Welcome to our forum.
That being said, congrats zroger, your one of the smart ones who, even though getting one of THE top brands, still was smart enough to follow through and get the insurance.
disintigrating o-rings, black "grease" balls out of the jets, and multiple O-Ring failures? multiple failures on the rubber parts of the moto? all within a 3-4 years? do you test and balance your water at all?