I bought a sofa from Overstock.com and I decided to purchase a warranty from Guardsman since it seemed to be extensive. Three years later, I noticed that an area on my sofa has worn springs. So, I filed a claim, which was an extremely lengthy process. They don't take phone claims but I was told I could file a claim online. However, even with that, I had to mail in a form with my signature. About 2 weeks after I mailed the form, I received an email stating that my claim was being review and about 2 weeks after that I received a denial of my claim with inaccurate information. I submitted a claim indicating that the springs were bad on the left side of the sofa and the desciption in the denial email was on the right. Additionally, they denied the claim because they said flattened cushions are not covered. However, no one ever came out to inspect my sofa. This denial was based on a pictures that I was require to submit. Don't purchase from this company, because they are truly a rip-off!
After paying $300 for their furniture protection plan on a sofa, they refused to pay for either repair or replacement on damage that was listed in their brochure as coverageable. They slithered out of paying by claiming the damage was over 1 1/2" from the seam!..... Their list of exclusions is longer than the list of items they supposedly cover (though I'm not sure what that actually includes).
Guardsman Reviews
Our two dinning chairs were broken accidentally so I called
Guardsman and sent them pictures of broken chair. On March 7,
some one from Guardsman called me and asked the reason for broke
chairs. I said it don't know when it happened and exact reason.
Based on my this statement without listening or giving me chance,
representative told me that this is not accidental damage so your
claim is declined. I asked how to do know that this is not
accidental damage. Person told me that I have told him. I argued
with person that I told that I do not know the exact time and
reason. It might be my kids broken it. Person was not ready to
accept my any reason and was so rude and do not want talk to me.
I guess at last he hang up on me.I feel person was rude and
unprofessional.
I have spoken to manager also regarding this and
guardsman had assumed that this is not accidental damage and not
defect also. So my question to Guardsman as this is not
manufacturing defect then how chair has broken itself.Manager has
some funny reason to support claim for this logic. If chairs are
broken it should be covered , it does not matter who broke it ,
when it was broken. I do not have video camera at home to record
events how was chair broken , what time it was broken , who broke
it.
It is broke and Guardsman need to cover under accidently
warranty.
I bought a sofa from Overstock.com and I decided to purchase a warranty from Guardsman since it seemed to be extensive. Three years later, I noticed that an area on my sofa has worn springs. So, I filed a claim, which was an extremely lengthy process. They don't take phone claims but I was told I could file a claim online. However, even with that, I had to mail in a form with my signature. About 2 weeks after I mailed the form, I received an email stating that my claim was being review and about 2 weeks after that I received a denial of my claim with inaccurate information. I submitted a claim indicating that the springs were bad on the left side of the sofa and the desciption in the denial email was on the right. Additionally, they denied the claim because they said flattened cushions are not covered. However, no one ever came out to inspect my sofa. This denial was based on a pictures that I was require to submit. Don't purchase from this company, because they are truly a rip-off!
After paying $300 for their furniture protection plan on a sofa, they refused to pay for either repair or replacement on damage that was listed in their brochure as coverageable. They slithered out of paying by claiming the damage was over 1 1/2" from the seam!..... Their list of exclusions is longer than the list of items they supposedly cover (though I'm not sure what that actually includes).