LIFE HAPPENS - Protect your furniture

Protect your furniture

LIFE HAPPENS

Helping you Protect your

Investment in Home Furnishings

09-022837-01

5/18

PID 105559

WHAT IS NOT COVERED): We will not cover loss or damage caused by

the following: (a) Any stain, loss or damage not specically listed under

“WHAT IS COVERED” (no other stain, defect or damage will be covered

under this Agreement); (b) Product repairs that should be covered by the

manufacturer’s warranty or Seller’s Guarantee, or are a result of recall, re-

gardless of the manufacturer’s or Seller’s ability to pay for such repairs;

contract and/or any product sold used, damaged or “AS-IS”; (d) Periodic

checkups, preventive maintenance, lubrication and general cleaning as

directed by the manufacturer; (e) Parts or repairs due to normal wear and

tear; damage caused by You in the assembly of RTA (ready-to-assemble)

furniture; (f) Except as noted in “WHAT IS COVERED”, damage from acci-

dent, abuse, misuse, mishandling, introduction of foreign objects into, on

or about the covered product, modications or alterations to a covered

product; failure to follow the manufacturer’s instructions; external causes

of any kind, including without limitation, third party actions, re, theft,

insects, animals, exposure to weather conditions, extreme temperature,

windstorm, sand, dirt, hail, earthquake, ood, water. (g) Incidental, conse-

quential or secondary damages or delay in rendering service under this

Agreement, or loss of use during the period that the covered product is at

an authorized service center or otherwise awaiting parts; (h) Any product

used in a commercial setting or rental basis; (i) Failures that occur out-

side of the 50 contiguous states of the United States of America and the

District of Columbia; (j) Nonfunctional or aesthetic parts including but

not limited to plastic parts, knobs, rollers, baskets; accessories used in

conjunction with the covered product such as pillows; buttons; (k) Unau-

thorized repairs and/or parts; (l) Service where no problem can be found;

noises or squeaks; Any malfunction, damage or disrepair not occurring or

reported within the term of this agreement; (m) Damage to brass or other

plating, pictures, lamps or accessories; faux stone, granite and marble; (n)

Seam separation of any kind, including fraying, tearing or shredding of

fabric; decorative stitching; loss of foam resiliency in cushion cores, backs

and arms; (o) Compressed paper-board, paper veneered and paper lami-

nated surfaces; (p) Rattan, wicker and plastic furniture; Mattresses, box

springs and bunkies; and (q) Bodily injury; damage to personal property;

(r) Additional exclusions specic to Your Covered Product:

SPECIFIC TO MANUFACTURER DEFECTS: (a) Products not originally cov-

ered by a manufacturer’s warranty; (b) Natural grains and/or markings

on wood and/or leather, including but not limited to scars, insect bites,

brand marks, embossing, wrinkles; stress tears; split leathers used in seat

cushions, back cushions or top inside arm areas; suede, bued or nubuck

leathers; cracking, peeling or scaling of leather and vinyl; (c) Except as

noted in “WHAT IS COVERED”, Fabric; tears and wear-through, punctures,

scratches, dents, burns, dirt, or color-fading or discoloration; zippers and

(d) Shrinkage from cleaning; Rust or corrosion.

SPECIFIC TO STAINS & ACCIDENTAL DAMAGE: (a) Stains or damage result-

ing from dye; bleach, paint, acid or corrosive products; nail polish remov-

er; chewing gum; accumulation and buildup of stains and soil over time,

including darkened areas where the body comes into contact with the

upholstery; perspiration and body or hair oils; fading, soiling or damage

caused by pets (other than bodily uids); damage from use of cleaning

products not approved by the manufacturer or Us; normal soiling; mold

and mildew; stains of unknown origin; “X” coded and non-colorfast fab-

rics and leather; stains or damage to the material caused by the owner’s

failure to use reasonable caution and care to protect the covered prod-

uct; and (b) Stains or damage occurring prior to and during delivery or

setup of your covered product, or when the product is in storage, or

being moved into or out of storage, or being moved within or between

residences; dye transfer; stain or damage from cleaning products not

approved by the manufacturer; stains caused by medical incontinence;

stains or damage caused by independent contractors or maintenance

personnel; stains from leaks in appliances, sky lights or roof.

CONDITIONS:

Renewal: The Furniture Repair Plan is not renewable.

Transferability: This Agreement is transferable at no charge by the

original purchaser for the balance of the original extended protection

period.

The Covered Product may be registered by mailing information to

the Administrator, including the agreement reference number, date

of new ownership, new owner’s name, complete address, and tele-

phone number. The manufacturer’s warranty may not be transfer-

rable. This Agreement does not replace the manufacturer’s warranty.

Territories: The agreement territory is limited to the United States

of America, including the District of Columbia, only. It does not in-

clude any Canada or U.S. Territories including Guam, Puerto Rico, or

U.S. Virgin Islands.

Subrogation: If We pay for a loss, We may require You to assign Us

Your rights of recovery against others. We will not pay for a loss if You

impair these rights to recover. Your rights to recover from others may

not be waived.

Arbitration: In the event of a disagreement between You and Us con-

cerning costs, either party may make a written demand for arbitra-

tion. This must be done within sixty (60) days after the day You led

Your claim. Each party will select an arbitrator. The two (2) arbitrators

will select an umpire. Each party will pay the expenses of the respec-

tive arbitrator selected. The expenses of the umpire will be shared

equally. Unless both parties agree otherwise, arbitration will take

place in the county and state in which You live. Local rules will apply.

A majority decision will be binding.

Cancellation: You must return to the Selling Retailer or to US for a

refund. You may cancel this Agreement for any reason at any time. If

You cancel Your Agreement within thirty (30) days of receipt of Your

Agreement You will receive a full refund. If You cancel after thirty (30)

days of receipt of Your Agreement You will receive a pro-rata refund

based on the time expired less a twenty-ve dollar ($25) cancellation

fee, or ten percent (10%) of the purchase price (whichever is less), less

the cost of claims paid. We may not cancel this Agreement except

for fraud, material misrepresentation or non-payment by You; or if re-

quired to do so by a regulatory authority. Notice of such cancellation

will be in writing and given at least thirty (30) days prior to cancella-

tion. If We cancel, the return premium is based upon one-hundred

percent (100%) of the unearned pro-rata premium.

INSURANCE: THE OBLIGOR UNDER THIS AGREEMENT IS INSURED BY

“LYNDON SOUTHERN INSURANCE COMPANY”, 10151 DEERWOOD

PARK BLVD., BLDG. 100, SUITE 500, JACKSONVILLE, FL 32256 (800)

888-2738, AND EXCEPT IN GEORGIA WHERE THE OBLIGOR IS INSURED

BY “INSURANCE COMPANY OF THE SOUTH”, 10151 DEERWOOD PARK

BLVD., BLDG. 100, SUITE 500, JACKSONVILLE, FL 32256 (800) 888-

2738. IF THE ADMINISTRATOR FAILS TO PROVIDE SERVICE OR PAY A

CLAIM WITHIN SIXTY (60) DAYS YOU MAY SUBMIT YOUR CLAIM DI-

RECTLY TO THE INSURER AT THE ABOVE ADDRESS.

STATE REQUIREMENTS AND DISCLOSURES:

Alabama: CANCELLATION section is amended as follows: A ten per-

cent (10%) penalty per month shall be applied to refunds not paid

or credited within forty-ve (45) days of receipt of returned Service

Agreement.

Georgia: Coverage is eective upon the expiration of the shortest

portion of the manufacturer’s warranty. CANCELLATION section is

amended as follows: If You cancel after thirty (30) days of receipt of

Your Agreement, You will receive a pro rata refund of the Agreement

price. In the event of cancellation by US, notice of such cancellation

will be in writing and given at least thirty (30) days prior to cancel-

lation. Cancellation will comply with Section 33-24-44 of the Code

of Georgia. Claims paid and cancellation fees shall not be deducted

from any refund owed as a result of cancellation. Any refund owed

and not paid as required is subject to a penalty equal to twenty-ve

percent (25%) of the refund owed and interest of eighteen percent

(18%) per year until paid; however, such penalty shall not exceed fty

percent (50%) of the amount of the refund. We may not cancel this

Agreement except for fraud, material misrepresentation, or non-pay-

ment by You. ARBITRATION section of this Agreement is removed. In

the “WHAT IS NOT COVERED” section of this Agreement, exclusion (C)

is removed and replaced with: ANY AND ALL PRE-EXISTING CONDI-

TIONS KNOWN BY YOU THAT OCCUR PRIOR TO THE EFFECTIVE DATE

OF THIS AGREEMENT AND/OR ANY PREVIOUSLY DAMAGED

PRODUCT.

Mississippi: ARBITRATION section of this Agreement is removed.

North Carolina: CANCELLATION section is amended as follows: We may

not cancel this Agreement except for nonpayment by You or for violation

of any of the terms and conditions of this Agreement.

South Carolina: If You purchased this Agreement in South Carolina, com-

plaints or questions about this Agreement may be directed to the South

Carolina Department of Insurance, P.O. Box 100105, Columbia, South Caro-

lina 29202-3105, telephone number 803-737-6180. CANCELLATION sec-

tion is amended as follows: A ten percent (10%) penalty per month shall

be applied to refunds not paid or credited within forty-ve (45) days of

receipt of returned Service Agreement.

In Georgia Only coverage is eective upon the expiration of the shortest

portion of the manufacturer’s warranty. In the “WHAT IS NOT COVERED”

section of this Agreement, exclusion (c) is removed and replaced with: Any

and all pre-existing conditions known by You that occur prior to the ef-

fective date of this Agreement and/or any sold “AS-IS” including but not

limited to oor models, demonstration models, etc.

In South Carolina Only: If You purchased this Agreement in South Caro-

lina, complaints or questions about this Agreement may be directed to

the South Carolina Department of Insurance, P.O. Box 100105, Columbia,

South Carolina 29202-3105, telephone number 803-737-6180.

SAM-WSB (03.16)

The Badcock motto has always been

“We will treat you right.” We want you

as a customer for life and will work hard

to earn your ongoing trust by properly

administering the Protect It plan. When

products do not function properly and

require service, this can be a frustrating

time. Badcock is committed to making a

satisfactory customer experience for you.

W.S Badcock Corporation

Corporate Oce:

P.O. Box 497 Mulberry FL 33860

1-800-Badcock

www.badcock.com

WHAT IS COVERED?*

Manufacturer Defects (not due to an incident or cause)

• Checking, cracking or peeling of the nish on solid

or veneered wood or laminated furniture

• Warping, cracking, breaking or separation of frame

and frame components such as braces, legs,

panels, trim and base molding, drawers and drawer

guides, leaf and leaf tracks, tension supports, arms,

aprons, pedestal and trestle base and legs, spindles

and beam

• The breaking or bending of mechanisms, springs

and coils

• Failure of electrical components including clocks,

motors and hydraulics

Stains (due to a single incident)

• Stains to fabric, leather/vinyl as a result of

accidental (one time) spill from food, beverage, human or

pet biological stains, ball point penink and nail polish

Additional Covered Damage

(due to a single speciﬁc incident)

• Accidental Punctures or rips to fabric, leather or vinyl

• Accidental Chipping or gouges to wood and other

case good surfaces that penetrate the nish exposing

the substrate

• Accidental breakage and loss of silvering to mirrors;

accidental breakage of glass

• Minor burn marks to fabric, vinyl or leather

from a single incident caused by cigarette,

cigar or a tobacco pipe

• Liquid marks or rings to wood, veneered or laminate

surfaces from household food or beverages, caused by a

single incident

• Heat marks on solid wood and veneered wood and

wood laminate surfaces from normal household

items, caused by a single incident (Heat marks

mean the discoloration, blistering or bubbling of the

wood nish due to heat, and does not include char,

scorch or singe marks.)

For claims call 1-888-202-5518

With Protect•it, you can have Peace

Ask your sales associate for details and

Protect•it today!

*****

Win-Win added Feature

*****

Win-Win added Feature

*****

**Protect-It Purchase Price

USD 19.95 – 49.99

USD 50.00 – 99.99

USD 100.00 – 199.99

USD 200.00 o mas

Minimum New Purchase

USD 499.00

USD 999.00

USD 1299.00

USD 1499.00

Protect your purchase against many of life’s little

mishaps with the Protect-It program. PLUS as

an added feature, if you never use the Protect-It

service on any eligible items on the sales slip

during your 3 years of total coverage, Badcock

will give you a discount coupon equal to the full

Protect-it retail price to use towards a future home

furnishings purchase at Badcock! You can have the

best of both worlds, protection for your purchase

now, and get credit towards a new purchase with

Badcock if you did not use it!

*it is a WIN WIN!

With Protect•it , you can have Peace

Ask your sales associate for details and

Protect•it today!

WHAT DO YOU GET?*

• Free parts & labor from date of delivery!

• In-home nationwide service!

• No Deductible!

• Replacement of like kind if the aected item can’t

be repaired! Protect Your Furniture Investment!

Minimum purchase amount will apply to discount coupon.

You are not obligated to purchase a new Protect-It plan with

the Win-Win feature minimum new merchandise purchase.

** Cannot be combined with any other oer or discount.

Prices and Specications subject to change without notice.

*“The Win-Win customer feature is an agreement solely

between you and W.S. Badcock and is not a benet provided

under this agreement, by the obligor or insurer”.

3YR YEAR AGREEMENT - FURNITURE & UPHOLSTERY

THIS IS NOT A CONTRACT OF INSURANCE

Please read this Agreement carefully, as it describes the protection You

will receive in return for payment by You. You must keep this Agreement,

Your sales invoice and receipt for the product purchased. They are integral

parts of this Agreement and You may be required to produce them to ob-

tain service. You must maintain Your covered product as recommended

by the manufacturer’s warranty or Furniture Care Instructions. Refer to the

Declarations Page or Your sales invoice or receipt to determine the term

of this Agreement and whether there is a deductible in order to obtain

service. The purchase of this Agreement is not required to either purchase

Your product or to obtain nancing. Any person who knowingly and with

intent to injure, defraud or deceive any insurer and les a statement of

claim or any application containing false, incomplete or misleading infor-

mation is guilty of a felony of the third degree.

DEFINITIONS:

(1) “We”, “Us” and “Our” mean the company obligated under this Agree-

ment, 4warranty Corporation, 10151 Deerwood Park Blvd., Building 100,

Suite 500, Jacksonville, FL 32256 (888-202-5518);

(2) “You” and “Your” mean the purchaser of the Covered Product(s) and any

authorized transferee/assignee of the purchaser;

(3) “Administrator” means 4warranty Corporation, 10151 Deerwood Park

Blvd., Building 100, Suite 500, Jacksonville, FL 32256 (888-202-5518);

(4) “Selling Retailer” means the merchant selling the Covered Product and

this Agreement; and

(5) “Covered Product” means the consumer item(s) which You purchased

concurrently with and is covered by this Agreement.

FURNITURE REPAIR PLAN

TERM: The term of this Agreement begins on the date Your Product is de-

livered and continues for the period indicated on the face of this Agree-

ment, the Declarations Page, or Your sales receipt or invoice. Coverage for

Stains and Accidental Damage is eective upon date of delivery. Coverage

for manufacturer defects is eective upon the expiration of the shortest

portion of the manufacturer’s warranty and Selling Retailer’s guarantee.

THIS AGREEMENT DOES NOT REPLACE THE MANUFACTURER WARRANTY

OR SELLING RETAILER’S GUARANTEE ON YOUR COVERED PRODUCT. In the

event Your Covered Product is being serviced by an authorized service

center when this Agreement expires, the term of this Agreement will be

extended until covered repair has been completed.

WHAT IS COVERED: We will cover only the following defects or damage

to Your Product:

Manufacturer Defects:

(a) Checking, cracking or peeling of the nish on solid wood, wood ve-

neered or wood laminated furniture;

(b) Warping, cracking, breaking or separation of frame and frame compo-

nents such as braces, legs, panels, trim and base molding, drawers and

drawer guides, leaf and leaf tracks, tension supports, arms, aprons, ped-

estal and trestle base and legs, spindles and beams (except faux stone,

marble and granite);

(d) Failure of electrical components including clocks, motors and hydrau-

lics.

Stains:

(a) Accidental stains, except as noted in “WHAT IS NOT COVERED”, to area

rugs, fabric, vinyl or leather (except nubuck, suede and bued leather) as a

result of normal spills from food and beverage and human or pet biologi-

cal stains (except perspiration and hair and body oils); ball point pen ink,

nail polish.

Accidental Damage:

(a) Accidental Punctures or rips to fabric, leather or vinyl from external

causes caused by a single incident;

(b) Accidental Chipping or gouges to wood and other case good surfaces

(except faux stone, marble or granite) that penetrate the nish

exposing the substrate;

age of glass;

(d) Minor burn marks from a single incident caused solely by cigarette,

cigar or a tobacco pipe;

(e) Liquid marks or rings to wood, wood veneered or wood laminate sur-

faces caused from household food and beverages, caused by a single in-

cident; and

(f)Heat marks on solid wood, wood veneered and wood laminate surfaces

from normal household items, caused by a single incident. Heat marks

means the discoloration, blistering or bubbling of the wood nish due to

heat, and does not include char, scorch or singe marks.

Parts will be replaced at Our option with those of like kind and quality as

determined by Us, and may be new or remanufactured. We do not guar-

antee color match on fabric, leather, vinyl or wood nishes. If the covered

product (1) cannot be repaired, (2) if the cost of the repair exceeds the

original purchase price, or (3) if the parts are no longer available or are

discontinued by the manufacturer, Your aected item will be replaced

with a product of similar features as determined by Us, not to exceed the

purchase price of the covered product, excluding sales tax, delivery and

installation costs. YOU ARE RESPONSIBLE FOR ANY SALES TAX, DELIVERY

AND INSTALLATION COSTS ASSOCIATED WITH A REPLACEMENT ITEM.

LIMIT OF LIABILITY: Our limit of liability for Your Covered Product is the

lesser of the cost of authorized repairs, or replacement with a product with

similar features as determined by Us, provided however, in no event will

Our total liability for repairs or replacement exceed Your purchase price for

the Covered Product, excluding sales tax, delivery and installation. Upon

replacement, We no longer have any obligation for the replaced product

under this Agreement. Service costs, trip charges, breakdown charges, in-

spection fees or estimates for repairs not covered under this Agreement

are Your responsibility.

HOW TO GET SERVICE: You must Contact the Administrator for authorized

service within seven (7) days of noticing the defect or damage to Your

covered product. Call Us toll-free at 888-202-5518 between the hours of

8:00 AM and 5:00 PM eastern standard time Monday-Friday, or go online

to www.4repairs.net. Prior to OUR dispatching service to Your location,

We may request that You provide US with pictures of your defective or

damaged Product. There may be a deductible required to obtain service

for Your Covered Product as indicated on the Declarations Page of this

Agreement. All repairs must be authorized by the Administrator prior to

performance of work. Claims on unauthorized repairs may be denied. You

may be asked for a credit card number before we dispatch service to your

location. If You refuse service on a covered item after We have dispatched

the repair servicer to Your location You will be billed for that servicer’s ap-

plicable trip charge. Except for delivery damage, if You refuse delivery of

Your replacement item you will be reimbursed the purchase price of this

Agreement and We will have no further liability.

In-Home Service will be performed in Your home whenever possible. The

authorized service center may opt to remove Your Covered Product to per-

form service in-shop and will return the Covered Product upon comple-

tion. Additional time and mileage charges for in-home repairs outside of

twenty-ve (25) miles or the normal service radius of the authorized ser-

vice center are not covered by this Agreement, and are Your responsibility.

If You are not within one of the Administrator’s authorized service areas,

You may request termination and refund of the Agreement sales price

subject to the cancellation provision in this Agreement. If You choose, the

Administrator will provide service at the nearest service location and You

must provide the necessary deliveries and pickups at Your expense. Ser-

vice is available during the regular business hours of the servicer. We do

not guarantee days or time of service. We will not be liable for any dam-

ages arising out of delays, either before or after a day or time of service

is agreed upon. You must make the product reasonably accessible to the

repair person. If the product is not accessible, We may decline to provide

service or assess You an additional charge, proportionate with the di-

culty in working on the product.