Update to the review: AHS reviewed the case and has reimbursed me for the service call.
Bottom Line: No, I would not recommend this to a friend
3 people found it helpfulLink to this Review
Cracked toilet - went online to file a claim. They have you check boxes to get to the problem, and verify that it would be a covered claim. There was even a check box specifically for "cracked toilet". They charge $75 upfront for the service call.
Guy came out, took a photo, called back to American Home Shield, came back in and said not covered. Told me they won't cover it until it's leaking, and advised that I have it repaired right away because it's about to fail and will cause water damage. And AHS does not cover water damage to your property. AHS calls me, tells me the plumber said it doesn't need fixing (lie, he told me it's urgent to get fixed), and said they do not cover cracked toilets anyway. Even though there's a check box for cracked toilets.
If I was trying to concoct a tale of fraud, I couldn't do a better job than what actually played out with the fraudulent, immoral, and fake home warranty known as American Home Shield.