I opened a ticket in December when my heater failed. I called my home warranty company(HWA), opened a claim and asked for someone to come out and fix it. They said it would be at least a week, because it wasn't cold enough to escalate it to an emergency. The temperature outside with 29 degrees and, the temperature in my house was falling fast. I contacted Horizon, one of the more reputable names in furnace service in the area. They came out the next day. They told me my heat exchange was cracked and they would not be able to repair it. We picked the quickest option to get it replaced. By then we had been sleeping in front of the fireplace for a week and my upstairs was 34 degrees. I had to shut off the plumbing to the upper floors. After replacing the furnace I contacted the Home warranty company about a reimbursement ($2000) and they told be that since it wasn't pre-approved they could not do anything. Is there any legal recourse I have to take. I realize I need pre-approval, but the situation they left us with was unreasonable.
By the way. This is in Merchantville (Camden county) New Jersey