Choice Home Warranty is such a SCAM....They find every excuse not to pay your claim. I recently filed a claim for my hot water heater and was denied. It only covers"Mechanical parts." Like the pressure gauge that probably cost less than I pay a month. When my A/C was leaking they denied it. The only ones making money are the Tech's that come out and take two pictures and charge you 45.00. Why even work fixing things when you can be a photographer and make 45.00 every fifteen minutes. Rather than work for it. CHW is a crappy company and I wouldn't do business with them again.