NEW YORK, NEW YORK -- Simply put, this company will not honor your contract. The company looks for reasons to deny your claim, and will not honor your contract even if the contractor says that the failure is due to normal wear and tear (which is specifically covered under the contract).
One of my claims was denied, not because the part wasn't covered, but because "something didn't seem right in the diagnosis."
Another claim was denied even though they told both me and repair technician that the repair was covered under the warranty, prior to him doing the work. The told me to complete the repairs and submit a receipt for reimbursement. I waited 30 days, and called to find out the status. I was told that the repair was not reimbursed because the part was not covered.
Another claim was denied because the "part wasn't covered". I purchased optional coverage to cover the part at an additional charge. I questioned the denial, and I have yet to receive a response from management.
Another claim was denied because there were some slight mineral deposits on the fixture. It did not matter that the technician told the representative that it was not the cause of failure nor was it part of failure. When I spoke with the company representative, he accused the technician of lying in his diagnosis of "normal wear and tear". (He made this statement about a company that they tried to assign to the job).
To make matters worse, I had to pay out of pocket for all of these expenses, with promises of reimbursement from them.
Bottom Line - THIS COMPANY WILL NOT HONOR YOUR CLAIMS and THEY WILL NOT REIMBURSE YOU EVEN IF THEY SAY THEY WILL.
Please heed my warning!!! I am consulting with an attorney to determine recourse. I have a recorded conversation with Ron from this last round where he asserted that the contractor was lying. Does anyone know how to start up a class action lawsuit?
Do not waste your time and money on Choice Home Warranty Company. I unfortunately made the mistake of not doing my research and now it has caught up to me. I should have known when they called me on my cell phone that there deal was too good to be true. They told me that for only $500 they would cover a convincing amount of thing from my A/C unit, washer and dryer, plumbing even my pool equipment. Little did I know they had a disclaimer to not pay for just about everything especially if the cost would be more than $500. From a business point I get the concept because enable for them to make any money off of the warranty they provide they have to make sure they don't pay more then what they suckered their customers in to paying. So here is my situation that I have had the pleasure of dealing with this company. So I live in Florida so of course the A/C goes out on a nice hot day. So I made my claim online because calling them will take up plenty of your time.
The repair man came and looked at it with in two days which hey not bad. After paying my $45 call fee. The repair man found was that the evaporator was leaking and unrepairable. Of course Choice didn't believe him so they told me I had to pay the repair man a $79 leak detection fee because they don't cover that lol. So the repair man was able to isolate the leak and it was leaking from the fins. After a couple of hours on the phone between the repair man and me we were told that they would contact me because a supervisor had to review the claim before it could be repaired. So I received a call the next day telling me that they wouldn't cover the evaporator because it had rust on it and wasn't normal wear and tear. The evaporator is 30 years old what is it supposed to look like. Plus where it was leaking had no rust and I was actually impressed how it looked for being so old. So now I have a complaint with many others on Better Business Bureau. As of right now they have a C- rating with BBB.
This company should not exist. Do you research because there are a bunch of warranty companies that do cover rust and corrosion. Now I am paying $700 to have my evaporator replaced.
EDISON, NEW JERSEY -- Hello everyone,
THIS IS MY REAL EXPERIENCE. READ BEFORE YOU TAKE SERVICE. I DON'T OTHER TO SUFFER LIKE ME.
I just want share my experience with Choice home Warranty recently. Please find my list of issues with them just in few days.
At the time of enrollment they try to over charged and made multiple transactions, got a call from credit card company and I requested them to decline the transactions. What if you don't get call, you need to go the hassle process
Absolutely I didn't get any information about policy for 20 days, after I made repeated calls then they sent policy number via email and then 2 days after info arrive in mail too. This is an example of how poor their service is.
At the time of enrollment representative promised me that effective date can be current if I show an active policy, I faxed the information but this did not happen. I made 15 calls about this and no use.
With the above all issues I sent the cancellation request in writing and then representative started bargaining to keep me like what about if I only charge half year price for full year an first service call fee. I strongly said please simply cancel. I waited for two weeks for refund. I didn't get the refund. I called today and they finally refunding but they are charging $50 (administrative fee) + $39 ( 1 month fee). Even though I cancelled service in my first 30 days, they had charged all these. Initially they told me that risk free 30 days.
Based on my personal experience I would recommend you stay out of this company. If the customer service is like this even if something happens you can assume what will happen.
***********STAY AWAY FROM CHOICE HOME WARRANTY*************
EDISON, NEW JERSEY -- CHW is a very bad company, I filed a compliant which is in the covered item. The appointment is Fri 9-11 am and technician finally came at 4:30pm after I keep calling him. Then he said the claim department is closed and he needs to collect the service call payment and come back next Monday after got the authorization code or pay him $200 to do the job. He also mentioned I should go with a good warranty company like "Old Republic". I suspected he will never come back at that time. I check again on Monday morning and he said he is talking with CHW, then CHW denied in the after noon. This technician said I can pay him $200 to do the job since CHW is not paying. I was so angry and call CHW to cancel my policy and the representative said I need to mail a written letter to their address. I felt the whole thing is a scam because the following reasons:
When I called to file a claim, the phone representative tried to deny the claim first. I insist the problem and finally they assign a technician.
Not sure if the technician is a scam as well. The appointment is 9-11am and he came at 4:30pm to come to collect easy money of service call fee without doing anything and say different things to me and CHW. Want to ask me to pay $200 and said CHW is not good and should go with other company. Interesting, he is assigned from CHW.
Finally CHW just said they are not going to cover no matter what I say the problem is.
I was mad to call to cancel and the phone representative asked me to send a written letter to the address. No online, email or fax. So I mailed a cancellation letter.
I finally got a response to fax a cancellation form after I specify I am going to cancel on the claim case.
If they only collect the premium and try every possible way to deny the claims. I really don't know why we need this kind of home warranty insurance. Also I think we shouldn't pay the service fee if the technician didn't do anything, otherwise it becomes an easy money for them to collect. They just came to collect the money and always said come back later and never come back.
EDISON, NEW JERSEY -- Beware! I know this company appears tempting because of the lower rates. I fell for it and got a major screw job. They will honor the small claims. But once a big one comes, they will flat out refuse to pay. You will hear one of these two excuses, "pre-existing condition" or "failure to provide proper maintenance". People, please look at all the bad reviews. And if that's not enough to convince you, even the nj attorney general is trying to shut them down. The company is owned by a group of slick, greasy east coast lawyers. They know how to skirt the bbb and any small claim lawsuits. Be scared, be very scared!
MIAMI, FLORIDA -- This is the worst company I have ever dealt with...When you sign up with them they claim that they will cover the repairs should your appliances stop working, doesn't matter how old they are or what happens you can rest assured that your in good hands and will have a positive experience....WELL NOT..... I called in 2 claims and the technician was more leaning into selling me a new appliance stating that mine was old and my policy was too new. He said they won't cover he charged me my deductible and waited 3 days to submit his report to the company. He kept calling me to see if I was going to purchase a new unit.. I called the warranty company and they said they couldn't make a decision until they received the diagnosis from the tech..... 3 days later they call me to tell me that they will not cover the repair because it's "preexisting". How does one know if something is preexisting it just stopped working and that why I have a warranty company to fix it. They state whether known or unknown and they agreed that I wouldn't have known but they will not cover. THIS JUST DOESN'T MAKE ANY SENSE .....I CANCELED MY. CONTRACT AND THEY KEPT THE MONTH I PAID AND $50.00 administration fee..... If your thinking about getting service with this company PLEASE do yourself a favor and a headache don't sign up with them..
Choice Home Warranty is a SCAM. I've had a couple of home warranty companies, and generally been pleased with the coverage and service levels, UNTIL Choice Home Warranty. Their company has a crew of "claim handlers" that specialize in finding any way possible to deny paying a claim. This is especially true concerning any repairs to your air conditioning equipment. First, they stopped covering the replacement of refrigerant that a covered repair caused. Next, when a leak in the coil was found (they didn't cover the cost of finding the leak, BTW), they said that any rust on the coil (and they had the technician take a photo) meant that the leak was due to lack of maintenance, and so weren't responsible for the repair. RUST? Maintenance can't do anything about RUST on a piece of equipment that is constantly exposed to moisture, it will eventually fail. Choice has apparently tried to shield themselves from paying for any repair and are counting on the isolated home owner not being able to pursue them in court. They have miscalculated.
EDISON, NEW JERSEY -- Please be aware that CHW is NOT behaving as a legitimate business. CHW Does Not Honor Contracts.
Stay away from CHOICE HOME WARRANTY.
CHW have terrible, awful customer service and do not stand by anything they say on the phone.
James M – President, Jose-Supervisor/Manager? ext.8240, Kristine ID#1852185
CHT serviced my AC unit on the end of 2013 season (8-23-2013 Claim #50842848)
Now AC is not working and claim (5-9-2014 Claim#51678385) is deny, due to no CHW record of previous service.
SAVE YOURSELF THE HASSLE, HEADACHE DO NOT THROW YOUR MONEY AT ILLEGITIMATE SCAMMERS!!!
Do Not Purchase A Home Warranty From Choice. CHW will not honor your contract.
PHOENIX, ARIZONA -- I have given this cheesy company a ZERO rating if it would have been listed. I purchased TWO home warranties from these professional scammers. I own a home in Phoenix, and one in the mountains of Arizona. The salesman, Kevin Michaels, worked with me for 3 days to convince me to buy the warranties for both homes. I was hesitant due to the terrible ratings that are online. Despite my better judgment, I decided to give them a try, as the salesman promised the moon! Last week, our AC unit in Phoenix stopped working. It is a high efficiency Trane unit, split system. Even though I have been with Choice for over 6 months....they sent out a rookie repairman on the first trip, who stated that he didn't know anything about a Trane unit. So, we called Choice again, and they sent out another repairman. That repairman told Choice that the compressor was bad and needed replacement. After 3 days of waiting to see when the unit would be repaired, my husband called Choice. They transferred him to a Claims Adjuster, who told him that they would NOT repair or replace the AC unit. My husband is an engineer, and designed commercial AC. Despite the fact that this AC unit had NEVER had an issue in many years, Choice refused to fix it unless we had "maintenance records". It had NEVER needed work, so why would we have records? These idiots are professional money grabbers. I demanded a pro-rated refund for both homes, but it was pennies compared to what I paid. DO NOT GO WITH THIS COMPANY!!!!
EDISON, NEW JERSEY -- On Sept. 30th our heating unit went out. Called Choice, sent repairman out, unit needed to be replaced, Choice denied claim. Said it was pre-existing which they determined only by pictures.
They Never once talked to their contractor to get his opinion, he said there was no way this was pre-existing but, they wouldn't talk to him because they knew they weren't doing anything, it's all a big game to them. They want you to beg. I will never have another home warranty, will pay as I go from now on, so much for piece of mind warranty. They are a big joke. I really don't know why they even bother to have contractors if they don't trust them enough to get their opinion.
I can most definitely see why they have an F rating with the BBB. I gave them and F- on my review with BBB and will continue to do so.