Endurance Warranty Services review: Refusal of claims after the waiting period

June 14, 2023, Contract purchased. July 30, 2023 I broke down 4 hrs from my home-husband was forced to do an emergency repair on a Sunday-called Endurance no answer/closed on Sunday. I tried to go online and file a claim but the system said I did not exist despite using my contract number. On Monday I called the number listed on the site for claims-asked what I needed to do and how. Told the CSR that answered that I needed to open a claim. I assumed that person was opening a claim-turns out that person didn't do anything and on 8/22/23 the claim was denied because it "wasn't filed in 5 days" and the "person I spoke with was not an adjuster" - I had no idea what the persons title was but I was calling on the 'claims number' from the website. On my way home after the emergency repairs, 8/1/2023 my transmission started grinding. I made it home, informed our mechanic, he had emergency eye surgery but we called and gave the information for a claim. We were told an inspector needed to come out and see the truck. We waited, nearly 2 weeks and the inspector showed, provided all receipts and all information. 8/22/23 Endurance denied the claim saying that the issue was preexisting and "I should have known", "I must have heard it for weeks before I was out of the waiting period", etc. etc. I was treated like I was lying and as if I had planned to break down. They had incorrect dates, incorrect information, and refused to hear my side. They assumed that the torque converter was damaged prior to the report of the claim - there isn't info about what is causing the failure. The main denial info is - 18 days past waiting period and 639 mi past waiting period hence none of these parts could possibly breakdown within the time frame! I am flabergasted at the treatment and the "assumptions" and the "guesses" and the lack of correct informaiton.