T.O.
H.,
I have American Home Sheild and when my oven went they were great. When it was the air-conditioner, it was weeks! When it was the hot water heater that broke, I gave up and asked them to give me the cash amount they'd pay me for handling it.... which was hardly anything!
But I have to say that the annual fee I pay has been well worth the other costs they have covered. I think they're all a pain. At least now you know the red tape route with yours.