HOME SERVICE PLAN AGREEMENT
Please read this Plan Agreement carefully as it explains what your Plan covers and our obligations, how to file a Service Request, and your rights and obligations. Please note that unless an item, system, or unit (including parts and components) of a Covered Item is specified in the Plan Summary as covered, and as further described in this Plan Agreement, it is not covered. Please refer to the exclusions, restrictions, and limitations in this Plan Agreement for more detail.

• YOUR COVERAGE INFORMATION = Service Fee $125
• COVERED APPLIANCES = ALL MAJOR HOME INTERIOR APPLIANCES.
• COVERED ELECTRICAL = ALL HOME INTERIOR EXISTING OPERATION.
• COVERED PLUMBING = ALL HOME INTERIOR EXISTING OPERATION.
• COVERED INTERIOR = ALL HOME INTERIOR COVERINGS ONLY INVOLVING A MAJOR DISASTER.
• ALL WILL DETERMINE WHICH PACKAGE HAS BEEN PURCHASED.

1. What do capitalized and certain other words and phrases mean in this Plan Agreement?
   Certain capitalized words and phrases, and other terms used in this Plan Agreement are defined in the Definitions Appendix located at the end of this Plan Agreement. Please see the Definitions Appendix for those definitions.
2. What Coverage is Provided by this Plan Agreement?                                                                                                 Coverage under this Plan Agreement is available when a covered Item located at the Covered Home experiences a Covered Breakdown during the Plan Agreement Term, subject to the Initial Coverage Waiting Period and any applicable limits and exclusions listed in this Plan Agreement. Unless otherwise stated in this Plan Agreement, the Covered Breakdown must occur during the Plan Agreement Term and after the Initial Coverage Waiting Period. To the extent you may have non-covered costs associated with your Service Request, you will be required to pay those costs directly to the Service Contractor.
3. What qualifies as a Covered Home?                                                                                                                                         The Covered Home is the real property located at the Covered Home Address of the Covered Home Type, each as identified in the Plan Summary, provided the principal building structure is used as a single-family residential home (including any fully enclosed detached garage) and:(a) is 10,000 square feet or less (including any basement square footage); (b) is primarily used for residential purposes; and (c) includes other structures located on the property, such as guest houses (up to 750 square feet) and multiple residential units, if identified in the Plan Summary. If the principal building structure contains multiple residential units, each of which is used as a single-family residence, the Covered Home Address in the Plan Summary must identify
   the specific unit(s) covered for the unit(s) to be a Covered Home and is subject to a total maximum of 10,000 square feet.  Town home, condominiums, and mobile homes must be 5,000 square feet or less.
4. What are Covered Breakdowns?                                                                                                                                    During the Plan Agreement Term, Covered Breakdowns are Breakdowns that occur due to the following Covered Causes:
   (a) Normal Wear and Tear;
   (b) Improper Installation or Repair (other than Mismatched HVAC Systems) that were not known or reasonably
   detectable by you;
   (c) Insufficient Maintenance;
   (d) Rust, Corrosion, or Sediment; or
   (e) Mismatched HVAC Systems that were existing in or on your Covered Home prior to the start date of the Plan
   Agreement Term.
5. What are your Covered Items?                                                                                                                                                 Covered Items are listed in your Plan Summary and are more specifically identified and described below. The coverage provided by this Plan Agreement is subject to certain limitations and exclusions, including the Covered Item Limit, Special Limits, the Initial Coverage Waiting Period, the Plan Agreement Aggregate Limit, and any applicable general limitation or exclusion. Please note that unless an item, system, or unit (including components and parts) of a Covered Item is specified in the Plan Summary as covered by this Plan Agreement, it is not covered. The items identified in the “What is Not Covered” section is not a fully exhaustive list of non-covered items, systems, or units (including components and parts) under your Plan Agreement, and general limitations and exclusions may still apply. Subject to the applicable limits and exclusions identified in this Plan
   Agreement, if you have multiples of a specific Covered Item, each individual Covered Item is covered and is subject to its own Covered Item Limit.         

• A. EXISTING PRODUCT                                                                                                                                                             If the Plan Summary identifies any of the following Systems as a Covered Item, the coverage listed below applies. Please note we will only provide coverage for access to a Covered Item through one layer of unobstructed drywall and return such access opening to a Rough Finish. If the Covered Item can only be accessed through a concrete (including cinder block) wall, floor, or ceiling, we will provide coverage for access to the Covered Item and return such access opening to a Rough Finish, including any rerouting, up to $1,000. This $1,000 limit supersedes and replaces any Covered Item Limit listed below.   
• HEATING & AIR CONDITIONING SYSTEM COVERED ITEMS = (AIR) All parts and components of permanently installed air conditioning systems up to a 5-ton capacity, including the condensation line, of the following types: Ducted central and electric split and package units, geothermal, evaporative coolers, wall air conditioners; and mini-splits.  (HEAT) All parts and components of permanently installed heating systems up to a 5 ton capacity of the following types: forced air (gas, electric, and oil), geothermal, wall-mounted heaters; floor furnaces, package units; heat pumps; mini-splits, hot water or steam circulating heat, and electric base board.                           (DUCT WORK) Leaks or breaks in duct work connected to heating and/or air conditioning system(s)
  including leaks or breaks in vapor barriers, plenums, dampers, damper-only controls, registers, and
  grills.
• WHAT IS NOT COVERED? (AIR)(HEAT)(DUCT) SYSTEMS OVER TEN YEARS OF AGE WILL NOT BE COVERED UNLESS CONTRACT HAS BEEN SIGNED FOR TEN YEARS.  (AIR) (i) All parts and components of geothermal systems located outside or under the Covered Home’s main foundation; (ii) fuel storage tanks; (iii) window or portable air conditioning units; (iv) water towers and chiller systems; and (v)humidifiers; dehumidifiers; ultraviolet lights; home purification systems. NOT COVERED IF SYSTEMS ARE PHYSICAL ABUSED OR NEVER MAINTAINED. (LIMITS)  1. The Covered Item Limit is $5,000. However, the Covered Item Limit for the following types of Heating Systems is $1,500: glycol, hot water, or steam circulating heating system, any water heater which supplies heated water to such system(s), geothermal and/or water source heat pumps. 2. When repairing or replacing a Heating System, if such repair or replacement requires component or part upgrades to maintain compatibility and/or compliance with SEER (Seasonal Energy Efficiency Ratio), HSPF (Heating Seasonal Performance Factor), or refrigerant standards, we will cover such upgrades and will also cover necessary associated upgrades to duct connections, plenums and indoor electrical lines up to and including the disconnect.
• Electrical home system coverage? = Outlets + Light Switches + Ceiling Fans + Built in Exaust Fan + Basic Door Bell Hard Wired + Electrical Components: Hard Wire Lines, Breaker Panel.  All Electrical must not work during contract terms for repair or replacement.  
• Electrical home systems not covered? =  Any doorbell that is part of an intercom, video monitoring, or security
  system. (i) Audio, video, computer, intercom, alarm, or security wiring or cable; (ii) Meter boxes; (iii) Lighting Fixtures; (iv) Direct current (D.C.) wiring or components and/or low voltage systems; (v) Any type of home generator (including back-up and portable or installed generators) and associated electrical wiring and switches; and (vi) Electrical panel boxes that solely provide electrical power to items or structures located outside the main foundation of the Covered Home.  OUTLETS THAT ARE SHOWING BLACK COPPER SHORTED HARD WIRES: WILL DETERMINE CONTRACT AGE, ACCORDING TO WHEN PURCHASED INSURANCE WITH OUR COMPANY.  
• Plumbing Home Systems? = Water Heater Units = All parts and components of the water heater unit including the tank, circulating pumps, mixing valves and thermal expansion tanks. Water heaters must be located inside home or garage.  Toilets = All parts and components operating toilet systems. Shower Heads = All parts and components. (LEAKS) will be determined according to contract signing date.
• (NO COVERAGE) Tempering tanks (holding and storage tanks); or fuel storage tanks. Toilet Seat and Lid; Toilet Tank Lid. (i) Any steam component of the shower head or shower; and (ii) Shower towers. Jetted tub, jets, and lines connecting jets to the jet pump. (i) Location of existing access cleanouts; installation of clean-outs; and/ or any stoppage that can only be accessed through an inaccessible location, such as roof vents and stoppages that can only be accessed by pulling the toilet; (ii) Stoppages caused by collapsed, damaged or broken drain, vent or sewer lines outside the Covered Home; and (iii) Stoppages due to roots, lines broken or infiltrated by roots, or otherwise stopped by roots, even if within the Covered Home. (i) Bathtubs; sinks; bidets; shower enclosures and base pans; (ii) Caulking/grouting; (iii) Septic tanks; water softener/ filtration/purification systems; water-holding/storage tanks; saunas/ steam rooms; (iv) Flow restrictions in fresh water lines; and (v) Fire suppression or interior sprinkler systems; radon systems. (POOL AND SPA EQUIPMENT) = NO COVERAGE/ i) Underground components (including pipes and wiring); lights; liners; structural defects; jets; ornamental fountains, waterfalls and their pumping systems; (ii) Heat pump pool heaters or any other type of pool heater that is powered by anything other than electricity or gas; (iii) Pool cover and related equipment; fill line and fill valves; built-in or detachable cleaning equipment including pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers; (iv) Fuel storage tanks; disposable filtration mediums; saltwater generators and components; heat pump; and (v) Self-contained portable spas.
• GARAGE DOOR OPERATING SYSTEM = All parts and components of the electrically powered garage door opener; extension and torsion springs. (NO COVERAGE) = Any other part of the garage door system, including garage doors and garage door track assemblies (including the rollers, tracks, and guides).
• B. MAJOR HOME APPLIANCES = ONLY FREE STANDING AND CABINET BUILT-IN APPLIANCES WILL BE COVERED. DEPENDING ON WARRANTY OR INSURANCE PURCHASED WITH OUR COMPANY WILL DETERMINE COST COVERAGE.
• COVERED APPLIANCES = WASHERS, DRYERS, DISHWASHERS, GARBAGE DISPOSERS, BUILT-IN MICROWAVES, BUILT-IN KITCHEN EXHAUST FANS, RANGES, OVENS, COOK TOPS, REFRIGERATORS, FREE STANDING ICE MAKERS BUILT-IN TO CABINET ONLY.
• NOT COVERED = Accessories, such as stands and drawers. Warming drawer not incorporated into the range or oven unit. (i) Freestanding freezers; (ii) Freestanding miniature refrigerators; and (iii) Specialty Refrigerators: bar refrigerators, wine-chillers, kegerators, and drawer refrigerators. NONE MAINTENANCE APPLIANCES.

   6. Are Modifications, permits, testings, and inspections covered by this Plan Agreement? A. This Plan Agreement does not cover Modifications related to a Covered Breakdown of a Covered Item unless Applicable Law expressly requires this Plan Agreement to provide coverage for the specific Covered Item Modification. B. This Plan Agreement does not cover the costs associated with any permits, tests, the correction of existing code violations, or inspections that may be necessary to complete the approved repair or replacement of the Covered Item even if required by Applicable Law. C. If your Plan is ShieldPlatinum, this Plan Agreement will provide coverage up to the Modifications Limit for any of the following: (i) duct, plenum, electrical, and/or plumbing Modifications that are necessary to complete the repair or replacement of the Covered Item provided that the duct, plenum, electrical, or plumbing item to which the Modification is being performed is identified by this Plan Agreement as a Covered Item; and (ii) permits, testing, the correction of existing code violations, and/or inspections required by Applicable Law that may be necessary to complete the approved repair or replacement of a Covered Item. The Modifications Limit is $250 and is in addition to any applicable Covered Item Limit, subject to this Plan Agreement’s Aggregate Limit of Liability. Once the Modifications Limit has been met, the provisions in this section apply to any costs above the Modifications Limit. 7. What are the general limitations and exclusions that apply to your coverage? To the extent the following general limitations and exclusions apply, this Plan Agreement does not provide coverage for the following: A. Costs of Construction and Modifications Limitation. Unless otherwise expressly stated in this Plan Agreement, we will not pay for the costs of construction, carpentry, restoration, or any other Modification(s) within the Covered Home. In addition, this Plan Agreement does not provide any coverage for any Modification to any item that is not identified as a Covered Item in the Plan Summary. B. Commercial Use Limitation. Other than a Covered Home rented for residential use, if you use any portion of your Covered Home for commercial purposes in which the public is invited on or into your Covered Home, any Covered Items located or Covered Breakdowns that occur in that portion of your Covered Home are not covered. Also, if commercial use of your Covered Home causes a Covered Item to experience a Covered Breakdown (even if located in a portion of the Covered Home not used for commercial purposes), the Covered Breakdown is not covered. C. Shared Items and Systems Limitation. If the Covered Home is identified as a multi-residential building on your Plan Summary, shared systems, items, and appliances are not covered unless: (i) all units in the multi-residential property are identified as part of the Covered Home as stated in the Plan Summary; or (ii) each unit is covered by its own home service plan agreement with us which provides the same coverage for the shared system, item, or appliance as this Plan Agreement. D. Inaccessible Location Limitation. We will not cover  to access Covered Items in inaccessible locations, such as those that cannot be accessed safely or due to an obstruction. E. Non-Standard Equipment Limitation. We will not cover the cost or otherwise provide for cranes, scaffolding, or nonindustry-standard vehicles or equipment that is required to repair or replace a Covered Item or Covered Item part. F. Secondary Costs Limitation. Other than the repair or replacement of the Covered Item, we are not responsible for, and will not pay or otherwise reimburse you for special, secondary, incidental, indirect, consequential, exemplary, or other related costs or damages resulting from the Breakdown or Covered Breakdown of any Covered Item, including but not limited to food spoilage, loss of income, utility bills, additional living expenses, or personal and/or real property damage. G. Service Limitation. We are not responsible for and will not pay or otherwise reimburse you for special, secondary, incidental, indirect, consequential, exemplary, or other related damages resulting from any delay or neglect, whether due to our or the Service Contractor’s delay or neglect in providing, or failing to provide, repair or replacement of such Covered Item, including, but not limited to, food spoilage, loss of income, utility bills, additional living expenses, or personal and/or real property damage. H. Cosmetic Damage Exclusion. We will not repair cosmetic defects or damage to Covered Items that does not also cause a Covered Breakdown. I. Primary Function Limitation. We will not repair or replace any feature of a Covered Item that does not contribute to the Primary Function of the Covered Item. J. Improper Capacity Exclusion. If the Breakdown of your Covered Item occurs because it is the wrong size for your Covered Home based on manufacturer and/or industry standards, the Breakdown is not covered. K. Misuse or Accidental Acts Exclusion. Breakdowns that occur due to abuse, misuse, hacking, or vandalism, including, but not limited to, the removal of parts or missing parts from the Covered Item, and physical damage caused by people, pests, or pets, are not covered. L. Acts Beyond Our Control Exclusion. Breakdowns that occur, delays in service, or the failure to provide service, that are caused by the following are not covered: environmental events, such as lightning, mud, earthquake, storms, wind, ice, fire, freezing, and flood; soil movement; soil settlement; water damage; war; terrorism; civil unrest; electrical failure or surge; excessive or inadequate water pressure; government restrictions or shutdowns; labor shortages, labor or factory stoppages, or strike; supply chain disruptions; public health emergencies including pandemics and epidemics; or other conditions beyond our reasonable control. M. Known Pre-existing Breakdown Exclusion. Other than Mismatched HVAC Systems, Breakdowns that existed prior to the start date of this Plan Agreement, or in the case of a Covered Item a Breakdown that existed prior to the installation of the Covered Item in your Covered Home, that were either known by you or were reasonably detectable by you are not covered. N. Flues, Chimneys, Fireplaces, and Exhaust Line Exclusion. Flues, venting, vents (including dryer vents), chimneys, fireplaces or exhaust lines that are connected to a Covered Item are not covered by this Plan Agreement, even if a Modification to such item(s) is required by Applicable Law. O. Special System Exclusion. Radon mitigation systems; gas, smoke, or leak detection or monitoring systems; and fire sprinkler systems are not covered. P. Power and Fuel Source Exclusion. The underlying sources of power generation (including electrical and alternative energy sources, such as solar power systems, and those components necessary to convert or otherwise utilize alternative energy (including solar power) in the Covered Home or fuel or associated fuel storage tanks for a Covered Item, or items that are designed to be powered by alternative energy sources, are not covered. Q. Other Insurance or Warranty Exclusion. Covered Breakdowns that are otherwise covered by a manufacturer, distributor, builder, or any other third-party warranty or extended warranty or insurance are not covered. R. Manufacturer or Government Recall Exclusion. Any Covered Item that has been determined to be defective by any government entity or for which a manufacturer or distributor has issued a warning, service bulletin, recall, or otherwise determined the Covered Item is defective is not covered until such defect has been remedied by the manufacturer or distributor. S. Hazardous Materials Exclusion. Unless otherwise expressly stated in this Plan Agreement, any repair or replacement costs that involve, remediate, or are related to hazardous or toxic materials, waste, mold, mildew, bio-organic growth, rot, fungus, or similar conditions are not covered. T. Routine Maintenance Exclusion. Requests for the performance of routine maintenance by us of your Covered Items is not covered unless the failure to perform routine maintenance has caused a Covered Breakdown. Routine maintenance includes but is not limited to the replacement of filters in your HVAC system, replacing water filters in your refrigerator’s water dispenser, or replacing burnt out or flickering light bulbs. U. Smart Home System and Item Feature Exclusion. Electronic, computerized, wireless internet, or similar equipment or features, including management and/or automation systems, that are not necessary to operate the Covered Item are not covered. V. Multi-Media Center Exclusion. Multi-media centers, or multi-media centers incorporated into a Covered Item, are not covered. W. Outdoor Kitchens Exclusion. Outdoor kitchens and associated items are not covered by this Plan Agreement.
8. What do you need to do to get service? A. To help us better serve you, please be prepared to provide information about the Covered Item, such as a description of what’s wrong, and any information you have about the Covered Item such as the brand, model number, serial number, location and age. We may request that you provide this information to us via interactive video or other digital means. Make sure to review this Plan Agreement to understand your rights and obligations, and how service will be provided. B. Pay your Service Fee. The amount of your Service Fee is stated in the Plan Summary. You will be required to pay your Service Fee prior to any service being initiated with respect to a Service Request under your Plan. C. Schedule Your Service Appointment. Once you have paid your Service Fee, we will initiate the process to diagnose the Breakdown of your Covered Item by contacting a Service Contractor within forty-eight (48) hours to schedule the diagnosis appointment under normal circumstances. The diagnosis may occur via an interactive video session with a Service Contractor or us, or we may send a Service Contractor onsite to the Covered Home. The diagnosis appointment will be scheduled at a mutually convenient time during normal weekday business hours (Monday – Friday, 9:00AM – 6:00 PM). You agree to make yourself reasonably available during normal business hours for services under this Plan Agreement to be provided. If you request an appointment with a Service Contractor outside of normal business hours, on a holiday, or on an expedited basis and the Service Contractor can accommodate such request, you will be responsible for the payment of any additional fees that the Service Contractor may charge for the appointment occurring outside of normal business hours or on an expedited basis. If you use a service contractor or other repair person not authorized by us with our prior express written approval, we will not provide any reimbursement for any costs you may incur relating to the use of such service contractor or repair person, regardless if it pertains to a Covered Breakdown of a Covered Item. D. Coverage Decision. We will review the diagnosis when we receive the necessary information from the Service Contractor. If we determine that a Covered Breakdown has occurred, we will authorize a Service Contractor to proceed with the repair or replacement as provided in this Plan Agreement. Some repairs or replacements may require multiple appointments with the Service Contractor, which will be scheduled at a mutually convenient time during normal business hours. Please review “What are your obligations under this Plan Agreement” with respect to any Covered Breakdown.
9. Service provided? A. General Information. Subject to the terms and conditions of this Plan Agreement, we will repair the parts and components of any Covered Items that are part of the Covered Home, if a Covered Breakdown occurs on or after the Initial Plan Agreement Effective Date stated in your Plan Summary and while this Plan Agreement is in effect (including any renewal term(s)) up to the applicable Covered Item Limit. If we cannot repair, or elect not to repair in our sole discretion, the Covered Item, we will provide you with a replacement up to the Covered Item Limit, subject to our right to provide you with a Cash-in-Lieu Payment as described in this Plan Agreement. Unless otherwise expressly stated in this Plan Agreement, the repair or replacement of the Covered Item for a Covered Breakdown includes the steps necessary for, and costs (including labor) associated with: (i) accessing the Covered Item; (ii) diagnosis of the Breakdown; (iii) repair or replacement of the Covered Item, and (iv) installation of a repair or replacement part, component or item. If a Covered Breakdown has occurred, we will decide to repair or replace the Covered Item based on the information provided to us by the Service Contractor. We will only authorize repairs and replacements of Covered Items that can be made in accordance with Applicable Law. Please note that we are not a service contractor, and do not perform repairs. Instead, we utilize a network of independent Service Contractors to perform repairs or replacements. B. Type of Repair or Replacement. When repairing or replacing your Covered Item, we will use reasonable efforts to install Covered Items (or any parts or components thereof) of similar capacity, dimensions, capability, color, and finish at reasonable cost. In addition, we reserve the right to: (i) use rebuilt parts; (ii) determine which and how many repairs are necessary; (iii) determine when and if a replacement is necessary instead of a repair; and (iv) use an alternative refrigerant which has been approved by the Environmental Protection Agency (“EPA”) for use in your Covered Item, when the refrigerant in your Covered Item is no longer readily available in the Covered Home’s geographic location. Please note, if a repair or replacement is needed, there is no guarantee nor are we under any obligation to provide a replacement part, component, or item that is of the same brand, make, color, finish, or model of your Covered Item. C. Removal of Covered Item. When we repair or replace a Covered Item, we will use reasonable efforts to dismantle and remove the Covered Item and, where applicable, recapture, reclaim, and/or dispose of refrigerant. The services provided by this subsection are included and not in addition to any applicable Covered Item Limit or Special Limit. D. Time to Complete a Repair or Replacement. Our ability to diagnose, repair or replace your Covered Item may be impacted by events outside of our control, such as supply chain shortages impacting parts or item availability, labor shortages, and extreme weather events that create an increased demand for certain repair and replacement services. Because of these outside factors, we cannot guarantee that your Service Request will be completed within a certain period of time. E. Repair or Replacement Workmanship Guarantee. Repairs and replacements performed on a Covered Item have a thirty (30) day workmanship guarantee, in addition to any applicable manufacturer’s warranty that may be included with any replacement parts or equipment. If a particular repair or replacement under your Service Request fails within thirty (30) days after completion, we will send a Service Contractor to correct the Covered Breakdown and you will not be charged an additional Service Fee. We will determine, in our sole discretion, whether to use the same Service Contractor who performed the original repair or replacement. F. Costs that may not be Covered by this Agreement. There may be items or services that are not covered by this Agreement but are necessary for the repair or replacement of the Covered Item (for example, special permits or Modifications). In this situation(s), you will be responsible for the costs of repairing or replacing the non-covered items and services. Your failure to agree to pay the costs of the non-covered items and services may result in a delay or otherwise prevent the repair or replacement of your Covered Item. We are not responsible for any delays, or additional costs you may incur, from your refusal to pay for non-covered items or services. G. Requesting a Second Opinion of a Breakdown Diagnosing. If you have been informed that your Service Request includes a Breakdown that is not a Covered Breakdown, you have the right to request a second opinion within seven (7) days from the date you were informed of the coverage decision. You will be required to pay an additional Service Fee at the time you request the second opinion. If an alternative Service Contractor is reasonably available, we will assign an alternative Service Contractor to provide the second opinion. In addition, we reserve the right to request a second opinion at our cost. Upon receipt of the second opinion, we will determine, in accordance with this Plan Agreement, whether a Covered Breakdown has occurred, and if so, whether to repair or replace the Covered Item. If you requested the second opinion and we determine that the second opinion is different from the original diagnosis and the Breakdown is a Covered Breakdown, we will refund you the amount of the additional Service Fee. H. Circumstances Where you may Receive a Cash-in-Lieu Payment Instead of a Repair or Replacement. If the Covered Item has experienced a Covered Breakdown, you may be offered Cash-in-Lieu Payment. If you agree to our offer, your Cash-inLieu Payment will be the amount we would have paid to repair or replace your Covered Item (including but not limited any special discount pricing or rates, shipping, restocking charges or other fees or costs to complete your request), which means the amount will likely be less than the retail cost in your area to repair or replace the Covered Item. In addition, there are certain situations where we may require you to accept a Cash-in-Lieu Payment instead of proceeding with a repair or replacement. These situations include, but are not limited to the following: i. Applicable Law prevents us from performing a repair or replacement of the Covered Item; ii. A breach of the “Be Respectful” section of this Plan Agreement; iii. Repair or replacement of the Covered Item is not reasonably feasible; or iv. The repair or replacement will exceed an applicable Covered Item Limit. In these circumstances, your Cash-in-Lieu payment will be the amount equal to our reasonable estimate of retail cost in your area to repair or replace the Covered Item, subject to any applicable limit identified in this Plan Agreement. Your Cash-in-Lieu Payment cannot be more than the applicable Covered Item Limit stated in this Plan Agreement. We will pay you no later than 30 days after we provide you with notice that you will receive Cash-in-Lieu Payment. We may issue, and you agree to accept, the Cash-in-Lieu Payment via electronic funds transfer, e-cards or check, at our discretion. We will not provide future coverage for the impacted Covered Item until you give us documentation reasonably acceptable to us proving that you had the Covered Item appropriately repaired or replaced. WHEN OUR COMPANY OR CONTRACTED COMPANIES ARE IN YOUR HOME. IF CAMERAS ARE BEING FILMED OR PHOTOS ARE BEING TAKEN OF PERSONAL. YOU ARE OBLIGATED TO LET PERSONAL KNOW BEFORE FILMING OR PHOTOS ARE PERFORMED. 

1. EXTENDED WARRANTY INSURANCE POLICY.  = WHEN TERM IS 1 YEAR IN TIME: IF COVERAGE HOLDER MEMBER DOES NOT EXTEND FOR ANOTHER YEAR. THAT MEMBER FORFEITS ANY FUNDS THAT THEY HAVE AVAILABLE TO OUR COMPANY. THAT MEMBER DOES NOT HAVE TO PURCHASE THE SAME PACKAGE FIRST PURCHASED TO CONTINUE.
2. IF PAYMENTS ARE DESIRED FOR PURCHASES= THERE ARE NO REFUNDS ONCE WARRANTY INSURANCE  PACKAGE HAS BEEN PURCHASED.  YOU DO HAVE THE RIGHT TO CONTINUE USING THE SERVICES AS PER AGREEMENT ACCORDING TO COVERAGE. 
3. THE BEST RESULTS USING THIS WARRANTY INSURANCE WOULD BE TO PURCHASE PACKAGE #1 AND JOIN PRIOR YEAR TO ASSURE GOOD QUALITY. IF ANY FUNDS ARE AVAILABLE THEY CAN ALSO BE USED FOR REPAIRS WITH REPLACEMENT DECISIONS ACCORDING TO PACKAGE SERVICES.
   
4. ONCE CONTRACTORS AGREE TO TERMS WITH AUTHORIZATION FOR PAYMENT. THEY ARE OBLIGATED TO COMPLETE JOB. IF CUSTOMER NEEDS EXPEDITED SERVICES THAT AGREEMENT WOULD BE BETWEEN THE HOME OWNER AND CONTRACTOR. IF CONTRACTOR DOES NOT COMPLETE JOB AGREEMENT THAT COMPANY OR PERSONAL, WILL BE SERVED FOR FURTHER NOTICES WITH ALSO PAYING LAWYER FEES AND CUSTOMER LOSS.
   
5.  THANK YOU FOR YOUR CONSIDERATION OF LOYALTY WITH PURCHASING SERVICES AND ALLOWING OUR COMPANY RELATIONS TO MAKE SURE YOUR HOME IS GOING TO BE IN GOOD HANDS.