MANCHESTER, TENNESSEE -- The Hartford has to be the worst company that I have ever dealt with. My local agent switched us to The Hartford without prior knowledge or our approval on January 1, 2012. The rates were absurd but it was too late to switch due to my escrow account already paying out before we even were given a quote. In the beginning of October 2012, we received a notice from The Hartford that they had randomly inspected our home and that due to slight curling of the shingles, our home was declared a hazard.
We were given 2 weeks to have a roofing contractor to come evaluate and repair our roof and provide evidence that the work had been completed otherwise our policy would be cancelled. We hired a roofer and he said that we had hail and slight wind damage and should file a claim. By the time a claim's representative came out to inspect the roof, the 2 week deadline had passed and I notified the underwriting department of our progress. My roofer quoted a $4800 price to replace the roof... The Hartford sent a check for $870 and once the roof was completed and evidence provided, sent another $2600.
So we were bullied into this new roof, to replace a non-leaking 14 year old shingled roof. Fast forward to the end of November and what happens? We receive a nonrenewal notice from The Hartford due to not repairing the hazardous roof! Phone calls were made and nobody within their arrogant staff was willing to even listen to our problem and certainly not try to find a solution to the main concern of non-renewal due to hazards showing up on our file as we go to find a new policy holder.
It took me calling them out on Facebook to even get an employee to listen, but they still didn't get this garbage removed from our file.... just the standard hired "apologizing and butt kissing" employee. I want to save anybody considering The Hartford from the stress and maddening situations that come with being their customer. I will be airing my grievances on any forum possible as well as contacting the Insurance Commission about their shoddy practices.
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 BRAIN DEAD 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!!!
TULSA, OKLAHOMA -- Introduced to the Hartford by AARP. When first insured by The Hartford, premiums were low and very competitive. Whenever I had claims they were prompt and their selected auto collision repair was excellent with only one disagreement (broken windshield from hailstorm was not included in the hail damaged body work; ten years ago, I still have a broken window because they wanted a second claim filed.) All other storm and collision damages were promptly and equitably paid without much effort. I rate The Hartford a 4.9 of 5.0 on claims resolution. Premiums however are now just about backbreaking so I am changing insurance companies.
VANCOUVER, WASHINGTON -- In late 2010, I inadvertently backed into and dented the plastic from bumper of another car. The dent was about 5 inches long and maybe 1/2 inch deep. I was at fault. The owner of the car I hit got it repaired to the tune of $770.00.
Because I was without insurance at the time, (I am insured now) I was liable for the cost. Rather than contact me, the Hartford sent the claim directly to a debt collector in Florida. I finally paid off the $770.00 and have the final receipt. If the Hartford treats everyone this way, no contact, then it is no wonder that they have the highest premium rates I have seen. I was seriously thinking about moving all my insurance needs to them, car, house and contents. But, after this experience, I do not even want to drive by any of their offices, much less go to them for insurance.
After a quick review of a recent billing of my homeowner's policy through The Hartford I find out that the yearly policy amount has more than doubled. I am from Ohio and I knew something was up as compared to other policies from other companies. I am also in complete agreement with others who think the AARP is taking a large cut from these insurer's. I am now paying in one yearly billing to another company for more insurance coverage than I would have paid through Hartford in one quarter coverage. This is a scam and have even though of turning them in to the BBB.
My worker's comp claim was denied, I strongly believe, because the case worker that was assigned to handle my claim was prejudiced. When I called to make my claim about my work injury, this lady's attitude was really rude, she was "taking down" to me the moment she heard my accent. I've been an American citizen for many years. Throughout the 20 years of my family and I living in the land of the free, we have plenty of "experience" in being prejudiced against because we are not born here.
I'm fluent in three languages including English. However, this case worker from Hartford workers compensation didn't return some of my few calls when I called with questions regarding my claim. (She was rude and hateful in her answers to my questions when she returned a couple of my calls.) She ignored most of my few past calls except this morning when she returned my call to tell me that she denied my claim. This claim agent has done this for one month, stringing me along. I have filed all the paperwork she asked for.
I believe that she already made the decision to deny my claim from the beginning of the claim process. She told me from the first phone conversation that I would get the least amount of money, she constantly, tried to "put words in my mouth"; statements that I was not making, she was "taking down" to me, like I was some illiterate foreigner; to state that she was rude is an understatement. I haven't been this disrespected in a while.
To disclose, I work for an insurance company who's short term disability benefits are administered by The Hartford.
On Halloween I was jumped by some drunk idiots outside a bar while trying to catch a cab. Luckily for me, the police witnessed the entire incident and chased the perpetrators 4 blocks to arrest them.
However, it was not conveyed from the officers to the EMTs the nature of the attack. I only learned a week later when the detective called me to ask if I had remembered being kicked in the head which I had clearly had no recollection of. To make matters worse, the ER techs only stitched me up and didn't even bandage me, let alone treat me for the stage 3 concussion I was eventually diagnosed with. It took me weeks to get a specialist's appointment, and it took the doctors at the concussion clinic 6 weeks after the incident to establish that I needed time off and that my condition was regressing.
The Hartford doesn't seem to agree and tipped their hand to me on the 17th or so call still making an issue that I worked for almost 6 weeks after the incident, and has denied my claim twice -- not because they think my condition is not legitimate, but citing paperwork not yet received and losing doctors reports. Not helping me is that my doctors don't use e-mail and are very hard to reach.
Considering my condition left me in a space cadet state where I was misplacing my house keys on a regular basis, I'd say the Hartford is currently doing a pretty good job of exploiting me trying to get me frustrated and give up, since they can't really deny me any other way.
This probably could have been handled better if the EMTs and the ER treated me for a concussion but leave it to a for-profit insurance company to try to exploit the situation. And since I work for one, I'm not oblivious to what can happen in the industry. I'm on Round Three of sending them doctors paperwork -- let's see what happens this time!
TENNESSEE -- I had worked at Wal-mart for several years, carrying short-term and long-term insurance with Hartford. I became unable to work Sept 1999 and was put on leave by my doctor [a Wal-mart disability dr.] and he recommended me not to go back to work due to numerous health problems. HBP, arthritis, lupus and spastic colon. [Had surgery for Crohn's while on leave losing 1/4 of my colon and 8-10 inches of my small intestines.] I have been repeatedly denied my short -term and my long-term because if "I'm able to get up out of bed and go to the bathroom- I'm able to work." This company does nothing but lie to you!! They do not receive registered mail they sign for.
They lie, humiliate you and tell you "if you don't go back to work you have no coverage." One day my blood pressure was 220/138 and they said I should be in the hospital if my bp was that high. [They called dr. office to verify.] This was verified and still "no benefits." I have a very bad colon and had trouble controlling my bowel at work. I ate very little all day. Co-workers can testify to this. I am not the only one this company has done this way. Wal-mart workers beware-- you cannot depend on Hartfort insurance you are paying for. You cannot lean on them when you are sick!!
WHITSETT, NORTH CAROLINA -- Thr Hartford denied my short disability claim. They paid me for two weeks and after that nothing. My diagnosis was that I had a "stroke." My left side was not functioning at that time 25%. They thought I should be ready for work after two weeks - totally ridiculous! Not a good company to support. The pain and suffering from this along made it difficult to heal effectively. To worry about your bills being paid while recuperation is taking place is not a good policy.
ATLANTA, GEORGIA -- I work for the world's largest retailer. I got the flu in November but still came to work through the holidays. After New Year I couldn't keep up anymore. I went to the doctor on January 5th,2010. I decided the best thing for me to do was to take a leave of absence since company policy states that after calling out for three consecutive days you must take a leave of absence. I continued to go to the doctor on a weekly basis since I was not getting better with the medicine I was prescribed. I filed a claim for short-term disability with the Hartford.
After five doctor's visits and four different diagnosis codes, my claim was denied. Since then I am still ill, have been to the emergency room, the urgent care center, a new doctor and now to see a specialist. Is the Hartford crazy? What part of my illness do they not get? I've been paying into short-term disability for years and can't get my money now that I need it. There's definitely something wrong with this system and it needs to be corrected. I am filing an appeal and will get a lawyer if need be!