HomeServiceContract.org Should Be First Stop for New Homeowners

National Home Service Contract Association offers helpful tools allow consumers to select the most reputable providers of home service contracts.

(Lenexa, KS)  Contracts are only as dependable as the providers behind them. The members of the non-profit trade association, National Home Service Contract Association (NHSCA,) are the leaders and professionals in the home service contract industry trusted to serve millions of consumers each year.

NHSCA members are registered and are easily identified through a NHSCA Company Code number and use of the NHSCA logo. Links to individual websites may be found on the NHSCA website at www.homeservicecontract.org  These are providers who adhere to a code of ethics and actively work with state regulators to protect consumer interests.

In 2015, the state of New Jersey filed charges against Stanley Safe Club or Stanley Warranty alleging the company and its owner defrauded consumers in New Jersey and other states. The alleged violations include: conducting business under the name “Stanley Warranty” when the company sells residential and motor vehicle service contracts; advertising and representing that consumers can call the company’s claims department 24 hours a day and that the company has more than 90,000 service providers, when it does not; continuing to charge consumers after they cancelled service contracts; and failing to respond to consumer inquiries for several weeks, if at all.

In another 2015 case, Edison New Jersey based CHW Group, Inc., which does business as Choice Home Warranty, agreed to pay the State $779,913.93 in a lawsuit filed against them. The state alleged the company enticed consumers to buy so-called comprehensive coverage for crucial home systems and appliances and then denied their claims using alleged deceptive practices. As part of the settlement, the company also agreed to revise its business practices and retain a compliance monitor for at least a year.

Neither company is a member of the NHSCA.

“No matter what the industry, there will always be companies that operate beyond the law and fail to meet their obligations,” Art Chartrand, legal counsel for the NHSCA, said. “One of our primary missions is to educate and inform homeowners about home service contracts so that expectations can be met fairly. At the NHSCA, we work directly with state regulators and have a near constant presence in each state capital to protect consumers and provide fair and honest competition.”

The home service contract industry has a strong reputation and long history of serving consumers. As with any industry, not all companies grow and flourish. Selecting a NHSCA member company provides added security with the knowledge that your contract provider meets certain criteria that will help ensure they will be there when you need them. Using a non-NHSCA member is a risk consumers do not need to take. Consumers may locate NHSCA members operating in their state by visiting www.homeservicecontract.org/state-associations

The New Jersey Home Service Contract State Association was formed as a division of the National Home Service Contract Association and represents the premier and most respected providers of home service contracts in New Jersey. It provides news, information, education, regulation and legislation resource for the industry.

Here are a few items to consider when selecting your contract provider:

  • If the price or benefits sound too good to be true – you know it likely will be. Visit the NHSCA website and contact a member in your state to compare price and benefits.
  • Ask your local REALTOR®. Nobody is more familiar with or understands the industry better. They work with home service contract providers on a daily basis and can offer knowledgeable guidance.
  • If despite your best efforts, your provider disappears or fails to perform, contact a member of the NHSCA to replace your coverage. Competitive members operate in all states and are ready, willing and above all, able to offer you a service contract on your house.

Home service contracts are optional contracts that provide consumers with a single point of contact for most household appliances and systems. A call to an 800 number dispatches a screened,  licensed and qualified local contractor to your home. This eliminates having to shop-around or price compare at what could be a very stressful time. With one call, consumers receive the service, repair or replacement needed to keep their home running smoothly.

The National Home Service Contract Association (NHSCA) is a non-profit 501(c) (6) industry trade organization of member companies serving home service contract providers and consumer interests throughout the United States. To learn more about the NHSCA and to find answers to the most common questions regarding the purchase of home service contracts, visit www.homeservicecontract.org    or call 913-871-5600.

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Helpful tools allow consumers to select the most reputable providers of home service contracts.

(Lenexa, KS – July 14, 2015)  Contracts are only as dependable as the providers behind them. The 15 members of the non-profit trade association, National Home Service Contract Association (NHSCA,) are the leaders and professionals in the home service contract industry trusted to serve millions of consumers each year.

NHSCA members are registered and are easily identified through a NHSCA Company Code number and use of the NHSCA logo. Links to individual websites may be found on the NHSCA website at www.homeservicecontract.org/contact-nhsca-members. These are providers who adhere to a code of ethics and actively work with state regulators to protect consumer interests.

In the last few weeks the state of New Jersey filed charges against Stanley Safe Club or Stanley Warranty alleging the company and its owner defrauded consumers in New Jersey and other states. The alleged violations include: conducting business under the name “Stanley Warranty” when the company sells residential and motor vehicle service contracts; advertising and representing that consumers can call the company’s claims department 24 hours a day and that the company has more than 90,000 service providers, when it does not; continuing to charge consumers after they cancelled service contracts; and failing to respond to consumer inquiries for several weeks, if at all.

In another case, Edison New Jersey based CHW Group, Inc., which does business as Choice Home Warranty, agreed last month to pay the State $779,913.93 in a lawsuit filed against them. The state alleged the company enticed consumers to buy so-called comprehensive coverage for crucial home systems and appliances and then denied their claims using alleged deceptive practices. As part of the settlement, the company also agreed to revise its business practices and retain a compliance monitor for at least a year.

Neither company is a member of the NHSCA.

“No matter what the industry, there will always be companies that operate beyond the law and fail to meet their obligations,” Art Chartrand, legal counsel for the NHSCA, said. “One of our primary missions is to educate and inform homeowners about home service contracts so that expectations can be met fairly. At the NHSCA, we work directly with state regulators and have a near constant presence in each state capital to protect consumers and provide fair and honest competition.”

The home service contract industry has a strong reputation and long history of serving consumers. As with any industry, not all companies grow and flourish. Selecting a NHSCA member company provides added security with the knowledge that your contract provider meets certain criteria that will help ensure they will be there when you need them. Using a non-NHSCA member is a risk consumers do not need to take. Consumers may locate NHSCA members operating in their state by visiting www.homeservicecontract.org/state-associations

The New Jersey Home Service Contract State Association was formed as a division of the National Home Service Contract Association and represents the premier and most respected providers of home service contracts in New Jersey. It provides news, information, education, regulation and legislation resource for the industry.

In 2013, consumers contracted with members of the NHSCA received over one billion dollars in benefits. Members include: 2-10 Home Buyers Warranty, American Home Shield Corporation, Fidelity National Home Warranty Company, First American Home Buyers Protection, HMS/National Cross Country Home Services, Inc., Home Security of America, Inc., Home Warranty of America, Inc., HomeGuard Home Warranty, Inc., Landmark Home Warranty, National Home Guaranteed Inc., Nations Home Warranty, Old Republic Home Protection Co. Inc., OneGuard Home Warranties, The Warranty Group and Universal Home Protection.

Here are a few items to consider when selecting your contract provider:

  • If the price or benefits sound too good to be true – you know it likely will be. Visit the NHSCA website and contact a member in your state to compare price and benefits.
  • Ask your local REALTOR®. Nobody is more familiar with or understands the industry better. They work with home service contract providers on a daily basis and can offer knowledgeable guidance.
  • If despite your best efforts, your provider disappears or fails to perform, contact a member of the NHSCA to replace your coverage. Competitive members operate in all states and are ready, willing and above all, able to offer you a service contract on your house.

Home service contracts are optional contracts that provide consumers with a single point of contact for most household appliances and systems. A call to an 800 number dispatches a screened, licensed and qualified local contractor to your home. This eliminates having to shop-around or price compare at what could be a very stressful time. With one call, consumers receive the service, repair or replacement needed to keep their home running smoothly.

To learn more about the NHSCA and to find answers to the most common questions regarding the purchase of home service contracts, visit www.homeservicecontract.org

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About the NHSCA The National Home Service Contract Association (NHSCA) is a non-profit 501(c) (6) industry trade organization of member companies serving home service contract providers and consumer interests throughout the United States.

 

 

 

NHSCA Sits Down with Kevin O’Connor of This Old House

 

National TV Personality Provides Great Tips to Maintain a Happy and Healthy Home

KANSAS CITY, Mo.—Kevin O’Connor, host of This Old House on PBS recently sat down with the Kansas City chapter of the National Home Service Contract Association to discuss tips for homeowners.

Nominated for an “Outstanding Service Show Host” Emmy Award in his debut season, Kevin O’Connor has been appearing as host of the Emmy Award-winning series, This Old House, and the Emmy-nominated series, Ask This Old House, since 2003. He also serves on the editorial board of This Old House magazine, published by This Old House Ventures, Inc. Along with Amy Matthews, Kevin is also the host of This New House, which premiered on the DIY Network in the summer of 2010.

A home service contract/warranty is a contract for service, repair or replacement. It has features and benefits that clearly differentiate it from builder’s and product warranties and insurance. Prompt attention, qualified service providers and peace of mind, and protection from unexpected, and often-expensive repair bills, are primary benefits of home service contracts.

The National Home Service Contract Association (NHSCA) is a non-profit 501(c) (6) industry trade organization of member companies serving home service contract providers and consumer interests throughout the United States. For more great industry and consumer information, visit  http://www.homeservicecontract.org or call 913-871-5600.

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Interview with NHSCA Executive Director & Counsel, Art Chartrand

HomeWarrantyWiz.com published this interview in 2011 on consumer resources to home warranty consumers

 

Click to read the original and full  Home Warranty Wiz – NHSCA interview article. The following is an excerpt.

Home warranty is a service that is known by many different names. As an industry the generally preferred terminology for services that assist home owners with the costs and hassles of certain household repair and replacement needs is “home service contract”. But depending on the part of the U.S. a home owner resides in, there may be other commonly used names such as residential service contract and of course, home warranty. The National Home Service Contract Association is made up of some of the U.S. companies that are leaders in delivering home service contracts to home owners. This is distinct from the industry that works with home builders on new home construction warranty programs that cover builder issues and home structure.

The industry that offers home service contracts to owners of existing homes includes many well-known companies such as First American Home Buyers Protection, American Home Shield, and Old Republic Home Protection. This is the industry which the NHSCA and Art Chartrand work to represent and promote best practices within. I spoke with Art about a number of key areas that the NHSCA is lending its energy to in the United States. What I learned is that home warranty customers have a lot to look forward to as the NHSCA improves its ability to communicate with consumers. The home service contract industry also seems likely to benefit from the work that the NHSCA is involved in and ultimately it may see fewer fly-by-night home warranty companies as a result of the access that the organization is giving consumers to information about reputable home warranty companies.

My first questions for Art were about the mission of the NHSCA, something that is described in good detail on their website, www.homeservicecontract.org. First and foremost I was interested in the work that the NHSCA is involved with in the U.S. Capital and state capitals. Legislative relations are important to all industries but Art keyed me in one some reasons why it’s especially important to industries around the consumer space generally referred to as “warranties”. Based on what Art shared with me it seems that federal and state legislators often confuse or associate unduly the home service contract industry or its products with other products such as retail, new product extended service agreements and for automobiles service plans. For this reason the NHSCA spends a lot of time talking with states’ law makers about the home service contract industry to foster a better understanding of the services its member companies provide to home owners. Laws that are intended to protect consumers can sometimes cast too wide a net and wind up snaring services or affecting industries that by definition should not be included. In this respect NHSCA efforts to engage legislators at both the national and state level are a benefit to consumers and the home service contract industry alike.

Interacting with legislators is one part of the work that the NHSCA is committed to but there are also efforts to assist consumers in a more direct way that interested me greatly. I asked Art to tell me about some of the things that the NHSCA is doing to help home service contract customers as well as those who may be considering purchasing this type of service agreement.

As a trade organization the NHSCA does not become involved in resolving disputes between consumers and its member companies. But the NHSCA does seek to be the trade group for the home service contract industry and thus strives to be helpful to consumers as well as the companies providing home service contracts. Consumers who contact the NHSCA for advice can expect to receive the best information available since the NHSCA itself is made up of some of the most prominent companies providing home service contracts in the United States. Member companies are held to high standards and though the NHSCA is not a regulatory body it does communicate with its member companies regarding industry trends, consumer concerns, concerns from lawmakers, and many other relevant topics that consumers may sometimes be interested in knowing more about. The NHSCA website is an excellent place for interested home owners to visit but according to Art, one of the best ways for home owners to get trustworthy feedback about a particular home service contract company is through a local real estate agent. Art spoke highly about the role that real estate professionals play in referring their clients to companies that they believe are trustworthy. Art had this to say about the licensed professionals who assist home sellers, buyers, and owners with such referrals.

“Agents know a great deal personally about how the home service contract companies they’ve referred their clients, have dealt with service calls. This knowledge is invaluable to home owners trying to decide whether or not to do business with a particular home service contract company.”

Art also told me that based on recent years’ statistics somewhere around 2/3 of the home service contracts sold in the U.S. are chosen during a real estate transaction. This would mean that a great number of consumers who choose a home warranty or are provided with one by a seller have the opportunity to consult a real estate professional prior to making the final purchase decision. It makes a lot of sense to put that to a real estate professional since they may have a great deal of first or second hand experience with how different home warranty companies handle service calls from their customers. The point of service is when a home warranty customer really learns how well a home warranty company handles repairs or replacements of covered items in the home. Though the NHSCA does not intervene directly in matters involving its members and customers who have complaints, the organization does seek to provide consumers with ways to report dissatisfaction with particular home warranty companies. In the coming months new features will be made available on the consumer-facing NHSCA website including a complaint and feedback area where visitors to the website can report problems and share their personal experiences. That information, Art told me, does not just hit a dead end but rather is shared with the companies that are named in the complaints. Though the home warranty industry has many reputable companies Art did point out that the less reputable ones will be discovered faster when consumers have the ability to share their stories with the NHSCA and have that information be reviewed alongside similar reports from other consumers. Policing the industry is not the job of the NHSCA but in Art’s explanations of the way the organization wants to engage and assist consumers I saw the potential for some cleaning up in the home warranty industry, specifically where fly-by-night companies are concerned. I asked Art what the NHSCA typically does with regard to reporting suspicious activities to state authorities and this is what he told me.

“We actively work with members, consumers and state regulators. We have contacts in every state with regulators and are constantly trying to educate them and their enforcement bureaus on any suspicious activity. Fortunately, we have had very little, but we need to be vigilant. We are a very regulated industry, so we also contact new companies directly and offer to guide them to proper regulatory compliance.”

Art added, “Real Estate agents are our best friends. They understand a solid home service contract industry is a win, win, win for everyone.”

The NHSCA is not a regulatory entity, nor is it a consumer advocacy group per-se, but the work that it does has the potential to make a positive impact in both of those arenas.

I asked Art to sum up what the NHSCA seeks to be for those it works for and his answer was a simple one, “Serving consumers and providers, one call at a time.”

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The National Home Service Contract Association (NHSCA) is a non-profit 501(c) (6) industry trade organization of member companies serving home service contract providers and consumer interests throughout the United States. For more great industry, media and consumer information, visit  http://www.homeservicecontract.org or call 913-871-5600.