At the end of June of 2010 I was on my boat on a large lake in Southern Missouri. There was a storm and the boat was damaged. The entire inside of the boat was filled full of water, and the only thing that saved it was the flotation in it. I contacted my agent who told me to contact travelers. Travelers sent out their shipwright to take a look at the boat. I did not know where to take this boat to and asked the shipwright where to take it. He told me about a local marina. A week later, after not hearing anything from Travelers, I took the boat there, and asked them to do an estimate on the damages so I could send it in to Travelers.
My agent at the time told me that the cost of the estimate would be covered. I went out of state, and contacted the marina to see if anyone had been in to look at the boat. I was told by them that no one from travelers had been in. I contacted Travelers again, and they said they would send their shipwright down again. Part of the cost was that the marina wanted 8 hours (at 99.00 per hour) to drain the water out of the gas tank. When I came home I went to the marina, paid for the estimate and took the boat home. I again called travelers, and was told that they do not recommend anyone.
At that time I was told by their representative that they send a shipwright out to look over the item. He told me to take the boat to where ever I wanted the work done. I took the boat to a fiberglass shop and it sat there. The shop did the estimate on the glass work, and then took it to a marina they recommended for the rest of the work.
In September, I was told by Travelers that the representative that I had no longer was with the company and I would have another representative taking care of it. I told the fiberglass place to get the glass work done, and awaited the decision from Travelers on the rest of the damage. I told the fiberglass shop to get the work done since Travelers was not giving me authorization about the work. I had received a check which was not even close to the beginning damages. While the fiberglass work was getting done I was told that more fiberglass damage was found. Again the shipwright was to be sent out. I had also sent Travelers a copy of the second estimate for the other damage to the boat.
The marina had recommended that the motor be rebuilt, cables replaced due to corrosion, radio replaced, etc. Travelers rejected that estimate, and said they would not pay for it. The representative told me that the shipwright saw no corrosion damage on the items. How can they figure that out when a radio is under water and it is not damaged. The outboard stalls, and is not the same as before the incident. I have replaced the radio, and I am now replacing parts one at a time that they stated were not damaged in the storm. Needless to say I am not happy with them and have changed companies.
HARTFORD,, CONNECTICUT -- I have had Travelers insurance for 10 years on my home, cars I live in Vermont. Until now I have never filed a claim at my home. I have done many repairs on my home instead of calling in a claim, garage roof leaking water pipe in the wall breaking.
My wife noticed a large wet stain in our bedroom roof I felt the tiles and they were wet, so I went upstairs to our storage attic area and I fond water damage on the boxes, floor, now I have 2 roofs that connect but are separate from the main roof. They were additions built long before I bought the house. I'm only wanting the addition roofs fixed 2 20x20 sections not the whole roof.
So I call the insurance company and was told as long as the estimate does not go over 3200$ no inspector / adjuster is required send the estimates and the work can begin. great I thought. So I called 2 company's the first was a little company run by him and his wife who is struggling because he is a small independent no crew company does the repairs himself. So his estimate comes in at 3k.
The other company comes in a marked truck and 3 guys that all just came from a job so they stopped to do the estimate before going home. Company has been in business for years good references quality work dealt with many insurance company's. He writes the estimate for 3,111$ and explains that all will be fixed new tin/damaged insulation and bedroom roof tiles.
2 days later I get a call from said insurance company wanting to know why their difference in price. Then all of a sudden they want to send an inspector out (lie #1 all estimates were under 3,200 was told no inspector needed) so this barely out of college shows up and proceeds snow ball me. He now all of a sudden is an expert on roof repair and an expert in fluid dynamics. Thanks to an insurance company run training is OPINION. "Was it leaking a long time and thus may not be covered?" I said of course the water has to soak through the insulation first before it seeps into the bedroom tile.
The snow/ice had been sitting on the roof due to the ice dam for a few weeks now as luck has it. It's warm and it's all melted so evidence of all the buildup is gone. Still ice under the tin and old roof proving its leaking under the tin. He said they may PAINT over the rusted tin and fix some flashing that's about it never mind the water damage to the insulation and mold risk of an asthmatic wife.
So because I choose a reputable company over a one man band company I sit water seeping cause more damage and I am told I can not attempt to correct waiting knowing it will be denied after 10 years of paying more than enough to pay for the whole roof 5 times over. so much for a friendly old Englishman with an umbrella he closed it eating his crumpets with pockets full of my money saying so long chap thanks.
Well 6 months they paid 700$ and then hiked my rate and my mortgage went up 5% because of them. We called and they said they would adjust our policy in other words give us a lesser policy to bring it back to where it was so I pay the same and get less than I had before. So to recap I paid 3200$ to fix the roof and they gave me 700$ and raised my rate... after 10 years of home and my cars with them I more than paid my fair share to these crooks. They are crooks.
TAMPA, FLORIDA -- Our truck was stolen during a business trip. Travelers responded quickly and provided us with alternate transportation during the claim review period and followed up with a reasonable settlement. Every representative that we had contact with were considerate as well as efficient. I would highly recommend them. Thank you, Travelers.
RICHMOND, VIRGINIA -- We had freezing pipes during the winter blast of February that damaged the ceiling and destroyed the interior of our home. Travelers was there for us when we needed them and they worked with us every step of the way to return our home to a better situation that it was before. We had excellent communication with our adjuster and we are very happy and proud customers of Travelers.