BEDMINSTER, NEW JERSEY -- Do not waste your money with this company. I had the policy for over 30 days which my policy clearly stated was my waiting period.
45 days into my policy my garbage disposal decides to start leaking. We called and couldn't get through so we did a claim on line. An automated phone call confirmed that our claim was received and gave me the name and number of the plumbing service that would be out to fix the issue. I also received an email that confirmed as well as stated the issue that we had reported which was a "leaking garbage disposal".
The plumber called us and came to the house. He called Choice Home Warranty to get the confirmation number where they informed him this service would not be covered as the policy was too new.
I called Choice Home Warranty, and was told that they had deemed this "pre-existing", that this leak couldn't have happened in the few days that my policy was in effect. I questioned them as to how long would it have occurred...one month. two months, three... The response was I don't know maybe two or three months. I questioned is that on every appliance in my home and she stated yes. I again questioned, so if my washing machine dies 6 months into my policy you can still claim that? She responded with it just depends on what happens to it.
I was extremely upset that there was no set definition of what could or could not be pre-existing and that this could be a "loop hole" out of paying for anything. I was also upset that they didn't have the common courtesy to call the repair man prior to him making a service call to my home to cancel this claim.
I still paid the plumber the 45 service call as it was not his fault, and advised him to "raise hell" with Choice Home over this less than stellar service.
As I stated above, Don't Buy unless you have brand new appliances.
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.
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?
NEW JERSEY -- We've had their insurance plan for about 3 years and had to use them twice, once for a plumbing problem that they never fixed, they actually sent an AC tech to fix the issue that didn't have any plumbing tools, he had to go to Home Depot to rent them and still couldn't fix the issue, I had to hire a plumber to fix it and the other time was this week 7/15 for an AC issue that they said they wouldn't cover because they said we hadn't had the AC unit serviced even though we have and according to their own plan doesn't mention the servicing. Please do yourself a favor and use another company, these people do not honor their own policies.
PHENIX CITY, ALABAMA -- Was convinced on the phone this company would take care of all my needs for repair on just about anything I chose to pay for coverage on. I even covered the roof. My oven stopped working. Long story short they could not find the part. Instead CHW sent me $105.00 to cover the repair and part if I could find it. I am disappointed in this due to the fact I was sold on "if we can't fix it we will replace it". I'll see what happens on my next experience.
They have smooth talking sales reps who promise the moon, also very nice reps when you file a claim.
IRVING, TEXAS -- Exactly what I predicted would happen, happened. Choice 100% sold me on this policy, claiming how much better Choice was than American Home Shield. I explained to them AHS ALWAYS found a loophole to NOT pay a claim... and wow, 1st claim with CHOICE and they found a loophole! I knew it... they are all the same. My dishwasher went out and now Choice will not cover the claim because the said it "most likely wasn't in good working order" when I started the service. Well the dishwasher worked just fine until last Monday and it just stopped working. It's older but it has always worked great. Choice CLAIMS to cover any appliance no matter how old.... right! Also, once I filed the claim, I finally had to call them back after 3 days because a technician never called to make an appointment. They are cheaper, but you get what you pay for.
I am 100% changing my review! Within an hour of posting my issue and how unhappy I was, I received a call from Choice Home Warranty. They asked for me to explain what happened and after explaining, they offered to pay for half of a new dishwasher, which I am perfectly happy with since I have not had the policy that long. If the original rep I spoke with would have offered this or even tried to resolve it, I would have been satisfied and not felt the need to give a bad review.
She also gave me a free service charge on my next call since it took 3 days for the contractor to contact me. I am very impressed that they contacted me immediately when they saw my unsatisfactory review!!
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..