Travelers Insurance Complaint - Travelers Insurance roof repair runaround
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 is it was 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 its warm and its all melted so evidence of all the build up 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 asmatic 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 then 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 then 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 then paid my fair share to these crooks.They are crooks