CHOICE HOME WARRANTY False Advertising Edison NJ

Choice Home Warranty (CHW) asserts that by purchasing their insurance, they will cover all of your appliances and will replace your appliance if it is not repairable. What they don't tell you is that you are stuck with whatever contractor they deem fit (whether you feel comfortable with them or now) and that irrespective of how valuable your appliance is, you will only get a fraction of that coverage. What they also don't tell you is that you will spend a minimum of at least 8-10 weeks trying to get any appliance repaired -- very problematic if you're trying to repair an air conditioner in the summer or a refrigerator! I purchased my policy in June. The first claim I made was on August 3rd for my refrigerator over-freezing. The repairman who came out did repair part of the problem but then accidentally broke a part pertaining to my freezer. I then suddenly received a rejection letter letting me know they could not repair my refrigerator because of my contract which states the following:

1. Are located inside the confines of the main foundation of the home or attached or detached garage (with the exception of the exterior pool/spa, well pump, septic tank pumping and air conditioner);and
2. Become inoperative due to normal wear and tear; and
3. Are in place and in proper working order on the effective date of this home warranty contract. This contract does not cover any known or unknown pre-existing conditions. Coverage is for occupied, owned or rented residential property.

None of these apply to my situation so I am unclear about why they will not approve the repair. As of today (10-14-2020), I am still trying to get CHW to repair it. I get daily emails telling me a case manager will get in touch with me but no one ever does. Every time I call, I leave a voicemail message but no one ever returns my calls. If I call the main number, I am on hold for at least 45 min and am told a case manager has to resolve my problem. I have spent over 15 hours on this issue to date.

My second claim was on August 4th for my air conditioner which had suddenly started blowing hot air. A repair company showed up and the compressor shorted and blew during the repair. He put in for a full replacement. I subsequently spent two months waiting for someone -- CHW or their contractor -- to get me a replacement which meant a cheap, low-cost version. I requested to have an equivalent brand of what I had and pay the difference. The contractor never ever called back and repeated attempts for CHW to contact him resulted in them approving to just reimburse me the amount which was $1,300 (to replace my air conditioner cost of $3,000).   

Therefore, CHW is a ripoff...they don't do what they claim to do (reimburse you for the appliance) and they will drive you crazy and at least three months to just get a simple fix which would probably take you a week or two to do.