Home Warranty of America - HWA is a total ripoff, takes you money, avoids paying claims Lincolnshire, Illinois

We have several properties and for the last 2, we chose HWA Home Warranty at the realtors recomendation. We had an issue where the heater did not output any heat. They sent the most incompetent contractors and I found out from them, its because they pay peanuts so they send their rookies to work on it and if its too hard for them to fix, they just take your $50 and tell you to have HWA send a different trade. For example, we had a home heater issue, they said it was a water heater issue, the water heater guy comes out and says its a home heater issue. The other problem is these are low dollar calls for the contractor, meaning low priority calls, so we wasted 4-5 hours with each vendor waiting for them to get there. How many days can you afford to take off work to wait for a guy that will take $50 and not do anything. So we are out $320 for the policy which we just cancelled, we are out $50 to a hvac company that cant fix a heater and we are out $420 that we paid a guy that was recomended to fix it. After a lot of calls, I finally got them to agree to give us our $50 back and they explained all the money they will deduct from the $320 we paid them including some bogus $30 fee and prorated, blah, blah. I requested an arbitration hearing per their contract and they just ignored me.