CPS CYA I purchased an appliance insurance plan from CYA . My range subsequently needed repair and I contacted CYA. I was charged a deductible of $125. I was led to believe the application was moving forward only to be very surprised when when the claim was denied. Brooklyn New York
On July 8 2016 my Bosch range costing $2149 was delivered. It came with a one year warranty. After one year I took out an insurance plan with CPS. I received a statement indicating that the plan for my range did not have a deductible, the maximum coverage was $2149, coverage date began 01/11/2017 and coverage ends on 07/10/2021.
When one of the burners would not ignite I contacted CPS (email, Nov 25 2020). and was surprisingly informed that the contract had expired. It was mid covid, life was complicated and I put the range repair on hold.
On December 1, 2020 I received a call from sales rep Josh King encouraging me to renew my contract which I had not planned to do. A condition for renewal which I made clear to Mr King was that the end date for the range insurance would be adjusted at CYA. He agreed. On December 2, 2020 I sent an email (of which I have a copy) to the store from which I purchased the appliance indicating that I had renewed the policy and that the sales rep with CYA was adjusting the date at their end.
February 4, 2021 I called CYA ready to move forward with the repair. When I called I was told nothing could be done until a $125 deductible was paid. I was surprised but felt coerced to pay it since I wanted the burner repaired. I received an email saying "This email has been automatically generated to inform you that your claim has moved forward successfully!" The next email said "Great news! REO APPLIANCE has been assigned to your claim. Please allow at least 2 hours for the service center to log your claim and then feel free to call (203) 838-7925 to schedule an appointment."
The next email from CYA was a denial of the claim with a settlement offer of $395 which is considerablly less than the $759 repair cost. Needless to say I was astonished and refused it. Nathan, the claims manager, came back with an offer of $426.18 which I accepted fearing that all offers would be withdrawn. They were holding the $426.18 and would not release it until I accepted the on line conditions. I cannot believe a waiver signed under duress is binding.
The repair cost for the broken igniter is $749. The deductible cost $125 . I received $426.18 leaving me with an out of pocket repair cost of $447.18. ($749+$125-$426.18=$447.82). Additionally, the cost of the the insurance policy was $341.43 (on which I can no longer make claims.)
I write this complaint to Ripoff out of consideration for future CYA purchasers of appliance insurance policies. I also feel complelled to meet the demands of my sense of fairness and justice. Additionally, I am thinking that perhaps CYA will reconsider their stance regarding payment of the repair cost.