Choice Home Warranty Denied all claims Edison New Jersey

I contacted Choice Home Warranty to find out about getting reimbursed if I decided to use my own plumber. Got the information, called my plumber, he comes out ($64 service charge, not covered) and says my hot water heater needs to be replaced. It's 16 years old and is no longer up to code. Choice Home Warranty (CHW) denies the claim because "insufficient detail was not provided." 

I ask to get one of the plumbers on their network. Two weeks later, they come out ($75 service charge, not covered) and say the same thing my plumber said, namely, the heater is 16 years old and needs to be replaced, it is also not up to code. Their claim is denied.

I phone them the next day and the only information I can get from them is that they are researching other plumbers in my area and when one is located, they'll contact me.

Here is their scam: delay by continually sending out different technicians on their network until they find one that will not replace something (even though the current item is out of code), but repair it. When the item does, finally, break down and they are not able to find someone to fix it, they deny all further claims because the item was "repaired."

Avoid this company like the plague. They will rip you off.

I am reporting them to the Colorado Division of Insurance and am disputing all charges with my bank.