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.
DALLAS, TEXAS -- We lost our home to a fire on April 4, 2013 which started in the middle of the night in the attic above our second floor master bedroom. My husband and I lost everything except the pajamas we were wearing... all clothes, shoes, jewelry, my wedding dress my engaged daughter was going to be wearing... everything. Everything that wasn't burned was damaged from all the water and smoke. Thankfully, other than some burns my husband sustained, my husband and I and our two children, who were still at home, were alright. We did, however, lose a pet.
During this very dark time in our lives Travelers was a blessing beyond words. There is not enough we can say about how great our content's person, ** was. She was always quick to respond, fair in our settlement and I could always count on her to give me insight into how to navigate some of the murky issues we were facing.
When people ask me what would I would tell others after going through this here is my response: Install a smoke detector in your attic. Take your phone and snap pictures of the things in your home, closets, garage and attics. When shopping for home owners insurance, get Travelers!
KNOXVILLE, TENNESSEE -- I called today to cancel my home insurance policy with Travelers Insurance because I decided to go with my current auto insurance provider to make it easier on my family. Plus, I know that my current auto insurance company will actually provide assistance. The customer support first asked why I am canceling my policy. I explained and then they transferred me to another person.
The next representative stated that she could not cancel my policy and only the current policy agent could cancel it and she was out of the office. They stated they did not know when she would be returning. They could email, fax, or mail the policy back in with my signature in order for them to cancel the policy. I asked them, "are you serious that 'No one' in the whole company can cancel my policy?" She said, "no, it has to be in writing unless your agent is available." I told the representative that she could email me the paperwork but this is why I am changing insurance policies.
We had this company for the past five years and filed two claims. The claims they could not fix nor even tried to assist then demanded that we get it repaired. Please do not even waste your time with this company. All they do is collect your money but never provide assistance.
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.
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.
The gutter on the back of my house came off due to wind damage. We had it fixed immediately. We didn't even think about turning it in to our homeowners insurance until a friend mentioned it to us. We were not expecting this to go anywhere since it was a month later. Sure enough, however, I got a call immediately. Someone from Travelers came to my house, looked at the new gutter, took a copy of my repair work and invoice and wrote me a check for the repair less my deductible. I was amazed. This is true customer service.
COLUMBUS, OHIO -- Often one hears of the lack of concern of insurance companies when you must file a claim. After a recent storm we discovered our home had sustained roof damage. We were very concerned and unsure of our course of action. **, our independent insurance agent, was helpful, knowledgeable and concerned. He advised that we contact our homeowners insurance company, Travelers. **, who took our call on the Travelers 1 800 line was most respectful, pleasant and helpful. She assuaged our worries and provided all the information we needed to seek advice and help from Travelers.
Our claims adjuster, **, was prompt. His actions knowledgeable and, again, respectful and concerned. Everyone involved with our claim with Travelers showed the highest levels of professionalism and courtesy. No one wants to have the unpleasant circumstance of storm damage and the resultant need to contact your insurance company. What I can attest to, however, is that if you have an unfortunate need to seek advice regarding an insurance claim, Travelers and their staff have proven their professionalism, courtesy and dedication to their clients.