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 online. 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 "loophole" 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.
EDISON, NEW JERSEY -- Just like the other reviewers have noted, this company makes sure nothing is covered. I was with American Home Shield (who is awesome, by the way) previously and will be going back to them as soon as this evening. After 1 month of trying to get a vendor to come look at my pool heater (in winter, mind you, when things are not busy), they fired the first vendor who said it was covered on the day he was to come and replace it. The third vendor (long story about how we got to three) won their hearts by finding something that wasn't covered.
I have many additional stories about them, including that they can't bother to call you. They email you or call you automatically to tell you to call them. Then you are on hold and people have to figure out why you were calling. Ridiculous. So beyond "Nothing is covered," they also have HORRIBLE customer service. Just choose someone else.
NEW JERSEY -- Submitted a claim for plumbing leak and was told to call for additional information. After speaking with a representative was told my claim was denied due to an exclusion marked in section blah, blah, blah. Even though the piping is connected to the home, it's not covered under the plan because I mentioned the meter in my description.
Make sure to read all print in the contract including all exclusions. Also, be careful on how you describe problem when submitting claim. Any reference to anything in the "exclusions" will immediately be denied. They will find a way to deny your claim. Leaks are covered and they are denying the claim. Nowhere does it mention exclusion for leaks outside the confines (mentions blockage, not leaks).
EDISON, NEW JERSEY -- I signed up with Choice Home Warranty to protect my home effective on 10/04/2015 (signed up 09/04/15 I had to wait 30 days for the plan to go into effect). On 10/22/15 I realized it takes a long time to heat up my house so I went and checked my boiler when I realized it's coming out a little steam from the boiler, so I filed a claim with CHW. After 3 weeks they finally send a technician - Wayne J Pisanchyn Plumbing & Heating. He diagnosed the problem that the gasket is starting to tear up and it needed to be changed but he can't change it due to the age of the boiler, so CHW told me the technician told them it's manufacture defect.
The technician went and called again saying it's NOT, so they called me back saying "you are not covered since its pre-existent." They told me this problem goes on for at least 2 years. How could they say so? I also did a boiler winter start up and cleaning on 09/11/2015 and everything was perfect..... I called up the technician asking if it's true, he deny it and told me it's normal wear and tear and this might happened from one minute to the next, and the problem is just about to start... He also send me a letter saying that.
EDISON, NEW JERSEY -- I was talked into signing up for this warranty by their sales representative for the period of 3.5 years and was told that I can cancel it any time. I had one plumbing issue, for which their tech opened my ceiling and at the end it was a simple caulking issue, so he opened the ceiling to charge me extra. This claim lasted weeks. My ceiling is cut open. The warranty told me that I have to contact the tech myself, it is not their responsibility to talk to their own hired tech.
I decided to cancel my warranty and I was charged more than a year premium. I was so stupid to sign up for 3+ years, for cancelling. A five dollar caulk cost me over 500 and my ceiling is still open and I have to fix it myself. This company is fraud and scams people. Please think a million times before signing up with this company. I would give them negative stars if that option was available. They are extremely rude and unprofessional people working for them.
EDISON, NEW JERSEY -- Before I share my experience, I just want to inform everyone that this company has just been sued by the New Jersey Division of Internal Affairs. Go to the BBB Website for details. My refrigerator froze up. So, they sent out a repairman who briefly looked inside the freezer compartment. He stated that there was too much ice and left my doors open to thaw and said he would come back later. I then get a call from Choice and they say that my fridge is not repairable!? They then offer me $389 to replace it!
This was a top of the line stainless steel GE Profile that cost $3500 new. They said I could get a second opinion at my expense. If I fixed it (at my expense) it no longer would be under warranty. Big Deal! With this warranty, what does it matter!!! They stated that it wasn't my choice, it was their choice to replace it, and tried to bully me into taking the money. I still do not have a refrigerator, I had to borrow one! I am considering filing a lawsuit myself. .
We first filed an ac claim with Choice Home Warranty in August 2015. They sent out an appliance repairman. He came to our home several times each time siting a different issue twice adding freon once with a dye in an attempt to find out where it was leaking. He never returned. Yesterday our ac started acting up again so we called and pay our service fee again. They sent an actual HVAC tech who was able to find the problem within 20 minutes! The coil is leaking and is rusted.
So now Choice is denying our claim because 'they don't cover rust'. That would be fine except we purchased our house in the last year with a home inspection that found no issues with the unit inside or out! So now we have this guy pumping freon into it and it's just leaking out.... Hmmm in the attic in Georgia for 2 months I wonder why it's rusted! We will be attempting to appeal the denial but feel the need to to put out HONEST reviews for other consumers! Their website shows 5 star rating yet I cannot seem to leave one! So where did those 5 star reviews come from?
FARMINGTON HILLS, MICHIGAN -- BEWARE OF THIS DISHONEST COMPANY. I have home warranty with Choice Home Warranty and recently filed a claim for my Air conditioner (Make: Bryant) when it stopped working. The company sent the technician who diagnosed that the compressor had failed due to the reason "shorted to ground".
Normal lifetime of this A/C is about 12-15 years as per the technician and this A/C has been running for almost 19 years which reflects the maintenance I do about the appliance. But Choice Home Warranty (CHW) is denying the claim saying that the unit is not properly maintained and invoked some fine print, saying that it failed due to rust and corrosion which is not at all mentioned by the technician who attended the unit.
I see that CHW has denied claims like this multiple times for various customers with the same reason and I see a pattern of malpractice. Please note that this company is engaged in just providing some repair work but does not really replace any broken appliances. It always finds some reason to deny the claim when a unit needs to be replaced. So it not exactly a home warranty company but charges premium like one.
Heard from some of the contractors that CHW advises them to change their report to suit the requirement of the company so that it can deny the claim. I see the CHW is already penalized by NJ Division of consumer affairs and has been advised to change its business practice. In spite of that, CHW is continuing with its malpractice. Please beware and research yourself well before wasting your hard earned money on this fraudulent company.
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.