The evaporative coil (specifically covered by my policy) on my AC failed. In order to replace an evaporative coil, it is usual and necessary to effect modifications to the plenum, copper, and drains, in order to make everything fit back together again.

Old Republic has agreed to pay for replacement of the coil, rightly assessing me a $60 co-pay . . . BUT then insists I must pay $375 for the needed modification of the plenum, $150 for copper and drain adjustment, $75 for freon recovery, AND pay $150 to dispose of the evaporative coil (insult to injury!).

Folks, that's $810 out of my pocket to replace a covered part on a covered AC unit. Old Republic's Home Protection provides a policy worth just what you think it is.