ARIZONA -- I got this contract with Choice Home Warranty in Mar 2016. In May 2016 my washer had a code on the face of it. I called CHW to have it repaired. CHW sent out a repairman to fix it. It was fixed for 3 weeks and got the same code on face of the washer. So I called CHW back to have them send out the repairman again so that I could get it repaired once and for all. The repairman said he would have to replace the brain of the unit and would have to get CHW approval to order the part.
Next thing I know CHW called and left a message for me to call them. When I called them back they said they would not fix my washer and were ready to settle this claim and offered $300.00. I was floored. Where can I find a front load washer for $300.00. So over time I decided to accept the $300.00 and then cancel my contract with them. I finally got my $300.00 check after 3 months. I called today to cancel my contract.
I was told that the $300.00 check that I received would be added to the months that has gone by plus the $50.00 cancellation fee and that I would not be receiving any refund of remaining months of this contract. The guy I talked to said "Let's read the contract" that it is spelled out in the contract clearly under section L. Here is what section L says:
"This is a maintenance agreement for repair, replacement, or partial replacement of the products listed that are deemed manufactured or sold by the manufacturer. This is not a contract of insurance, residential service, warranty, extended warranty, or implied warranty. You may cancel within the first 30 days of the order date for a refund of the paid contract fees, less a $50.00 administration fee.
"This contract shall be non-cancelable by us except for: 1) Nonpayment of contract fees, 2) Non-payment of Service Fees, as stated in Section III, 3) Fraud or misrepresentation of facts material by You to the issuance of this contract, 4) Mutual agreement of us and you. If cancelled after 30 days, you shall be entitled to a PRO-RATED REFUND OF THE PAID CONTRACT FEE FOR THE UNEXPIRED TERM, less a $50.00 administration fee. All cancellation requests must be submitted in writing."
Nowhere in this cancellation policy does it say that money I received from them for a replacement item covered under this contract will be added to months expired. This company is a big scam and run far far away from CHOICE HOME WARRANTY, PLEASE.
OHIO -- After waiting 3 days for a technician to look at my A/C unit he completed a report indicating what needed to be done and that "I checked the compressor and it was good..." To return next business day. On third day after unable to contact the technician or the company I contacted Choice Home Warranty and was advised that technician would be there between 2 and 5 today. Later CHW called to say my claim was rejected, compressor was shot due to my lack of maintenance. A reconsideration of this determination takes another 48 hours. It has been 6 days w/o A/C due to CHW and their inept contractors trying to get out of living up to their contract.
EDISON, NEW JERSEY -- First tech person brought no tools, didn't look at back of refrigerator (losing coolness). Called next day said, "Probably wasn't resolved." He said freezer rack was in backwards & he reversed it. Said, "Turn off refrigerator for 6 hours." It never regained coolness. Called company, they returned my call late next day, said no one was available to return to look at the unit. Next tech person came a few days later (I live in NYC & was told there are hundreds of tech people to fix things available, at least when I was signing up that's what they said.)
Next tech support came 5 days after the last one, he did look at the back of the refrigerator, said new compressor was needed, also computer board and coils cleaned. CHW denied claim, said it was my fault it happened. Tech support offered to fix it for $550. Then Choice Home Warranty offered $100. No more bad money after good.
HOUSTON, TEXAS -- Had 3 claims. All have been denied. First no hot water coming from shower head. Denied because they said was too easy to fix. Second claim, Air Conditioning not cooling. Denied, because they said it was not from normal wear and tear.
Third plumbing stoppage, cleared that night and paid for. Called CHW they refused to reimburse because they said it could not be repaired by cable line. Funny they were never there and that in fact, how it was repair, using a cable line. Filed complaints with BBB, Texas Attorney General Office, New Jersey Attorney General's office. Read article dated June 15, 2015, CHW pays 780,000 to customers for deceptive business practices to deny customers' claims.
EDISON, NEW JERSEY -- Called Choice regarding a leak by my water heater. They sent out a tech within 24 hours. Great! The water heater needs replacement. Since it is a covered item I felt wonderful. Told my wife what a great company to work with. I was premature.
They denied the claim. They said the issue was with the water tank and they do not cover the water tank. Mind you this is an integrated water heater with a sealed tank. Not an auxiliary tank. Have you ever heard anything so bizarre! I asked them what on earth do they cover since they claim they cover the water heater and components. They are dishonest and deceitful with the worst customer service department. Attempts to resolve this failed. I kept getting the same story.
EDISON, NEW JERSEY -- Yes I wish I could give them a zero star. During the sales process, the representative called me and they earned my business because First Choice. Whenever $1750 for 6 years then on 05/02/2017 my ac went out. I called for service. They send out tech and charge me $45.00 and left. They did not call me but send an email to call them back and I did that when they told me that will not cover the ac compressor. It got hot. That why it shorted to ground.
PS: This is Florida. It hot 90% of the time. We went back and forth for 10 day and they offered me a $500 to help me with the repair (WHAT THE **. THAT IS FRAUD). I want my money back. So let see what are they going to do about it. Please beware of this insurance company. Stay away for your own sake. Do not go with them.
If you are thinking on getting this insurance, read the fine print in their contract first. At the end, you may be paying an expensive insurance that covers almost nothing. We had two claims and both were denied. They advertise that they will replace your appliance when needed, but it is all misleading as they have fine print in their contracts that gives them a way out from approving a claim. In addition, the technicians that they work with are not real companies (all their emails are gmail.com, Yahoo.com, etc.) and do not carry enough insurance or are not bonded. Do not waste your money; the concept is good, but this company is in only for a profit.
CHURCHVILLE, PENNSYLVANIA -- When I signed the contract they said, "We will fix it or replace it." They didn't fix and didn't replace my dryer when it's died. They said, "We can't find the part you need to replace." They not fixed or replaced my air conditioner either. They said, "It has a rust in coil." I spoke with professional technician, who do it daily. He said, "Even new coil will have a rust in couple years, because of condensate." My air conditioner is much older, but they never mention any exclusions when they took my money upfront. Even more, they said, "It doesn't matter how old your equipment is."
When I spoke with supervisor about their awful service he proudly said, "We are covering almost 80% of our claims." If they said in the beginning they are not covered 20% of the cases on their choice I will never, ever sign this contract. Would you buy an insurance which is not guaranty the coverage? Very bad service, never recommend it to anyone.
EDISON, NEW JERSEY -- I researched home warranty programs when buying my home. Although a friend had a bad experience, I read the reviews (which are obviously false) and chose Choice Home Warranty. In the past year, I have had two small issues. One they refused to deal with at all, telling me to call the manufacturer, the other they just refused to fix.
Interestingly, the pool repair person who came out told me, at the door, before he ever looked at the pool equipment that Choice would not pay for any repair. He mentioned that he had submitted over 300 claims to them and they had refused 290 of them. Sure enough, he sent in the photos and they called immediately and said that the issue was not covered, DESPITE the fact that the contract SPECIFICALLY covered the issue. Customer Service was rude, Supervisor was ruder yet and I finally asked to cancel my contract AT WHICH POINT they had the nerve to mention a cancellation fee??? Do yourself a favor and choose wisely. Do not make this company your choice!
NEW JERSEY -- I purchased appliance insurance with Choice Home Warranty about 9 months ago. I had a problem with dishwasher. After every cycle about water (100 ML) stays at the bottom of my dishwasher. Called the CH insurance company and they send a technician. Technician could not fix it. So I told them to replace it. Then told me it is maintenance problem so they do not replace. If they buy a new dishwasher for me then it will cost them money but spending $100 with a technician it is easy.
So beware of this Choice Home Warranty company. Do not take any insurance from them. They are just a cheater. In their website you will find that they will replace it but actually they will not do it. I am trying to expose them with ABC and Fox News and they are already investigating. So go for other insurance company.