimates or diagnosis at its discretion, estimates and to even consult with their following situations;
which may include contacting a own contractor where pricing exceeds
contractor of RWS’ choosing and/ RWS’ acceptable levels. a.) The contractor’s estimate was
or a RWS representative. RWS is not not approved due to exceeding
responsible for damages caused by When a claim is approved and accepted RWS’ acceptable charges.
contractors outside of the RWS network. by RWS to utilize your own contractor,
Policyholder assumes all responsibility RWS will automatically deduct the b.) The contractor’s diagnosis is in
for the actions of their own contractor. service call fee from the amount of error or fraudulent.
that approved claim. You will pay
Why would RWS approve a claim the contractor directly that amount. c.) If another contractor completes
but request a second estimate? Many contractors offer free diagnosis/ the work required.
RWS handles literally tens of thousands estimates, and RWS would suggest when
of home warranty claims, and while you utilize your own contractor that you Required Notification
pricing on some service calls are fairly request this level of service from the RWS is not responsible for or otherwise
consistent in some areas, other service contractor. If the contractor charges a liable for repair bills without prior
calls have large disparity in pricing. RWS fee for a diagnosis, it will not be credited authorization.

Residential Warranty Services / Simple Warranty Getting Service 11

Systems Coverage Summary
RWS
CENTRAL HEATING SYSTEM CENTRAL AIR CONDITIONING SYSTEM Exclu
Covered: This policy covers heating units Covered: Electric central air conditioning unit sive!
including forced air systems and heat pumps, heat or heat pump, including compressors, coils,
exchangers, secondary heat exchangers, burners, motors, belts, pulleys, and related components “Also Covered”
elements, furnace mounted humidifiers, electronic attached to air conditioning units, leaking Take a look at the
air cleaners, baseboard electric heating systems, refrigerant lines, thermostats, cleaning of “Also Covered”
thermostats, accessible interior gas lines, accessible condensate drain lines, float assembly, window sections, these are
ductwork, permanently mounted wall units, units, condenser casings, filters. (See Central
items specifically
inaccessible ductwork (Policyholder must pay to Heating System for terms on other unit types and
gain access), flues & vents, registers, grills, clocks. zone systems) excluded by other
Geothermal, oil, steam, water, wood burning, warranty companies
coal, radiant heat and solar systems are covered Example of Items/ Conditions that are Not that we cover as a
with a $1500 aggregate limitation. Zone dampers Covered: Gas fired air conditioners, lithium/ part of the Simple
and zone control systems are covered with a $500 glycol units, “burnt” refrigerant conditions (an Warranty.
aggregate limitation. indication of a lightning strike or electrical surge
causing damage to the unit), rooftop units, chillers
Example of Items/ Conditions that are Not and chiller components.
Covered: Furnaces using converted fuel type,
portable units, and any equipment typically Also Covered:
intended for use in commercial/non-residential Routine maintenance and cleaning (call our
applications, chimneys, chimney liners, crane office to schedule.)
charges, fuel lines & storage tanks. In-ground Coolant evacuation & recovery
geothermal components are not covered under Permit fees
this policy. Filters & filter media- just call with
specifications and we will deliver!
Also Covered: Condensate line clearing/stoppages
Heat lamps No limitation on number of systems
Routine maintenance and cleaning (call our Condensate pumps
office to schedule.) Condensate lines
Coolant evacuation & recovery Interconnecting Freon lines
Permit fees
Filters & filter media (Just call with
specifications and we will deliver!)
PLUMBING
Condensate line clearing/stoppages Covered: Water pipes, waste pipes, gas pipes, vent
Cleaning and re-lighting of pilots pipes, faucets (builder standard for replacement),
No limitation on number of systems valves, sill cocks, assembly parts within the toilet
tank, shower and tub valves (builder standard for
replacement), diverter valve, angle stops, risers
and gate valves, drain valve, hose bibs, vent and
sewer lines, normal stoppages, toilet seats & lids, Caulking and
whirlpool tub mechanical components, pressure grouting, instant
regulating devices, sewage pumps, sump pumps, hot water systems,
well pumps, basket strainers, water softeners, and pressure
water filters & purifiers, instant-hot water regulating devices
systems, bidets, plumbing within the perimeter are just a few of the
of the home, plumbing within the foundation or additional coverages
slab, caulking and grouting, freeze damage (the
for plumbing
warranted property must have had heat on at the
time of the occurrence), and shower heads. exclusive to the
Simple Warranty.
Example of Items/ Conditions that are Not
Covered: Any condition resulting from tree
roots, plumbing components outside of the
foundation or in unheated areas, bathtubs and
shower enclosures, sinks, toilet tanks, conditions
involving structural issues or settlement, holding
tanks, steam rooms and saunas, lawn sprinkler

Residential Warranty Services / Simple Warranty Systems Coverage Summary 12

systems, fire suppression systems, any loss arising WATER HEATERS
from mineral or chemical deposits, insufficient Covered: Water heater tank, elements, gas valves
capacity or water residue, damage caused by and lines, thermocouple, vent pipes & lines,
plumbing issues, pools, spas, and their respective insulation and insulation blankets, racks, straps,
equipment. This policy does not cover water hot water dispensers, flues, and thermal expansion
quality, softness, or purity issues. tanks.

Also Covered: Example of Items/ Conditions that are Not

Caulking and grouting Covered: Solar components, magnesium rod
Instant hot water systems failures, lime buildup, and noise without a related
Pressure regulating devices mechanical malfunction. Remember: There
Freeze damage (see terms) are no overtime fees
Jetted bathtub- including electrical Also covered assessed by RWS for
controls, plumbing lines, air pumps, Tankless water heating systems Emergency Claims.
pumps, and motors. Base pans See page 8 for
Sediment (when it can be removed by
details.
draining the unit)

Do not call a SUMP PUMPS

Covered: Standard AC groundwater sump
contractor prior
pumps, switches, receptacles, evacuation lines.
to approval.
Example of Items/ Conditions that are Not
Call 1-800-544-8156 Covered: Battery backup systems, pedestal
24 hours for claims service systems, lack of capacity, grinder pumps utilized
as sump pumps, and conditions caused by debris
in the pump.

Also covered (Up to $50 in consequential

damage per occurrence)
ELECTRICAL SYSTEMS
Covered: Main panels, sub-panels, breakers, Portable and non-hard piped unit that is
switches, receptacles, interior wiring, wiring to air permanently installed
conditioning unit, attic and exhaust fans, doorbell Backup units (except battery powered units)
wiring, telephone wiring, non-proprietary alarm RWS
system equipment, fixtures (builder grade for Exclu
sive!
replacement), carbon monoxide detectors, smoke GARAGE DOOR OPENERS
alarms, and timers. Covered: Garage door opener units of a standard
residential grade, including motor, receive board,
Example of Items/ Conditions that are Not relays, switches, drive trains, capacitors, push arm,
Covered: Loss arising out of power failure or track assembly, door hardware, remote sending
surge, conditions of overload or inadequate units, standard maintenance, infrared sensors,
capacity, intercom systems, DC components, chains, key pads.
meter boxes, electrical items located outside the Garage Door
perimeter of the home and attached garage, any Example of Items/ Conditions that are Not
Covered: Doors, frequency interference, damage Spring Coverage!
repairs necessary upline from the main panel.
caused by malfunctions. No longer an
additional charge;
Also covered
Also covered garage door spring
Load control devices
Touch pad assemblies Hinges coverage is included
Transmitters and remotes Springs (see Garage Door Spring section) exclusively for
Corrosion caused by moisture Simple warranty
Data lines (CAT 5) policy holders.
Central vacuum system main unit (does not GARAGE DOOR SPRING
cover lines & accessories) Covered: Garage door springs, when broken.
Belts, shutters, and filters for exhaust, attic, or
ceiling fans Example of Items/ Conditions that are Not
Covered: Damage caused to the door, cables,
lines, replacement of counter-balancing spring
(often recommended but not required)

Residential Warranty Services / Simple Warranty Systems Coverage Summary 13

Appliances
REFRIGERATOR MICROWAVE
Covered: Refrigerator or combination Covered: Built-in microwave, parts, and
refrigerator/freezer, icemaker, compressors, components including electric timer, transformer,
condensers, evaporators, fan motors, timers, magnetron tube, door latch, touch tone panel,
thermostats, wiring, racks, shelves, door seals, interior lining, clocks, and shelves.
door alarms, consequential food spoilage (see
aggregate limits). Example of Items/ Conditions that are Not
Covered: Glass, countertop units, rotisseries,
Example of Items / Conditions that are Not cooking accessories, removable trays, lights, panels
Covered: Televisions/media centers, walk-in and cabinetry, toaster units, units connected to a
units, structural components, beverage and ice wall oven.
dispensers, panels and cabinetry, drawers, external
Have older
thermostats. GARBAGE DISPOSAL
Covered: Built-in garbage disposal and all related appliances/systems
parts and components, including motor, wiring, that you want to
Also covered!
Disposal of old equipment blades, switches and casing. replace?
Light bulbs and fixtures
Drip pans Example of Items / Conditions that are Not Policy holder may
Springs Covered: Failure due to a clog, corrosion, or rust. request cash in lieu
of repair on
RANGE / OVEN EXHAUST FAN any claim.
Covered: Elements, burners, over range exhaust Covered: All parts and components of standard
fan, thermostat, wiring, igniters, clocks, rotisseries, size overhead exhaust fans, both recirculating and
racks, handles, knobs, interior lining, and other non.
related components and parts to a built-in range/
oven. Sensi-heat burners will be replaced with TRASH COMPACTOR
standard burners. Covered: Built-in trash compactor and
component parts, including motors, switches and
Example of Items/ Conditions that are Not relays, wiring, and tracks.
Covered: Self-cleaning mechanisms, meat probes.
Example of Items/ Conditions that are Not
DISHWASHER Covered: Lock and key assemblies, removable
Covered: Built-in dishwashing units and related buckets, door seals, knobs/handles/pedals, racks,
parts and equipment, including timers, motors, panel and cabinetry, automatic deodorizers, and
heating elements, hinges and latches, wash arms, loss due to corrosion/rust.
fill valves, spray arm, racks, baskets, and rollers.
WASHER & DRYER
Example of Items/ Conditions that are Covered: Clothes washer and dryer, related
Not Covered: Panels, cabinetry, effectiveness components including motors, pumps, timers,
of cleaning, valves clogged by sediment or lime wiring, relays and switches, belts, hoses,
buildup. thermostats, heating elements and burners, lint
screens, gas valve, and pulleys.

Example of Items/ Conditions that are Not

Covered: Soap dispensers, plastic tubs, filter RWS is dedicated
screens knobs, dials, venting, door seals, panels to protecting the
and cabinetry. simple things in
your home so you
can rest easy.

Residential Warranty Services / Simple Warranty Systems Coverage Summary 14

WELL PUMP DRAIN LINE STOPPAGE
Covered: Well pump, electrical and plumbing Covered: Stoppages accessible and clearable by
lines to and from the unit, pressure switch, motor, a sixty foot standard sewer cable. Home must
impellers, seals, controls, pressure tanks. have a clean-out installed. Roof vent entry is not
covered by this policy.
Example of Items/ Conditions that are Not
Covered: Well drilling, geothermal system Example of Items/ Conditions that are Not
pumps, booster pumps, hoisting or removal, Covered: Outside influences, such as roots,
redrilling of wells, well casings, failure due to excavation, modifications to sewer lines to make
water impurity, excavation or other charges them accessible. RWS
necessary to gain access to the pump, joint wells, Exclu
sive!
and tampering. TERMITE PROTECTION PLAN
Covered: Conventional chemical treatment in
SEWAGE PUMP the case of a new infestation.
Sometimes referred to as a “lift station”
Requirement: The home must have had a
Covered: Standard residential grade sewage clear termite report within the six month period
pump located within the perimeter of the home, preceding the start of the policy.
adjacent plumbing lines, and power supply.
Example of Items/ Conditions that are Not
Covered: Baiting systems, infestations resulting Termite Protection
Example of Items/ Conditions that are Not
from removal or non-maintenance of baiting Plan: included with
Covered: Conditions resulting from debris stuck
systems, damage caused by wood destroying a clear termite report
in pump.
insects, infestation in decks, fencing, or any other within the six month
area outside the perimeter of the foundation of the period preceding the
WATER SOFTENER
Covered: Standard residential water softening home and attached garage. start of the policy.
unit, components and plumbing to and from the
unit. OTHER COVERAGE
Also covered by this policy: Up to $400
Example of Items/ Conditions that are Not towards any mandatory code upgrade including
Covered: Softening effectiveness, system failure those related to changing refrigerant type in air
due to sediment or lime buildup, conditions of conditioning systems. This shall be applied to
insufficient or excessive water pressure, color or the aggregate limitation of the system that was
purity of the water, water purification systems, benefitted by the coverage.
reverse osmosis systems, salt replacement, rust
or corrosion, systems that do not run on electric Cancellation
power. RWS may cancel this contract without refund
to the Policyholder under any of the following
circumstances: (1) In the event of fraud or
misrepresentation by the Policyholder or any
related parties, (2) If the Policyholder fails to pay
the service call fee for any item serviced, and (3) If
the home is vacated.

ROOF LEAK REPAIR

Covered: Leaks only, to rolled roofing,
composition shingles, and flashing.

Example of Items/ Conditions that are Not

Covered: Water damage, leaks resulting from
wind and storm conditions (or any harsh weather
condition), missing shingles, routine periodic
maintenance, damage due to persons walking or
standing on roof, and gutters.

Residential Warranty Services / Simple Warranty Systems Coverage Summary 15

Limits of Liability
1. If a covered system repair or replacement involves an a copy of the invoice or work performed at the policyholder’s
upgrade for any reason, RWS will cover up to $400 towards the home for any repair. Each contractor has their own policy on
mandatory code upgrade including those related to changing how long they guarantee their workmanship and parts, which
refrigerant type in air conditioning systems. This shall be may extend beyond the term of your warranty with us. Please
applied to the aggregate limitation of the system that was call your contractor for details.
benefited by the coverage.
12. Solar systems, holding tanks, system management
2. RWS is not responsible for the cost to gain access or close controllers, and electronic equipment are not covered under
access to a covered item except where specified. this policy unless specified.

3. RWS reserves the right to a second opinion at no additional 13. Commercial equipment is not covered. Commercial-like
charge to the Policyholder unless the first contractor was chosen equipment and non-domestic equipment is limited to $500
by the Policyholder, in which case additional charges may apply. aggregate coverage for the policy term. Any premium, ultra-
premium, double-wall ovens, and combination ovens (i.e.
4. Coverage for all items encased in concrete is limited to $400 oven/microwave) have an aggregate coverage limit of $600.
aggregate.
14. RWS has the sole right of determining whether a
5. RWS does not cover items where environmental issues arise component shall be repaired or replaced. Replacement
such as lead, mold, or asbestos. RWS is not responsible for the components shall have similar capacity and features, however,
presence of lead, mold, asbestos or any other environmental RWS is not responsible for matching brand, colors, dimensions,
hazard or the removal of such hazard. or modifying cabinets or structure of any kind. Should the
Policyholder wish to replace a repairable item, at their election,
6. RWS does not cover consequential or secondary damage the Policyholder may choose to receive a cash payment or
caused by malfunctions of covered items except where specified. allowance in lieu of repair. In such cases, the cash payment
For example, if a covered plumbing issue results in damage shall be made in accordance with RWS negotiated service and
to drywall on the walls or ceiling of the house, RWS is not repair rates.
responsible for these secondary damages. RWS is not an insurer.
15. Policyholder is responsible for the difference in costs for
7. RWS does not pay for the costs of permits except where any refrigerants other than R-22, for blower motors other
specified. than standard AC motors, and for units and components in
excess of 5 tons capacity. Policyholder is responsible for the
8. RWS reserves the right to make a cash payment to a costs of access to components that are on rooftops or otherwise
Policyholder in lieu of repair/replacement. The cash payment elevated. RWS will not cover components travelling through
will reflect RWS negotiated cost for service and may be less community property.
than retail.
16. RWS will pay a maximum of $250 for induction fans on
9. RWS shall be responsible only for the costs of installation water heater and HVAC systems.
of a similar part in the case of an obsolete or unavailable part.
17. This policy does not apply to leased equipment and any
10. Repairs necessary as a result of any act of nature, misuse, and all other warranties shall be exhausted first. Coverage
abuse, lack of maintenance, wind, rain, tornado, fire, hurricane, applies only to real property, fixtures, and appurtenances.
riots, civil commotion, or any other outside influence, natural
or unnatural, are not covered under this policy. 18. Coverage may be voided if the correct square footage,
including finished and non-finished spaces, was not reported
11. Single Deductible Per Claim Policy: RWS is not the servicing to RWS and was not appropriately ordered.
contractor. All RWS contractors are screened for mandatory
qualifications, insurance, and references. Most RWS contractors 19. This policy is a service contract and not a reimbursement
have serviced hundreds of RWS claims for our policyholders. policy. You must call for service at 1-800-544-8156.
As a risk management company, we cannot guarantee the work
of our contractors, or take responsibility for liabilities they may 20. The aggregate limitation for Termite Treatment is $700.
incur through the course of work. We do, however, have a The aggregate limitation for drain line stoppage is $275. The
single deductible per claim policy. Should a single mechanical aggregate limitation for garage door spring coverage is $250.
malfunction result in the replacement of a component (i.e. a gas
valve, faucet, disposal, motor, switch, relay, etc.), and that same 21. RWS will pay a maximum of $1000 for pre-existing
component fails at any time during the same policy year, it will conditions that were not known to any party involved in
be fixed and/or replaced at no further cost to the policyholder. the transaction. As a part of the verification process, the
The circumstances under which it broke must be covered by the policyholder will be required to provide RWS with a copy of
warranty and we reserve the right to send the same contractor any home inspection reports and seller’s disclosure statements.
to your home if the problem reoccurs within the warranty
period. Furthermore, it is our policy that the contractor leave

Residential Warranty Services / Simple Warranty Limits of Liability 16