Choice Home Warranty Air Conditioning condensing coil premature failure and not covered Edison New Jersey

I have and an American Standard 5 ton AC unit which began to leack.  I called for service and had a gentleman show up and diagnosed the problem.  The problem was a leaking condensing coil that needed Soldering to stop the leak.  

 I was called by Choice Warranty to have thme tell me the repair was not covered due to the fact that this was what they called premature failure.  The unit is 10 years old. I don't know what that means.  They would not explain. I cancelled the policy and called the AC company that made the diagnosis and paid for the repair myself.

 What a joke. Beware of a contract that has now line of covered parts and labor and paragraphs and paragraphs of not covered items and labor.