Claimant says: "I have a home with an older AC unit. It was built in 1994. That makes it approximately 22 years old. I???ve only been in the home for 5 years. I had a heating failure and the tech said the compressor is out. I buy air filters by the case and replace monthly except in spring and fall because I do not run the AC/Heat for a couple of months during that time of the year. I also have maintenance done on it to ensure it is in proper working order.
Last year, perhaps a little longer, I got CHW to consolidate my reside”
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Claimant says: "I have a home with an older AC unit. It was built in 1994. That makes it approximately 22 years old. I???ve only been in the home for 5 years. I had a heating failure and the tech said the compressor is out. I buy air filters by the case and replace monthly except in spring and fall because I do not run the AC/Heat for a couple of months during that time of the year. I also have maintenance done on it to ensure it is in proper working order.
Last year, perhaps a little longer, I got CHW to consolidate my residence with a couple of rentals I have. They do not pre-inspect and have no idea what the initial condition of the 20 year old unit was (20 years old at that time). And thus no way of knowing if I didn???t maintenance it since getting the warranty with them or whether the unit was in bad shape before I got it and I have made it better. They accepted the contract of a 20 year old unit and have no way to know what has happened in the last year or two.
According to CHW, the claim against my covered component is denied due to maintenance issues. But they have no way of knowing. The maintenance guy is called out before the AC season (closer to June here) and before the Heat season (closer to October here). Thus, if some level of dirt, rust and corrosion has built up on the unit, it is over the season (does not mean not maintenance). This is Alabama. Humidity is high. Rust and corrosion do not take long especially on already aged AC units.
In addition, it is imperative that people know the equipment being covered. Their contract reads something similar to: All components on a water heater are covered except the follow. Then a fairly significant list of parts are listed along with tankless and geothermal and ??? and ??? and. If you do not know how a piece of equipment is made, you have no way of knowing if what they ???do??? cover is something to be concerned with or if they just excluded all the important parts and only have parts that never fail before replacement is necessary.
I find it unreasonable that the home owner must be very well informed on the internal workings of ???covered equipment??? to know how it is going to impact them.
I have had several home warranty companies. I had Old Republic previously and they treated me much better. Every claim I had filed with them was covered without fail. The only reason I shifted is because a property I purchased as a rental had CHW included. Old Republic contract was expiring and I consolidated to a single company. Great mistake. I strongly recommend against ever using Choice Home Warranty. It seems to me that their policy is deny all claims. Also, testimonials are cherry picked as I have sent comments to them that didn???t make their page.
Do not believe them. They offer ???free month if you renew early??? and other such incentives. However, I believe they can only do this because they rarely pay a claim. Anything can be denied for maintenance when no ???proof??? is required of them. The burden of proof is on the company when they claim no maintenance and there is no way that my 2 years or less of time with CHW has caused the ???strain??? they claim my ???lack of maintenance??? has caused.
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