On April 6th 2019, I smelled gas in my home. The gas company came out and it was found that the regulator was leaking causing the gas smell. After calling HWA, I filed a claim and they said they were going to send someone out. The person they sent, called before arriving and asked what the part was for the issue. When I told him it was a regulator, he stated he didn’t know why they sent him out, he was a plumber and that he didn’t work on stoves/ovens. He advised me that they (HWA) does this all the time, and also stated that they “give incentives to say nothing is wrong so that they can deny claims.” He advised me to call them back and ask that they send an appliance tech to come out and overlook the issue. After calling HWA back, I spoke to a representative that was absolutely rude and became very defensive when I asked that they send an appliance person to look at my stove/oven. Eventually, they sent out someone from an appliance place. After the appliance person came, they found the leak and seen how my stove was “red tagged” due to the leak. The appliance person stated that they would order the part and get the approval through the HWA because it in fact, needed to be repaired. They stated it would take a week for the part to come in and then they would contact HWA for approval and be back out. After 2 weeks we called the appliance place, and they said that the HWA hadn’t approved it yet, and that they had already tried to contact them, but that there was no approval. My husband tried to contact HWA, and they stated that they needed the home inspection, however; they never called to retrieve the inspection or even to tell us that’s what they were waiting on. After my husband sent it, they then said they couldn’t approve it because it needed to be in the form of a “pdf file.” My husband sent over the inspection as a pdf file via email, and then they said to contact them to “further discuss the claim.” At this point, it had already been 5 weeks from the initial claim, and when I contacted them for the “discussion” they informed me that they denied the claim because on the inspection, it said that the igniter didn’t work properly. I explained to them that the igniter (stove by the way) was not the issue for the claim, the claim was in regards to the regulator leaking gas. The gentleman’s name (and he was most definitely not a gentleman) was Ricardo C and he was absolutely rude, obnoxious and disrespectful. He kept cutting me off and when I was speaking, he would say “let me know when you’re finished..” and he kept rushing me off the phone. I asked several times to speak to his supervisor and he kept telling me no, then that he was unavailable, and told me to hang up and call someone else. It seems as if the contractor they sent me to was absolutely right, they do anything to deny a claim. Their excuses were absurd and Ricardo was absolutely unprofessional. When asking for his manager, he refused to give me his information. He also told me it’s “not relevant” that I was asking for his call center to inform BBB and that his supervisors information was not his to disclose (all I asked for was his first and last name) which I found ridiculous, being that I too am a manager and I advise my employees to throw my name out there all the time to ensure quality service, and because as a manager, I am the go to person for complaints and concerns. I finally hung up with Ricardo who was horrendous. I also asked him, why they never called me to inform me that they were “waiting” on the home inspection, and he said that someone else did. When I asked when and what number, because I had not one call or voicemail from them, he took his time to search my number and repeated it to me. When I asked him for the date, he took his time again and gave me April 16th. I informed him that I have answered every call since the claim in case it was them and not once did I receive a call from them. Then he said it was a voicemail. Which was also false. Come to find out the date April 16th was the first attempt that the appliance place called them to ask them for the approval, not HWA attempting to call me. I then called back (as he advised) and after the second representative read Ricardo’s notes, she uses his same excuse, and then when asking to speak to her supervisor, she told me it was “not necessary” because they made their decision and they’re not going to override it. I told her that I still wanted to speak with him, and after a while of holding (which I’m sure she consulted with him about it all) he answered and immediately said, that it was already decided and it’s denied. Then he told me to give him “proof” that the top gas igniter wasn’t the reason and then file another claim. Which of course, is more money for them. This is absolutely ridiculous. Immensely unprofessional and quite frankly, seems like a scam. I wouldn’t even give them 1 star. They’ve made excuse after excuse as to why they denied my claim and then they refuse to “override, or change their decision, and while talking to the claims department they all said “I don’t know who denied it, but it was denied.” The gas company has been out to my house twice within 90 days due to the gas leak. We had to shut off the gas to the stove completely and have been out of a stove/oven for going on 5 weeks. It is so unsafe for my family of 5, which include 3 children all under the age of 13. When telling them this, they said nothing, just “there’s nothing else we can do.” This is a poor performance of business. I NEVER complain about other places. I’m not one to contest things like this, NOR do I ever rate places, good or bad. I’ve had awful experiences, but I am not a complainer, but I HAD TO write a review and file a complaint because I have never been so dissatisfied with ANY company whatsoever!! Save yourself the time, money and headache. I canceled my policy immediately. Not worth it. Not at all!