My heater broke down. Called HMS. a technician came and said the blower was blown out. Needed approval from HMS to carry on. HMS denied the claim on the basis that I had not been maintaining the heating unit as required. I protested but with no avail. I believed that I had been ripped off by H.M.S. The reason I carried insurance is in case of unforseen circunstances. I think they just looked for a reason to deny the claim. read full review »