Complaint Review: HOME WARRANTY OF AMERICA

This company is unethical and unprofessional. My air conditioner wasn't working properly and I called them for a service call. The first technician diagnosed the problem wrong twice ($120) and I asked for a 2nd opinion. The next technician (another $60) said that my AC-furnace was shot and dangerous due to electrical problems. Yhe first technician never even looked at the furnace. Water was in the unit and on the floor. He sent in a report explaining the problems, and after 1week of 95 degree weather, they refused to fix it because it required a "modification". An older AC that uses freon requires a modification and they don't approve modifications. I just bought this house and no one (title company, home inspector, realtor, lawyer) knew that this situation was an exclusion because it is called a modification. This tactic is unscrupulous and misleading. I am an educated person that has owned several homes, and even owned a mortgage company. Never have I seen anything this underhanded! This is just a way to avoid expensive repairs or replacements. They told me to pay the $2200 to replace the main parts and they would cover the rest, or give me $1000 to call it even, however, they won't put this in writing. This company uses "fine print" to take advantage oThis post is a follow-up to the complaint I presented yesterday. I heard from HWA to "explain their policies and go over any misunderstanding about the contract and to see which resolution I wanted: spend $2200 for upgrade by AC-furnace or
$1000 cash in 4-6 weeks to make my own repairs. Keep in mind I have been without air conditioning for almost 2 months.

Read this passage of my coverage:
Gold - Contractholder is responsible for $60.00 service fee or actual cost of service,
whichever is less, on service calls. The following items are covered under your home
service contract:
Air Conditioning, Heating, Water Heater, Electrical System, Plumbing, Dishwasher,
Garbage Disposal, Built-In Microwave, Trash Compactor, Ductwork, Range, Oven,
Cooktop, Door Bells, Garage Door System, Ceiling Fans, Central Vacuum, Burglar & Fire
Alarm Systems, Exhaust Fans, Whirl Pool Bath, Sump Pump, Instant Hot Water
Dispenser, Unknown Pre-Existing Conditions, Duplex

Now read this and tell me how many of you understand this or even read this before the purchase-

AIR CONDITIONING/COOLER (not exceeding 5 ton capacity and designed for residential use) (Included in Premier Plus plan)
INCLUDED: Ducted electric central air conditioning, ducted electric wall air conditioning, geothermal/water source heat pumps, and water evaporative coolers - All components and parts except for geothermal/water source heat pumps, all components and parts that are located within the foundation of the home or attached garage. When SEER standard/R-410A upgrade is purchased, for units below
DTC1-2015
SEER standard and/or R-22 equipment standards and when HWA is unable to facilitate repair and/or replacement of failed covered equipment at the current SEER rating or with R-22 equipment, repair and/or replacement will be performed with SEER standard/R-410A equipment and/or 7.7 HSPF or higher compliant.
EXCLUDED: Gas air conditioning systems - Condenser casings - Registers and Grills - Filters - Electronic air cleaners - Window units - Non-ducted wall units – Water towers - Humidifiers - Improperly sized units - Chillers and chiller components - All exterior condensing, cooling and pump pads – Roof mounts, jacks, stands or supports - Condensate pumps - Commercial grade equipment - Outside or underground piping and components for geothermal and/or water source heat pumps - Cost for crane rentals - Electronic, computerized, and manual systems management and zone controllers - Air conditioning with mismatched condensing unit and evaporative coil per manufacturer specifications – Improper use of metering devices (i.e., thermal expansion valves) - HWA is not responsible for the costs associated with matching dimensions, brand or color made – Except when the optional SEER standard/R-410A modifications coverage is purchased, HWA will not pay for any modifications, upgrades, or additional work needed to evacuate and/or clean a system of R-22 necessitated by the repair of existing equipment or the installation of new equipment. NOTE: HWA will pay up to $10 per pound for the cost for refrigerant for authorized repairs. You are responsible for payment of any costs in excess of $10 per pound.
PREMIUM COVERAGE INCLUDES: Filters, costs related to Freon recapture, and window units.

WHAT??? 
So, when does the consumer learn if the AC in the new home is standard R-410A or R22? Who is supposed to inspect this? Does anyone talk about this before purchase? HWA can avoid making replacements whenever they want by calling it a modification and then excluding it. This is an unfair bargaining position when the contractor can redefine any repair as a modification. I want to see a list of ALL MODIFICATIONS, (which there is none) and I suspect they are all expense repairs or replacements. Again, unfair. I would not have purchased this warranty if I had any idea they would treat me, a senior citizen, like this. 
NOT FAIR HWA. CONSUMERS ARE BEING TAKEN ADVANTAGE OF. NOW I AM WITHOUT AC OR A FURNACE. This may be in the contract, but it's not right and it's not fair.

Beware of HWA!