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.
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 in case 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.
This insurance company is a joke. My dog was tied to a pole right in front of my door (technically within my property) when a boy neighbor with his parents right behind him approached my dog to hug him. My dog got scared and bit the boy. I called Travelers to check on the repercussions of the event. Well, they said should they sue me I would be protected, etc.
Neighbors did not sue but guess what, since then, have not heard from Travelers and stopped receiving my bills. I then went ahead and signed up with another insurance company. Around 8 to 9 months later I got slapped with a letter saying they are canceling my policy because I have a vicious dog in my property. I should have heeded the advise of people from internet reviews. Just goes to show they will not be around when you need them but they would gladly take your monthly premiums.
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.
GEORGIA -- Last Sunday, a large tree fell on my property, totaled the maintenance mans truck and did damage to my neighbors car and my car. I call the claims dept. and told them what happened. Received a call Monday from someone in India. She told me what they were not going to do and to e-mail photos. I told her I did not have ability to do so.
I requested someone to come to my house and review the claim. In the mean time neighbor and maintenance are screaming to me "what are you going to do". Travelers them call back and said someone would be there the next day between 2:30 and 3. No one ever came, or called. At 4:30 I called and was treated with no respect. I read her the riot act, she hung up the phone. Someone called back and said someone would be there in 30 minutes, no show! They are not returning my calls and I had to call the police on irate maintenance man. Received a voicemail from insurance co, saying claim denied.
ARIZONA -- I recently purchased a home policy with Travelers Insurance. Shortly after they sent me a letter saying that my roof needed to be repaired and they wanted to further increase the insured value of the home. The roof is only 5 years old and had none of the damage they claimed that it had. Furthermore it's their job to insure my home against damages not to tell me when and if repairs are needed. Raising the rate is a scam to get more money. They wanted to insure my home for over 30,000 more than all the other companies I've worked with or gotten quotes from. Do yourself a favor if you're thinking about going with Traveler's Insurance and JUST SAY NO!!!
GREENVILLE, SOUTH CAROLINA -- I accidentally put a lid on a pot that had oil and chicken nuggets on the stove. The oil got too hot and caught on fire. I immediately moved the pot off the burner and turned off the stove. The fire was still coming out around the lid so I got the cast iron skillet and turn it upside down on top of the pot with the lid to snuff out the flames, this did not work. So, I ran and got the kids out of the house. Then I ran to the kitchen ran in the pantry and got a bag of baking soda picked up a hand full and threw it on the fire. The flames went out but I was left with smoke damage so I file a claim.
They came out and took down the information and they sent a check. But, several months later they dropped our homeowners Insurance. So long story short, I guess I should have let the house burn down. If this kind of thing ever happens again you can bet I will not try and put the fire out. I will let the thing burn. I'm not going to risk my life to save a house for a insurance company that will drop you like a hot cake for filing a claim. I thought that is what you buy insurance for accidents. Do not take out a policy with Travelers, because if you ever need them they will drop you.
WASHINGTON, DC, DISTRICT OF COLUMBIA -- I was very happy for nearly 10 years with my State Farm Home Insurance. But, before renewing my insurance I decided to call around. I called GEICO, my car insurance, to see if they had a better deal and they did via Travelers. I signed up and they said that they needed to come out and inspect to make sure that I did indeed have 2 separate utility meters because I have a 2-family historic Victorian row house. Well, today, after the inspection, I got a letter in the mail saying that because I had a tar and gravel roof and my cast iron front stairs had some damage I would need to replace/repair these in the next 65 days or else they would jack up my premiums.
I had no idea that they were looking for this (and the inspector never went on top of my roof) or that the price could change if they found things they considered problems. I've already called State Farm to see if I can come back. BEWARE of home Travelers' inspectors who say they are coming to inspect one thing and then inspect something you have no idea about that could cost you thousands of dollars to change or elevated premiums.
NEW JERSEY -- Travelers were very helpful in the initial call when my wife and I decided to change insurance companies. We were in the process of trying to save a couple of dollars and they seem keen on helping as with most companies. In any event just after ONE month their underwriting department did a reevaluation of the homes and found that the cost to rebuild would be twice as much as they originally quoted in addition to a $395k home it would cost them over a million dollars to rebuild... Yes 1 million dollars... To say the least when we made the switch we saved $600 a year at least that's what we thought!
We called and they simply said it is what it is! We're now in the process of seeking new insurance quotes! This business practice STINKS! Bait you in with a low quote and stick it to you 30-60 days later... Hope you found this helpful and not becoming a victim to TRAVELERS!
For the past five years, I have been a satisfied Travelers customer. I have never filed a claim with them and they have kept the premium low. Just got my renewal bill in and the price jumped almost $400.00! Huh? They included no explanation for this. Called my insurance agent. As soon as I said Travelers he stopped me. He said his phone has been ringing off the hook with complaints about this increase.
I live in PA and my agent has written the second most policies in the entire state. He explained that all insurance companies have taken a hit in the last year with claims. For every dollar taken in they have paid out $1.17 in claims. They have lost money and now want to get even. They're like a casino, they don't like to lose. Prior to this yearly loss, Travelers was making a huge profit but they fail to mention that. I refuse to pay this extortion premium increase. My agent got me a great rate with Liberty Mutual. Travelers shot themselves in the foot and will lose many customers. Shame on them.