Choice Home Warranty refusal to cover home repairs New Jersey

The first time I filed a claim was March of 2017 for non working HVAC. Claim denied due to some rust on the unit....$6000.00 out of pocket.  reqiested service for refridgerator 2/2018, claim denied... that icemaker isn't part of the refridgerator...??  Now it's 3/2018, leaking water heater.  Claim denied since it was a crack in the pipe to water heater, but pipe material is no longer covered...???? so $250 out of pocket to place a clamp around leaking area...short term fix.  I pitch a fit everytime I file a claim....falls on deaf hears.  Paid for extended term coverage since I'm on fixed income and was trying to avoid costly repairs/replacement...So far the only costly mistake I made was buying a worthless warranty.  When insisting on a refund, was told no but I could transfer to a different address....lolol Professional scam crooks!!!