In other words, bumps in HOA fees can cause a lot of pain. “Small increases in regular bills like rent, food, or gasoline, a decrease in wages or hours worked, or an unexpected emergency - the closing of a major employer or a natural disaster - could destabilize a large number of households,” the United Way noted in a 2020 follow-up report discussing the large numbers on the cusp of ALICE. Meanwhile, some 86,713 household, or 19%, were near the ALICE threshold, with earnings just above or below it. In a landmark 2018 study, the Aloha United Way determined that 42% of Hawaii households were living in poverty or “asset limited, income constrained, and employed,” or ALICE. And an increase in association fees, often imposed when the need for a major repair comes up, can push a middle-class family or retiree on a fixed income toward the edge. The study shows something painfully obvious to those fortunate enough to own a home in Hawaii: association fees these days can be almost as high as mortgages. A study by a home warranty firm found Hawaii’s home owner association fees are second highest in the nation, trailing only New York state. average of $286 and about $37 per month in West Virginia, the least expensive state. The average HOA fee in Hawaii statewide in 2021 was $762 a month, according to a study by Cinch Home Services, a national home warranty provider. Customer Engagement: We assess the determination of home warranty companies responding to consumer problems in our Complaint Resolution Program.Many of Hawaii’s high costs of living are painfully obvious, including the nation’s highest electricity rates, median single-family home prices that top $1 million on Oahu and milk prices that routinely exceed $6 a gallon.īut there’s another less talked about cost that has earned Hawaii an equally dubious distinction: according to a recent study, Hawaii homeowners’ association fees are among the nation’s highest – second only to New York.Uniqueness: We examine whether the company offers additional services, advantages, or coverage alternatives that set them apart from the competition.Transparency: We verify if the home warranty company is licensed within the appropriate industry and offer details on the CEOs, contractors, and several settled claims.Claims: We look at customer reviews and determine how satisfied they were with the claims filing procedure, settlement, and response times.The coverage includes systems, appliances, and additional offerings. Coverage: We compare the plans offered by different home warranty companies.The pricing includes monthly/annual premiums, deductibles, and customer discounts. Cost-effective: We compare the costs of home warranty plans and determine if those are cost-effective.We examine, compare, and analyze the companies on the following factors: MethodologyĪt, we are dedicated to providing in-depth home warranty reviews so you can choose the best home warranty company & make the most out of it. Lastly, it is headquartered at 4700 Exchange Ct Suite 300, Boca Raton, FL 33431, United States. and is currently under the leadership of CEO Steve Upshaw. It is a Cross Country Group company registered as Cinch Home Services, Inc. We recommend you read the sample contract thoroughly before purchasing the warranty.Ĭinch Home Services, formerly Cross Country Home Services, was founded in 1978 and later acquired TotalProtect Home Warranty, HMS National, and Fixed Repair. NOTE: There may be other exclusions and limitations to your CHS contract. Cinch accepts a maximum liability of $2000 per item for kitchen appliance repair. Each home system or appliance has a coverage gap, and repairs and replacements will be paid up to that amount.įor heating systems, the dollar payout limit is $1500, and for ACs, it is $1000. Removal of hazardous material or asbestos.Īpart from that, Cinch has a limit on the aggregate claims liability, which is $10,000.Conditions of excessive water pressure.Remediation due to mold, mildew, fungus, bacteria, virus, wet & dry rot.Damage due to pet, pest, fire, flood, earthquake, acts of God.Lightning strikes, power failure, or surge.Damage caused by you by remodeling or any unauthorized repair.Flues, chimney, venting, and exhaust lines.Your Cinch Home Services warranty contract has exclusions. You can purchase the following items as an optional coverage at these extra prices: Homeowners Insurance Deductible Reimbursement.Take a look at this comprehensive list to understand Cinch Home Services’ coverage better:Īir Conditioner or Water Filter Credit Water Sensor +

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