Choice Home Warranty Beware of Choice Home Warranty - take your money and don't pay for repairs Nationwide

I paid for a warranty with Choice last year.  A few weeks ago, I noticed my air conditioner wasn't cooling.  I called Choice and they sent out a technician on Friday 6/26/15.  Their technician said my compressor went out and needed to be replaced and I'd be hearing from Choice soon.

I never heard from Choice, but the technician left a message for me on Tuesday and saying that Choice had denied my claim.  I immediately called Choice.  Their claims representative said that that wasn't true.  They didn't have any information from the technician and were waiting on his report.

I called the technician back.  He said that was not true. He turned the report in while he was at my house on Friday and he had been on the phone with Choice at least twice on Monday trying to get them to pay the claim.  He felt like Choice was just stalling trying to get out of paying the claim.  He wrote on the report that the compressor is an electric part and they sometimes just fail.  He said that it was normal wear and tear.  He would call them again and suggested I call back in an hour or so. 

Called Choice back, and they again said they had never heard from the technician.  I told them what the report said and their representative told me if it was normal wear and tear they would pay the claim, but if it failed due to improper mainentance (along with several other reasons) they would not.

On Thursday afternoon, I called back again.  It's summer in Texas and I'm going on a week witout air conditioning and getting a little frustrated.  The claims rep tells me they still don't have the report from the technician.  This is comically ridiculous at this point.  I told him it was unacceptable and asked to speak with a manager.  He said he'd check into it and get back to me.  Within 5 minutes, I received an automated call saying that my claim was ready and to call.

I call Choice back and they informed me that my claim had been denied.  According to them, a compressor can only short for 4 reasons: lightening strike, power surge, improper maintenance, and another I can't remember (it wouldn't apply anyway).  Their own technician said that is not true.  He flat out said that electric parts can fail at any time for a number of reasons.  The cost to repair is between $1800-$2300. Choice just doesn't want to pay.

I asked to speak with a manager - no one was available. I said I wanted to cancell my warranty and get a refund.  The cancellation rep said I can't cancel, but then spoke to someone else who said I could and they'd give me $26. I asked to speak with a manager - again, no one was available.

I hung up and immediately called 5 independent air conditioning companies.  Every single one said that Choice is totally wrong.  Compressors can and do fail every day for reasons not on their list through no fault of the home owner.

I called the claims department back again, told them what these 5 A/C companies said and asked to speak with a manager.  THeir manager told me that the compressors are made to last at least 18 years and if they fail before that it has to be because of one of the reasons on their list - and therefore isn't covered. He also said they wouldn't know the real reason without cutting the unit open.  (Their own technician again said that isn't true either).

I gave Choice my money in good faith that they would make repairs if I needed them.  They won't listen to their own technician and I truly feel they had no intention of fixing my compressor.

They made their decision on Monday and left me to sweat.  It was unconscionable that they left me without air to avoid talking to me.  If I hadn't complained on Thursday, who knows how long it would've taken them to get back to me.

I would avoid this company.  They do not live up to their end of the bargain and have no qualms about leaving you without air conditioning for a week.