I bought my current house in dec-2014 and during the buying process I got the home owner's warranty which was paid by the escrow account ($550.00). This warranty should be good for an year and renewed afterwards. Last week the garbage disposal unit under the kitchen sink started leaking and it's getting worse. I tried to reach out to the company and they said your plan was never active because of non-payment. So I checked with the escrow company and they sent me the copy of the front and back of the check which kind of proves that it was cleared and the problem is in the company side.
My next step is to fax the copy of that check's front and back and get their accounting department to investigate. At this point, I am thinking about requesting a refund from them as the replacement of the garbage disposal unit would cost me around $150.00 (part+labor).
My question here is very generic in terms of any insurance when you paid for an insurance policy and know that you are covered. But when you try to send a claim find out your policy is not in effect because of the insurance company's fault. What's the best approach?
Adding some policy info as per the comments:
Coverage: Standard Seller/Buyer Plan Sellers Coverage included Washer/Dryer/Kitchen Refrig Trade Call Fee (every time you call for service/replacement) $60.00