They are not covering anything, you pay for 90% of the cost if you repair through them if you hire contractors you pay less.
They are collecting the money and each time you call to take about the issues, you have to have wait for ours no matter which department you call, the only department would answer you is the sale department, you call, it's not because of COVID-19 all the time anytime.
There are lots of uncovered costs.
Don't waste your time and money.