My question involves insurance law for the state of: PA
I purchased a home warranty policy which covered my home heat pump. The coverage was delayed for 30 days after signing. 7 days after the coverage took effect, my heat pump failed. The insurance company denied the claim, saying the condition was preexisting, and not covered. They based this on a statement by an contractor they hired who reported that the system wasn't used for a long time. He based this solely on the fact that the system had no refrigerant. I had been using the system up until the day I observed the failure to maintain temperature, and the compressor banging loudly. The contractor didn't even attempt to operate the system during his visit. I had another HVAC company look at the system who confirmed that the compressor had failed. The insurance company's terms said that mechanical failure was covered for the compressor. Do I stand a chance of recovering payment from the insurer?