Choice Home Warranty review: They don't meet their contract terms. Deny everything or promise your reimbursement but never send it.

Had two claims. The 1st a broken refrigerator. Waited many days, no one assigned. Then we were told to find someone ourselves and they will reimburse. So we did. Guy said not repairable so we ask about replacement. They will send us $400 of lowe's coupons in 20-30 days! We explain it is a refrigerator - that is too long. They say ok pay for it and we will reimburse you up to $400 so we do - that was in june- it is almost September and not a dime.
2nd claim broken fan in attic. Since it was making a loud noise and was quieter or stopped making the sound when we turned off the A/C, thought it was related to that. Guy came and said fan needs to be replaced. Choice Home Warranty denies claim because it was filed as A/C even though it is a covered item regardless. The guy who was here has replaced many of these items and they directly impact the load placed on the HVAC system. They want me to pay again. How would I know what category to enter? it has a thermostat - how should I know or care what category it falls under. If they thought a fan in the attic might not be A/C, they should have said so when I filed the claim. I don't think I should have to pay for another diagnosis. It's not like they have ever sent me a penny back that they owe. I never thought I would say this but this company is worse than AHS. Oh I was told there was no supervisor or higher authority to talk to, no method of filing an appeal or a complaint. None of that makes sense. One more thing, they send you an email with a phone # and extension and ask you to leave a voice mail but the system does not allow voicemails. And they say they attempted to reach me but never had a missed call from them and my phone number is correct in their system. They lie at every turn and each person you speak with has a different lie but the same outcome.