When I bought my house, I immediately bought a home warranty from Sears. At some point, it turned into SearsCinch. It soon became just Cinch. Suddenly, I had to pay a $100 deductible in addition to my $85 premium. They could never find providers to come out to where I lived. They always ended up authorizing me to pick my own provider. I have always gone with CDL. I trust them, they're honest and do good work. Last year, in February, my HVAC unit wasn't putting out heat. It took me a couple of months to budget the deductible. Cinch authorized me to choose my provider. CDL came out within a week. I sent Cinch all the appropriate paperwork. A month or two later, Cinch still hadn't paid the bill. I contacted them and they said I lacked certain information. I was not sure what they needed, so I forwarded their email to CDL. Hoping they could provide the information Cinch needed. We have been going back and forth for a year, and the whole time, I'm accruing interest on the original bill. Eventually, after a year, Cinch said they would pay a portion of the bill. That was over a month ago, and they still haven't paid the bill. I experienced a brain injury about 5 years ago. In conversations now, I can pause unexpectedly. After almost a year of constant frustration, I asked the Cinch agent if she thought I was lying to her. Or if she thought I was scamming them. She didn't answer. I created a file to collect every email between us.
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