Home Warranty of America HWA Falsified contractor reports to avoid payment. Lincolnshire Illinois

We are now on our second claim that HWA is refusing to cover.    The first was a busted water line on a 13 year old dishwasher.  My husband was advised that it was likely it would just be replaced due to its age and that parts weren't generally fixed in these situations.  Upon further action, my husband was advised not to pay to have a tech come out because it likely wouldn't be covered due to my husband pulling it out to remediate the flooding in the kitchen to lessen the homeowner's insurance claim.  He was told it would not be covered b/c it couldn't be seen by a tech in the broken condition.  We were offered the opportunity to buy one at the HWA wholesale cost which was higher than what Lowe's offers in standard pricing.  So obviously, one appliance down and NO support from HWA.  The second is now our air conditioning unit.  We turned it on last week and after a cleared inspection in February, it barely blew any cold air.  We filed a claim, the tech came out and told us there is a leak in our coil and we need a new coil.  I have a copy of the report sent to HWA.  HWA called an stated it wasn't covered because the technician reported the cause was rust which couldn't have possibly been from "normal wear and tear" or "current usage".  First, copper doesn't rust, and upon inspection, there is no rust.  Second, I called Baptist Heating and Air and they claim rust is NO WHERE on their report.  Once the contractor called HWA and clarified the reporth, HWAs story changed and they are saying the hole is "massive" and that makes it a preexisting condition.  Bottom line, we bought a foreclosure that has been vacant and were sold a warranty for the peace of mind that issues would be covered.  It is clearly no their intent and they will go as far as to falsify information to avoid payment.  Consumers beware.