Did not discuss the policy when went through AARP for insurance
HOUSTON, TEXAS -- In 2007 we switched over to Hartford to get cheaper rates and never once did they explain that our deductible is based on a percent of the home value. Well there is no way that I would have agreed on this which they know would be turned down. So what do you do with policies when you get them in the mail after talking to the seller, you put it up in a safe place until needed. Well we all know Hurricane Ike hit us here in Houston 2 weeks ago. The house fared well but took off the shingles on on side of the house. I called and reported the damage and it took almost 2 weeks to get an adjuster out and over the phone before he got here told me I had a 5% deductible which was in the amount of $7,900.00 leaving them paying me just over $600.00 total. Well I was furious and got on the phone and spoke with (won't say his name) that didn't know anything. He told me I had a choice of percents when the policy was written. He was belligerent, and rude. He put me on hold and when he came back he told me in this entire coastal area there is no choice, it's 5% of the home value and that's the way it is and they don't have to tell this when selling a policy.
I have called around to other insurance companies and all they could do was laugh saying it is standard to have a 2% deductible. Not 5%!! The bad thing, AARP recommend Hartford. Do you know how many of us live from day to day on fixed incomes in our senior days. Do you know how many belong to the AARP? Millions!! This deepens the pockets of the Corporate office from the CEO,of the Hartford and without the seniors of AARP, they won't get their yearly bonuses all the way down.
To hell with the senior citizens just trying to make it until they die. I have switched insurance companies and I hope this wakes up all you other seniors before you get the screwing I did. Cancel Hartford and get some quotes on different companies. Change now!!!!!!!!!!!!!!!!!!!
I just received a call from the VP of claims saying they looked at the transcript of the conversation that they taped when the policy was sold. (Now get this, I was told earlier there was no record of the call because it had been a year and all the sudden up jumps a tape saying the 5% was discussed but not what the 5% was for.) Anyway he said they were not making any adjustments because she had agreed to 5%. You would have to be BRAINDEAD to purchase a $7,900.00 deductible policy and my wife is a school teacher and very intelligent person and very tight with our money. I have now dropped the insurance from the AARP insurance program with the Hartford Insurance Co. I now have a 1% policy and 2% for wind paying less with State Farm on deductables. We also switched our cars over to State Farm as well and the whole policy was cheeper than Hartford for which they are supposed to represent the elderly with AARP. SHAME ON YOU HARTFORD, YOU ARE NOT THE ONLY INSURANCE COMPANY OUT THERE!!!