HWA Home Warranty of America legal theft Lincolnshire Illinois

I was sold this HWA insurance policy by one of their slick sales person promissing all this stuff they covered, I had the policy for a couple of weeks when I had a leak in my ceiling I called them and they send out a plumber I had to pay $75.00 he went into the bathroom upstairs and then wanted another $100 to cut a hole in my ceiling, he called HWA and they told him they would not pay for anything, he told me the company was a joke.  I called to cancel the policy and they said I would have to email my request so I did on Dec 30th - I called them  a week later and they told me it would take 6 weeks to get my refund, after almost 7 weeks I received my refund of $50.00 out of $560.00 that I paid them with no explantion I'm as mad as hell for being ripped off by this company, it cost me $510.00 for 3 weeks??  Buyer BeWare