Called them up today and got the scoop from the rep who was there. They show me as being on the emergency list from 5pm on Friday and not before regardless of what the other two people said. Being put on the emergency list doesn't mean you'll get any service faster or have a toilet working within 3 days.
I pointed out to the rep that as far as First American Home Buyers Protection knows, I've had 4 people (2 adults, 2 kids) without a pot to piss in and a toilet sitting in the middle of the floor for the past 4 days. I got a bunch of "I do apologize"'s back from them.
I had her look at the service record for the thing and on Friday what they had done was they decided to deny my claim (around 11am) and then put the call to me in the queue of calls to make to inform me that I was being declined coverage because they couldn't find a sewer access cap. As of 11am Monday that call has still not come and supposedly it's in the queue - they will call and tell me I'm declined at some point.
The rep I talked to was a brick wall basically, it seems their entire job is to not let you bother the people above them, and the last time I did manage to get above them (I had a serious problem with one of their contractors last year) I got the name-repeater guy (the person who says you name over and over and over every single sentence to baffle and disarm you)
I told the rep I called back at 9pm on Saturday when they had not contacted me and they were closed. She said "no we're not" I told her to call her office at 9pm on a Saturday and see if they're open, the "we're closed" answering machine seemed to indicate they were, in fact, closed. She then asked me what number I called and I told her the main number, she said I had to call a different number and I asked her how I was supposed to know that considering it's not in my documentation nor had anyone bothered to tell it to me, or call me back when they said they would. She didn't have an answer but offered to give me the number and I asked her what good this was going to do me now.
I got the fax number for their reimbursement department and was told to have the contractor state on the receipt where the sewage access point was, I asked if they wanted a photo attached of the point or me to email a movie of me walking from the street to it, they said no.
I talked to the contractor who cleaned the thing out, he said the foreign object they hit was most likely a 90 degree turn followed by another and that there was no way their little snake reached to the clog and if they had even looked at the plumbing they would have realized what they were hitting. Not to put the plumbers First American sent down, any company that does solar panel installation as their primary work I don't think is up for the task of a serious clog.
So anyway, that's it. I will get the receipt from the contractor in a few days, fax it in, and see if they want to deny it. I have 5 contracts with them on various places, 2 of which expire in a month. I'll be canceling the other 3. I had those contracts so that when things went wrong I could get them repaired by a reputable company and not keep dealing with the slime and price gougers I keep running into. Turns out they're worse.