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Insurance Agent has Claims Nightmare
Posted by Gi Gi on 11/05/2009
I am an Insurance Agent for many years. I had my automobile and home insured with Travelers and being in the industry, my coverage was quite adequate. Approx. a year ago I was involved in a 4 car chain collision, I was in the middle car between two very large SUVs’. My car was totaled and I was taken by ambulance to the ER of the local hospital. I was diagnosed with a sprained lumbar and whiplash.. Given medication. I needed PT and to this date I am still in pain and discomfort, which is quite upsetting to me at times. From the beginning, the claim was handled horrifically. Since I am knowledgeable with coverage, more than the average layman being in the business, the first thing was I knew I was paying additional premium for Rental coverage ... since Travelers has an " agreement " with Enterprise Auto, I was first given an Economy Car to use. I inquired to them and was told this is the type car they are told by Travelers to give their clients for rental, I knew I was paying in premium for at least a Mid size car for rental and had to " insist on it with the first adjuster'' they finally did agree and I had the remaining time with my midsize car for use. So basically, our clients that we sell the policies to are paying extra for the better rental and if involved in an accident they are not given the proper car type unless the insured insist ...this was just the beginning... Most importantly, my PIP was totally mishandled... I was in PT, seeing my doctor for chronic back pain and on medication... and almost three times a week, this PIP adjuster would call me on my cell and question me regarding my condition... which is very unprofessional... to the point of being a nuisance. In the midst of my treatment and unbeknown to me, she decides to “close “the pip file since she claims ... I was feeling better... When my doctor, specialist and MRI and x-ray bills had been sent to Travelers, they were not going to pay, since the file had been " closed" ... I had $100,000 on medical and full tort coverage... and at this point all Travelers had paid was about $3,000 in med bills. ... After, phone calls to supervisors, management, faxes, letter, most of the bills are finally getting paid ... but Travelers refuses to allow me to continue to go to PT since they feel my injury should be healed by now...I wish they were right, but unfortunately, I am still suffering with pain and are taking meds to help me go through my day. This whole experience was and has been a nightmare for me... I just feel that they were doing all they could knowing I had excellent coverage and wanted to cut it off as soon as possible.

AS far as anything I agreed with on the handling of the claim was only how quick they settled and paying me for my car.... which was less than two weeks from the date of the accident. But in doing so, I was told I had to return the rental within 24 hrs... how could I ...I did not have a car to drive and since I was injured, was unable to go out and buy one.... once again, I called and explained I had rental for 30 days.... and needed this time to go out and purchase a car.. They did agree with this and gave me I believe a week more... but once again the average Joe would not have known this... I was very very disappointed with this whole handling of this claim... and would not recommend this company based on my experience with them.

     
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Posted by moneybags on 2009-11-05:
Contact the insurance commissioners office in your state
Posted by JR in Orlando on 2009-11-05:
You have a very valid complaint since you are the customer of Traveler's insurance company. I would suggest you contact an attorney, any of the personal injury attorneys, because lawsuits can be filed, at least in Florida, for failure to pay PIP coverage and other payments by an insurance company to its insured. Some attorneys specialize in that area.
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Denies a valid claims for completely useless reasons. Typical insurance scam.
Posted by LinuxHpc on 02/25/2008
SAINT CLAIR, MISSOURI -- We purchased our home on or around 06/2007, at which time travelers insurance accepted the liability of insuring our home, without notation of any waivers of liability or related material. We experienced a wonderful remaining summer without incident despite several storms that contained both hail and or high winds.

On or around 1/22/2008, we began to notice signs of water damage bleeding through the ceiling. We had recently had a bad rash of winter storms with high winds and or hail. I phoned our insurance company ( Travelers insurance ) and made a claim. A gentleman down the street also suffered damage during a storm, his insurance company paid up and he got a new roof. The insurance adjuster (For travelers) came out, and at first stated that she (Tonya) was going to write it up so they replace the whole roof, before she left, she painted a much darker picture.

Tonya claimed that the house had previous un-repaired damage. I was puzzled at this claim. Tonya went on to explain that since the gutters had hail damage, and the gutter guards did not, then surely the previous owner did not replace the roof. I find her analogy to be offensive and ridiculous. I never knew their was previous damage to the gutters, I wouldn't have replaced them either. Tonya went on further to claim that our roof was not properly vented, which again puzzled me because the roof has two vent holes in every soffit and every gable is also vented in the front. These venting methods appear to have been accepted when the roof was placed on the house, are still in use with most every house in our development, and were accepted when Travelers insured our home. Tonya also claimed that a valley seam was installed incorrectly, which was again false.

After doing my own research, I learned that no only was the valley seem correct, but the underpinnings of the valley seem exceeded code. Tonya ( The Travelers insurance claim adjuster ) went on to make several other claims, of which most make no sense. Even if there were any validity to any of them, they are negated by the facts, and that is that Travelers insurance accepted out home as it was, without complaint or waiver of liability. Further, Travelers has been accepting payments for almost 9 months without complaint, and continues to do so without proper claim coverage.

Home owners insurance is supposed to be something in place to help relieve stressful situations that can cause loss of life and home. In this case, Travelers has failed to pay a claim, which has lead to the extremely stressful situation of having to pay for the roof repair out of pocket.

Bottom line, run as fast as you can from Travelers. Don't believe me, check out other rip off related websites.

     
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Posted by madconsumer on 2008-02-26:
although i do understand your dilema, they are correct. a good adjuster can tell old damage from new. this just sounds like basic home ownership maitenance.
Posted by moneybags on 2008-02-26:
Did you have a HOME INSPECTION done prior to buying? It should tell the condition of the roof and venting systems. Did the Sellers Disclosure tell you about any prior roof damage, repairs, etc? Ask your Realtor for help. There should be pictures in MLS that he can provide.

Have the repair made to the leaking area. YOU MUST MITGATE DAMAGES! Save the receipt. Appeal the decision of the adjustor. Ask for a different or independant adjustor. Present the receipt as well as the above mentioned documents. Should be OK. If the seller claimed new roof, you may have a court case. Same for the inspector. Inspectors carry insurance. If you had an inspection done, and you paid, You have a good case if he found no problems. Of course, the adjustor may be shafting you irregardless. So ask for a new adjustor!
Posted by GothicSmurf on 2008-02-26:
Insurance is there to help with damages done that are covered peril, NOT as a home maintenance policy.

Both Madconsumer and Moneybags are right. Get your roof fixed NOW. You will have to pay up front for it and if any other damages come from this (leaking water on to TV for example) would not be covered because you did not take the appropriate steps to make sure nothing else is damaged.

You can try and appeal the decision but it is true that these adjusters are trained to be able to see new damages vs. old damages.

Check your policy to see what is covered and what is not. As a general rule, in order for it to be covered, you'd have to be able to take a picture of the loss, not a video. Meaning a loss is almost always "instant" and not constant.

Good Luck.
Posted by Anonymous on 2008-02-26:
Good info Gothic. I had not heard of this new damages vs. old business. Just another little thing consumers need to be aware of.
Posted by LinuxHpc on 2008-02-26:
The home was inspected as passed.
The insurance company inspected the house, and it passed without waivers.
The roof was ripped apart from High Winds and Hail as stated.
The insurance company denied a valid claim. Period.

Nothing else matters, high winds ripped off shingles, hail put half moons on most others. The minerals on most of the shingles were stripped off. Why is this maintenance? It's not, it's High Winds and Hail damage.

That's it, that's all. Stay away from Travelers Insurance.

Joshua
Posted by GothicSmurf on 2008-02-26:
When are you claiming the hail and wind damage occurred?

If it happened before you moved in, you didn't insure the house then and there is no coverage. Period. Insurance doesn't work retro. It works only with in the terms of the policy.

That would be your dollar to update and repair anything that was not in the sale contract, that would include prior damage to siding, windows, shingles, etc.
Posted by fascismsux on 2008-02-26:
One of the biggest reasons ppl buy insurance is cuz ya dont know that you would otherwise have the extra money to fix a problem at any possible future time .If we could all be expected to have that money and could therefore solve the problem without bugging the poor little Ins . co. then whats the point of having an Ins . co ?
i know one person who is a certified home inspector ,and because I know what this person knows and doesnt know about home inspecting , I feel confident in saying that a home inspector is as worthy of inspection as the the home is .
As for gutter damage proving that the previous owner didnt replace the roof , this is BS , maybe the gutter damage is the result of tearing off the old roof-sht happens ya know - or maybe it was from a previous hailstorm and just wasnt replaced cuz it wasnt a major problem like rain coming through your ceiling ? maybe the new looking gutter gaurd was added as an afterthought later on ? and what does the ventilation have to do with the wind/hail damage = nothing !
Sounds to me like the Ins Co. is trying to scam another victim . i say get estimates and sue them if ya have too!- Even if the Ins. co declares that your roof is old , it still has value , and they should at least replace that value.
Posted by MSCANTBEWRONG on 2008-02-26:
What year was the house built? Is the roof the original roof? Did you call the day after you had a wind and hail storm? There are a lot of variables as to whether the insurance company is going to or should assume liability. If you called a few months after you had bad weather because you noticed some water damage, I rather doubt the insurance company is going to pay the claim. I would think in their opinion this would be standard maintenance as this wasn't a direct cause from the storm. JMHO
Posted by fascismsux on 2008-02-26:
MSCANTBEWRONG-I dont think its relevant whether the Co. was called after the storm - its only relevant that damage is done and needs fixxed , and that its the Co.'s job to finance the fixxing ! It's very reasonable to believe that though damage was done leading to leaks , that that damage wouldnt be noticable until the leaks actually appeared . for instance , if high winds from the south loosened and tore some shingles on the south face of the roof , it could be that rain would not cause leaks unless you again had blowing rains from the south .
Posted by GothicSmurf on 2008-02-26:
fascismsux- An ins. co only covers what is listed in the policy. It is not for maintenance policy. If the shingles are bad because they are old, it's up to the homeowner to repair them.

If there was a problem with the roof and the prior owners didn't repair it, it is NOT the responsibility of the insurance company to repair it, it has to be from a covered loss.
Posted by fascismsux on 2008-02-26:
GothicSmurf- I'm just taking the poster at their word , meaning -quote-"without notation of any waivers of liability or related material." -unquote -
Posted by GothicSmurf on 2008-02-26:
I understand that, but working in insurance for the last 6+ years, I can say with 99.9% certainty in their policy it tells them which causes/ perils are covered and excludes prior damages. Granted, I haven't seen their policy, but all homeowners policies are pretty much the same basics across the board.

Just because prior damage wasn't seen or known at the time doesn't mean it will be covered now. Unless damages are blatant, most of the times policies are written. I can't imagine that their policy states prior damage (before owning a home) would be covered.

As I said, it would help if the OP stated WHEN the damage occurred and IF they owned the house at that time.
Posted by Principissa on 2008-02-26:
I read this twice before posting and a few questions come into my mind: What did the home inspectors report say about the roof? Yes it passed inspection, but in their reports they are required to put the age, if there are any weak spots or shingles that need to be replaced, and if the ventilation is adequate. Is this the original roof or is it new? If it is new it may be under warranty through the roofer that installed it and you may get it repaired through warranty. If it is not new and this is damage that was reported by the home inspector the policy will not cover it because it is considered prior damage. Even though the damage happened during a hail or wind storm it may have aggravated a previous condition, like a weakened beam or loose shingle. If it is proven that the leak was caused by that the insurance will not cover it. You really need to read the report from the home inspector again and make sure that you didn't overlook something he/she put in there. You also don't state when the damage occurred. Did happen before, during, or after the storms? How long after the storms did it start leaking, a week, a day, a month? How soon did you report the damage to the insurance company, as soon as you saw it, a week later, 2 months later? Time is a factor when trying to place a claim. My insurance company requires that we call as soon as the damage occurs. Otherwise it will be considered prior damage because I cannot prove that it happened because of a storm. Last question, what does your policy cover? Does it cover water, lightning, fire, wind, or other acts of nature? If not than they are certainly not going to pay for the roof.
Posted by GothicSmurf on 2008-02-26:
*wipes away tear* I taught you well Princi!
Posted by Principissa on 2008-02-26:
LOL Gothic, you should have heard me on the phone with USAA when I was taking out our home owner's policy. You would have been so proud of me.
Posted by MSCANTBEWRONG on 2008-02-26:
facismsux, I think it is relevant as to when the damage was reported. As stated by others, this could have been pre-existing...My inspection report outlines every detail of the house from the roof, gutters, heating, air, windows, seals, etc...I have pictures of everything, and anything that needed to be addressed was outlined very specifically...my homeowners policy is the same way. I made my agent go through every detail so I would completely understand what is covered and what is not. Since I live in a hurricane prone area I have to make sure I know every detail. Again, it is just my opinion since I'm not directly in the insurance business however, my dad is so I'm not totally in the dark.
Posted by fascismsux on 2008-02-26:
MSCANTBEWRONG- well, according to poster - the house was purchased roundabout june of 07- the first storms were during the summer -(june , july , august?).- these storms contained both hail and high winds- but there was no sign of leakage -(I would assume that at this time there was no shingles that were torn off either ?)- the leakage became noticable on 1-22-08, after even more storms of high wind and hail , which makes the summer storms irrelevant cuz ya cant really identify which storm caused what exactly due to their proximity .
was there old damage ? the poster says no , i see no reason to not believe that , not that it really matters what i believe cuz Im just here wasting time cuz I have no life ! I think the fact that a neighbor also had similar problems gives the posters claim credibilty.
Im biased I know, towards the consumer ,cuz , I think corporations are almost always criminal enterprises , but so what .
yes, the devil is in the details , but there are too many of them (the details ). Too many devils hiding too many details . keeping up with them all would consume ones life , I think . And that is the goal of the corporate world - to baffle us with bullsht , wear us down until we are all just a bunch of weary , frazzled, drug-addled drunks , just hoping life will end so we can rest.
Posted by MSCANTBEWRONG on 2008-02-26:
Facismsux, I'm just trying to get additional details to make sense of why the claim was denied.
Posted by GothicSmurf on 2008-02-26:
fascismsux- where in their complaint did it say the dates of the storms? I missed that.

It just dawned on me that the OP noticed leakage in Jan of this year. Possible that it was ice dams that were in play.
Posted by fascismsux on 2008-02-26:
GothicSmurf- lazy reader huh?- just try the first 100 words - its in there!
Posted by MSCANTBEWRONG on 2008-02-26:
The way I read it was that they bought the house in June 07 and noticed the water damage in Jan 08.
Posted by LinuxHpc on 2008-02-26:
The house is 11 years old.. The roof was fine, as I stated, it was also inspected when I purchased it. Travelers has now changed their excuse to "The roof was just worn out." There was nothing wrong with the roof until after the high winds and hail storm. As I previously stated, Travelers insurance is a scam, run from the as fast as you can.

Joshua
Posted by jktshff1 on 2008-02-26:
Good posts all. This is one of the most civil conversations I've seen here in a while.
Posted by Anonymous on 2008-02-26:
Agreed. Hey Jkt how you doing? Been playing much golf?
Posted by LinuxHpc on 2008-02-26:
For the record, there were no water stains until after the hail and high winds.

Joshua
Posted by jktshff1 on 2008-02-26:
great super! Me and the better half played 36 weekend, 9 Monday. cart cover and heater help alot.
On the road again, won't play again till Friday pm maybe. Sunday for sure.
Posted by gooch on 2010-01-12:
If you don't hire a private insurance adjuster you will get raped every time. They charge 10 to 12% of what they get for you, but boy are they worth it. The insurance company person will always pull that failure to do maintenance crap to refuse paying for something.
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Travelers Denying Valid Tornado Claims
Posted by Krismas on 05/19/2008
DOUGLASVILLE, GEORGIA -- In my neighborhood we were hit by the March Tornadoes. My roof and siding were ripped apart. Travelers did replace my roof and we have been blown off by the Travelers adjuster twice when they found out I had my own team of people who wanted to meet with them. Twice they were a no show. They hired their"own independent" engineer and when I said I would hire my own as well, they told me it wasn't in my best interest and Travelers was looking out for me. So their whole group of engineers, the adjuster and claims manager came to my house and were all quite chummy for an "independent" evaluation. I contacted my state insurance commissioner's office as soon as they left my home to be proactive rather than reactive.

I just got the engineers report back from Travelers...wow, what a surprise...it was for Travelers stating that my home of 7 years with cement siding was torn apart due to the construction of my home and the contractors put nails in my siding to forcefully and that is why my siding is all torn up. What a crock! It was due to the wind pressure that popped the seams and nails out if my siding. Travelers paid the engineering company $1500 to help them deny my claim. It would have cost that to fix my siding. Don't ever use Travelers, I was a customer for 15 years plus, and when you need them they screw you. I am now involved with the Insurance commissioners office about this, I am hiring my own engineer and my own public adjuster, I am contacting the CEO of Travelers as well.

Travelers has three other similar claims in my neighborhood..all which had been denied as well stating shotty craftsmanship. Every other home has had no issues with their insurance companies. Only Travelers in Alpharetta, GA is denying claims. If you get an adjuster from there, you better beware and have your ducks in a row. They are conditioned and coached to not pay claims.

DON'T USE TRAVELERS INSURANCE, THEY ARE THE ABSOLUTE WORST COMPANY EVER!!!!
     
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Posted by tnchuck100 on 2008-05-19:
It's time for a lawyer. From what you have stated you should be able to recover the cost of your roof, your siding, your engineering/adjuster fees, your attorney fees, and court costs.

Don't roll over. FIGHT!
Posted by Anonymous on 2008-05-19:
Like many insurance companies after Katrina, they've learned how to dodge valid claims by asserting faulty construction or other issues. As chuck said...'Lawyer up'.
Posted by Anonymous on 2008-05-19:
Unless the original builder guaranteed tornado proof, which I would highly doubt, this baby falls completeley on to Travelers. Faulty workmanship or not Travelers insured the property as is. Your proactive stance leads me to believe that you have other experiences with Travelers. Anyway, your states insurance commissioner is the one who can get things rolling best. Personally I don't think it's time for an attorney until the state ins. commish rules on the case. Good Luck
Posted by Slimjim on 2008-05-19:
Dealer's right. They insured the property, they need to cover the damage. Perhaps contact an independent adjuster and see if retaining his/her services would be of help in getting proper claims money. I would look into this first as they would get a percentage of the claim only if they collect. An attorney would be my last resort because of retainers, but it may come to that too.
Posted by GothicSmurf on 2008-05-19:
Not always true dealer and slimjim-

Workmanship isn't always covered especially if it's faulty. Adjusters are trained to spot certain things- Nails coming out could have been aggravated from the tornado, but not caused by it.

HOWEVER if the OP isn't happy, they CAN hire their own public adjuster (of their choosing) to determine the damages THEN fight Travelers. I would suggest doing that first.
Posted by arden on 2008-07-15:
Re: Travelers Insurance complaint written by Krismas.

I would like to hear if you have had any success in resolving your claim with Travelers. I have a claims problem that sounds 'chapter and verse' like yours. How I wish I had checked with BBB before staying with this company so long. Thanks in advance for your response.
Posted by jktshff1 on 2008-12-31:
I get more fed up, no pun intended, with insurance companies trying to ----- (use your imagination) their policy holders
Posted by mesfly on 2009-03-23:
FEDUP831 MUST WORK FOR A INSURANCE COMPANY. I WONDER WHAT HE WOULD DO IF THIS HAPPEND TO HIM/HER FAMLEY. I HAVE BEEN WAITING GOING ON 3 MTHS. NOW FOR TRAVELERS TO FIX MY HOME & THEY ARE NOT DOING A THING & THEY INSPECTED THE HOME 6 YEARS AGO WHEN I BOUGHT IT. NOW THE COUNTY IS THINKING ABOUT CONDEMING MY HOME BECAUSE THEY SAY IT IS UNSAFE & YES WE ARE STILL LIVING IN THE HOME ( WE HAVE NO CHOICE WE STILL HAVE TO PAY THE MORTGAGE ON IT & HAVE NO PLACE ELS TO GO SO TELL ME FEDUP831 WERE DO I GO WITH A DISABLED MOTHER & 4 DOGS ?
Posted by Anonymous on 2009-03-23:
mesfly, your situation makes me sick. To think that you are still living like this due to an insurance company not fulfilling their obligation is appalling. Those people should be ashamed of themselves. Did you get an attorney to help you out? I know for a lot of people this is not an option because of the additional cost, which is also what the insurance companies hope for. We pay and pay for years without a claim, and then when you need help from your insurance company, they come up with every excuse in the book to give you the shaft. Shame on them.
Posted by mesfly on 2009-03-23:
KNOWITALL2, NO WE DID NOT GET A ATTORNEY YET BECAUSE WE WERE WAITING ON THE INSURANCE COMISHION TO DO THEIR INVESTAGASHION BUT WE ARE NOT HEARING A THING & THE INSPECTOR FOR THE COUNTY SAYS IF WE GET MORE HIGH WINDS HE HAS NO CHOICE BUT TO CONDEM THE HOME. I CALLED THE INSURANCE REP DAVID BONNER & HIS BOSS FROM TRAVELERS & I HAD TO LEAVE BOTH OF THEM A MESSAGE AND NEATHER OF THEM BOTHERED TO CALL US BACK.
Posted by mesfly on 2009-03-23:
KNOWITALL2, NO WE DID NOT GET A ATTORNEY YET BECAUSE WE WERE WAITING ON THE INSURANCE COMISHION TO DO THEIR INVESTAGASHION BUT WE ARE NOT HEARING A THING & THE INSPECTOR FOR THE COUNTY SAYS IF WE GET MORE HIGH WINDS HE HAS NO CHOICE BUT TO CONDEM THE HOME. I CALLED THE INSURANCE REP DAVID BONNER & HIS BOSS FROM TRAVELERS & I HAD TO LEAVE BOTH OF THEM A MESSAGE AND NEATHER OF THEM BOTHERED TO CALL US BACK.
Posted by Anonymous on 2009-03-23:
Hopefully the Insurance Commissioner will be able to help you out. I had to use ours for some help with auto insurance once, and they actually were able to solve the dilemma in a short time. Of course, your problem is much more serious. I hope you receive a resolution soon, but it really seems like everyone has been dragging their heels for far too long, especially when we are talking about someone's home. I wish you the best.
Posted by Jonsmith on 2011-06-09:
We are currently suing Travelers Insurance. Our home had winter storm damage totaling around $30,000. Travelers sent a check for a little over $1,000 dollars and took over a year and a half to do so. But dropped our homeowners insurance immediately.

Some of Travelers cost savings suggestions included $500 to renail twisted usable roof gutters back on the house!!!!! Apparently, the adjusters have some "low-ball" company claim template that they use to for all claims "to cut a low-ball check and run".

DO NOT BUY TRAVELERS HOME, AUTO OR ANY OTHER INSURANCE FROM THEM. Drop them immediately and go with a reputable company. Consumer Reports recommends: Amica, CHUBB and USAA Group.

"Amica Mutual Group, USAA Group, and the Chubb Group of Insurance Cos. were rated more highly for claims satisfaction than most other insurers."

IF THERE ARE ANY TRAVELER's CLAIMS ADJUSTERS OUT THERE.....PLEASE WRITE IN WITH STORIES AND SUGGESTIONS ABOUT HOW TO GET A FAIR DEAL FROM TRAVELER ONCE YOU ARE "STUCK" DEALING WITH THEM?????
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Home Owner Claim Horrible
Posted by Christina4223 on 10/27/2007
OSCEOLA, INDIANA -- I had a break in to my home on Sept 9, 2007 and it is now October 27 2007 and we have barely gotten anything done with this claim. I have filled out all paperwork interviewed with the investigator and jumped through all hoops and the only answer I got from my claim adjuster was they are still investigating even though the investigator told me his report is in. She also told me she cannot tell me anything else at this time and when I asked how long this could go on she said as long as they need, so forever! My son had his whole room cleaned out of over 10,000 in video game items and it is going on 2 months and these people are the rudest I have ever meant. Never sympathetic and literally told me not to contact her she would contact me when done. I mean what kind of co that you are a customer for says don't call me. I hate travelers and will be done with them once this is over. We feel victimized all over again.

I barely get called back and even called her supervisor and didn't get a call back for that one either. Horrible, stay away!

     
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Posted by moneybags on 2007-10-27:
Immediately contact the Office of the Insurance Commissioner of your state. Many states have a 30-60 time limit on claims to be settled. Also, haver you only called the ins. company? Something sent in writing - certified, with a copy to the ins. commissioner really gets things speeded up. Shop for a new ins. co before your rate goes up or you get cancelled
Posted by Anonymous on 2007-10-27:
It's always interesting to see how insurance companies respond to claims once the homeowner needs to file one. Good luck, I hope this gets resolved for you and your family soon.
Posted by ThinLazyAmerican on 2007-10-27:
Did you say $10,000. worth of video games?

If I may say so without sounding mean, the robber did your son a favor.

I bet the insurance co. is dragging their feet because they read your claim of $10k worth of video games stolen.

Are you kidding us?
Posted by Anonymous on 2007-10-31:
I agree with ThinLazy- I work in insurance and if someone handed me $10K in video games I would investigate as well. What else was stolen? And yes, there is usually a time limit on certian things, but not on how long it has to be before you are paid in full or how long it is before it is closed. If you are unhappy though, you can ask for a change in adjuster.
Posted by NSX91 on 2009-12-20:
First of all, now you know why Traverlers' premium is so cheap compared to some other companies. And now, you also get to experience what being cheap gets you.

Second, you just made a claim for $10,000 worth of video games? LMAO. My Atari 2600 and games probably cost me $1000 new, but now it's all worth about $5. You can't get new prices for crap.

And you can't switch carriers...not for at least 5 years (depending on your state). Because you now have a burglary claim and no other company will accept you on their standard policy. It should cost double to triple your current premiums with Travelers if you went anywhere else that have substandard policies.
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StarStarEmpty StarEmpty StarEmpty Star
One small claim in 15 yrs and now we can't renew
Posted by Jamigrossfield on 11/30/2012
We have had Travelers for 5 yrs as renters and 10 yrs as homeowners. This year, a large tree fell in our yard and we had a small ($1,000) claim. They were great at handling the claim.

Only issue is, apparently their underwriter's policy is that if you make a claim, that's all fine- you just can't use them anymore.

We received a notice of non-renewal - because we made 1 claim in 15 yrs.
     
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Posted by ok4now on 2012-11-30:
Did you contact your agent for the specific reason for non-renewal? It's hard to imagine that they would drop a 15 year claim free customer for such a small claim.

I was a 5 year claim free Traveler's customer that just dropped THEM. They whacked me with a $350 rate increase, now they lost a customer. Shopped around and Liberty Mutual gave me a fantastic rate, actually lower than Traveler's before the rate increase.
Posted by At Your Service on 2012-11-30:
Ultimately any insurance company considers the value of your premiums compared to the cost of the claims. It's unfortunate that $1000 claims makes them question the value of your patronage, but if they do, just find a different insurance carrier.
Posted by kenny f. edmonson on 2012-12-02:
I purchased a homeowner policy from TRAVERELS HOME and MARINE INS. CO. And I paid the required premium. When I had property stolen from my home in Meridian, MS TRAVELERS has refuse to follow the conditions and terms of my policy while acting in bad faith. "TRAVELERS MAY NOT BE THE TALIBAN BUT THEY SURE HAS TALIBANISH WAYS". My advice of experience please do NOT buy any insurance from TRAVELERS and if by chance you have insurance with the drop them and get you some real insurance with an honest company or you will be sorry when TRAVELERS "DEFRAUD YOU" out of your hard earn money just like they done to me. For comments and questions call Kenny F. Edmonson 601-591-4885, email:kennyfedmonson2@gmail.com. THANKS
Posted by uhh on 2013-02-21:
Travelers is pulling out of North Carolina
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StarStarEmpty StarEmpty StarEmpty Star
Good claims service then drop you like a rock
Posted by Ddolllaw on 08/24/2012
OAK PARK, IL, TENNESSEE -- Travelers provided excellent claim service for two claims I had in the last five years. The first was when a wind-storm knocked a village owned tree onto my house. The second was when after another storm the sewer backed up into my basement. As I was renting the house starting that year, I expected to continue coverage with them. They dropped me.

The reason was because of the two claims, neither of which were my fault but were caused by weather.

Now I had to go with another carrier, who seem to be good, but with an increased premium.

I just think this stinks.
     
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Workers Comp Claim
Posted by Chefiam on 03/28/2011
Travelers Insurance is riping worker's compensation people off. They drag out claims, use doctors to lie about an individual's injuries so they don't have to pay. They have the doctor to hold off on sending reports to defense attorneys, they short change you on your payoff amount. I have had two surgeries and they want to pay me $20,000.00. My doctor earned more than that. I have been waiting almost five years for my case to settle. They don't negoitate any higher than $20,000.00, they cause people to suffer while waiting for resolution on their case. They are blood suckers who don't care about innocent people. My attorney and I waited six months for a two page report from the doctor who works for Tavelers Insurance. It took 30 days for them to stop my workers comp benefits after preparing a 30 page report for a three hour visit to the doctor's office. Does this make since to anyone? It doesn't make since to me, they are sitting back in their confort zones while people are suffering while waiting for their case to close so they can move on with their lives. I hope they are ready for GOD because He sure is ready for them.
     
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Posted by Anonymous on 2011-03-28:
I hate to break it with you but this how all workman's comp insurances work. My husband's employer uses JT2 Integrated resources for their workmans comp and they are notorize for being one of the most difficult insurance companies to work with! My husband's back was injured on the job (law enforcement) and had to get an lawyer after WC denied the claim! His WC Dr closed his practice at January 1 and it took WC almost 3 months after that to send his medical records to the new DR. The new DR got his records and declined to see him. We found another Dr willing to see him but first WC has to send the Dr a letter of authorization. Its been 2 weeks and they still haven't sent the letter!
Posted by localgod on 2011-03-29:
The Workman's Comp insurance companies are trying new tactics to avoid claim fraud; in other words, innocent people are getting the screw job. I recommend you consult an attorney who specializes in occupation health and workman's comp claims, it doesn't hurt to ask an expert.
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Throwing the smallest of claims away
Posted by Cmcintosh620 on 12/14/2009
DANVERS, MASSACHUSETTS -- (Boston, Danvers office) I was hit on my bike by a woman pulling out behind me (who was completely at fault) about a month ago. She immediately filed the accident report and the next day Travelers calls me up basically assuring me that the process was going to be a very fast one and that I would be on a new bike in less than two weeks.
So a month later, I'm finally able to get in touch with Jeff Lloy, my designated claim representative after countless missed calls, voicemails, emails, etc. and he told me that he did some "research" on the cost of Peugeot bikes and they were way less than my repair estimate from several bike shops. My vintage converted fixed-gear with very much work and parts put into it, will not be replaced for under $300... despite them telling me they'll cover up to several grand if necessary. I'm still (attempting) to deal with them at the moment. Can an international, hundred billion dollar insurance company really be so cheap?

     
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Posted by Anonymous on 2009-12-14:
This apparently is your first time dealing with a claim. The answer to your question is.....yes.
Posted by Hugh_Jorgen on 2009-12-14:
The adjusters #1 job is to settle your claim as cheaply as possible. If the cost to repair your bike is more than the fair market value, they might opt to find a comparable used bike and provide you with that instead.
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Good Except No Chance to Ask My Question
Posted by Lshaw4 on 12/26/2013
RALEIGH, NORTH CAROLINA -- This was a survey of consumer satisfaction with handling of an insurance claim, particularly in regards to communication. Responses were either 1 - 10 scale or yes-no-don't remember. But at no point before the survey concluded was I allowed to state that the policy was still in the name of me and my late wife, despite repeated attempts to take her name off. This caused a problem at the bank because the check was made out to us jointly. I will attempt to rectify this once more when I renew the policy in February.
     
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Homeowners Jewelry Claim
Posted by Rosannbreen on 11/27/2013
PITTSBURGH, PENNSYLVANIA -- My home was robbed. 95% of my jewelry and some coins were stolen. I didn't have a jewelry rider. Almost everything that was stolen was unique as I had collected these pieces over many years. Travelers was so nice to deal with. My claim handler Carol was so kind and caring. We even laughed a little. So if you are looking for a good insurance company who keeps in touch and is prompt in all they do Travelers is the one for you it is for me.
     
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Posted by Nohandle on 2013-11-28:
You never stated how much you were reimbursed by Travelers. According to you they were nice and a pleasure to deal with. How much were you paid by Travelers with nothing listed on a separate rider? Just curious.
Posted by Weedwhacked on 2013-11-29:
Did you find out about this website from Traveler's?
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