A refund doesn't make sense. But if my VoIP provider were out even one hour per month, I would switch (or my wife would switch ). A couple of dropped calls in a month, or a couple of times picking up the phone and having no dial tone would lead me to keep my POTS line, perhaps using VoIP as a second line only. This is interesting, because my cell phone service is no where near this good. Calls drop, or voice quality suffers, and we just grin and bear it. But with a home phone, we have gotten used to 99.999%.

I think the remarkable fact is that we HAVE dropped our POTS line, and use only VoIP in the home. And my wife still lives here.