My range hood failed in April 2022.
At the time of failure, the technician stated that the repair would require significant work.
Cinch subsequently reported that the technician classified the unit as Commercial, and on that basis, my claim was denied.
From April 2022 through August 2024, I disputed this classification and repeatedly provided the correct model number, which clearly identified the unit as Residential. After numerous hours of phone calls and follow-up, Cinch ultimately acknowledged that the unit is residential.
From August 2024 through July 2025, I continued to make repeated calls seeking a resolution. During this period, I was informed that the claim remained denied because I had not obtained “authorization” following the denial. I emphasized that it is not possible to secure authorization once a claim has already been denied—an argument that was eventually acknowledged to be unreasonable.
From July 2025 through September 2025, I was told repeatedly that the matter was still “under review.”
At this point, I am more than three and a half years into pursuing the resolution of a single claim. Despite my consistent efforts and good-faith compliance with every request, the claim remains unresolved, with the same assurances to “look into it” repeated for years without meaningful progress.
For context, I have paid approximately $600 per year in premiums, totaling over $2,100 during this period, without receiving the benefit of coverage for this loss.
Recommendation: Take your 600 and put it in a bank repair account