Travelers Insurance Company Homeowners Insurance

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Worst Company I've Had The "Pleasure" Of Working With
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HARTFORD, CONNECTICUT -- I have been with this company for four years and for the past two I have had nothing but problems. It started with a minor accident almost two years ago with the total amount paid out of $1800. I had already paid more than that just in premiums. They were extremely stingy with the rental car which is a benefit I pay for in my policy. Since that point I had nothing but 3 minor traffic tickets. One was 01/01/10 and the other two were very early in 2008. On Easter of 2010 I was rear-ended by another driver. I was the front car in a three car accident. None of the accident was my fault and my company did not have to pay out a dime. They did nothing but make that process a pain in the neck. The next round came when we bought our first house. It was supposed to be a hassle free process with everything taken care of and guess who stepped in to make it a mess. You guessed it, TRAVELERS. We closed on our house and had all the paperwork we needed including the insurance binder from Travelers with the account number our closing agent was supposed to send our first year of premiums for the homeowners insurance to. Well they sent the check but good ol' Travelers gave them the wrong account number. So our check was sent in and lost in the woods somewhere at the Travelers offices. I had to make more phone calls then I could count to get things straightened out. The check was mailed on 04/20/2010. To this day my accounts are still a mess. Because they couldn't find the check they posted my auto policy payments without telling me to the homeowners policy which you can imagine messed things all up. For months I had no idea my auto policy was not being paid in full because they were taking money from that and putting to the homeowners policy. Then when they finally found the check they split that and it didn't cover all the screw ups so again I came up short not knowing it. Then all of a sudden in December 2010 I get a $250.00 check in the mail from them which I found kind of odd. I called them asking why I would have received a random check from them and they said because they cancelled my policy. I was shocked. We had just paid them $300 for the previous months premiums. They lady said because we came up around $30 short for the auto and $10 short for the home because again they were shuffling around my money they cancelled the policy. They gave no notice what so ever. I asked her why we wouldn't have received a call or a letter seeing as they could send us $250 which meant all they needed was a few dollars to keep the policy going and she said she was not sure. At that moment I found out I technically did not have insurance for almost two months and they didn't feel it was important to let me know that. We paid our money and ripped up their check to make sure everything was OK. Now as a reminder we never missed a payment with these people. Then today I receive a letter stating that they are going to exclude me from my own policy or cancel the policy because of the activity I had over a year ago and almost two years ago. As I said I have had this policy for over four years. I informed they lady I would be cancelling my policy and reporting them to anyone humanly possible. I have never experienced this much disloyalty from any company I have ever worked with. I have two vehicles and a home insured with them I have been a loyal customer and never missed a payment by my own regards. I apologize that this is so wordy but I feel I must get the explanation out for why you should stay far away from TRAVELERS. I feel that since the date I signed up for the homeowners policy they have wanted me to drop the policies. DO NOT sign with Travelers. They will not be loyal to you and they do not care if they are at fault for anything they will figure out a way to make it your fault.
     
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stormy1960 on 02/08/2011:
I had a sililar but actually worse experience with Travelers. They are the worst insurace company that we have EVER dealt with and we will continue to voice our displeasure with them on every venue that we can find. We have had coverage for over 12 years and on our first and only claim that we were not at fault for, they sh*t on us BAD. And even rewarded the uninsured woman with unrestrained children $89,000.oo! I was livid! http://www.my3cents.com/showReview.cgi?id=94998
I think you will find my review there if you wish to read. thanks
I also post this on Facebook every time I think of it to warn others.
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Travelers Insurance lied about facts in homeowners policy
Posted by on
Rating: 1/51
ROGUE RIVER, OREGON -- I had a very large collection of jewelry components stolen at a home in another state. My agent told me to file a claim against my policy which would only get me $1,500.00 because the collection wasn't scheduled. [It was worth over $20,000.00.] When I tried to file a claim the handler told me it was too late to file, that it had been more than one year since the theft. My agent checked my policy and it stated I had 2 years to file. He complained and they took the case.

As soon as the adjuster, Jason R. took the case he called me and told me he was sending an investigator out. I was happy because I thought they might be able to find my items. She came to my house in the middle of October. She taped the entire time and let me tell each detail which I was grateful for. I foolishly thought she was there to help me.

At the end of October I was called at 9 AM on Saturday by Jason R. He told me that he denied the claim because ...I WAS A LIAR AND HAD FILED A FALSE CLAIM!!! He went on to state I NEVER HAD A THEFT AND I HAD MADE THE WHOLE THING UP. He added there were all inconsistencies in my statement to the investigator. When I asked him what in the world he meant he stated that I didn't even know the date the theft occurred, didn't know who took the beads, I didn't even know who had been in the house I was staying in. I WAS OUTRAGED. I told him to send me a copy of the taped statement and he refused. He hung up on me. My agent told me to file a complaint with the insurance commissioner's office, which I did.

Months later I received a copy of the letter sent to the insurance division. It stated a man named Matt did an investigation and I DIDN'T EVEN KNOW THE LAST NAMES OF THE PEOPLE I STAYED WITH, I didn't know when or where the items were stolen, and the police report stated I made up the theft!! I immediately called the Detective on the case and he was very angry stating none of what Travelers Insurance said was true.

THESE PEOPLE MADE UP A SECOND INVESTIGATION THAT NEVER TOOK PLACE AND LIED ABOUT ALL DETAILS IN THE CASE. I had no contact with anyone other than the lady who taped the statement at my house! I have never heard of anyone named Matt and NO ONE ELSE CONTACTED ME!!

My agent is now filing a complaint and I am going to my attorneys office. I will get the so called tapes and reports they refused to give to me, I have been around a long time, been a Detective for years, and have never EVER DEALT WITH SUCH BALD FACED LIARS!

This in not the end of this matter....don't ever buy insurance from TRAVELERS INSURANCE!!!
     
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Old Timer on 06/22/2013:
I would be curious as to who the insurance company was that caused all this grief?
idahohorselover3 on 06/26/2013:
I updated the information a few hours after I posted it. It was Travelers Homeowners.
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Homeowners Insurance Fraud
Posted by on
GLEN FALLS, NEW YORK -- Travelers is blatantly and fraudulently denying my claim for hail damage to my roof in spite of overwhelming evidence of such damage.

In April 2008 every roof in my neighborhood sustained hail damage. All my neighbors (including the entire new townhouse development behind me) had to have their roofs replaced due to hail damage. Travelers admits I sustained hail damage…to the vents on my roof. They have even sent me a check for $232.55 for "repairs due to hail damage." However, according to Travelers, the hail was very selective. While it damaged my vents, it did not damage my shingles. I can only assume thousands of little old men in derby hats were out there holding their red umbrellas over my roof...but not over my vents.

Travelers claims the damage to my roof was caused by "heat blistering," a condition resulting from inadequate venting...even though Travelers contradicts their own assertion by admitting I must have vents since these vents were damaged by the selective hail. Further, heat blistering damage would have to come from underneath the shingles, not from on top as the damage to my roof. Three roofers have given their opinions that I do not and could not have heat blistering, that the damage is due to hail.

I have submitted to Travelers 2 estimates from reputable roofing companies in this area which estimates assert that the damage to my roof was caused by hail, but Travelers continues to deny my claim.

I am a senior citizen, female and single. I believe I am the victim of discrimination. I would like to make contact with other people who have had similar experiences with Travelers with the proposed goal of a class action lawsuit for discrimination and damages. If you have been thus victimized and fall into the above-referenced categories, please post to this website.
     
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caveman54 on 01/09/2010:
Unfortunately you are dealing with a crooked insurance company. Your only hope is to report this case to your State insurance commissioner. This is the only way you can make them do what they are supposed to do. If more people would file complaints to their insurance commissioner about Travelers crooked tactics, they will change their behavior. This is the only thing they are afraid of.
SallyB on 01/10/2010:
Thanks, caveman54. I have contacted the Missouri Insurance Commissioner and will see if that does any good. Appreciate the advice!
Dave22 on 01/18/2010:
I just added my review of a similar issue with the same company(different state)I am in the same boat I never knew insurance adjusters were such roofing experts.did you?
tileguy on 01/28/2010:
I got hurt on friends land riding there 4 wheeler in April 09 .My friends back brakes locked up on me well I was riding over a hill .my friend told me he just fixed the brakes a few days before I rode it after I broke my leg in two.He and his family said they would pay medial bill and put on there homeowners insurance .Well I took them the bill of $100,000 and they told me their not putting it on there homeowners insurance .I have been out of work for almost a year and travelers aint doing nothing for me .Well I called a lawyer and he said he would take my case with no problem .Well I thougt my friend would care a little more about this ...And afteri broke my leg my friend said (I feel this is my fault and his parents told my mother they would take care of everything .What a lie and travelers don't care at all but they will after my lawyer gets a hold of there ass in court . GOOD LUCK WITH TRAVELERS INSURANCE YOU HAVE BEEN WARNED
beendonewrong on 04/13/2010:
Travelers has denied my claim of hail damage twice and I did file a complaint with State Insurance Commissioner. They contacted Travelers and then sent me the Travelers story and told me to get a STRUCTURAL ENGINEER at my expense if I thought Travelers was incorrect. HAIL damage does not require an engineer. I had two different roofers (out of four)show up with Travelers agent (roofers who previously declared I did have hail damages) to reneg once off roof with agent. I honestly believe these roofing guys got something to say they agreed with the agent and save Travelers the cost of the roofing job! Why, because neither roofer would look me in the eye as the shook their heads and agreed that I had blistering and "some minor hail damage", but not enough to warrant a new roof at Travelers expense.
Before sending my formal complaint to Insurance Commissioner, I did an extensive survey of my subdivision, contacted and received addresses of hail damaged and repaired roofs from three major roofing companies, and went door to door for days to compile a list of homes with new roofs that no longer had signs out to add to my list. THERE WERE 50 HOMES WITH HAIL DAMAGED ROOFS REPLACED! I have photos of my roof,and my neighbor's roof (which did get replaced).Ours leaked in five places in three rooms and his only one very small area in one room, yet entire roof replaced makes me question what is going on here!
Do I feel discriminated against? You Bet I do and today I'm contacting an attorney and two more roofing companies for further evaluation. I would like to have a list of Travelers denied claims homeowners across this country to start a class action suit. Send me your story.
RoofSouth on 05/19/2010:
I am the owner of RoofSouth (roofing contractor) in Huntsville, AL and I have run up against the same problem as you with a friend of mines home. Let me tell you, the roof is pounded with hail and Travelers only paid $4,400 for a $16,000 re-roof repair. And now, my friends homeowner insurance is going up almost $800.00 a year because of this claim and another they filed last year for a downed tree due to a significant thunderstorm. What is the point of insurance if they are just going to stick it to you in the end. View our blog at http://www.roofsouth.com/blog/
kephers on 08/06/2010:
you can get an engineers report and if the report is in your behalf the insurance company has to pay up or get sued. Plus they have to pay the engineers report.
Forewarned on 12/05/2013:
I have just read this thread and though it's 2013, three years later, I'm heeding this warning. Was considering insuring home and 4 vehicles with Travellers but am now striking them off my list.
Tim W. on 02/03/2014:
I recently purchased a cabin and the roof was replaced as per the purchase agreement. Travelers gave a great rate the first year, but then refused to renew because they claimed there were "lifting and peeling shingles" on the south side of the roof. I gave them documentation that the roof/shingles had all been replaced the summer prior, but it was not sufficient. I had been with Travelers for five years prior to this, but canceled all my accounts after this interaction.
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House Fire And No Help
Posted by on
ALABAMA -- My home recently caught fire. I was asleep when my chimney caught on fire. It was in the middle of the day. I had only lived in my home for two years and only would burn certain wood in my fireplace. I am fairly young and did not know how often I should have my chimney cleaned... however I notified travelers within one hour of my house catching on fire, after twenty four hours of not hearing anything from them I decided to call them back. It took almost 48 hours for someone to call me back to tell me to use my deductible money to check myself into a hotel, which they would only approve for three days. They also stated I would either have to buy my own personal items like toothbrush, makeup, and other supplies I needed for a family of four or I could ask the hotel for assistance with those items since it was short on cash. One person at travelers did tell me I should have received an emergency check hand delivered by a local agent, but when my claim handler finally notified me two and half days later she said no we would not receive any money upfront, we would be reimbursed for any extra expenses we occurred out of pocket!! THANKS FOR THE HELP AFTER A TRAUMATIC EVENT, ESPECIALLY SINCE I WAS IN THE ER WITH SMOKE INHALATION!!!!!!!!!!

Therefore it is now four days after my fire and I still cannot get a claim handler to return my call nor will her supervisor do anything to help me but will defend his employee by saying she out of town... Well since I have nothing to wear or nowhere to live I guess I can wait for her to get back in town... By the way her out of town is located twenty minutes from my house. TRAVEL AS FAR AWAY FROM TRAVELERS INSURANCE AS YOU CAN. my two small children don't understand why mommy and daddy are so upset and why we can't go home.... thanks again Travelers/Gieco.

OK, so now we are back in home, we have no carpet on the steps, no furniture in the living room, we are beginning the painting and floor refinnishing... and just received two checks from the insurance company...over a month after my loss. what I really thought was funny, on one of my bills it stated that travelers insurance co. is there for you quickly when you need them???? well, I guess their one mistake was my family. OOPS, MY BAD! we received a twenty something page confusing discription of what should be done to repair the house and my husband told me our agents supervisor told me had the comment on here printed out and with him...(hey, I hope you and your family are comfortable in your home because you have not helped my family, unless that includes giving us more stress and anxiety after my house caught on fire...thanks again!!) also, if you have travelers which is through geico, you get a depreciated value of what it costs to repair your home...until all the work is done and then they will reimburse you for the smallest amount. oh, that is so helpful, my house just burnt, you told me my medical ins. has to pay for my medical bills, I can only speak with my agent when it is convenient for them, I get a depreciated value of what it takes repair my house, I have pay for my own expenses for not being able to live in my home, ghee I forgot, I could go ask a hotel for help, or call the red cross as I was told,I put up front the depreciated value to fix my house, and my deductible and then wait who knows how long before I can get a check for the depreciated value.

NOT TO MENTION I HAD ONE COMPANY TELL ME MY WHOLE CHIMNEY NEEDED TO BE REPLACED AND THEN ANOTHER COMPANY SAID NO I ONLY NEEDED A PORTION OF IT REPLACED....SO I GUESS I HAVE TO GET A THIRD OPINION. I HAVE ALREADY COMPROMISE ON MY HARDWOOD FLOORS, THEY WILL NOT REPLACE THEM, THEY ARE GOING TO REPLACE ONLY THE BURNT PIECES...MAYBE IT WILL LOOK LIKE A RAINBOW WHEN WE ARE DONE! RED OAK, WHITE OAK, DARK OAK, YELLOW OAK, BLUE, GREEN AND ORANGE OAK. WHY DON'T I JUST LET MY FOUR YEAR OLD DO THE WORK FOR ME.

CHECK THIS OUT THE DAY THE AGENT CAME OUT TO MY HOUSE, NOT ONLY WERE THEY NOT TOO CONCERNED ABOUT THE DAMAGE TO MY HOUE BUT THEY SENT ME A LETTER STATING I HAD TO HAVE A CRACK IN MY SIDEWALK FIXED AND A PATCH ON THE ROOF THAT HAS BEEN THERE SINCE 1998 WHEN A TORNADO CAME THROUGH, BY MARCH OR THEY ARE GOING TO CANCEL MY HOMEOWNERS INSURANCE IN OCTOBER. ALSO THE AGENTS WERE NOT PROFESSIONALLY DRESSED, NO NAME TAGS WERE WORN, OUR AGENT INRODUCED HERSELF BUT, THE MAN WITH HER THAT DAY, WELL, I GUESS HIS NAME WAS BOB. WHILE THE REPORT WAS BEING WRITTEN MY HARTH WAS USED A FOOT STOOL, AND THE TAPE MEASURE WAS SCRAPED ALL ACROSS MY FLOORS AND WALLS, LIKE I HAD NOT SEEN ENOUGH DAMAGE TO MY HOUSE I HAD TO WATCH MY OWN INSURANCE AGENTS DISRESPECT MY HOME IN FRONT OF ME, THEN THE GALL TO SEND ME A LETTER TO FIX AND REPAIR THINGS THAT HAVE BEEN THERE FOR YEARS...NOT TO MENTION A LETTER STATING MY INSURANCE IS GOING UP IN THE MIDDLE OF ALL THIS. ooooohhhhh, I FAILED TO MENTION THAT I AM HAVING TO WAIT FOR AN APPROVAL TO PUT THE EXACT SAME CARPET THAT CAME OUT OF MY HOUSE BACK IN IT? OK, I STILL HAVEN'T FIGURED THAT OUT, I THINK THET SHOULD BE WEARY IF I WAS TRYING TO PUT A DIFFERENT TYPE CARPET IN?!?!?!?

WOW. LOOK AT ALL THIS GREAT CUSTOMER SERVICE YOU GET..
     
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saj80 on 01/22/2009:
Where is your agent? He or she should be assisting you with this.
madconsumer on 01/22/2009:
if your policy states 'reimbursement' then you won't get cash upfront. this is a feature one must verify before the policy is signed. look at your policy, and see what it states about emergency cash payments.
i want to sit on the lizzard on 02/01/2009:
agent? they came out to look at my house 5 days after it caught on fire, when I would call customer service they said you must talk to your agent who by the way would not answer her phone.RRRRRRUUUUUUNNNNNNN IF YOU HEAR THE NAME TRAVELERS INSURANCE OR YOU MAY GET BURNT TOO.
mesfly on 03/23/2009:
YEA THEY ARE TREATING ME THE SAME WAY RIGHT NOW. STAY AWAY FROM TRAVELERS INSURANCE COMPANY! I AM THINKING ABOUT GOING AND FILING A LAWSUIT AGAINST THEM BECAUSE I AM TIRED OF THERE LIES AND GETTING A RUN AROUND!MIKE FROM MD.
Soaring Consumer on 03/23/2009:
I suggest that you both get lawyers.

Contact your state's insurance board and the National Insurance Crime Bureau.
Anonymous on 11/15/2011:
It is probably because your adjuster has already gotten 80 claims for the month! Typically, 40 is the perfect number of claims but Travelers feels that the best way to increase production is to abuse customers and employees alike.
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Getting Reamed
Posted by on
Rating: 1/51
Traveler's Insurance got us to switch over to them and approved our coverage. They asked to increase the home coverage by over $20,000.00 We agreed and signed up. Well they send their inspector out and decide that to replace this home from a total loss will take more than $60,000 more than the home was valued at PRIOR to the market crash of 08. Talk about unrealistic. Funny thing is, it appears to be an industry wide tactic at the moment as my parents just got hit with the same tactic where their $60,000.00 home is now valued at $175,000.00. This is an unethical company that I am leaving and will not do business within the future.

To agree to coverage, then send a letter saying if you disagree with our calculations and do not want the additional coverage, please call - then you call and dispute their evaluation - and are told you have no choice but to pay the extra money. Just wrong. I agree to be covered to X amount. If the replacement cost of my house exceeds that amount, then guess what ... I assumed the risk. Any other act by the insurance company is frankly extortion.
     
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JoeKay on 08/10/2013:
A lot like the condo insurance co. I dealt with that would only insure me if I claimed at least $50,000 or more, of contents which includes absolutely nothing that is attached to the unit in any way (not carpets, flooring, cabinets, etc). On top of that, the original policy they issued "for $75,000" [exactly the words they used] turned out to only have $15,000 of structure coverage! Of course I found out when a pipe broke and caused $25000 worth of damage.

The insurance industry is crookeder than a dog's hind leg. It's important to note that they are seeking to reline their pockets after their huge (unexpected) losses on 9/11/2001 and to some degree, Katrina and the other hurricanes that year. Deal with insurance companies as little as possible and as cheap as possible, and for gods sakes, READ that policy carefully.
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I have never had so much disdain for a company, EVER!!!
Posted by on
Rating: 1/51
OKLAHOMA -- Tornado in Oklahoma this week and everyone is getting their houses repaired and their displacement taken care of EXCEPT those that have the great misfortune of having TRAVELERS!!!! Don't, don't, don't, ever get Travelers insurance!!!!! Did I mention don't get Travelers insurance??? Neighbors houses are getting their new roofs in and damage repaired, but not us, no, we have damage and mold (plus my daughter has asthma and the mold is very bad for her), etc, but they are denying us whenever and whatever they can!!! They originally approved us to stay in a hotel and then a few days changed their mind and we won't get reimbursed for what they said they approved!!! And the list goes on!!!! I will be on a campaign against this company for the rest of my life!!!!! I have NEVER seen such poor service from any company in my entire life!!!!

I rarely complain about any business and I am understanding of mistakes and occasional poor service, but this takes the cake!!! Please, someone put this evil company out of business!!!!

I really wish I had read the reviews on insurance companies back when I bought my house, they are rated one of the lowest in satisfaction and one of the higher ones for complaints!!!
     
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ok4now on 05/29/2013:
Finally an honest Traveler's review. I have been skeptical of the possibly of many "planted" 5 star reviews. Now the truth comes out. What happened in OK was truly devastating, the loss of life and property. You paid for protection and Traveler's not wanting to take the loss failed miserably. Your unfortunate experience has exposed them as the Toads who ripoff the honest paying customer. I'm glad that I dropped them.
Alain on 05/29/2013:
I second that, Ok4now! Travelers has deluged the Internet with phony 'compliments'. Now we are hearing from real customers. Travelers is NOT the wonderful company their fake reviews make them out to be.
clutzycook on 05/29/2013:
I was going to say the same thing. This is the second negative Travelers review in a week. Glad we're finally seeing their true nature.
Shawn on 05/29/2013:
Sounds like the way State Farm treated people down here on the Ms. Gulf Coast after Katrina.
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Cancelled Our Coverage!
Posted by on
Rating: 1/51
KNOXVILLE, TENNESSEE -- My wife and I had bundled auto (2 cars) and homeowners insurance with Travelers in Knoxville for ten years. We have never made a claim or missed a payment. Neither one of us has even had a traffic ticket in longer than that.

We moved to a new house and gave Travelers our new information. Somehow they failed to activate the homeowners policy, so we were unknowingly uninsured for five months. They never attempted to contact me, and it was sheer dumb luck that I called about something else and found out.

Recently I got a traffic citation, and Travelers cancelled my auto insurance. "It's our policy not to insure anyone with a citation in the last five years" an underwriter told me. "We'll be happy to give you a quote in five years." Unbelievable! I asked if my wife's auto coverage would remain intact, and I was assured by two different representatives at different times that she was covered. Then they send me a large bill for changes to the homeowners policy... when I called they told me it was because our bundle had changed.

Screw that! I switched everything over to the new insurer that had my auto coverage. In doing so, my premiums dropped $1,200 a year!
When the new coverage was in effect, I phoned Travelers to cancel the remaining policies... and was told that we had no auto policy, that they had cancelled my wife's insurance for MY traffic incident in MY car. I was never informed of that either by word or in writing. So she was without auto insurance for two and a half months. Although it's all in the past now, it still makes me livid to think how Travelers lied, cheated, and abused myself and who knows how many other customers.
     
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ok4now on 06/30/2012:
Let me try to understand this. For 10 years they accept your premium payments on two cars and a H.O. policy with no claims. This was pure profit for them. Then you get one citation and they cancel you? This seems extreme unless it was a serious violation. (DUI, fleeing he scene, accident with injury etc) You asked if your wife's auto policy would remain intact, wasn't this a joint policy for both of you? Why was she without auto insurance for over 2 months? You both could have simply changed insurance carriers immediately, even with a citation.

I have my H.O. policy with Traveler's but found their auto rates very high. For auto insurance I use Amica, eight years as a customer. Yeah I never heard of them either but found them through Consumer Reports being very highly rated. Used their claim service several times for not at fault accidents and their customer service is excellent. They have some of the lowest premium rates in the industry and have been in business for close to 75 years. Check them out for a low rate quote.
Alain on 06/30/2012:
Glad you took the time to write an honest review about Travelers. You may want to report this incident to the Tennessee Insurance Department via http://www.state.tn.us/commerce/complaint.shtml
tnchuck100 on 06/30/2012:
I can tell you from personal experience that reporting any insurance problem to any Tennessee government entity is a total waste of time. They are in bed with the insurance companies.

Several years ago I filed an insurance complaint with an inch thick package of confirmable documentation and referenced state laws that were being violated.

All I got back was a form letter stating we cannot confirm anything....case closed. Government corruption at its finest.
jonthethird on 06/30/2012:
How could you go without Homeowners Insurance? Did you pay cash for your home? My mortgage service company freaks out if they do not get the new insurance binder every year, on time.
jktshff1 on 06/30/2012:
CowboyFan on 06/30/2012:
OK4now - that is not profit. The OP received coverage during that period, which is what they purchased. Insurance works by a pool of people paying into a pool of money, from which those who have accidents are paid. Those premiums went to pay for other people's accidents, Travelers retaining only a few percentages for profit.

The fundamental basis of insurance is such that the fact a policyholder does not have a claim, does not mean that they did not get what they purchased: coverage. Thus, the op's money from prior years is not sitting in an account for them in case they have an accident this year.

The report uses the term "incident" but does not say whether that means the OP had an accident with citation, or just a citation. Obviously, having an accident can result in loss of insurance, based on that driving pattern.
ok4now on 07/01/2012:
CowboyFan: You raise a valid point. For argument sake I am the insured, you are the insurer. My auto policy premium is $3000 a year. I pay you this premium for 10 years ($30,000) and make no claims. Is this not profit? Yes you gave me coverage during this period but you didn't have to pay me a dime. You kept all of the money that went into the pool. So my $30,000 went to pay the claims of others in the pool. But as the insurer how much did you pay? Nothing!! Again other people's money paid the claims, you as the insurer made a pure profit. I'm not arguing with you, just doing the math.
CowboyFan on 07/02/2012:
OK4now - it is always other people's money which pays the claims to an insured in an insurane pool. The insurance company simply gathers premium from each person who is insured, pays off the claims, pays for administrative costs, and keeps a few percentage points for profit. The insurance company NEVER pays any claims with its own money, the money always comes from the other insureds in the pool. If it is paying claims out of its own money, the insurance company will go broke or out of business, as happened with hurricane losses in Florida.

The basis of insurance is not an individual account where the money is saved for that particular person. When you buy insurance, you buy coverage, so you don't take a risk.

Think of the converse: If you buy insurance for one year at $3,000.00 and have an accident with $50,000.00 in damages, would you say the insurance company had a $47,000.00 loss? No, because the money to pay that claim did not come out of the insurance companies own money, but out of the premiums paid by other persons in the pool.
C Epling on 05/20/2013:
I also have had Travelers insurance for a long time and I have all my insurances bundled. I own my own business and never had a claim and last year the rate rose $800.00 and now this year it is rising $4,000.00. I am furious, not only am I only working to pay taxes now the insurance coverage is taking the rest of my profits. I am working harding than ever and paying more, when will this all end. I just seen that Travelers had record earnings this year. I say lets all drop them and see how much record losses they can have. They are too big for their britches. We all need to revolt against them.
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Travelers Insurance is the Worst Homeowners Insurance Anyone Can Ever Buy
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HARTFORD, CONNECTICUT -- I would like to formally make a complaint against Travelers Insurance, Corporate Headquarters as the parent company, located in Hartford, CT. My complaint concerns consumer fraud along with consumer disrespect, derogatory treatment, negligence and discriminatory practices imposed upon me by Traveler’s Insurance.

To briefly explain the situation, I had a home owner's protection policy for rental property with Traveler's Insurance for an estimated two years. During the first 15 months I had not rented the property out to tenants. Once the property was Renovate I rented it in December of 2010. The tenants were evicted for non payment of rent shortly after they moved in. After gaining access to the property massive vandalism had been done by the tenants causing extreme damage and destruction to my property. A criminal report was filed. Travelers Insurance is not compliant with the terms of the policy they sold me. They have denied my claim using unrelated exclusions that were never presented in my policy and that do not apply to this situation. Travelers should not be allowed to create or add exclusions from other policies or from a corporate handbook and apply them to my policy or that of any other consumer in order to avoid paying on a claim. This constitutes insurance fraud. I was sold one thing and something different was delivered. Also if you check their sales and customer service department, along with the website, Travelers insurance marketing practices also lead to fraud in this case.

     
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Alain on 06/28/2011:
Take this up with your state's insurance commission or regulatory agency and see what advice they can give you on how to proceed.
Shakingmyhead on 08/05/2012:
Yes I work for an insurance company....You landlords HAVE got to start READING your policies!! I work with over 10 different companies and EVERY one of them states on landlord and homeowners polices that Vandalism and Malicious Mischief is not covered after 30 days of vacancy or the home is unoccupied for 30 days or more. This in true in ALL states. You just invested how much in to owning this property? Why do you not READ the terms of what you bought to PROTECT your investmet? I bet you you would have read the terms if it was a cash investment you made. Why would you not want to understand that?
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Terrible Customer Service - Suspicious Investigations Methods
Posted by on
Rating: 2/51
WASHINGTON, DISTRICT OF COLUMBIA -- I am outraged by my experience over the past five months regarding Travelers Property Claim HPS4964. The claim is for damages caused by the explosion of a water heater in an upper unit in my condominium building. The uncontained water spillage resulted in serious damages to my apartment as well as to five other units.

Whereas the condominium building’s master policy insurance assessed and partially settled some of the damages in two weeks, it took my Travelers insurance two weeks to simply show up and another five months to have a knowledgeable person contact me by telephone. And this only happened after I issued a complaint to a Traveler’s VP, Eric Nelson, on Thursday, November 14th.

In addition to unacceptable customer service – including twice losing my receipts and contractors information -- Travelers tried on several occasions to obtain the terms of the settlement with the condominium building’s master policy insurance from my building manager without asking me first. The manager refused to share this private information and advised Travelers to contact me.

I do understand the need for Traveler to investigate the claims and support the efforts. However, I find the act of trying to secure clients’ private data from a third party unprofessional and unacceptable. I was outraged when Travelers replied: “This is a procedure often used by our insurance claim representatives, and considered natural part of the Investigation.”

I have been a loyal customer of Traveler Insurance for several years through my car and home owners’ insurance. I expect better quality service. Instead, I received poor quality services at a time when I needed them to deliver the service for which I paid.
I trust this complaint will be investigated and remain open to answer any questions.
     
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Soaring Consumer on 11/20/2013:
A complaint to your insurance commissioner might be in order and you may want to hire an attorney to pursue action against Travelers.
S Pombo on 11/20/2013:
Thanks that sounds wise. I sent the a registered letter and ask them to respond within two weeks. If not, I will follow your suggestion.
Weedwhacked on 11/21/2013:
Do you really think "loyalty" goes far with an insurance company? They want you to keep paying them forever, and never make a claim! If you do make a claim, you are their enemy.
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Travelers Homeowners Policy Does Not Cover or Replace Losses.
Posted by on
Rating: 1/51
MELVILLE, NEW YORK -- We filed the claim on January 31, 2013 for water damages to our Condo residence . Today it is July 29, 2013, and Kenneth[snip] Travelers Claim Adjuster has failed to complete Travelers obligations in a timely manner and they have also been totally dishonest or truthful in handling any or all claims. Kenneth [snip] will always want to discuss everything verbally because he can lie and promise things that he will not honor if it is not in writing. Do not trust or buy home insurance from Travelers
     
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Alain on 07/30/2013:
Thank you for the warning about Travelers. It wouldn't be a surprise to see some suspect 'compliments' about this company appearing in response to this.
Weedwhacked on 07/30/2013:
This site is always getting suspect compliments on Traveler's. They sound more like Traveler's directing the only customers they do good by to post on this site for publicity.
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