Our first red flag was that none of these supposed "final notices" were preceded by any other mail notices from this company. The second red flag was that our financial institution is identified as ARC CU - we are ARC FCU. A seemingly minor difference, but on documents from reputable companies this would be a glaring error. (The "F" designates us as a federally insured credit union, as opposed to a state-insured credit union.)
After a concerned phone call to the company (since we were now in the final days to take action on this "EXTREMELY URGENT & TIME SENSITIVE" offer) we learned that due to the age of our home, this was the only letter that was actually mailed to us. Strike one.
The company rep was a very pleasant young woman who asked for basic info on the home - year built, square footage, condition of the structure and appliances. She came up with a warranty contract price then offered to find discounts based on age, military status, etc. Then she got her supervisor on the phone to see if he could get any more discounts for me that she might not be able to. Strike two.
The supervisor was much more aggressive and pushy. He wanted to close the deal and take a payment immediately after offering a lower price. It was not until stating that my spouse had all the credit/debit cards and I only carried cash so I couldn't pay over the phone that he very irately agreed to put a temporary hold on the offer until lunch time when I could call them back with the card info from my spouse. Strike three.