Ford has been refusing normal factory warranties that are pretty straight forward and well within the terms so I have no doubt they refuse the extended snake oil coverages.
Extended warranties are never a good value in my opinion and I never buy them. I am sure there are some who have benefitted from them but for the most part, they make is issuing company money.
For an off-road vehicle, they make even less sense to me unless you are going to leave the vehicle bone stock and never take it off road.
If they deny a claim, even valid claim, most people move on and don't fight the decision due to legal costs associated with fighting it, the red tape involved or whatever. A dealership can also flag your vehicle so that other dealers in the network can see they've denied the claim due to modification, abuse or whatever..
These extended warranties and companies are not in the bizz of loosing $$$$.
My .02
onX Trail Guide & Tread Lightly Member
2023 Badlands 2 door in Hot Pepper Red 🌶️ 🌶️