Choice Home Warranty Lawsuit: The $11.8 Million Arizona Settlement
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The Choice Home Warranty lawsuit in the news is not a nationwide class action. It is the Arizona Attorney General’s consumer fraud case, filed in 2019 and resolved by a consent judgment on January 23, 2026. Choice Home Warranty pays $11.8 million in monthly installments. Restitution was only for people who bought by phone for an Arizona home, and the claim form reportedly closed August 1, 2026. Separately, the company faces several robocall and text-message class actions with no settlement.
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Reviewed by Leonard Goldberg, Editor · Last updated
What Arizona Said the Company Did
Choice Home Warranty is the trade name of CHW Group, Inc., a New Jersey company that sells home service contracts by phone and online. Arizona sued it and its Arizona obligor, Home Warranty Administrator of Arizona, Inc., under the Arizona Consumer Fraud Act.
The lawsuit alleged that the company promised low out-of-pocket costs for refrigerators and A/C repairs while the contracts often excluded those items, and that its advertised “24/7 customer service” left customers waiting days. Since 2013, more than 1,500 Arizona customers complained to the Attorney General, the state insurance regulator and the Better Business Bureau, most often that phone sales staff did not disclose exclusions and limits.
The company denies the allegations and admitted no wrongdoing. In its statement it said the resolution includes no finding of wrongdoing and no civil penalties.
Case Details
State of Arizona ex rel. Mayes v. CHW Group, Inc. d.b.a. Choice Home Warranty, et al., Case No. CV2019-013111, Superior Court of Arizona in Maricopa County, assigned to Judge Joseph C. Kreamer. This is a state court case brought by the Attorney General, not a private class action. The consent judgment was signed January 23, 2026 and is a final judgment under Arizona Rule 54(c). The Attorney General’s office announced it on February 10, 2026.
This is not the company’s first state case. In 2015, CHW Group agreed to pay New Jersey $779,913.93, including consumer restitution, and to keep a compliance monitor for at least one year to resolve a lawsuit the New Jersey Division of Consumer Affairs filed in July 2014.
Status: Settled, Claim Window Closed, Payments Pending
The $11.8 million does not arrive at once. Under the judgment the company pays $275,000 a month for 24 months, then $125,000 a month for 41 months, plus a final $75,000. The total also covers the state’s attorney fees and costs, not only restitution. The Attorney General says claims are paid as funds become available. No payment date or per-claim amount has been published.
Robocall and text suits: a TCPA defense-firm blog counted five TCPA class actions filed in 2025 over unwanted calls and texts, in Texas, Nevada, Oregon, Illinois and one more over promotional texts. As of October 2026 we found no settlement, fund or claim form in any of them.
Who Could Get Money
Only one group: customers who bought a Choice Home Warranty over the phone between January 1, 2013 and January 1, 2023 to cover a home in Arizona and who submitted the Attorney General’s online form. Buying online, or covering a home in another state, does not fit the definition in the Attorney General’s announcements.
If you live outside Arizona, there is no Choice Home Warranty class action settlement for you to claim as of October 2026. The 2025 robocall cases would cover people who received unwanted calls or texts, not people with denied repair claims. You do not sign up for those; if one settles, the notice comes from a court-appointed administrator.
How Much, and When
Because the company pays in 66 monthly installments, payments are expected to come in rounds over several years rather than as one check. For everyone else: no settlement, no fund and no claim form exists in any Choice Home Warranty class action lawsuit as of October 2026. To estimate what a typical class settlement pays per person, see our payout calculator.
Choice Home Warranty Lawsuit Timeline
- 1
June 15, 2015 — New Jersey Settlement
CHW Group agrees to pay New Jersey $779,913.93, including restitution, and to keep a compliance monitor, under a Final Consent Judgment.
- 2
October 2, 2019 — Arizona Sues
The Arizona Attorney General announces a consumer fraud lawsuit alleging that warranties excluded the A/C and appliance repairs customers were promised.
- 3
2025 — Robocall Class Actions
A TCPA defense-firm blog counts five class actions filed during the year over unwanted calls and texts. None has a reported settlement.
- 4
January 23, 2026 — Consent Judgment
Judge Joseph C. Kreamer signs the judgment in CV2019-013111: $11.8 million in installments, new phone-sales disclosures, no admission of wrongdoing.
- 5
March 26, 2026 — Restitution Form Opens
Arizona customers who bought by phone from 2013 to 2023 can ask for up to the full purchase price through the Attorney General’s online form.
- 6
August 1, 2026 — Claim Deadline (Reported)
Claims trackers list this as the last day to file. As of October 2026, no payment date or per-claim amount has been published; the Attorney General says claims are paid as funds become available.
Three Things to Watch For
A company sued over phone sales, a settlement with a closed form and several robocall cases all invite imposters:
“Late claim” or nationwide refund offers
The Arizona form was free and limited to Arizona phone buyers. A site promising a Choice Home Warranty refund to anyone, or charging a fee to file after August 1, 2026, is not the Attorney General.
Calls and texts about your “settlement check”
Unwanted calls and texts are what the TCPA suits are about. The Attorney General does not cold-call for a card number or a processing fee. Check with the office at (602) 542-5763 instead.
Renewal pitches that cite the settlement
The judgment changed how the company must disclose coverage. It does not make any warranty better. Under the judgment, phone buyers must hear the coverage limits and their 30-day cancellation right before paying.
Choice Home Warranty Lawsuit — Questions People Ask
Is there a Choice Home Warranty class action lawsuit settlement?
Not a nationwide one. The $11.8 million settlement came from the Arizona Attorney General’s consumer fraud case, CV2019-013111, and it only pays Arizona phone buyers who filed the state’s form. The robocall class actions filed in 2025 had no reported settlement as of October 2026.
Who filed the lawsuit against Choice Home Warranty?
The State of Arizona, through Attorney General Kris Mayes’s office, in Maricopa County Superior Court in 2019. New Jersey’s Division of Consumer Affairs filed an earlier case in July 2014 that settled in 2015. Private plaintiffs have also filed TCPA class actions over calls and texts.
Can I still file a claim?
Claims trackers report the Arizona deadline as August 1, 2026, and only people who completed the form are eligible. If you think you filed, keep your confirmation and contact the Attorney General’s office directly.
How much will I get?
Up to the full price you paid for the warranty, decided by the Attorney General’s office. The company pays the $11.8 million in monthly installments, starting at $275,000 a month, and the total also covers the state’s fees and costs, so payments come in rounds.
I live outside Arizona. Am I covered?
No. The restitution was for homes located in Arizona. Customers elsewhere can complain to their own state attorney general. The Arizona judgment does not create a claim for them.
Did Choice Home Warranty admit wrongdoing?
No. The company denies the allegations, and the consent judgment says it is not an admission. The company says the deal included no civil penalties.
What changed for new customers?
For Arizona phone sales, the company must read a statement on coverage limits, caps, exclusions and the 30-day cancellation right before taking payment, and offer a sample contract. State investigators may pose as customers to check compliance during the order’s 36 months.
What about the robocall lawsuits?
They claim the company or its vendors called or texted people without consent, including numbers on the Do Not Call Registry. As of October 2026 none has a settlement or claim form. If one settles, a court-appointed administrator sends notices.
Separate from this case: were you injured in the last 2 years?
Class-action payouts are fixed amounts through an administrator. A personal injury claim is a different case — and often worth far more. Free estimate, no obligation.
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