Choice Home Warranty review: HVAC repair

I had purchased Choice Home Warranty on 05/22/2022 for a condominium that I currently reside in for a total of $2475.00. On 09/02/2023, I sent a request to take a look at my HVAC unit as it was not cooling the unit appropriately. My claim was processed and a technician of their choice was sent on 09/13/2023 (after a week). The technician communicated with them and it was determined that "the rooftop chiller that is common to all units within the building is low on refrigerant and is now in need of repair and/or replacement". My claim was declined based on section F2 of their policy which states "if this agreement is for a particular unit within multiple unit dwelling with 5 or more units, then only items contained within the confines of your individual unit are covered. Common systems are excluded". However, when I talked with the technician it was actually the system within my unit that was low on refrigerant. He refilled the refrigerant on my system and now it seems to be working perfectly. I had sent the pictures of the technician working and refilling the refrigerant on my system to Choice Home Warranty and appealed my claim. On 09/15/2023, I talked with the case manager over the phone and tried to explain to him that it was not the common system but actually the individual system within my unit. He made excuses to not cover the claim and wished me luck. I think this is an act of deception/fraud to consumers. The basis for which the claim was denied in the first place does not match with section F2 of their policy. Despite trying to explain they would not listen or consider a reimbursement.