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, ** 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 **. 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 ** 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 ** 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!!!
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.
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 refinishing... 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 description 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 house 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 introduced 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 that should be weary if I was trying to put a different type carpet in?!?!?!? Wow. Look at all this great customer service you get.
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.
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!!!
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.
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.
VIRGINIA -- I have rental property that was insured by Travelers. I have been a customer for 5 years. My monthly payment was 65.00, which I paid regularly through online banking. I accidentally made a payment of 55.00 instead of 65.00 one month. They actually cancelled my policy because of that. When I got the notice in the mail, I called and spoke to a sales agent who advised a new policy needed to be written. The new monthly fee would be 160.00. After much discussion with a supervisor, I was advised my policy would be reinstated. I submitted a payment of 75.00 to cover the original 10.00 mistake and the next monthly payment.
I called 11 days later because I received nothing in the mail about the reinstatement. The agent said that although they accepted and cashed my 75.00 payment they decided not to reinstate me. She said they called to inform me but for some reason couldn't leave a message. No letter or email was sent to me either. Oh and because they mistakenly cashed my check, a refund will be sent to me shortly. Thank goodness nothing happened to the house while it was uninsured for 11 days.
NASHVILLE, TENNESSEE -- We had a bad storm in Nashville, TN in August 2015 and I had a huge tree limb fall on my house. The adjuster was prompt in response although there were many demands on his time. The initial estimate noted possible damage after tree debris removal and unfortunately there was. When I called the assigned adjuster (Sean **) he was there in a short period of time to ensure no dangers existed and repairs could start as soon as possible. I have dealt with other insurance companies and can tell you this as fact, Travelers don't just talk, they walk! A good company made great by their people providing performance professionally.
WASHINGTON, DISTRICT OF COLUMBIA -- I am outraged by my experience over the past five months regarding Travelers Property Claim **. 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.