Choice Home Warranty
Reviews and Complaints

My hot water tank quick working on December 4th I have made numerous phone calls and all I get is the same thing we are trying to find someone to do the job we have gone out as far as 60 miles and still can't find anyone to do the job why don't you find somebody to do the job and will pay you. I AM 83 years old I bought a choice home warranty because of my age. I get the same runaround every time I call we're working on it will send you an email as soon as we find someone this is now 14 days and yet there is no plumber insight. Is this the way to treat senior citizens?

I called them on June 2th 2021 to tell them the top of my KitchenAid Double Oven wasnot coming to temperature. They sent out a rep from Sears to look at it.. He ordered a new board and temp probe. The one part came in, the second part took 2 months. I had to call Choice to see if he was going to come out and replace it. He scheduled a date to come out in August giving me a time frame of 8 hours... ( I own a business and cannot sit home for 8 hours and wait)... The tech's office called about 3:30 to tell me he had a "Personal " problem and they would reschedule...6 weeks later...

When that date came around, the office once again called and said that he was "SICK". and couldn't make it... it was now over 2 months.

In addition to all of this, CHW had my problem down as a :STOVETOP not a double oven. They wanted to send Sears out again.. I refused to see them again.. I didn't have another 8-5 pm time frame to wait for another NO SHOW excuse. I asked them to send out another firm... They told me I'd have to pay for another firm to come out and pay another "COP PAY.

Then they said they would pay me $300++ plus to replace my "stovetop" which was a double oven. I refused it... and then I waited again ...longer for their team to research it.. The offered me $1500 this time. To replace my oven was a min of $3300 _+ at Lowes. and that is what they said I had to use was a Lowes certificate.

So I had them send another outfit out.. and they actually did a good job checking it out.. but It blew up. So they told CHW that is was dead... on the spot. to replace it.

Now they put it thru the paces again and offered me $600+ this time.. I took it once again to have a determinate made on the price. They said
IT DIDN'T MATTER WHAT BRAND I HAD, IT DIDNT' MATTER IF I HAD STAINLESS OR ANYTHING ELSE.. IT DIDN'T MATTER WHAT FEATURES I HAD ON THE OVEN. NOTHING MATTERED AND THEY SAID THEY'D OFFER ME $1090... THIS TIME... SUCH CRAP... THEY ARE A SCAM OPERATION AND NOTHING THEY DO IS FAIR AND EQUITABLE.! STAY [protected]@!

They lie to you, I filed a claim for my dishwasher which had a seal that you cannot replace. It is a covered item, they sent out 2 different repair companies
which both stated that it was not repairable. Choice then offered me a $246 Lowes or Home depo gift card, so much for if it cannot be repaired, we will replace it. not even close they then came back with $350. N=The dishwasher is all stainless-steel GE profile with a stainless - steel tub. After have filed the claim on 10/18 and having gone through 3 different case managers who all stated that they do not replace them. I then called Choice to inquire about a policy, I asked first regarding their repair policy I taped the conversation, the agent stated that if we cannot fix it we will replace the unit with an equal or better unit. I then spoke with my lates case manager Peta and repeated what again I was told fix or replace, she stated that was not the case. I was told the same when I purchased the warranty, again they lie to you as they do not replace a unit that cannot be fixed, they prefer to give you a gift card. 1000% lying to you. read comments from employees many will state get ready to lie to customers. They lie to you and could care less, try reading the entire contract, a disaster. I know I am not the only one.

I purchased multiple policies to provide coverage on rental properties. My experience has been unacceptable. Here's my experience.

1. Extended delays providing service tech - I have had to wait over a month for Choice to find and deploy a service technician. This is a real problem when you have a heater fail in the winter, an air conditioner in the summer, or a plumbing issue that has water dripping.

2. Service professionals will not work with them. When the wait became too long, and I had to use the find my own technician, most of the professionals simply said they would not work with choice.

3. Failure to reimburse - When I have used the find your own technician option, which I have had to do multiple times, I have never been fully reimbursed for my expense.

4. Plan to spend a lot of time on the phone negotiation - When I have an issue I plan to spend at least 10 hours on phone and email negotiating for payment. Choice will tell me the issue is not covered and provide a description of the problem that the technician did not enter. (In several cases I watched the tech enter the information and it was not what choice said was reported as the problem). Choice will deny the claim or offer to pay only a small portion of the cost to repair or replace. For example, I replace a failed dishwasher. The basic replacement unit was over $600 plus the installation and disposal fee. For those who have purchased dishwashers recently, you know this is a base unit. Choice reimbursed $250 stating that CHW cost was $250 so that was all they would reimburse. In another unit I had a washer fail. A base model washer current cost around $500. CHW Reimbursed less than $250 AND provided reimbursement as a Lowes gift card.

5. No Refunds - I have expressed my displeasure with Choice's service and asked for a refund on my prepaid multiyear policy. Choice would only refund $200 on a $1800 payment.

We recently moved and HAD to purchase Choice Home Warranty. We had a slab leak in our home 9 months after moving in. We were without water for over 24 hours. We called a plumbing service to get an estimate that was able to come within just a couple of hours. When we contacted Choice Warranty, we were told they would send someone out to give us an estimate.
We could not wait for someone sitting in a call center to look up a plumbing service and hope that they were reputable.
When you move and are new to an area, you should be allowed to ask locals who is the best in the area. Not through some call center.
What a waste of money.

Choice Home Warranty provides the worst service and doesn't cover anything. I called in about my fridge not working. It took 2 weeks for a tech to come out only to tell me that they need to order parts which took another 3 weeks and while installing broke messed something up so now the light in fridge don't work. Had another tech come out a 3 weeks later stating that he will order parts which he never did. They jib was left unfinished. Next I called out my microwave blowing out the circuit with each use, The tech came out didn't charged me a service fee and I received an email stating that the choice is offering me $191 to replace my microwave. Considering I paid $65 to the tech who didn't do anything, That would mean $126 for microwave replacement. I called an electrician on my own and was told the microwave does not need to be replaced that it's the circuit that is the issue. I paid the electrician out of pocket to replace it and now it works. Next the motor on my furnace went out. Choice scheduled a tech a week out. The company is a one man show who cancelled 1 hr prior to end of the window frame. The following week they sent another one man show who charged me more that I paid for the policy because choice does not cover replacing the motor. I asked him about the corroded wiring and his said that that will be extra. Same happened with garage door - not covered. Basically they don't cover anything. You end up paying for everything out of pocket. The techs that they sent out are not trained. They have have not been in business for a long time and have no idea what they are doing. They don't have any professional companies that they work with. They people that came were never on time, cancelled at last minute and the ones that did show op were very creepy. Choice Home Warranty just takes your money and runs with it. Don't expect anything good from them. When you cancel the policy, they subtract any claims they paid out. They are very sneaky and unprofessional.

We had a plumbing issue and we have no water. It took a week for them to send someone out. I called the plumbing company they said they don't service that area. Choice Home Warranty said wait 24 to 48 hours so they gonna sign is someone else who tell us to be another week. Two weeks without water unacceptable. Well who knows the outcome I just know, NO WATER

Home Choice Warranty was pitched and sold to me ($565 for one year) as a service that would repair or replace my major appliances (built-in dishwasher specified) and that I'd only have to pay $65 technician charge to assess/repair/replace. - Dishwasher is a 4yr old GE Profile Stainless Steel ($1, 000) with additional upper wash system and rack for silverware - purchased warranty October 12, 2021 - dishwasher failed November 14, 2021 but works partially; was not running drain cycle and electric component was burning - Filed claim with HCW immediately (11/15 or 16) - Technician came to home same week - I paid $65; Technician determined the dishwasher needed $600 in repairs;HCW determined dishwasher is totaled and should be replaced for "long-term" solution - HCW forwarded digital offer of $250 in Lowe's gift cards to replace dishwasher; I REJECTED THIS OFFER - HCW missed 1st scheduled "Case" meeting for Tuesday 11/23 No-Call/No-Show, and NO Communications - Multiple attempts, messages to NO avail; rescheduled on their calendar for 11/30 @830am; agent called at 8:40am; I explained my frustrations and rejection, she came back and offered $350 to replace my dishwasher on the basis that it is "their wholesale distributor cost" for which, I DO NOT HAVE ACCESS TO! The agent clarified to my question that they will offer nothing more. I REJECTED THIS OFFER. - National average: $700 to $1, 970; typically $861 I CANNOT buy a replacement of similar quality dishwasher for less than $800. Their offer is based on a value that NO CONSUMER
has access to and is therefore WORTHLESS.

TERMS OF SERVICE AGREEMENT CHOICE HOME WARRANTY
A. COVERAGE
During the coverage period, Our sole responsibility will be to arrange for a qualified service contractor ("Service Provider") to repair or replace, at Our expense in accordance with the terms and conditions of this contract.

Your contract term (the dates that Your contract is in effect), Your contract fee, Your Service Fee, and Your equipment, systems, and appliances covered under this contract, are set forth in Your Coverage Details.
All systems (a) must become inoperative due to normal wear and tear; (b) must be located inside the main foundation or detached garage (with the exception of pool/spa, well pump, septic tank pumping and air conditioner); (c) must be in proper working order on the effective date of this home warranty contract. Known or unknown pre-existing conditions are not covered.
This contract covers occupied homes under 5, 000 square feet, unless an appropriate fee is paid.
Coverage starts 30 days after receipt of contract fee. Your coverage may begin before 30 days if We receive proof of prior coverage showing no lapse, through another carrier.
B. SERVICE REQUESTS
You must request service as soon as the malfunction is discovered and prior to the expiration of Your contract term. (Refer to Your Coverage Details for information on how to request service.)
Upon request for service, We will initiate service within four (4) hours. You will receive the name, phone number, and appointment date and time upon acceptance of the request by a Service Provider. In some circumstances, it could take more than forty-eight (48) hours for a Service Provider to accept the request.
We will not reimburse for services performed without prior approval.
You will pay a trade service call fee in the amount set forth in Your Coverage Details ("Service Fee") to the Service Provider for each service request you submit to Us.
If work performed under this contract should fail within 30 days, We will correct the failure without a Service Fee.
We have the sole right to select the Service Provider.
C. COVERAGE (COVERAGE DEPENDENT ON PLAN)
Except for Air Conditioning and Heating Systems, the Coverage is for no more than one unit, system, or appliance, unless additional fees are paid.

CLOTHES DRYER - COVERED: All components and parts.
CLOTHES WASHER - COVERED: All components and parts.
BUILT-IN MICROWAVE - COVERED: All components and parts.
OVEN/RANGE/COOKTOP - COVERED: All components and parts.
DISHWASHER - COVERED: All components and parts.
GARBAGE DISPOSAL - COVERED: All components and parts.
REFRIGERATOR - COVERED: All components and parts, including integral freezer unit. EXCLUDED: Audio/Visual equipment and internet connection components.
CEILING AND EXHAUST FANS - COVERED: All components and parts. (Builder's standard is used when replacement is necessary)
GARAGE DOOR OPENER - COVERED: All components and parts, EXCLUDED: Door or door track assemblies.
Air Conditioning/Heating/Ductwork - COVERED: All components and parts of the following systems: Ducted Central Electric Split and Package Units, Forced Air (gas, electric, oil), Geothermal, Wall Mounted Units, Mini- splits, Heat Pumps, Floor Furnace, Hot Water or Steam Circulating Heat, Electric Baseboard; and Duct from unit to point of attachment at registers or grills. If replacing, only the failed components and parts will be upgraded to meet government mandated guidelines. EXCLUDED: Outside or underground piping, well pump, and well pump components for geothermal and/or water source heat pump-Window units - Water towers - Chillers, chiller components, and water lines - Refrigerant line sets - Portable Units - Fuel Storage Tanks - Chimneys - Pellet stoves, Cable heat, Wood stoves (even if only source of heating) - Insulation - Collapsed Ductwork - Damper Motors - Legally mandated diagnostic testing when replacing heating or cooling equipment. We will not pay for any modifications necessitated by the repair of existing equipment or the installation of new equipment including but not limited to the required replacement of Air Handlers when replacing Condensers, and Condensers when replacing Air Handlers.
WATER HEATER (Gas/Electric) - COVERED: All components and parts, including tankless water heaters and circulating pumps. EXCLUDED: Holding or storage tanks - Vents and flues - Thermal expansion tanks -Fuel, holding or storage tanks - Noise - Energy management systems - units exceeding 75 gallons.
ELECTRICAL SYSTEM - COVERED: All components and parts, including Direct Current (D.C.) wiring, lighting fixtures (Builder's standard is used when replacement is necessary), and built-in exhaust/vent/attic fans. EXCLUDED: Audio/video/computer/intercom/alarm or security wiring or cable - Telephone wiring - Circuit overload - Face plates.
PLUMBING SYSTEM/STOPPAGE - COVERED: Leaks and breaks of water, drain, gas, waste or vent lines - Toilets and related mechanisms, toilet wax ring seals, faucets, shower heads, shower arms, valves for shower, tub, and diverter, angle stops, risers and gate valves (Builder's standard is used when replacement is necessary) - Hose bibs - Basket strainers - Built-in bathtub whirlpool motor, pump, and air switch assemblies - Pressure regulators - Expansion tanks - Sewage ejector pump (septic system sewage ejector pumps are not covered unless optional coverage D.8 is purchased) - Clearing of sink, bathtub, shower, and toilet stoppages - Clearing of mainline drain and sewer stoppages through an accessible cleanout up to 100 feet from access point - Clearing of lateral drain line stoppages up to 100 feet from access point including accessible cleanout, p-trap, drain or overflow access points. EXCLUDED: Stoppages caused by collapsed, damaged or broken drain, vent or sewer lines outside the home's main foundation - Lines broken, infiltrated or stopped by roots or foreign objects, even if within the home's main foundation - Bathtubs - Sinks - Showers - Shower enclosures and base pans - Toilet lids and seats - jets - Caulking or grouting - Septic tanks - Water filtration/purification system - Holding or storage tanks - Saunas or steam rooms - Costs to locate or access cleanouts not found or inaccessible, or to install cleanouts - Access through roof vents.
D. OPTIONAL COVERAGE (Requires Additional Payment)
POOL AND/OR SPA EQUIPMENT - Both pool and built-in spa equipment are covered if they utilize common equipment. If they do not utilize common equipment, then only the pool is covered unless an additional fee is paid. COVERED: Above ground components and parts of the heating, pumping, and filtration system including: Pool sweep motor and pump - Pump motor - Blower motor and timer - Plumbing pipes and wiring - Plumbing and electrical. EXCLUDED: Portable or above ground spas - Lights - Liners - Jets - Ornamental fountains, waterfalls and their pumping systems - Auxiliary pumps - Pool cover and related equipment - Fill line and fill valves - Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers- Fuel storage tanks- Disposable filtration mediums - Heat pump - Multi-media centers - Dehumidifiers - Salt water generators and components.
WELL PUMP - COVERED: All components and parts of well pump utilized for main dwelling only. EXCLUDED: Above or underground piping, cable or electrical lines leading to or from the well pump, including those that are located within the well casing -Well casings- Pressure switches not located on the pump - Holding, storage or pressure tanks - Booster pumps - Redrilling of wells - Well pump and all well pump components for geothermal and/or water source heat pumps. We will pay no more than $500 per contract term for access, diagnosis and repair and/or replacement.
SUMP PUMP - COVERED: Permanently installed sump pump for ground water. EXCLUDED: Portable pumps - Backflow preventers - Check valves.
CENTRAL VACUUM - COVERED: All mechanical system components and parts. EXCLUDED: Ductwork - Hoses - Blockages - Accessories.
LIMITED ROOF LEAK (Single Family Homes Only) - COVERED: Repair of shake, shingle, and composition roof leaks over the occupied living area. EXCLUDED: Porches- Patios- Cracked and/or missing material -Foam roofs - Tar and gravel or metal roof - Cemwood shakes -Masonite shingles - Flat or built-up roof - Structural leaks adjacent to or caused by appendages of any kind - Downspouts Flashing - Gutters - Skylights - Decks - Patio covers - Solar equipment - Roof jacks - Antennae - Satellite components - Chimneys - Partial roof replacement - Preventative maintenance. We will pay no more than $500 per contract term for access, diagnosis and repair and/or replacement. NOTE: If roof must be partially or completely replaced to effect repair, this coverage does not apply.
STAND ALONE FREEZER/ SECOND REFRIGERATOR - COVERED: All components and parts, including integral freezer unit. EXCLUDED: Audio/Visual equipment and internet connection components.
SEPTIC TANK PUMPING - COVERED: Main line stoppages/clogs. If a stoppage is due to a septic tank back up, then We will pump the septic tank one time during the contract term We will pay no more than $250 per contract term for access, diagnosis and repair and/or replacement.
SEPTIC SYSTEM - COVERED: Sewage ejector pump - Jet pump - Aerobic pump - Septic tank and line from house. EXCLUDED: Leach lines - Field lines - Lateral lines - Tile fields and leach beds - Insufficient capacity - Clean out - Pumping. We will pay no more than $500 per contract term for access, diagnosis and repair and/or replacement.
E. LIMITATIONS OF LIABILITY
This Agreement does not cover routine maintenance or malfunction due to misuse, abuse, neglect, or failure to maintain any system or appliance in accordance with manufacturer specifications. This Agreement only covers failures due to normal wear and tear. In the event a Service Request is denied, and a You seek to have Us review that denial, We have the right to request routine maintenance records in reviewing Our decision.
You agree that, in no event, will Our liability exceed $3, 000 per contract item for access, diagnosis and repair or replacement. You hereby waive all rights to claim, attorneys' fees, indirect, punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased.
We will pay up to $500 to provide access to covered items through unobstructed walls, ceilings or floors, concrete covered, embedded, encased or otherwise inaccessible covered items, and will return the access opening to rough finish condition. Our authorized Service Provider will close the access opening and return to a rough finish condition, subject to the $500 limit.
We have the sole right to determine whether a covered system or appliance will be repaired or replaced. We are responsible for installing replacement equipment of similar features, capacity, and efficiency, but not for matching dimensions, brand or color. We reserve the right to offer cash back in lieu of repair or replacement in the amount of Our actual cost (which at times may be less than retail) to repair or replace any covered system, component or appliance.
We are not responsible for upgrades, modifications, components, parts, or equipment required due to the incompatibility of the existing equipment with the replacement system or appliance or component or part thereof or with new type of chemical or material utilized to run the replacement equipment including, but not limited to, differences in technology, refrigerant requirements, or efficiency as mandated by federal, state, or local governments.
We are not responsible for service to meet current building or zoning code requirements or to correct for code violations including when replacement of systems is necessary.
We are not responsible for any repair, replacement, installation, or modification of any covered system or appliance arising from a manufacturer's recall or defect of said covered items, nor any covered item while still under an existing manufacturer's or distributor's warranty.
You may be charged an additional fee by the Service Provider to dispose of an old appliance, or system.
We are not responsible for the cost to obtain permits.
Electronic or computerized energy management or lighting and appliance management systems, solar systems and equipment are not included.
Coverage is not for commercial property or residences used as businesses or for the repair or replacement of commercial grade equipment, systems or appliances.
You agree that We are not liable for the negligence or other conduct of the Service Provider, nor are We an insurer of Service Provider's performance.
We reserve the right to obtain a second opinion at Our expense.
F. MULTIPLE UNITS AND INVESTMENT PROPERTIES
If the contract is for duplex, triplex, or fourplex dwelling, then every unit within such dwelling must be covered by Our contract with applicable optional coverage for coverage to apply to common systems and appliances.
If this contract is for a unit within a multiple unit of 5 or more, then only items contained within the confines of each individual unit are covered. Common systems and appliances are excluded.
Except as otherwise provided in this section, common systems and appliances are excluded.
G. TRANSFER OF CONTRACT & RENEWALS
You may transfer this contract at any time. There is no fee to transfer contract.
This contract may be renewed at Our option. In that event You will be notified of the prevailing rate and terms for renewal. If You selected the monthly payment option, You will automatically be renewed unless You notify Us in writing 30 days prior to the expiration of the contract.
H. CANCELLATION (SEE SECTION K FOR STATE SPECIFIC DETAILS)
This contract may be cancelled by Us for:
Nonpayment of contract fee by You;
Nonpayment of Service Call Fee by You;
Fraud or misrepresentation by You of facts material to the issuance of this contract;
Mutual agreement of Us and You.
You may cancel this contract at any time for any reason.
If You cancel within the first 30 days of the order date for a refund of the paid contract fee.
If you cancel at anytime after the first 30 days of the order date:
if We have not provided any services, You will receive a pro rata refund of the contract fees paid for the unexpired term;
if We have provided services and Our service costs are less than the contract fees paid for the unexpired term, You will receive a pro rata refund of the contract fees paid for the unexpired terms, less the service costs incurred by Us (unless prohibited by law);
if We have provided services and Our service costs are greater than the contract fees paid, You shall pay us the lesser of:
the difference between Our service costs and the contract fees paid; or
the amount by which the annual rate listed on Your Coverage Details page exceeds the contract fees paid.
In addition, You shall be responsible for an administrative fee of the lesser of:
$50 or
Such amount as is permitted by law.
I. RESOLUTION OF DISPUTES-MANDATORY ARBITRATION (SEE SECTION K FOR STATE SPECIFIC DETAILS)
MEDIATION: In the event of any dispute or controversy arising out of or relating to this Agreement, You agree to file a written claim with Us and allow Us thirty (30) calendar days to respond to the claim.
MANDATORY ARBITRATION: Any claim, dispute or controversy, regarding any contract, tort, statute, or otherwise, arising out of or relating tothis agreement or the relationships among the parties hereto shall be resolved byone arbitrator through binding arbitration administered by the American Arbitration Association ("AAA"), under the AAA Commercial or Consumer, as applicable, Rules in effect at the time the of filing. Copies of the AAA Rules andforms can be located at www.adr.org, or by calling 1-800-778-7879. The arbitrator's decision shall be final, binding, and non-appealable. Judgment uponthe award may be entered and enforced in any court having jurisdiction. Thisclause is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act (9 U.S.C. § 1, et seq.). Neither partyshall sue the other party in any court other than as provided herein forenforcement of this clause or of the arbitrator's award; any such suit may bebrought only in Federal District Court, or if any such court lacks jurisdiction, inany state court that has jurisdiction. The arbitrator, and not any federal, state, or local court, shall have the exclusive authority to resolve any dispute relating tothe interpretation, applicability, unconscionability, arbitrability, enforceability, orformation of this Agreement including any claim that al or any part of this Agreement is void or voidable. However, the preceding sentence shall not apply to the clause entitled "Class Action Waiver." THE PARTIES UNDERSTAND THAT THEY WOULD HAVE HAD A RIGHT TO LITIGATE THROUGH A COURT, TO HAVE A JUDGE OR JURY DECIDE THEIR CASE, HOWEVER, THEY UNDERSTAND AND CHOOSE TO HAVE ANY CLAIMS DECIDED THROUGH ARBITRATION.
CLASS ACTION WAIVER: Any claim, dispute or controversy, regarding any contract, tort, statute, or otherwise, arising out of or relating to this agreement or the relationships among the parties hereto must be brought in the parties' individual capacity, and not as a plaintiff or class member in any purported class, collective, representative, multiple plaintiff, or similar proceeding ("Class Action"). The parties expressly waive any ability to maintain any Class Action in any forum. The arbitrator shall not have authority to combine or aggregate similar claims or conduct any Class Action nor make an award to any person or entity not a party to the arbitration. Any claim that all or part of this Class Action Waiver is unenforceable, unconscionable, void, or voidable may be determined only by a court of competent jurisdiction and not by an arbitrator. THE PARTIES UNDERSTAND THAT THEY WOULD HAVE HAD A RIGHT TO LITIGATE THROUGH A COURT, TO HAVE A JUDGE OR JURY DECIDE THEIR CASE AND TO BE A PARTY TO A CLASS OR REPRESENTATIVE ACTION, HOWEVER, THEY UNDERSTAND AND CHOOSE TO HAVE ANY CLAIMS DECIDED INDIVIDUALLY, THROUGH ARBITRATION.
CHOICE OF LAW /VENUE: All issues and questions concerning the construction, validity, interpretation and enforceability of this Agreement, shall be governed by, and construed in accordance with, the laws of the State of New Jersey without giving effect to any choice of law or conflict of law rules. Any proceeding commenced pursuant to this Agreement shall take place in the State of New Jersey unless otherwise prohibited by law or agreed to by the parties.
J. SEVERABILITY
If any provision of this Agreement is found to be contrary to law by a court of competent jurisdiction, such provision shall be of no force or effect; but the remainder of this Agreement shall continue in full force and effect.

K. MISCELLANEOUS STATE PROVISONS
Cancellation
Alabama, Arkansas, Georgia, Hawaii, Massachusetts, Minnesota, New Mexico, Virginia, Wisconsin and Wyoming Residents: In addition to Your cancellation rights listed above, You may cancel this contract within 20 days (30 days for Hawaii Residents) of the date this contract was mailed to You or within 10 days (20 days for Hawaii Residents) of delivery if this contract is delivered to You at the time of sale or within a longer time period permitted under this contract and, if You have not received any service, You are entitled to a full refund of the amount paid by You under this contract. A 10% penalty per month must be added to a refund that is not paid or credited to You within 45 days (60 days for New Mexico Residents) after the cancellation of this contract.
Alabama Residents: If You cancel this contract after the refund period described in Section K(1)(a), We may retain an administrative fee of up to $25 for issuance of this contract.
Arizona Residents: The administrative fee permitted under Section H(2)(iv) will not exceed 10% of the gross amount which You paid for this contract.
Georgia Residents: We may cancel this contract only for fraud, material misrepresentation, or failure to pay. If We cancel this contract, You will be provided 30 days written notice regardless of the reason for cancellation; and We will refund 100% of the unearned pro rata purchase price, less any claims paid. After the free-look period specified in Section K(1)(a). You may cancel this contract at any time upon demand and surrender of the contract, in which case We will refund 100% of the unearned pro rata purchase price, less any claims paid.
Hawaii Residents: Your right to cancel this contract and receive a full refund under Section H(2)(a) is not transferable and applies only to the original contract purchaser.
Nevada Residents: If no claim has been made under this contract, You have the right to return this contract within 20 days of the date this contract was mailed to You, within 10 days of delivery if this contract was delivered to You at the time of sale, or within a longer period specified in this contract. In such a case, this contract will be void and We will refund to You the full amount of the purchase price of this contract. This right to void this contract is not transferable and applies only to the original contract purchaser. A 10% penalty per month will be added to a refund that is not made within 45 days of return of this contract to Us.
We will not cancel this contract, if it has been in effect for at least 70 days, before the expiration of the term or one year after the effective date of this contract, whichever occurs first except for: (a) failure to pay by You any amount under this contract when due; (b) Your conviction of a crime which results in an increase in the service required under this contract; (c) discovery of fraud or material misrepresentation by You in obtaining this contract, or in presenting a claim under this contract; or, (d) Your act or omission, or Your violation of any condition of this contract, the discovery of which occurs after the effective date of this contract and which substantially and materially increases the service required under this contract. Cancellation of this contract as permitted hereunder is effective 15 days after We mail the cancellation notice to You.

We will not cancel this contract, if it has been in effect for at least 70 days, before the expiration of the term or one year after the effective date of this contract, whichever occurs first except also for a material change in the nature or extent of the required service or repair which occurs after the effective date of this contract and which causes the required service or repair to be substantially and materially increased beyond that contemplated at the time that this contract was issued or sold. In the event of cancellation, You will be provided a pro rata refund less any outstanding balance on Your account.

We will not charge an administrative fee or a cancellation fee, or any other type of fee, for cancellation of this contract.

South Carolina Residents: If We do not provide a refund within 45 days of cancellation a 10% penalty per month shall be added to the refund.
Utah Residents: We may cancel this contract at any time for any reason, if this contract has not been previously renewed, and if this contract has been in effect less than 60 days when the written notice of cancellation is mailed or delivered. After this contract has been in force for 60 days, this contract may be cancelled by Us for the following reasons: (i) nonpayment of premium when due; (ii) mutual agreement of Us and You; (iii) material misrepresentation; (iv) substantial change in the risk assumed, unless We should reasonably have foreseen the change or contemplated the risk when entering into this contract; or (v) substantial breaches of contractual duties, conditions, or warranties. Cancellation for these reasons, except cancellation for nonpayment of premium, is effective no sooner than 30 days after the delivery or first-class mailing of a written notice to You. Cancellation for nonpayment of premium is effective no sooner than 10 days after delivery or first class mailing of a written notice to You. If We cancel this contract within the first 30 days of the contract effective date You will NOT be charged an administrative fee, and You shall be entitled to a refund of the paid premium less any service (claims) costs that were incurred by Us. If We cancel this contract after the 30th day from contract effective date, You shall be entitled to a pro rata refund of the paid premium for the unexpired term, less: (y) an administrative fee of up to $50 (where permitted by law); and (z) any service (and claims) costs that were incurred by Us.
Vermont Residents: In addition to Your cancellation rights listed above, You may cancel this contract within 20 days of receipt of this contract, if You have not received any service, for a full refund of the amount paid by You under this contract.
Virginia Residents: In addition to Our cancellation rights listed above, We may cancel this contract if this contract were to provide coverage before the time the residential property is purchased, should the purchase of the property not occur.
Wisconsin Residents: Your right to cancel this contract and receive a full refund under Section H(2)(a) as modified by Section K(1)(a) is not transferable and applies only to the original contract purchaser. The administrative fee permitted under Section H(2)(iv) will not exceed 10% of the gross amount which You paid for this contract. In the event of a total loss of property covered by this contract that is not covered by a replacement of the property pursuant to the terms of this contract, You shall be entitled to cancel this contract and receive a pro rata refund of any unearned provider fee, less any claims paid. This contract shall be non-cancelable by Us except for nonpayment of the provider fee, material misrepresentation by You to Us or the administrator, or substantial breach of duties by You relating to the covered product or its use. If this contract is canceled by Us, We will mail a written notice to You at Your last-known address contained in Our records at least 5 days prior to cancellation by Us. Our cancellation notice will state the effective date of the cancellation and the reason for the cancellation.
Wyoming Residents: Your right to cancel this contract and receive a full refund under Section H(2)(a) is not transferable and applies only to the original contract purchaser. If this contract is canceled by Us, We will mail a written notice to You at the last known address at least 10 days prior to cancellation by Us. Prior notice is not required if the reason for cancellation is nonpayment of the provider fee, material misrepresentation or substantial breach of duties by You.
Arbitration and Dispute Resolution
Alabama Residents: Any claim, dispute or controversy, regarding any contract, tort, statute, or otherwise ("Claim"), arising out of or relating to this contract or the relationships among the parties hereto shall be resolved by one arbitrator through binding arbitration administered by the American Arbitration Association ("AAA") in the state of Alabama, under the AAA Commercial or Consumer, as applicable, Rules in effect at the time the Claim is filed ("AAA Rules"). Copies of the AAA Rules and forms can be located at www.adr.org, or by calling 1-800-778-7879. The arbitrator's decision shall be final, binding, and non-appealable. Judgment upon the award may be entered and enforced in any court having jurisdiction. Neither party shall sue the other party other than as provided herein or for enforcement of this clause or of the arbitrator's award; any such suit may be brought only in Federal District Court for the District or, if any such court lacks jurisdiction, in any state court that has jurisdiction. The arbitrator, and not any federal, state, or local court, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, unconscionability, arbitrability, enforceability or formation of this Agreement including any claim that all or any part of the Agreement is void or voidable. However, the preceding sentence shall not apply to Section I(3) of this contract.
Arizona Residents: Arbitration under Section I(2) of this contract will not be an absolute dispute remedy and both parties must agree to arbitration. This arbitration provision does not prohibit an Arizona resident from following the process to resolve complaints under the provisions of A.R.S. § 20-1095.09, Unfair trade Practices as outlined by the Arizona Department of Insurance. To learn more about this process, You may contact the Arizona Department of Insurance at 100 N. 15th Ave., Suite 261, Phoenix, AZ 85007-2630, Attn: Consumer Protection. You may directly file any complaint with the A.D.O.I. against a Service Company issuing an approved Service Contract under the provisions of A.R.S. §§ 20-1095.04 and/or 20-1095.09 by contacting the Consumer Protection Division of the A.D.O.I. at 800-325-2548.
Georgia Residents: This contract will be governed by and construed in accordance with the laws of the State of Georgia. Arbitration under Section I(2) of this contract shall be nonbinding.
Utah Residents: ANY MATTER IN DISPUTE BETWEEN YOU AND US MAY BE SUBJECT TO ARBITRATION AS AN ALTERNATIVE TO COURT ACTION PURSUANT TO THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION, A COPY OF WHICH IS AVAILABLE ON REQUEST FROM US. ANY DECISION REACHED BY ARBITRATION SHALL BE BINDING UPON BOTH YOU AND US. THE ARBITRATION AWARD MAY INCLUDE ATTORNEY'S FEES IF ALLOWED BY STATE LAW AND MAY BE ENTERED AS A JUDGMENT IN ANY COURT OF PROPER JURISDICTION. THIS CONTRACT WILL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF UTAH.
Wisconsin Residents: Unless You decide to file a claim solely in Your individual capacity in Wisconsin small claims court and notify Us in advance of Your decision to do so, any claim, dispute or controversy, regarding any contract, tort, statute, or otherwise ("Claim"), arising out of or relating to this contract or the relationships among the parties hereto shall be resolved by one arbitrator through binding arbitration administered by the American Arbitration Association ("AAA"), under the AAA Commercial or Consumer, as applicable, Rules in effect at the time the Claim is filed ("AAA Rules"). Copies of the AAA Rules and forms can be located at www.adr.org, or by calling 1- 800-778-7879. You may elect to have any arbitration under this Agreement held in the state of Wisconsin or within the jurisdiction in which the covered property is located. The arbitrator's decision shall be final, binding, and non-appealable. Judgment upon the award may be entered and enforced in any court having jurisdiction. Neither party shall sue the other party other than as provided herein or for enforcement of this clause or of the arbitrator's award; any such suit may be brought only in Federal District Court for the District or, if any such court lacks jurisdiction, in any state court that has jurisdiction. The arbitrator, and not any federal, state, or local court, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, unconscionability, arbitrability, enforceability or formation of this Agreement including any claim that all or any part of the Agreement is void or voidable. However, the preceding sentence shall not apply to Section I(3) of this contract.
Wyoming Residents: At the time of any dispute, the parties hereto may agree to resolve their difference by arbitration in a separate written agreement. This contract will be governed by and construed in accordance with the laws of the State of Wyoming, any legal proceedings under this contract will held in the state of Wyoming.
Other Miscellaneous State Provisions
Arizona Residents: This contract does not cover known or unknown pre-existing conditions unless such pre-existing conditions were known or should reasonably have been known by Us or a person selling this contract on Our behalf.
Georgia Residents: This contract is bonded by Travelers Casualty and Surety Company of America, One Tower Square, S202A, Hartford, CT 06183 (the "insurer"). You are entitled to make a direct claim against the insurer in the event We fail to pay any claim within 60 days after the claim has been filed with Us. The last sentence of Section A(2)(c) is deleted and replaced by the following: Pre-existing conditions that are known or could have been detected by a routine home inspection or simple mechanical test are not covered.
Iowa Residents: The issuer of this contract is subject to regulation by the Insurance Division of the Department of Commerce of the state of Iowa. Complaints which are not settled by the issuer may be sent to the Insurance Division. The address of the Division is 1963 Bell Avenue, Suite 100, Des Moines, IA 50315-1000; and the Division's telephone number is (515) 281-5705.
Kentucky Residents: We maintain a performance bond issued by Platte River Insurance Company, P.O. Box 5900, Madison, WI 53705-0900 (the "insurer"). You are entitled to make a direct claim against the insurer in the event We fail to pay any claim within sixty (60) days after the claim has been filed with Us.
Nevada Residents: Weekend, holiday and evening service will be performed only in the event of a failure or malfunction of a covered system or appliance, for which repair is prescribed under this contract, which is essential to Your health and safety ("Emergency Repair"). An event will qualify for Emergency Repair if the emergency involves the loss of heating or cooling, loss of plumbing or substantial loss of electrical service and the emergency renders the dwelling unfit for a person to live in because of defects that immediately endanger the health and safety of the occupants of the dwelling. Repairs will commence within 24 hours after the report of the claim and will be completed as soon as reasonably practicable thereafter; and, if We determine that an Emergency Repair cannot practicably be completed within 3 calendar days after the report of the claim, We will provide a status report to You and the Nevada Commissioner of Insurance.
If You are not satisfied with the manner in which We are handling Your claim under this contract, You may contact the Nevada Division of Insurance toll-free at (888) 872-3234.

New Hampshire Residents: In the event You do not receive satisfaction under this contract, You may contact the New Hampshire Insurance Department at 21 South Fruit Street, Suite 14, Concord, NH 03301 or by calling (603) 271- 2261.
Texas Residents: This contract is issued pursuant to a license granted by the Texas Real Estate Commission, and complaints in connection with this contract may be directed to the Commission at PO Box 12188, Austin, TX 78711, (512) 456-3917. NOTICE: THIS COMPANY PAYS PERSONS NOT EMPLOYED BY THE COMPANY FOR THE SALE, ADVERTISING, INSPECTION, OR PROCESING OF A RESIDENTIAL SERVICE CONTRACT UNDER TEXAS OCCUPATIONS CODE § 1303.304.
Utah Residents: This contract is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department. Coverage afforded under this contract is not guaranteed by the Property and Casualty Guaranty Association. Purchase of this product is optional and is not required in order to finance, lease, or purchase a motor vehicle." For prior approval for services to be performed under this contract, please contact Us toll-free at 1-888-531-5403. We also may be contacted by email at info@homewarrantyadministrators.com. Weekend, holiday and evening service will be performed only in the event of a failure or malfunction of a covered system or appliance, for which repair is prescribed under this Agreement, which is essential to Your health and safety ("Emergency Repair"). An event will qualify for Emergency Repair if the emergency involves the loss of heating or cooling, loss of plumbing or substantial loss of electrical service and the emergency renders the dwelling unfit for a person to live in because of defects that immediately endanger the health and safety of the occupants of the dwelling. In the case of an Emergency Repair, You will not be required to obtain Our prior authorization for service. Only in the case of an Emergency Repair, You may directly contact a qualified and insured Service Provider to obtain service in the event of failure or malfunction of a covered system or appliance, for which repair is prescribed under this contract. Upon completion of the service, the Service Provider must provide You an itemized invoice for the charges. You should try to find a Service Contractor who will charge a fair and reasonable cost for parts and labor as You will be responsible for paying the Service Provider directly for the services rendered, including the Service Call Fee or similar charge up to the Service Call Fee, as well as all costs over and above those charged during normal business hours such as overtime. You will then submit the itemized invoice to Us for reimbursement up to the limit of coverage under this contract. Please call us at 1-888-531-5403 to find out the best way to submit the paid invoice; or, You may submit the paid invoice by mailing it to Us at 90 Washington Valley Road, Bedminster, NJ 07921, with an explanation of the emergency, when it occurred, Your name, Your account number and Your contact information. We may need to contact You for further information
Virginia Residents: If You are unable to contact or obtain satisfaction from Us then You may contact the Virginia Corporation Commission, at Bureau of Insurance, P.O. Box 1157, Richmond, Virginia, 23218-1157 or by calling (800) 552-7945.
Wisconsin Residents: THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE.
District of Columbia, Ohio, Pennsylvania, Tennessee, and Utah Residents: 30% of Your purchase price is for coverage of tangible personal property and 70% is for coverage of real property and fixtures.
L. Party Definitions
Throughout this Agreement ("Agreement, " "plan" or "contract") the words "We", "Us" and "Our" refer to American Global Obligors, Inc., 90 Washington Valley Road, Bedminster, NJ 07102, the Obligor of this Agreement, except in Alabama, Arkansas, Arizona, Florida, Georgia, Hawaii, Illinois, Iowa, Kentucky, Louisiana, Massachusetts, Minnesota, Nevada, New Hampshire, New Mexico, New York, Oklahoma, South Carolina, Texas, Utah, Vermont, Virginia, Washington, D.C., Wisconsin, and Wyoming.

In Alabama, the company obligated under this Agreement is Home Warranty Administrator of Alabama, Inc. (HWA-AL). In Arizona, the company obligated under this Agreement is Home Warranty Administrator of Arizona, Inc. (HWA- AZ). In Arkansas, the company obligated under this Agreement is Home Warranty Administrator of Arkansas, Inc. (HWA-AR). In Florida, the company obligated under this Agreement is Home Warranty Administrator of Florida, Inc. (HWA-FL). In Georgia, the company obligated under this Agreement is Choice Home Warranty, 2147 Route 27 South, 4th Floor, Edison, NJ 08817. In Hawaii, the company obligated under this Agreement is Home Warranty Administrator of Hawaii, Inc. (HWA-HI). In Illinois, the company obligated under this Agreement is Home Warranty Administrator of Illinois, Inc. (HWA-IL). In Iowa, the Company obligated under this Agreement is Home Warranty Administrator of Iowa, Inc. (HWA-IA). In Kentucky, the company obligated under this Agreement is HWA. In Louisiana, the company obligated under this Agreement is DMM Results of LA, Inc. (DMM-LA). In Massachusetts, the company obligated under this Agreement is Home Warranty Administrator of Massachusetts, Inc. (HWA-MA). In Minnesota, the company obligated under this Agreement is Home Warranty Administrator of Minnesota, Inc. (HWA-MN). In Nevada, the company obligated under this Agreement is Home Warranty Administrator of Nevada, Inc. (HWA-NV). In New Hampshire, the company obligated under this Agreement is Home Warranty Administrator of New Hampshire, Inc. (HWA-NH). In New Mexico, the company obligated under this Agreement is Home Warranty Administrator of New Mexico, Inc. (HWA-NM). In New York, the company obligated under this Agreement is Home Service Club Warranty Corp. (HSC). In Oklahoma, the company obligated under this Agreement is Home Warranty Administrator of Oklahoma, Inc. (HWA-OK). In South Carolina, the company obligated under this Agreement is Home Warranty Administrator of South Carolina, Inc. (HWA-SC). In Texas, the company obligated under this Agreement is HWAT, Inc. (HWA-TX). In Utah, the company obligated under this Agreement is Home Warranty Administrator of Utah, Inc. dba Choice Home Warranty (HWA-UT). In Vermont, the company obligated under this Agreement is Home Warranty Administrator of Vermont, Inc. (HWA-VT). In Virginia, the company obligated under this Agreement is HWA of VA, Inc. (HWA-VA). In Washington D.C., the company obligated under this Agreement is Home Warranty Administrator of DC, Inc. (HWA-DC). In Wisconsin, the company obligated under this Agreement is Home Warranty Administrator of Wisconsin, Inc. (HWA-WI). In Wyoming, the company obligated under this Agreement is Home Warranty Administrator of Wyoming, Inc. (HWA-WY). HWA, HWA-AL, HWA-AR, HWA-AZ, HWA-FL, HWA-HI, HWA-IL, HWA- IA, HWA-MA, HWA-MN, HWA-NH, HWA-NV, HWA-NM, HWA-NY, HWA-OK, HWA- SC, HWA-TX, HWA-UT, HWA-VA, HWA-VT, HWA-DC, HWA-WI, and HWA-WY are located at 90 Washington Valley Road, Bedminster, NJ 07921. DMM-LA is located at 1 Gateway Center, Ste. 2600, Newark, NJ 07102. HSC is located at 305 Broadway, 7th Floor, New York, NY 10007. Warranty Administration Services, Inc., 90 Washington Valley Road, Bedminster, NJ 07921 (WASI) is the administrator of this contract.

"Service Provider" refers to the members of Our network of third party Authorized Service Providers that complete the work under this agreement. Our obligations under this agreement are backed by the full faith and credit of the Obligor. (See section L for Party Definitions.)

We offer service contracts which are not warranties.

This is not a contract of insurance.

Terms may vary in different states.

On November 14 water stopped. I called Choice and initiated a claim and was advised someone should contact me within 48 hours. On November 16 I called Choice to follow up and was advised my service request had been canceled but was being re-initiated. I called back on November 18 and several times since and am told I should hear something within 48 hours. After 12 says I remain without water! and no word. Choice did say I could find my own well company and file for reimbursement under their guidelines

My contract # 6458407
my Central cooling and heating system is down from September 2021, after 3 months (11/23/21) tech brought replacement inside unit but: A) it did not have auxiliary heat kit, he may be forgot or have no Idea unit needs auxiliary heat kit or he notice replacement unit is different made than original unit C) now he is embarrass to order the missing part on a new unit which is different than my original unit, but asking me to pay him beside $2052 which I have already paid him, another $1300.00 he can go buy it and install it, as a result my home is cold and my unit do not have axillary heat kit to worm up my house, Tech do not want to order and he wants AHS to order it for him. Today(11/28/21) my home is cold and my unit even is on but because no axillary heat kit, unit do not and cannot worm up, on My thermostat, it has set up on heat 78, but always, nonstop just fan blowing out cold air and room temperature showing 68, which is very cold inside house. I have no idea after 3 months when AHS will fix my system; also the tech has very poor skill and very bad customer service, left behind very messy job. Do not care or has no idea my system fan blowing out cold air without Auxiliary heat kit which not included on the unit he or AHS ordered. The replacement unit was different made from my original unit which had everything, that includes Axillary heat kit.

I had your plumber come fix the toilet from moving, but after he finished, the toilet wouldn't hold the water in the tank. He said they don't make the parts anymore. So if they don't have the parts, he should not have fixed if because it wasn't leaking. It was moving side to side. Policy [protected] Phyllis Karl [protected]@aol.com

Called on a Friday evening about hot water heater. The only communication I got was that they were looking for a tech in my area and I would hear from someone shortly.

Followup - still looking for a tech in my area.

Sunday - still looking for a tech...I bought a hot water heater and had it installed. I needed hot water not excuses.

Monday - call from tech in my area who stated he doesn't work weekends. HaHa. Yes, he laughed and told me good luck in the future getting people to come.

I could not get service included under warranty and got run around; never could reach any one on phone. Here is an email I sent last week to their customer service and executives

"Happy Thanksgiving from a retired Senior Corporate Executive who recently enrolled with Choice Home Warranty and has had HORRID first experiences with your company over the last week. I have tried to reach someone, anyone to help etc and have been given no service and have been unable to figure out how to cancel! Further, to make the situation a bit more ironic, I get "HOW DID WE DO" Surveys………So before I turn to social media to let all know about what can happen, I am writing to you (assuming this gets to you ) and the Media department of Choice Warranty.

By the way, Mr. Mostofi, congratulations on your appointment to CEO a few months ago; your background and accomplishments might help the culture at Choice (assuming my tale is one of many) to recognize that this is an age of transparency, a time to embrace and build customer relationships to continue to grow revenue streams, not just acquire new customers.

In fact, I truly love the quote from Mr. Hakin "It has been an incredible 13 years at Choice Home Warranty, and I have witnessed the team grow from a few people in a small office, to hundreds of people across many locations, " said Hakim. "Choice Home Warranty today is positioned to thrive with the resources, infrastructure, team, and culture needed to succeed. It has truly been an honor to be part of building the fastest growing U.S. home warranty company, and I look forward to the Company continuing to evolve and grow under Jim's leadership."

I needed help asap when on 11/7 my ice maker on my Sub Zero refrigerator began leaking. Even after turning off the ice maker there was a leak from the water hose in the frig, thus I turned off the water source. I then turned to Choice Warranty, having purchased a warranty in July of 2021. Following all protocols I filed a claim, got emails telling me that the claim was received, that a repair service would be contacting me within an 6 hours. I followed the protocols checking status of claim which continued to say that by about 2 pm (a full 6 hours) i would hear……

Policy #: [protected]
Claim #: [protected]
LOCATION: 2435 Bedford St Unit 9A, Ridgeway
ISSUE REPORTED: Refrigerator
Alan WEISS

Thank you for choosing Choice Home Warranty to cover your most precious asset. We have received your claim and it is currently being dispatched to a CHW Technician.

Once a CHW Technician is assigned you will receive another e-mail with Company Name, Contact Information, & Date they will be performing the service.

You can track the status of your claim in your CHW Online Account Center at https://www.choicehomewarranty.com/account-center.

In the Account Center you can also:
View Your Plan Details
Download Your Contract
Submit a Claim
View the Status of Your Claim
Message with CHW Representatives
Edit Your Profile & Contacts
Renew Your Warranty
Update Billing Information
Make Past Due Payments
and MORE!
Then comes notification that NO MEMBER of you network will respond and tells me to file for reimbursement Which I do and then realize it really only served to accept the fact that no help would be forthcoming and in fact, reading the details, the claim was probably only to be used when YOUR repairs

We are a HVAC vendor/service contractor for Choice Home Warranty. I am sorry, we WERE a service provider for them until they decided to "remove our profile " after repeatedly asking for the money that was owed to us. Choice owes us no less than $15, 000. They have not paid us since we began working for them in August of 2021. We have played by their rules and played their game, giving them everything they ask for when they ask for it. Ex: address on COI was incorrect payments will not be processed until correct one is received. Ok. So we corrected and sent them the new COI with address they provided. A couple weeks later: no that is not the right address need new COI. How was it wrong when they provided the address to us? We have submitted invoices to them and have been told no invoices are being received. So we resubmit the invoices. I have resubmitted invoice after invoice and still the only payment we have received from them was for $255.00.
And, now today we are being accused of submitting pictures to them off the internet for a customer's leaking coil. We have held on to a few customers to finish out their work, because we care. I know …. A service provider that cares about their home warranty customers. It is not something Choice is use to. But, I had to resubmit diagnosis AGAIN for a customer along with the pictures and they reassigned it for 2nd opinion. Then almost 24 hours later they tell me we submitted pictures off the internet. I am sorry, what ? Is this another way they are trying to get out of paying me? Why try to say I submitted false pictures unless you are scamming us and the homeowner? Accusing us of submitting pictures off the internet is a flat out lie, farce a big Scam against us. We know that they would not have covered the repair, and this is a way of trying to falsely put the blame on us .
Are there any other contractors or vendors out there having the same issues or any issues? We have been waiting for 5 months for our net 30 pay. How does a company get away with this? How many hoops do we have to jump through in order to get the money owed to us? We have decided to start billing all the customers for the work done and include a letter explaining what has happened and why they are receiving a bill from your us. In the state of GA we can place a lien on property as licensed contractors. And, we are willing to go this far in order to get paid. The homeowners can then take it up with Choice. We don't know what else to do. After this the only other option is legal action, and we are willing to go that far too. But, right now after running out of pocket to complete the work for Choice, we are about to be broke. $15, 000 is a big deal of money to a small company. Why they want to destroy a small business that actually wants to do the work? That cares?
We just want to get our money!

CHW denied valid claims for repairs or replacement for our AC, our toilet, and in the past also a roof repair. They falsified the reports made to them by their technicians who came to our home to do the visual verification of the condition of our items. Also the technicians refused to supply us with a copy of what they filed to CHW with 1 exception. Most claims of any dollar amount are automatically denied and bogus reasons given / made up and sent to there policy holder. Its an endless nightmare of denials for coverage, of false reports being sent, of refusal to supply the policy holder of the report that is sent in to make the claim like now. - Team Alpha plumbers. The agent at their office has refused to send me a copy of what they filed for my toilet claim. Beware. Stay away. Save your money and your sanity. Bad BAD Choice with Choice Home Warranty

I opened a claim on 11/1/21. Choice called Sear (A&E Factory service) to assign the repair order. They visited our home on 11/2/21 after 1:00 pm. Service tech said we had a bad circuit board and ordered a new one. At that time, he informed my wife that he would be back on 11/11/21 to install the new board. We received the new board on friday, 11/5/21 and I notified both Sears and Choice that we received the board. NO one returned a call and I called choice several times afterwards to speak to claims rep to get Sears or someone else to install the board. But as anticipated, no one could be contracted so we had to wait for Sears. They installed the board yesterday, 11/11/21 after 1:00 pm, technician said it would take 6 hours to cool down. 18 hours later at 7:00 am this morning, refrigerator still not working. I have called both Sears and Choice, no one will help. they tell me sears next available appointment is 11/17/21 then a few minutes later, it said 11/18/21. The 3 choice reps keep repeating to me there is nothing they can do, the system is what it is and all I can do is wait until Sears shows up. I suggested they open a new claim to see if they can find a different service provider to come to our home sooner to re-evaluate and repair the refrigerator and they told me they could not do that. they would have to cancel the sears visit and start a new claim and they suggested not cancelling and just waiting because they have no idea if /who they can get to come analyze and repair the refrigerator. so, we have been without a refrigerator for 13 days and counting and now we have to wait until 11/17 or 11/18- I really dont know which day for them to send another inadequate service techintian to perhaps once again, make the wrong evaluation and who knows what happens after that. The refrigerator is an LG and less then 2 years old. Very sad service

Policy # [protected]
Claim # [protected]
Location 2585 Rosedale Drive Morrow, GA 30260
THUR., Sept. 2, 2021
CHW Technician: JAMES Appliances
Technician Phone: [protected]
I have spoke to James at least 2 times by phone to get the repair done. But he has not come to my house to complete the job. Also, I left messages on his phone and texts, too. Please help. Thank you.

To Whom It May Concern:
Policy # [protected]
Over $1000+ to have CHW to follow their slogan, promises...of "We Fix it or Replace it" as well as 24/7 hour service. I've been waiting for my dryer to get fixed since Oct. 17th when I placed 1st call to CHW. Here it is Nov. 11 and nothing. # times the tech did not show up at time sent and then, yesterday, tech either went to wrong house because no knock on the door or doorbell rang...I was upstairs, saw a call at 3:05 email said he arrived at about 3:15. I ran outside because I WAITED all day long - a 4th day wasted amongst numerous others as well as useless or misinformation in emails or wasted calls to numerous people including Kelly & Shauntal Dawkins at HQ ( supposedly) as well as Christian... numerous others ( I will say that it seemed Wendy & Gina - at resolutions at least tried to help expedite the tech arrival to no avail) regarding not one thing being fixed or replaced in regards to dryer, water heater or roof leak. It seems I just pay a technician $65 every time to be told CHW can't live up to their word because nothing has been fixed nor replaced and definitely not handled in professional way nor in a timely fashion and yes, I've been livid and furious because I should have paid the $1000+ to myself for all the days taken off, phone calls to find out why tech didn't show at appropriate time or in most cases not at all. I've many calls and numerous emails documenting this unprofessional handling of everything showing cancellations, rescheduling all due to not showing up the first time to fix or replace when it should have been handled 24/7in every case. BTW - none of the techs scheduled worked Sat. or Sun. and Angel didn't work Mondays so no, you aren't 24/7 get it done swiftly are you? Victor Haken is rich on people like me that trusted his company to come through if needed but he never intended to do so did he?

Had a major leak in shower. called and CHW said they are not an emergency service. I paid out of pocket 400.00, because water was everywhere. I called for the other leakds and they sent a person who took the money, and never came back. Called CHW they gave me a number for an appt. He never showed, could not get him on the phone, neither could CHW. Now they send a 3rd guy who came out at 7PM his appt was at 9AM. He said he couldn't fix the leaks, needed a new faucet.He was a home improvement guy and would not do it. I called the CHW and they said he needed to send a diagnoses which he said he did twice. They said they never received any diagnoses They said I could get a plumber, but he needed to take pictures and diagnose the problem. He did that on his phone and CHW said they got it and would authorize within 30 minutes. 2 hrs later no call and the plumber said he couldn't wait, Several days later and several calls, CHW said they received nothing. The plumber was unable to resend so I had them send to me and I sent to CHW. After 3 people who said they got it, they are now saying I have to resubmit but in my own words as additional notes. THIS HAS BEEN A NIGHTMARE AND IS STILL NOT RESOLVED.

I ask them to stop, to remove me, to block me every day they keep calling. I block the number, a new guy calls the next day
They will not stop no matter who I call and speak with. I do not know what to do.
[protected]/4 4:04pm - answered and asked to be removed
[protected]/2 4:04pm - answered and asked to be removed
[protected]/28 3:43pm - answered and asked to be removed
[protected]/26 2:50pm - declined call
[protected]/22 3:29pm
[protected]/22 12:29pm
[protected]/22 9:28am
[protected]/22 9:28am
[protected]/21 2:25pm
[protected]/21 11:23am