Brad Collins promised us that all of our appliances would be covered after 30 days. We purchased 2 home warrantys for two rental proerties. We explained that the properties were rental properties and because we don't live there we a re never sure of the condition of the appliances. Well just after the 30 day waiting period a tennant on a covered property moves out and we discover that the refrigerator is not working. We call CHW. They send a tech who opens the frige door glances in the ice box, and without even removing a screw driver from his tool bag summarily declares that the frige needs a heater element, bi-metal, and motherboard. CHW refuses coverage stating that the broken parts were a pre-existing condition; never mind the 30 day waiting period designed to prevent pre-existing conditions from being claimed. We called them and their representative desperately tried to engage me in an argument. I told him that if he did not make good I would charge back on the credit card and that I would not argue. He became angry and hung up on me. We called the credit card company and started a dispute. Meanwhile we got a new home warranty (AHS) and they sent Sears out to fix my fridge. Turns out that only a heating element needed replacement and that this was not a pre-existing condition. Long story short... We won the dispute with the credit card company and the department of consumer affairs (the licensing agency) is using the information we provided them as further evidence in an action to rescind their license to conduct business.
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