Cinch Home Services

Then, I got this information in the mail seven business days after I had closed and had started living in my home and all of it was the outlining work from my policy, what was covered and how to go about a claim. It was unbelievable how easy everything was. It baffled me because if it's something that has to be done on my behalf, where it's to my benefit, it's always a headache. It's something where you have to sit on hold for eight hours. Then, if somebody picks up, hopefully, they'll be able to get your policy enacted before the end of the year in a certain way. That's just my luck and how everything with larger expenses go with me. It's a constant headache. But this was completely tended to and all done right away. It was remarkable. Also, I received a phone call stating that I was going to receive an information packet and all those other things. They walked through quickly what I could file a claim under.

I highly recommend Cinch to anybody who is considering it. Even if you buy a house and you're a little leery and you couldn't get it, the premium was only $400 and some change for the entire year. When we walk into it, especially the first-time homebuyer, it's a little bit of a daunting experience. But if something goes wrong, it's covered by Cinch. If my refrigerator blows out or if my stove blows up in the kitchen, it's covered. That's nice to know, especially after you drop $58,000 and you're reeling from that expense. All I got to do is come up with $100, which, I could probably beg for change or pick up loose change in the City of Milwaukee and probably find that in less than a day. I've gotten a lot of good night's sleep because of it.

One time, my husband had the plumbing service doing something here and the guy was saying he could get in there. I said that I have to call up the maintenance service. When I called, they said that the plumbing service was not on their list, but they’re sure they do good service. Whoever Cinch is sending out to your house, they know.

I have encountered some problems within the last couple of years since COVID though. Cinch has a hard time getting people to come to Forest now. We are out some of the ones who's on their list. I’m 42 miles from Jackson. It’s a little old town. So, sometimes, the contractors can't come. But I like that if Cinch can't get anybody to come out, they let the customer get someone. They just don’t say they can’t. All the contractor has got to do is turn in their description, what they did and how they did. They go through that process and how much it was, and I send it in and Cinch refunds me because you will have to pay the person, whatever they charge right then.

I know one business that it’s just certain things, but I was able to ask them would they come and do it. They have to go by these steps with this warranty and they understood it because they were familiar with this. I had to do my deductible but I got my refund. Cinch will stick with it and ask you if the person came, and you can call them back. The only part I don't like is that it’s hard to get to the right person. It's automated. I like to talk to people. I can do it and text and get online, but I don't like that. But as long as Cinch keeps doing what they are doing, I'm good.

I had an air conditioning company who was scamming and Cinch was waiting to approve of the tech's estimate. What they wanted to do was, they were claiming that the air handler in the attic was unlevel. Meanwhile, I had gotten a friend of mine, who went up to the attic and checked out the system and what was broken was the PVC that comes out of the air handler. Cinch immediately denied that man's claim. I haven't had any problems with them. I was being very honest about the whole scenario and they understood. Cinch is good and I have no problems with them. They're awesome. And it's kind of sad.

I heard of Cinch because a girlfriend of mine told me that I should get a maintenance contract. But when I came to Ohio, the Realtor told me that I could buy the maintenance agreement when I purchase the house. I didn't know that. There's a lot of different options. It's not just putting a maintenance agreement on your house. I have three different policies. Two rental houses and the house that I'm living in now.

I would recommend that everybody who buys a house should have this kind of contract. Even if you have an inspection and they do an overall inspection because you don't know what you're buying. When I did the overall inspection, the inspector didn't catch a problem on the house. The electrician caught it when he had to do a repair that the inspection found but there was another problem that nobody caught. You should have plan A, plan B, plan C. Because when you're buying a house, you don't know everything that is possibly wrong and it might not come up at the present time. It just happens that way. Other than, I really hope that more people see the importance in this. I didn't know about it for years.

I like Cinch for the most part. The only frustrating thing is, oftentimes, a company will charge you extra from what Cinch does. So, I pay $100 through Cinch. And the company will say, “Oh, we're gonna need 1,200 more dollars from you,” or, “We're gonna need 300 more dollars from you.” And that's frustrating. The positive stuff is that when I call the line, they seem to care and help and get people out there as soon as they can, which is nice. I've heard horror stories from other companies about other companies that would say they would fix stuff, but they would find one speck of rust, so they wouldn't. But Cinch has done a bunch of claims for me well, so I like that.

Trying to get under control the extra costs from companies would be nice. For instance, one company said they wanted to charge me $1,200 extra to install a furnace. So, I called Cinch and said, “I don't want them. Can you please give me somebody else?” And they did, which was nice. And that company was, “Wow. They are totally ripping you off. We'll only charge you 200 extra.” So, it's all these extra. It’s lame. But they work with me to help get that down.

One time though, we had a washer and dryer delivered. We were getting all new appliances. I needed to know if they covered the hardware that goes to the wall for the plumbing to the washer. The guy was afraid that he might break it. Luckily, that did not happen. But had it happened, I didn't know if it was covered or not. So when I called for a coverage question, everywhere I turned, I couldn't get to a person. It was like, “Credit card number for your deductible.” I was like, “I need to just ask a question.” Other than that, it was perfectly fine. The contractor that was in their group is a well-known contractor around here and they did a great job. They fixed the problem right away.

Also, my washer had to be replaced. Cinch gave us a cash option or replacing the washer but the washer they were gonna use to replace my washer wasn’t available. And that was an $1,100 washer and they gave me $650 in cash. We went and got our own washer, but had to pay for the other half because they didn’t have it in stock. There are pluses and minuses to Cinch but we keep it because we bought an older home and a lot of the appliances were older. In the long run, it would be worth it.