Choice Home Warranty Suckered Into Buying Choice Home Warranty Insurance Edison New Jersey

Adam Green, sales agent for Choice Home Warranty, called me on December 9, 2015.  He gave me a glowing sales pitch for  Choice Home Warranty and also said that I Could Cancel the Contract at Any Time that I wanted to do so and the cost wold be pro rated for the time used and the entire rest of the money would be refunded to me , simply upon my request .   I actually received the booklet of the contract over a month later, past the 30 days allowing me to cancel with Choice at no cost but also I was told that I could not use the policy for the first 30 days.  

The policy has so many exclusions and so many exceptions that  it seems to me that they can exclude almost any and every claim made.   Even reading the contract doesn't really give you the ability to know if you have done what they require before they will make good on any payment.  Like -  contract says that all preventative maintainence has to have been kept up by the client - me.   

If I know what all that is, of course I would have done it, but not knowing and needing repairs/ replacements is part of the reason why anybody woud by a Choice HOme Warranty plan in the first place.  I had a leak in our roof - it was a shock to us,  we had done reparis and partial replacements on the roof a few times and we believed the roof to be in excellent conditon.  Choice sent a roofer, I paid the $45 survice call for that, the roofer reported back to Choice that we needed a partial roof replacement so Choice then told us we are not covered for that.  

I called to complain, then one superisor did authorize a minimal payment to us for the roof repairs we had done ourselves with another roofer who was not connected to Choice at all, and it was Not a Partial Roof Replacement at all.  I sent the bill in that we paid for that, and was went  $400 .  The cost of the roof repairs was $1300 but it also included some facia work that we added in along with the roof leak repairs.  So - ok - but at that time I realized that this company was going to be difficult to deal with  no matter what.  

I called in to cancel our contract, of course agree to be prorated for the time we had it, but another supervisor , so we wre told, '' Aaron''  at x 8290  told me that I could not cancel unless he agreed to allow me and that he, Aaron , did not agree. Aaron spoke to me like I was some ignorant country bumpkin, he was impolitely rude to me, very much a smart A** in manner and conversation to me.  Meanwhile,  I had another issue.  

Two of our 2 bathroom sinks were draining slow.  In each bathroom, we have 3 items, toilet, shower and sink.  The toilets and showers were just fine, both sinks are slow draining - obviously their drains needed clearing , maybe something fell into them ?  I know i dropped a toothbrush into one of the sinks by accident.  

We called Choice .  They recommended a local plumber Minks Plumbing, to come with the guarantee that they either fix or replace any job.   I was told that also.  Mings came and did some general plungering I think, maybe ran a small snake, was not watching him.   The drains continiued to be slow .  Mings told us that he needed to fun a camera down the pipes to verify the condiion , cost $450 , for us to give him a check but that he woul;d take care of everythng with our HOmewoners insurance company and it would not cost us anything .  

We were so stupid to fall for that and we gave Mings the check for $450 also the $45 service call.  

Mings told Choice that we have a blockage outside the house - that is not covered in the Choice contract - but we do not . i called Choice to advise them and they said we are on our own , that this was not their deal and Choice has no responsicbility.   Choice sent Mings plumbing to us and we still have slow drains.  

 Mings never showed us the camera reslults that he says he did yet he claims an outside blockage.   Choice is doing nothing  to back this up for us.  

We just had a new spetic tank drain field and empty done in December 2015 and it is verifiable that all new pipes were laid ourside of our house at that time, and yes, we sure do have the documentation of it.   Also, all 3 toilet, tub, and sink go into the same pope en route to the septic tank and only the sink is slow - clearly only the sink has some back up an not outside the house but inside the sink pipes.  

Mings said he would come back and re camera the pipes but missed, broke and no showed at least 4 appointments to do that and he never did come back to  run a camera but he cashed the $450 check .  

Since Choice is doing nothing to remedy this situation for us, we even more strongly want to cancel the remaining contract that I foolishly paid them for totally back in Dec 9, 2015 .   We are only 4 months into a 5  year contract with Choice Home Wattanty and already have had 2 disaster situtions with their referrals and are out $450 plus the $45 service call to  clear the drains of our sinks that Still Are Slow.  

Choice Home Warranty has way over the top requirements of maintanance and exclusions for what they do cover and we do not turst anything having to do with them at this point.  We just want to cancel our contract with them and be given our money back - minus - the 4 months we have used it .  We paid over $2.000 and this amount is documented on my  credit card.