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House Fire And No Help
Posted by I want to sit on the lizzard on 01/22/2009
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 is 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 no where 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 recieved 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 recieved 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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Posted by saj80 on 2009-01-22:
Where is your agent? He or she should be assisting you with this.
Posted by madconsumer on 2009-01-22:
if your policy states 'reimbursement' then you wont 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.
Posted by i want to sit on the lizzard on 2009-02-01:
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.
Posted by mesfly on 2009-03-23:
YEA THEY ARE TREATING ME THE SAME WAY RIGHT NOW. STAY AWAY FROM TRAVELERS INSURANCE COMPANY! I AM THINKING ABOUT GOING AND FILING A LAW SUIT AGAINST THEM BECAUSE I AM TIRED OF THERE LIES AND GETTING A RUN AROUND!MIKE FROM MD.
Posted by Soaring Consumer on 2009-03-23:
I suggest that you both get lawyers.

Contact your state's insurance board and the National Insurance Crime Bureau.
Posted by Anonymous on 2011-11-15:
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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Homeowners Insurance Fraud
Posted by SallyB on 01/06/2010
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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Posted by caveman54 on 2010-01-09:
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.
Posted by SallyB on 2010-01-10:
Thanks, caveman54. I have contacted the Missouri Insurance Commissioner and will see if that does any good. Appreciate the advice!
Posted by Dave22 on 2010-01-18:
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?
Posted by tileguy on 2010-01-28:
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 toke 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 dont 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
Posted by beendonewrong on 2010-04-13:
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.
Posted by RoofSouth on 2010-05-19:
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/
Posted by kephers on 2010-08-06:
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.
Posted by Forewarned on 2013-12-05:
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.
Posted by Tim W. on 2014-02-03:
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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Worst Insurance Company Award / Fraud Specialists...
Posted by JH47 on 08/14/2009
We were hit with a golf ball hailstorm in our neighborhood. All our neighbors, on every side of our home received new roofs by their insurance company due to hail damage. Travelers came out to our home and told us our roof was in excellent condition and by the act of nature we were spared by this storm. We contacted 3 roofing companies and all of the roofers said, "Travelers needs to pay for a new roof. Your roof will be leaking in 6 months. You have hail damage on the North, East, South, and West side of your roof!" I have pictures of big black circles all over the roof, where the hail hit it. Travelers hired an "outside" engineer to tell us our roof was fine. That way in case of a lawsuit they don't have the liability they would have normally had. I am sure the "outside engineer" also received a fat bonus for writing a letter stating our roof was not damaged by hail. Most people will not go through the trouble of pursuing a lawsuit and that is what Travelers is counting on. We pay them homeowners every month to insure our home, and the first time our home is damaged they come out here and tell us they will not pay for it!!!! We have contacted the BBB and Travelers has not responded to them either.
     
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Posted by Anonymous on 2009-08-14:
Did all three roofing companies you hired provide a written statement that the roof needed repairs? Remember if it isn't in writing then it's worthless.
Posted by moneybags on 2009-08-15:
BBB has no legal standing to force any company to do anything. It is a voluntary membershiop organization.

Take pictures, get the reports, estimates, etc and send them to Travelers, the adjustor, their legal department, your State Insurance Commissioners Office and your attorney. Let Nationwide know exactly who the info is being sent to. The insurance commissioner and your attorney (or the Judge) are the only ones that can force them to do what's right. Good luck
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Travelers Ins. Co. are cold and uncaring
Posted by Frontiermaggie on 09/30/2009
I have Travelers Home owner insurance through Geico. It's over 8 months since I had a house fire ( January 2009) and to this day (9/30/09)Travelers still hasn't finished settling my claim. Travelers are so cold and unfeeling, I've been through a real tragedy, a hardship, I have not been able to live in my house these past 8+ months. The stress from all of this has been making me sick. I made it this far only because of help from friends and family. I couldn't afforded to pay for the reconstruction/repairs myself but even if I could've I was told that I can't make repairs incase they need to re-inspect the property. So I'm at Travelers mercy, which they've shown me none. I've even filed a complaint against Travelers Insurance Co. and the adjuster with the NYS Ins. Dept. but all they did was forward my complaint to Travelers. Travelers weren't concerned, It seems that the NYS INS. Dept. have no real power or they don't care. About 3 weeks ago I received partial payment for my claim, so I've started repairs. I hope by next month, before the winter comes, I'll be back home again and maybe the claim will be finally settled. Travelers are the worst insurance company I've ever seen. The Travelers agents seem caring at first when they want your business, but watch out should you have a claim. I learned the hard way. Once this claim is finally settled I'm changing Insurance companies, I've had enough.
     
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Posted by MSCANTBEWRONG on 2009-09-30:
You may want to change insurance companies once you get this claim resolved.
Posted by Skye on 2009-09-30:
Thats crazy. You pay, and then when you need them, they drag you through the mud.

Good luck. I hope your house is rebuilt soon. And take Ms.CBW's advice, change insurance companies after this ordeal is over.
Posted by saj80 on 2009-09-30:
Also, file a complaint with your state's insurance commission immediately; this action gets insurance company's attention very fast.
Posted by Anonymous on 2009-09-30:
"Travelers Ins. Co. are cold and uncaring - Home owners Insurance."

Sounds like a typical insurance company. None of them are warm and caring.
Posted by spiderman2 on 2009-09-30:
Aren't Traveler and Geico two different companies?
Posted by voiceoff on 2010-01-03:
In my area Travelers is the company most used and their rates are much higher than other home insurers because they are regarded as giving good coverage. They do seem to hike the rates as much as possible though unless you are on top of it, perhaps. It depends where you live and who your broker is too, I would think.
It is a scary time when there is a fire or flood or whatever, and people are worn out and in need so the way a person is treated is so important.
Hope all works out well in the end.
I had a small claim once many years ago when my fence was destroyed by weather and they did replace it quickly. Not sure about roofing claims though.
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Very Satisfied With Claim
Posted by Gcroucher on 01/01/2014
My insurance claim was handled very professional and a check was given to me on the spot which I thought was very fair. I have checked various rates and Travelers was very competitive. I have been with them several years and have both my home and auto with them.
     
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Terrible Customer Service - Suspicious Investigations Methods
Posted by Spombo on 11/18/2013
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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Posted by Soaring Consumer on 2013-11-20:
A complaint to your insurance commissioner might be in order and you may want to hire an attorney to pursue action against Travelers.
Posted by S Pombo on 2013-11-20:
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.
Posted by Weedwhacked on 2013-11-21:
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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Getting Reamed
Posted by MARLOW.TM on 08/10/2013
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 with in 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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Posted by JoeKay on 2013-08-10:
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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Repair of Tree Damage to Home
Posted by Bronwen.berliner on 07/30/2013
A large tree fell on my house during Hurricane Sandy and heavily damaged an addition. The room had to be torn off and completely rebuilt. Travelers Insurance Company was excellent, fair and through in handling my claim and assisting me to find good people to do the repair work. I had no surprises related to this claim.
     
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Travelers Homeowners Policy Does Not Cover or Replace Losses.
Posted by HCCVCSC on 07/29/2013
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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Posted by Alain on 2013-07-30:
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.
Posted by Weedwhacked on 2013-07-30:
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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They Followed Thru
Posted by Joelleconnor on 07/10/2013
A tree on my property was struck by lightning. Within a week, Traveler's sent check to have tree cut down.
     
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