Choice Home Warranty Denied Another Claim RIP OFF Edison New Jersey

This is the second issue with a claim being denied. After speaking with 2 different AC companies, the companies MO is to deny claim with proper information and then try to settle for less money to make customers pay part of the claim.

I had 2 AC repair companies look at my unit and both techs told me these fan motors go pretty regularly. The company sent the second company to re-evaluate the claim and I informed the rep I would be on the roof with the technician(Miguel) and I would record our conversation about his findings. He stated 3 times that there was no issue, with the cleanliness of my fan blades, especially since I had recently paid $200 to have my fan blades cleaned along with my coil(Part of my yearly service).

I believe they fabricate the reports and when I requested a copy of the report they denied to present it to me. After speaking with Jorge Capcillo, office manager at A&J Appliance Installation & Repair Inc.(786-719-7644) he informed me that his service tech Miguel did not report any neglect on my part, that these motors wear out very frequently. 

The Rep at Choice home Warranty, Nick Bennet stated that A&J did not report any neglect on my part and that the motor was not shutting off but runs fine. I asked her to supply me with that report and she refused. When speaking to the office manager Jorge, he said he had no physical report, because they upload the information on a company website. 

I was sent the exact denial letter from the outcomes of both companies that came to my house within 3 days. A&J Appliance mgr Jorge just laughed when I asked if dirty fan blades (which mine where not) could cause this issue. He said Choice "always scams people so they don't have to pay the entire claim" "and they force us to use SUBSTANDARD PAR