Kristen W.
AFC excludes major parts to avoid paying out claims
The people who sold us our home purchased a home warranty with AFC Home Warranty for us. When our furnace began smelling like melting wax we had it inspected and were told that it needed to be replaced. AFC is refusing to replace it, saying that it doesn't cover heat exchangers. They claim that is a secondary issue. The heat exchanger is literally inside the furnace. The technician had to take the door off the furnace to get to it. There is no way you could operate the furnace without it. He called it the “center” and the “heart” of the furnace. This is their tactic for getting around having to replace the furnace. If you look at the terms and conditions it says they will replace both furnaces and air conditioners, but then under the exclusions they list all of the parts of furnaces and air conditioners to get around having to pay to repair or replace anything. AFC is not a business, it’s a scam!
Response from AFC Home WarrantyDec 18, 2025
Thank you for sharing your feedback. We understand how stressful it can be when a major system in your home fails. AFC Home Warranty uses the written terms and conditions of the membership to determine coverage for each claim. In this particular case, the service professional diagnosed a cracked heat exchanger, and that component is explicitly listed as a non-covered item in the agreement. Home warranty contracts commonly define covered and non-covered components, and the heat exchanger was excluded under the terms in effect when coverage began. We recognize that many HVAC manufacturers provide long manufacturer warranties on heat exchangers—often for many years—when the unit is properly installed and maintained through the factory warranty process. Those manufacturer warranties are separate from home warranty coverage and have their own requirements. Our intention is always to be transparent about what the membership covers. Coverage details, including inclusions and exclusions, are provided at enrollment and are available for review if any questions arise. If you would like us to take another look at the claim or have additional documentation to consider, our Customer Resolution team is available at [email protected] . Regards, AFC Home Warranty America’s First Choice Home Warranty



