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Choice Home Warranty / company doesn't pay claims

1 United States

I filed 2 claims on April 29, 2015, one for my broken front loading washer and the other for my oven. Let me just say they denied both, but the oven claim is where they really got creative. I was told that the technician reported that the control board of my oven went out. This caused the oven to malfunction while self-cleaning and catch fire. Get this they denied the claim based on the secondary fire (which is not covered) even though the technician reported the malfunctioned (brain). After I complained enough they offered me $91 to replace the control board of a totaled oven that the firemen, had to break the glass and door to put the fire out on. The technician reported the stove as a total loss. So after arguing with them to no avail, I told them as soon as my claim was settled I would be cancelling my policy. I was told by Warmesha that even though I was paid for the entire month of May, if I canceled then on the 9th of May, not only would I not receive a prorated refund, they also would not honor the existing claim and send me the $91 check. I argued that the claim/ incident happened during a time that I had coverage (April 27, 2015) and in fact I am still covered. They insisted that their policy stated that if I canceled they didn't have to honor my claim. So I said send me my check and then cancel my policy. Warmesha stated it didn't work like that, if I had any intention of cancelling, I would not be paid. Warmesha then stated that SHE was going to cancel my policy; I explicitly told her not to cancel, just send me the money ($91) for my claim and disconnected the call. This was 5/12/2015. I called today 5/19/2015 to check the status of my claim and was informed that my policy had been canceled by WARMESHA at MY request. After speaking to Michael ID #1852181 I was told that my policy would not be reinstated and my claim would not be paid since I was no longer a customer of CHW. I requested a manager and got Jose ID# 1852180 and was then told, that they never should have offered me any compensation and he was rescinding that offer. He also stated that he would try to reinstate my policy; I declined that offer and instead asked for a refund of my May premium. Jose stated that even though Warmesha canceled my policy against my will, they had not assessed me the $50 cancelation fee, if I insisted on a refund of the 3 unused weeks he would then apply the $50 cancellation fee. I then informed him again that this call as well as ALL previous calls regarding this claim was being recorded. He promptly hung up. This company is a SCAM, they are in business to collect premiums ONLY. Their moto is “you get more and pay less” the truth is you pay less and get NOTHING. Unfortunately, I didn’t check online reviews BEFORE signing with the company. Do yourself a favor and check ALL reviews and complaints and GO WITH ANOTHER REPUTABLE company. All the complaints are the, same premium collected, claim DENIED. I am contacting the AG, the BBB and any other legal recourse possibly available to me. I am going to diligently try and get a class action law suit filed against this fraudulent company. I f I could give ZERO stars I would, unfortunately like everything about this company you have to give them something.

May 19, 2015

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