Choice Home Warranty Choice does not pay claims, they will always deny

I have had a home warranty with Choice for a couple of years. I have had two claims, both denied. The first time my central A/C wasn't cooling well; a tech came out and found a leak, the freon was leaking out. Choice denied this claim because they said the only possible cause for a leak was corrosion, and they don't cover repairs due to corrosion. No proof that the leak was caused by corrosion of course. The tech made a minor repair and re-charged the system, which I had to pay for.    

The second time, which was this week, the a/c stopped working suddenly. Their techs came out, took a brief look and said that they would not repair my system because it was too old. They said Choice would not pay for a whole system replacement, and demanded that I pay them right away $6800 to replace the whole thing. When I refused, they said they could fix it using used parts for $2000, and again demanded immediate payment.

I asked them to leave. The official line from Choice is that they don't cover claims caused by "lack of maintenance" and I was denied again. My outside coil was cleaned very recently and there was no debris or dirt build up on it. They said that the only possible cause for compressor failure is overheating caused by debris build up and that they cannot fail due to normal age, wear and tear.    I called another tech on my own and he looked at it and found no debris build up in the coil, and said it failed due to age; I paid him to replace the compressor.

Choice will do nothing but take your money, don't expect them to ever actually pay a claim, they will ALWAYS find a loophole or excuse to not pay.