Is Your Home Warranty Really About to Expire—Or Is It Just a Scam?
 Thousands of homeowners across the country are receiving letters that appear to be official notices warning them that their home warranty is about to expire. Each letter is branded “County Deed Records,” includes mortgage details, and even arrives with what looks like a $199 check. But here’s the catch: it’s all an illusion—designed to trick you into handing over your credit card.

It’s a scam that thrives on fear, confusion, and the power of suggestion.

 

The Disguised Danger in Your Mailbox

At first glance, the letter looks legitimate. It references your mortgage lender, includes your full name and address, and implies that you’ll lose coverage if you don’t act immediately. The enclosed "check"—made out for $199—isn’t cashable, but instead a manipulative marketing ploy.

When recipients call the number provided, they’re greeted by a representative from something called the “Home Services Department,” who proceeds to ask for the ID number printed on the letter to make it feel more official.

But this is where the deception begins.

In reality, most of the people receiving these letters don’t even have home warranty coverage in the first place. The company on the other end of the line is not affiliated with your mortgage lender, despite the letter’s misleading design and language. This entire scheme is built to appear authoritative while pressuring consumers to act fast.

 

At first glance, the letter looks legitimate, but it’s really a scam that thrives on fear, confusion, and the power of suggestion. (Img: TrustDALE TV)

 

The Hard Sell and the Vanishing Answers

Callers who express interest are told they must pay immediately—usually with a debit or credit card—for what’s pitched as a "comprehensive home warranty." The cost? Roughly $189 upfront, with no written documentation, no policy preview, and no clear answers.

Ask about the company underwriting the policy and you’ll hear the name “Integrity Admin Group.” But dig a little deeper, and things unravel fast.

That name redirects to Like New Home Warranty, a company with an F rating and an active fraud alert from the Better Business Bureau.  Their pattern of behavior is so concerning that investigators, including consumer reporter Dale Cardwell, have confronted them directly—only to be met with dodged questions, vague claims, and ultimately, silence.

 

Like New Home Warranty has an F rating and an active fraud alert from the Better Business Bureau. Img: TrustDALE TV)

 

When Dale pressed one of the representatives about why anyone should hand over their credit card without seeing a policy or contract, the response was baffling: “The evidence is right in front of you and it’s on the internet.”

When Dale followed up: “You expect me to give you a credit card over the phone without having any documentation?”—he was met with a dial tone.

 

What’s Really Going On—And How They Found You

This scam works because it feels personal. Your name, your address, your lender—it’s all accurate. That’s because these scammers are mining public records—yes, your mortgage data is accessible in many counties across the U.S.

They take this information and craft deceptive mailers that mimic real estate or government agencies. The goal? To create urgency, confusion, and a sense of obligation. Any communication that uses threatening or time-sensitive language—especially with no documentation—is almost always a red flag.

 

Protect Yourself From Warranty Scams

If you receive one of these letters, here’s what you should do:

  • Don’t call the number or engage with the sender. It validates your contact information.
  • Never provide payment info over the phone without verifying the company.
  • Check the business on BBB.org before considering any purchase.
  • Confirm with your mortgage lender directly if you're unsure about any correspondence.
  • Report the scam to your state’s Attorney General or the Federal Trade Commission (FTC).

These scams don’t just waste your money—they prey on your trust.

 

Bottom Line:
 Home warranties can provide peace of mind, but only if they come from trustworthy providers. If you’re considering a policy, make sure it’s through a vetted, legitimate source—not empty promises and fake checks.

 

Stay informed. Stay skeptical. Stay safe.
Share this story with anyone who owns a home—it might save them $199, or much more.