Harborline Shield™ Plan Terms

This is a service and repair coverage agreement between you and Harborline Plumbing. It is not an insurance policy and is not issued by an insurance company. Under it, Harborline — the company that personally inspected and serviced your home's plumbing — agrees to provide all labor to repair or replace Covered Components that fail from normal wear and tear during the coverage term, subject to the terms, limits, and exclusions below. This is labor-only coverage: parts, materials, fixtures, and equipment for covered repairs are billed to you at Harborline's member pricing (your plan's member discount applies to them).

Coverage exists only because we documented your plumbing first. Every covered home receives a Baseline Inspection (Section 3) in which our technicians photograph and record every accessible fixture and fitting, video-scope the main sewer line (on Sewer plans), and perform onboarding service (water heater flush or descale, aerator cleaning, stop-valve exercise, and minor adjustments). That documented baseline is part of this Agreement and controls what is covered.

3.1 Inspection first — a paid service on every plan. Coverage cannot begin until the Baseline Inspection is completed and Harborline accepts the Property. The Baseline Inspection fee is stated at enrollment and applies to every plan and every billing interval. The inspection is never free — it is the professional service and documentation that makes coverage possible.

3.2 We may decline or limit coverage. Based on the Baseline Inspection, Harborline may (a) accept the Property; (b) exclude specific components (each exclusion is recorded in the Fixture Inventory with a reason — e.g., pre-existing damage, end of service life, improper prior installation, inaccessible); (c) condition acceptance on completing recommended repairs at quoted prices; or (d) decline coverage entirely, refunding any prepaid coverage amounts.

3.3 Pre-existing conditions are not covered. Any defect, damage, leak, blockage, or deterioration that existed before the coverage start date — whether or not visible during the Baseline Inspection — is excluded. The Baseline Inspection record is the presumptive evidence of the Property's condition.

3.4 Waiting period. No claim may be made during the first 30 days after the coverage start date, except for the failure of a component our Baseline Inspection graded Good or Excellent within the prior 60 days.

3.5 Excluded components can earn coverage. If you repair or replace an excluded component (through Harborline or, with our written approval, a permitted licensed contractor), we will re-inspect it and add it to coverage.

All plans include: waived dispatch fees on every service visit, priority scheduling, the member discount of Section 8, and inspection reports shareable with your homeowner's-insurance carrier.

All coverage is labor-only. "Covered" means Harborline performs the repair or replacement labor at no charge, up to your plan's caps; parts, materials, fixtures, and equipment are billed at member pricing with your plan discount applied. Annual coverage caps are measured against the standard labor value of covered work performed. Gas piping, gas valves, and gas connectors are excluded from coverage on every plan (they are documented during inspections for your records only).

We cover plumbing that wears out on its own. We do not cover plumbing that something — or someone — broke. The following are excluded from coverage (but eligible for member-discounted repair under Section 8):

6.1 Allow inspections. Coverage requires the scheduled Semi-Annual (or annual, Essential plan) Inspection. If we cannot complete an inspection within 60 days of its due date because of your unavailability or refusal, coverage suspends until the inspection is completed (billing continues for up to 60 more days, after which we may cancel).

6.2 Report promptly. Report any leak, blockage, or malfunction within 72 hours of discovery via the portal, phone, or email. Shut off water to a leaking component where practicable.

6.3 Only Harborline works on covered plumbing. Work by others voids coverage on the affected components until we re-inspect them (emergencies excepted where we cannot respond within 24 hours and you notify us within 72 hours).

6.4 Maintain reasonable access to covered components (under-sink areas, water heater closets, cleanouts). Keep heavy storage away from exposed traps and supply lines.

6.5 Tell us about changes — remodels, new fixtures, tenant occupancy, or extended vacancy.

7.1 Submit a service request through the portal or by phone. Covered claims incur no dispatch fee and no trade-call fee.

7.2 A Harborline technician diagnoses the failure and documents it (photos/video). We determine coverage in writing, citing the specific section of this Agreement, within 2 business days of diagnosis (immediately for emergencies).

7.3 Covered repairs are scheduled at no cost to you up to the applicable caps. Non-covered repairs are quoted at the member discount (Section 8) — you are never obligated to proceed.

7.4 Emergency response: covered active-leak calls receive priority same-day/next-day scheduling during business hours; after-hours emergency dispatch fees are waived for covered claims on Complete and Sewer plans.

7.5 If you dispute a determination, the baseline and inspection records govern. Disputes go first to management review, then to mediation in San Diego County before any other proceeding (Section 11).

As a Shield member you receive the member discount stated in your plan (15% Essential/Complete, 20% Complete + Sewer) off Harborline's standard published rates for any plumbing work at the Property that is not covered — including the classic scenarios:

• Root-damaged or collapsed sewer mains (e.g., a cast-iron or clay lateral cracked by tree roots): excluded from coverage, but repaired, spot-repaired, lined, or replaced at your member discount, applied to trenchless and excavation options alike.
• Impact-damaged P-traps and supply lines (Section 5.1).
• Chemical-damage repairs, foreign-object extractions, remodel work, fixture upgrades, repipes, and code upgrades.

The discount cannot be combined with other coupons and does not apply to permit fees or third-party charges.

9.1 Billing. Coverage is billed monthly or annually in advance via automatic payment. The Baseline Inspection fee is billed once at enrollment on every plan.

9.2 Term & renewal. The initial term is 12 months, renewing automatically month-to-month or year-to-year per your billing interval. Renewal notices and cancellation mechanics follow California's Automatic Renewal Law — you may cancel online in the portal at any time.

9.3 Late/failed payment. If payment fails, coverage enters past due status; claims are paused after 10 days and coverage cancels after 30 days unpaid. Reinstatement after cancellation requires a new Baseline Inspection.

9.4 Cancellation by you. Cancel anytime, effective at the end of the paid period. Annual prepayments are refunded pro-rata less covered-claim labor costs already incurred that Coverage Year. The Baseline Inspection fee is a fee for services performed and is non-refundable once the inspection is completed.

9.5 Cancellation by us. We may cancel for non-payment, denial of inspection access, fraud or material misrepresentation, repeated misuse (Section 5.2), or unpermitted third-party work, with 30 days' written notice (immediately for fraud).

9.6 No claims payout on cancellation. This Agreement pays for repairs we perform; it never pays cash.

9.7 Flagship rate lock. While a Shield Flagship agreement remains continuously active and in good standing, its recurring rate will not increase at renewal. The rate lock ends if coverage lapses, is suspended for more than 60 days, or is canceled and later reinstated.

Coverage may transfer once to a new owner of the Property upon sale, subject to a transfer re-inspection (fee: 50% of the then-current Baseline Inspection fee — waived on Shield Flagship) within 30 days of close. The Fixture Inventory and exclusions carry over as updated by the re-inspection.