Did you just have a new home built? New Jersey requires that the contractor have a New Jersey home warranty which covers essentially any defects for the first year, mechanical defects for 2 years and structural defects for 20 years. There is a local contractor charging customers for repairs covered under the warranty, which is illegal. Please understand your rights read the attached https://www.nj.gov/dca/divisions/codes/offices/nhw_for_consumers.html. It explains the warranty. Report dubious contractors to the state.
Moderator's Note: The NJ.gov website indicates that coverage is, "ten years against major structural defects."