The administrators
Your receipt says Lowe's; your claim is decided inside the Assurant family — and which family member holds your plan depends on your state. The names matter for exactly two things: addressing an escalation correctly, and knowing which regulator licenses the company that stalled you.
| Your state | Plan provider | Regulator door |
|---|---|---|
| Most states | Federal Warranty Service Corporation | State insurance department / AG |
| Oklahoma | Assurant Service Protection, Inc. | Oklahoma Insurance Department |
| Florida | United Service Protection, Inc. | Office of Insurance Regulation (Service Warranty Associations) |
| Texas (any provider) | — | TDLR registers service-contract providers and takes their complaints |
| Underwriter (all Lowe's plans): American Bankers Insurance Company of Florida | An insurer — insurance departments have jurisdiction | |
One California exception: water-heater plans in California are provided by Lowe's itself, not Assurant. Provider names per the plan's own Terms & Conditions (ELPP0009S-1219); the underwriter per Warranty Week's March 2026 survey.
Assurant's desks decide: whether a visit was a "covered repair" (the definition fight), whether the count has triggered the lemon payment, whether a replacement is offered and in what form (their sole discretion), and every benefit claim — rental, spoilage, the payback. Every one of those decisions can be required in writing, and every written decision is appealable to the regulator doors above. The pattern across the complaint record — a claim "lost," a repair confirmed by email that never happened — is an administrator-pattern, which is why the escalation script in the kit is addressed to the administrator, not the store.
Stated once, because it shapes expectations: on PissedConsumer, Assurant's profile runs about 1.2 stars with roughly 97% of reviews unresolved (checked Oct 20, 2026). You are not imagining the runaround, and you are not its only current chapter. The defense is the same as everywhere on this site: dates, counts, writing.
Count your own case. The free checker takes your store, your plan date, your repair history, and your dates — and returns your lemon count, your live clocks, and the money the plan owes. Run the checker →
The pages above are the map. The kit is the paperwork: the repair log that proves the count, the script for your administrator, and the complaint pack for when the stall continues.
One payment, yours to keep. We never ask for your store or plan-portal password — you file everything yourself. See everything inside the kit →