Guardsman

I purchased a Guardsman Protection Plan under the impressionbased on the brochure and sales materials providedthat it would cover common fabric issues such as cuts, punctures, tears, and shredding. When my outdoor furniture began to fray and shred, I filed a claim expecting coverage.

Not only was my claim denied, but Guardsmans explanation lacked transparency and referenced vague policy language that I was never provided at the time of purchase.

The only document I received was a promotional brochure that strongly implied this type of damage would be covered.

When I asked for clarification, I received a canned response referencing exclusions under section 7 of a plan Ive never seen. No full policy document was offered upfront, and there was no effort to provide a clear explanation or a way to appeal the decision.

This feels like a bait-and-switch. Consumers deserve to know what theyre actually buyingnot be handed vague documents and then denied coverage for the very issues they were told would be protected.

I do not recommend purchasing a Guardsman protection plan unless you are provided the full legal policy up front and review every line of fine print. This experience has been frustrating, misleading, and a complete waste of time.Misleading Protection Plan and Poor Claim Handling

Ipurchased a Guardsman Protection Plan under the impressionbased on the brochure and sales materials providedthat it would cover common fabric issues such as cuts, punctures, tears, and shredding.

When my outdoor furniture began to fray and shred, I filed a claim expecting coverage.

Not only was my claim denied, but Guardsmans explanation lacked transparency and referenced vague policy language that I was never provided at the time of purchase. The only document I received was a promotional brochure that strongly implied this type of damage would be covered.

When I asked for clarification, I received a canned response referencing exclusions under section 7 of a plan Ive never seen. No full policy document was offered upfront, and there was no effort to provide a clear explanation or a way to appeal the decision.

This feels like a bait-and-switch.

Consumers deserve to know what theyre actually buyingnot be handed vague documents and then denied coverage for the very issues they were told would be protected.

I do not recommend purchasing a Guardsman protection plan unless you are provided the full legal policy up front and review every line of fine print. This experience has been frustrating, misleading, and a complete waste of time.

Spent thousands of dollars on furniture and added the Guardsman protection which Northeast Ohio Factory Direct claim will cover everything. Its an absolute waste of money as the item will clearly show as covered in the protection plan however Guardsman just send an email stating denied.

Save your money and do not purchase the Guardsman protection plan as its all based on the fact that you will never use it.

ALSO- Tell the salesman who is pushing to buy the "Guaranteed protection for stains, rips, tears, etc" that he is full of crap! Now that I have spent probably 4 hours collecting all the pics, files, follow up emails, I get to start over and find new furniture!

I purchased a genuine leather recliner love seat from Overstock -$ 3,400 + Overstock also sold me a protection plan from GUARDSMAN protection for FIVE years - I purchased the protection plan - 1 and 1/2 years later - the leather on the love seat began to peel - I notified them on/around Feb 14th that I first noticed the peal . They told me I was a couple days late" in reporting the damage so my protection was disapproved - I have been fighting with them to honor the FIVE YEAR protection plan and assumed protection would last 5 years - with no 10 day restriction between whan I actually noticed the tear and the day I called them I

5 year protection plan and didn''t know there was a limit to the day I spotted the peel and the date I reported it -

I purchased a washer from Wayfair on 10/16/2020 with a 3 year protection plan that should start AFTER the 1 year manufacturers warranty expires per Guardsman service contract terms and conditions (see attached).

Under Effective Date of Coverage of Guardsman protection plan it states; Coverage for a failure resulting from a mechanical or electrical breakdown, as referenced within the definition of failure above begins upon expiration of the shortest portion of the manufacturers original parts and /or labor warranty and continues for the remainder of your term..

I have also attached Hotpoints manufacturers warranty which shows Labor and Parts warranty 1-year entire appliance.

When I called to inquire about my warranty on Tuesday March 5th, a Representative stated that I only had a 2 year warranty and that I needed to send a copy of my invoice showing the purchase of a 3 year warranty. I sent an e-mail with a copy of my 3 year warranty invoice from Wayfair.

I then called back and spoke to a second representative that told me that my 3 year warranty from Guardsman included the 1 year manufacturers warranty plus 2 years protection plan which did not make sense considering that I paid for a 3 year plan with guardsman not a 2 year plan plus a manufacturers warranty. If that were the case that means Guardsman charged me for a 1 year manufacturers warranty which I already had through the manufacturer (Hotpoint).