Travelers Companies, Inc.

Review: First off I want to express this issue could have been very issue for Traveler's Insurance to have avoided in the first place. It is due to employee negligence that caused it.

I lived in [redacted] and had my renters insurance and car insurance through travelers. I bought a home at the end of May in [redacted]. I called and canceled my renters insurance and added home owners insurance. I told the representative that I needed to change my auto insurance from [redacted] to [redacted] and gave her my new address. She took my new address, but said there would be no price change or difference between the states. She seemed to have an attitude that I was asking questions as to what needed to be done to switch my policy to a new state. She said it was done and that was that.

Here is where the trouble starts. In September, my credit card had had an unauthorized charge on it. I had the card canceled and a new one issued. I called Travelers to update them about my payment and that's when I found out my policy was never updated from [redacted] to [redacted]. I had over paid for about 5 months. The [redacted] policy is about 25 dollars a month lower. I was assured I would get either a refund or a credit for the amount I had over paid since this was the employee had been negligent in providing me a new [redacted] auto policy. A week later I called back for an update on the situation. It turns out I was now being billed for both [redacted] and [redacted]. The Representative canceled the [redacted] policy. However, I asked about the refund. I was transferred to a manager named Denise at ext [redacted]. She basically blamed me for the whole situation. Her defense for the poor service and mistakes the representatives kept making were my fault for some how not providing them with the correct information. She refused to refund me or give me a credit because no matter what mistakes Travelers auto insurance makes it is always the customers fault. I asked for a new policy. I stated I had moved from [redacted] to [redacted]. How could I make it any simpler or more clear. She actually thought the company deserved praise for issuing the new [redacted] policy in September when I called back in May. feel this is unacceptable. The original employee I called to issue a new policy did not do her job by any means even close. It seemed she was five minutes from the end of her shift and that was it. Travelers could just simply own up to the mistake. They refuse to own up to it, but worse want to blame me for it completely. I am not currently impressed with Travelers. I use to think it was a good insurance company. I have been with this company for six years. Denise could care less about fixing this issue or owning up to the responsibility Travelers has to keep customers information accurate and up to date even if they lose money to lower policies depending on different states.Desired Settlement: I would like to be refunded for the amount I was over charged for the [redacted] policy. It is around $125.00. If Travelers had did their job that day in May , I would have been billed for a [redacted] policy which was around $25.00 dollars lower. I never even received a half- hearted apology. All I have received from Travelers is constant mistakes on issuing a new policy and blame for their failures to issue a new policy and to correct the original representatives mistakes.

Business

Response:

A response was sent to [redacted], $273.93 refund was reapplied to ** policy as insured requested.

Review: They charge $3.00 for sending a bill in the mail or $2.00 all monthly to send you an electronic bill, this was never disclosed and from what I have seen online is not necessary or allowed. I called to get resolved or at least get a refund on some of them but they were uncooperative and would not transfer me to someone who could help me.

Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like a refund of the fees since it was not disclosed and if it was, I would of paid my premium up front to avoid additional charges

Business

Response:

Business Response /* (1000, 5, 2013/08/07) */

A response was sent to Mr. [redacted] on August 7, 2013 from Travelers Glens Falls Business Center. At Travelers, we offer several different payment options to our customers that allow them to chose the payment method that is most convenient to them. In Mr. [redacted]'s new business package as well as with his renewal, there was enclosed a billing disclosure notice that provided him with the available payment options and fees associated with each. Another copy was sent with this response to Mr. [redacted]. Based on this disclosure we are unable to reimburse the fees requested.

Consumer Response /* (3000, 7, 2013/08/09) */

(The consumer indicated he/she DID NOT ACCEPT the response from the business.)

They sent me nothing of the sort, blatently lying, this is not expceptable and it based on principal at this time. I disclose all charges to my customers in my industry.

Review: Immediately following a valid and paid claim my home insurance rates were raised by $1600(incidentally about the amount of the claim). The company failed to inform me of these changes and simply passed the bill on to my mortgage company who paid it. Fast forward 10 months and my monthly house payment goes up dramatically because the mortgage company suddenly wants their money back. Insurance company says it's not their fault, mortgage company says it's not their fault either, both redirect me to the other. Insurance customer service rep stated "it was a state-wide increase" which is demonstrably false information.

I'm filing a complaint against both the insurance and mortgage companies since both were complicit and both refuse to accept responsibility.

I've been deprived of the opportunity to shop around for a better rate, and quotes from other companies suggest the raised rate is outrageously high. If I refuse to pay a grossly unfair charge I could lose my house.Desired Settlement: I want my reasonable insurance rate back and the $1600 Charge removed and to be credited for what I've already had to pay or risk foreclosure.

Business

Response:

A response was sent 2/27/2015 to Mr. [redacted], outlining the premium for current policy term and prior policy term. The increase was $875, but not by $1600.A review of the claim notes indicated it was reported timely, claim was paid and setteld March 29, 2014. due to the timing of the claim closure, the claim was not used in the rating of the polcy renewal 4/30/2014 to 4/30/2015. The policy renewal documents were printed and mailed on March 11, 2015. Per the GEICO phone contact records, there is no contact from Mr. [redacted] in regards to the renewal premium until February 3, 2015. The increase in Travelers homeowner insurance rates in Alabama were discussed with Mr. [redacted] on February 3, 2015, which was the reason for the increase in his policy.

Review: On April 21st, 2014 I cancelled my Insurance Policy with Travellers Insurance after 17 years. I made a payment on line for the amount equal to the current month. I did not hear any thing from Travelers, although I taught I overpaid. On August 15th I received a letter from a collection agency telling me that I owed the amount of $75.65. I had no correspondence with Travellers explaining why I have a balance of that amount.I had new Insurance on April 21 2014 from [redacted], whom I had contacted My broker which was [redacted]. Neither the broker nor Travellers contacted me. I would like an explaination.Desired Settlement: I would like an explaination from some one telling me why I am owing this money because I thing that they owed me that money.

Business

Response:

A response to [redacted] was sent August 25, 2014 from [redacted] Business Center as follows:

"Thank

you for your recent inquiry to Travelers through the RevDex.com. We appreciate the opportunity to address your concerns.

Review: I filed a home insurance claim with Travelers regarding wind damage and a leak sustained during the storm of October 2012. I did not know I had a roof damage until my chimney contractor I hired brought it to my attention on May 17. After that, I had three roofing contractor who all indicated that there was wind damage and hail damage. [redacted]. After the insurance representatives, [redacted] and her supervisor [redacted] came to inspect the roof On June 16, 2014, my contractor, [redacted], showed them several areas in my roof that had wind damage. They conceded that I have damages but declined my claim because I could not prove to them that the damages happened on that day. They cannot prove that the damages did not happen on that day. I have been insured by Travelers since I bought my house in October 2008 and then I switched to a different insurance carrier on Feb 2013. The house was inspected by the bank as well as the inspector I hired. There was no damage whatsoever. I told [redacted] that I found one shingle and debris on my yard following the storm of October 2012 right before Halloween. I remembered this so vividly because it was so windy that I had to fill two city garbage pails with water and tied them to the swing set that was not anchored on the ground. I also told her that I contacted my agent regarding the leak who advised me that it was not worth claiming it because of my higher deductible. I did not think much of the shingle and the debris I found on the ground until the chimney contractor told me about the roof damages. I sent her the receipt for the chimney work because she wants to confirm my story. She even contacted the chimney guy to verify it. The claim handler was skeptical about why it took so long to file the claim. I explained to her that I don't get on my roof to look for damages. if it was not for the chimney contractor, I would have never found that out. Travelers are clearly acting in bad faith- violationDesired Settlement: they have to replace my damaged roof

Business

Response:

A response was sent to [redacted], July 25, 2014 from Travelers Hartford CT Claim Service Center as follows:

"

Please accept this letter in

response to your correspondence to the Revdex.com dated July 18,

2014. I appreciate the opportunity to

review this matter and explain the handling of this claim.

Review: I am filing this complaint on behalf of my parents..My mother who handled all business passed [redacted] in April and now I am responsible for handling business affairs. We received a letter that my parents home owners insurance will not be renewed because they had 2 claims in a total of 358.00 filed last year. This is something I believe should be explained to consumers and especially Senior Citizens. My mother would not have probably filed these claims had she known this would be the outcome. In the eyes of my mother she thought she was doing the right thing by filing the claim because she was a victim of their and her food went bad in her refrigerator spoiled and Travelers said these are the things that they cover. It was not explained that her piece of mind would be interrupted if you ever have to use the services that you pay for every month. My parents have been customers with Geico and Travelers for years and it is disheartening to know that this is how loyal customers are treated, especially those that are seasoned in age. At such a time in my families life just losing my mom, I now am faced with trying to secure insurance for my dad and no further rock his world.

Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like for their policy to be re-instated and for it to be explained better the possibilities of the lost of policies when claims are filed and not given the impression that all is well when filing a claim.

Business

Response:

Business Response /* (1000, 5, 2013/08/21) */

A response was sent to Mr. [redacted], 8/20/2013, Travelers Glens Falls Business Center, and based on a call Mr. [redacted] had with Travelers Representative, it was agreed that policy would renewal, conditional, on a $1,000 deductible. Mr.[redacted] was in agreement.

My mother and father have a house insurance policy which they have paid on for 30 years not making any claims. Due to the heavy snow last year their garage sank in the middle due to posts not having footings under them.(they bought it that way not knowing) When I moved in last winter (their in their 70s) I removed the snow with a home made snow rake but it had already sunk down almost to collapse. I had my mother make a claim because it was a structural problem. I told the guy that I haven't touched anything because I didn't want it to collapse on me. So vines had traveled into the building's wall that I didn't pull out. Because of the vines and no footing they called it neglected and won't pay. My parents pay this insurance company good money and when needed they come with excuses not results even paying a engineer to come look at it who then dug under my post losing what integrity it had. They only needed to pay out $3000.00 to fix this problem which is about what they paid the engineer to pass the buck. Very disturbed by this and I'm contacting my friend in the US Senate to further investigate this practice. Good luck with this company as security for your investment they will promise you the world until it's time to pay you.

Travelers Indemnity Company of America as operating within NM has been the absolute DIRTIEST COMPANY I have dealt with in my life. They have attemptrd with all their Deceptive Practices to short the Claim of my mother of whom is (88) years of age and disabled and of my joined claim .

Review: Called traveler's insurance 16 times in a three hour period to make a payment. Called yesterday on January 3rd, and the representative said I could call on Saturday from 7am to 5pm. I started calling today at 2:30pm and was given 11 different numbers via the business' website and automated services. My insurance was going to be cancelled and I have until midnight eastern time to make the payment on January 4th.The number to make payments wouldn't accept my payment and the online payment website wouldn't allow me to sign up because I live in [redacted].

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

Financial compensation for all my lost time and frustration with this company. I want the company to be more accessible for myself and other clients trying to make payments to this company.

Business

Response:

A response was sent to [redacted], January 9, 2014 from Travelers [redacted] Business Center as follows:

"I was recently made aware of the concerns that you expressed

to the Revdex.com relating to the inability to contact us during

normal business hours in order to transact business pertaining to your

automobile policy.

Review: Multiple calls needed to get policy cancelled. Policy premium taken out of bank account after policy cancellation. Refunds not issued when promised

I first tried to cancel my renters insurance policy on May 27th. [redacted] noted that the policy was canceled but Travelers did NOT. Called again on May 30th to have policy cancelled, and it was finally cancelled and a refund of $22 was supposed to be issued for the policy premiums paid in advance. on June 5th another policy premium of $16 dollars was taken from checking account, nearly a week after the policy was CANCELED! Another call was made to Travelers, where they apologized for the "inconvenience" and said we would be getting a $36 dollar refund immediately (a full $2 less than the amount that should have been issued $22 refund plus the $16 that was taken when it shouldn't have). To this date (with 3 more calls made to travelers and [redacted] is trying to help get this resolved), and we have STILL not received our money. Money in which we are owed; $16 of which should have NEVER been taken to begin with. This is $16 that was money that came out of my FOOD budget (on a limited income $16 is a big deal), and when Travelers heard this they said "sorry for the inconvenience". Now they are saying that money has been issued, but the bank has NO record of it; and that they have 30 days to stop payment and then reissue the payment. What happened to MY MONEY??? It is not my fault that they are incompetent and not only couldn't cancel a policy the first time, but to then take money out of my accounts AFTER the policy was cancelled and then tell me "oops" and we'll get the money back to you when we please is NOT acceptable. It is theft to take funds that are not their own, and then not return them IMMEDIATELY! If the $16 is not returned immediately, we will file a police report for theft! The $22 refund we understand they have time to give back, but the $16 that they took after the policy was cancelled is NOT a normal refund it is a refund of funds that were not theirs to begin with!Desired Settlement: The $16 that was unlawfully taken from checking account after the policy was cancelled. This $16 I would like immediately. Plus, the $22 refund that was promised when the first call on 5/27/2015 was made to cancel the account; for over payment of premium to the canceled account.

Business

Response:

A response was sent to Ms [redacted] 6/16/2015.The notes from the account were reviewed and she should have received the $36.00 refund. An additional $2.00 is being refunded and should reach her account within 5 business days. Contact information has been provided in the response letter in case she has not received that $36.00 refund.

Review: I bought Travelers Insurance to insure a second home in Washington State. A few weeks before the policy was up for renewal I received a letter from Travelers saying they were terminating the policy.They cited failure to "receive requested underwriting information". They had never asked me for any additional information.They cited "occupancy status of the dwelling". This is odd, since it has always been declared as a second home.There was no telephone number or address included on the letter from Travelers for any questions or issues to be dealt with.A second page of the letter said that they were basing the decision on information from a company based in New York. Who or what this company does is not clear. What this other company knows about property on the West Coast is not clear.I am referring Travelers to the Revdex.com for their ridiculously high handed and uncommunicative approach and highly recommend using a different insurer. I am currently in the process of refinancing and this is just the kind of thing that can mess you up. I hope Travelers' changes its approach to customer service.

Product_Or_Service: Home and contents insurance

Account_Number: XXXXXXXXX XXX X

Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like Travelers to contact me - preferbaly by telephone or e-mail - and to renew the policy.

Business

Response:

Business Response /* (1000, 5, 2013/04/29) */

A response was sent to Mr. [redacted], 4/29/2013 from Travelers Glens Falls Business Center. Travelers eligibility requirements stipulate that if we insure a secondary home, we must also insure the primary home. Travelers understood that the dwelling in Washington was not his primary home, but that it was only temporary and Mr. [redacted] would be moving from Iowa. On that basis, Travelers agreed to issue this policy, with the expectation that we would be notified when the Washington dwelling became Mr. [redacted]'s primary residence. An inspection in June 2013 determined the home was unoccupied. Recently, Travelers learned that this dwelling will remain as his secondary home. Because it is not Mr. [redacted]'s primary residence, the policy was non-renewed.

Review: On April 1, 2014, I was issued a homeowner's policy from Traveler's Home and Marine Insurance Company through my insurance agen[redacted] Insurance. Upon issuance of the policy, Traveler's debited my checking account $173.36 as the initial payment. Subsequently, on April 21, 2014, Traveler's again debited my checking account $49.50 for an unknown reason.On April 23, 2014, I received a letter from Traveler's stating there were some maintenance items/conditions that had been identified that needed repairing.After submitting the requested proof/photos showing the identified maintenance issues had been addressed, I received a phone call and email from my insurance agent, NSL Financial/Nationwide, that the repairs were unsatisfactory and that my insurance coverage was canceled effective June 3, 2014.Desired Settlement: I am hereby requesting a full refund in the amount of $252.14. Traveler's should have first inspected my home to determine if they could/would provide insurance coverage before they took money from me. Yet Traveler's took my money only to notify me weeks later that I must make several exorbitant repairs that they knew I would not be able to make in such a short time so they could justify stealing my money and cancelling my policy. I feel I was illegally lured into theft.

Business

Response:

A response was sent to [redacted] May 20, 2014 from Travelers Spokane WA Business Center as follows:

"

Thank you for your recent inquiry to Travelers through the

Revdex.com. We appreciate

the opportunity to address your concerns.

Computerized to the point of incompetence. Sends duplicate paper work, no interoffice communications to correct it, and worst of all everyone you talked with had a different answer to the problem. Still getting bills after policy was canceled 12 days ago. Refund on unused home policy 6/19/2015 but no action on auto policy as of 6/282015 and both were cancelled the same day. Used the ol bait and switch to get me to sign up, then raised my premium. Had to cancel and go back to my old insurance company, what a mess.

Review: I have been a customer of Travelers Home Insurance since March 2012. I have never had a lapse in payment, or an interruption in coverage.

Unfortunately, in April 2013 and May 2015, I suffered loss in my basement due to the backing up of the city's sewage lines.

In the first incident in 2013 due to the level of coverage Travelers payout to me only covered cleanup and mitigation of the sewage damage. I was unable to cover restoration of the two feet of drywall, baseboards, or property loss.

In the second incident in 2015, the same thing happened with the city's sewage lines backing up and draining into my basement through the toilet. Again, the restorations of the drywall and baseboards was not covered (basically because it had not been restored from the original loss).

Please note, that the loss was due to the city's negligence. The came out and admitted that they failed to sweep the sewage line free of piled up trash. However, I was unable to recover from the city. Travelers stated to me the last incident that they would attempt to recoup from the city. I don't believe they attempted to do so.

At no time during the first loss or the second loss did the Travelers representative inform me that if I didn't replace the two feet of drywall and baseboards that my policy would be cancelled. I was not informed verbally or in writing.

In December, in a letter dated December 5, 2015, I was contacted by Travelers to that I needed to inform them by December 26, 2015 if the baseboards and drywall had been replaced, and to provide documentation of such repairs. It also says that if I an unable to make the repairs, we can discuss further.

At no point in this written correspondence did Travelers say that my policy will be cancelled if the two feet of drywall and baseboards were not replaced by December 26, 2015. At this point, I have not been informed verbally or in writing that my policy was in jeopardy of being canceled (although I've been in contact consistently due to the most recent loss).

In a letter dated January 25, 2015, I was informed by Travelers that due to my failure to fix the drywall issue my policy won't be renewed in March 2016. This had nothing to do with fixing the drywall, or Travelers would have informed me after the first loss that, although restoration of the drywall wasn't covered, I was still responsible for replacing the drywall to maintain coverage.

Travelers has used my legal claims to make an adverse decision to cancel my policy. My basement was thoroughly mitigated after both losses, and inspected by Travelers Insurance Reps. Not one rep said to me that restoration of the drywall was mandatory to maintain continued coverage.

Travelers is simply finding a way to avoid what they perceive as possible future losses. This is unfair practices, specifically to paying customers. Additionally, I was informed by Travelers that they have a process that they go through when the city is at fault to recoup funds paid out on claims. Not one time have I been informed that they actually went through that process on behalf of me or themselves. I attempted the process on my own the first time and was denied by the city. However, I shouldn't have to do anything since I pay my insurance premiums religiously.

I feel cheated, and I believe that Travelers is pushing fraudulent or unethical practices that leaves customers without coverage because they don't want to payout on legal claims.

The only answer that I have gotten from Travelers is that I didn't restore the drywall. They won't be able to show in writing or state that they informed me verbally - not even in their recent letter dated December 5, 2015.

I would like my policy to be continued, and at a reasonable cost on par with the last three years of coverage. I do not wish to be subjected to their unethical practices - cancelling without legitimate justification or using loss/payouts resulting from legitimate claims as a pretext for cancellation.Desired Settlement: I would like my policy to be continued, and at a reasonable cost on par with the last three years of coverage. I do not wish to be subjected to their unethical practices of cancelling without legitimate justification or using loss/payouts resulting from legitimate claims as a pretext for cancellation.

I would like a call from a management official is capable of making decisions on policy retention, not a customer representative with no authority to make changes.

Business

Response:

A response has been sent to [redacted] today, 2/9/2016, with an explanation as to why the cancellation of the policy stands, due to not providing the requested documentation that some repairs were corrected.

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

As stated in my initial contact. Travelers never made replaced drywall and baseboards a condition upon which my policy could be cancelled.

The removal of the drywall and baseboards occurred over two years ago during the first water/sewage loss. I was not reimbursed for the anything but mitigation services.

I expect to be informed of the conditions of the service provided by Travelers. Providing documentation of fixing the drywall and baseboards was not stated as a condition for continued coverage in any letter or documentation sent to me from Travelers.

The sudden cancellation is due to me using my policy like a paying customer does. The purpose for paying for coverage is to ensure that losses to the payee are covered. It is not to pay a large company year after year simply to be paying.

My basement is not dangerous, is not exposed to the outdoors, or out of compliance with any laws that exist. I use my basement regularly.

If lack of drywall and baseboards were hazardous, houses today wouldn't contain exposed brick as a desired aesthetic. Again, using lack of drywall and baseboards is simply pretext to deny paying customers coverage for losses suffered to no fault of their own.

Sincerely,

[redacted]

Business

Response:

Travelers position remains unchanged, therefore, no additional response will be sent.

Review: We have had this insurance co. in the past up until September 2016, we now have Hartford ins. com I paid travelers a total of $1353.73 2015. May 18.2015 $973.63 June 18/2015 $380.10. they have now put it in a credit Collection services. I spoke to them tonight, and they have not acknowledge my last payment. it was done on line from my bank. I have the proof they were paid. Please help me.

Business

Response:

A response was sent to Mr. [redacted] on February 1, 2016 outlining the premium payments made to Travelers for numerous policies, and any unpaid premium balances apart from the payments made. With his inquiry, we acknowledge that Mr. [redacted] may not have understood the earlier account bills. As an accommodation, we have suspended collection activity on his account for thirty days. However, Travelers review has confirmed the premium balances due are based on coverage we provided to Mr. [redacted] and that they are outstanding. Mr. [redacted] is urged to contact Travelers collection vendor to make payment arrangements at his earliest convenience.

Review: November 5, 2015 I called Travelers insurance to make two claims. The first claim was for A leaking roof, the second was for plumbing issues from a busted pipe in the bathroom. On November 13, 2015 claim professional by the name Domingo g[redacted] (###-###-####) came out to assess plumbing issue. Because of the extensive water damage and extremely high water b[redacted], in servicing clients in the salon. We had the plumbing issue rectified prior to him coming out. We were unable to answer questions asked by Mr. G[redacted]. He wanted to know if the pipe that was the place was under on top of the soil. We gave him The plumber information to contact him directly. We received a letter of denial from Mr. G[redacted] stating the leakage have been going on for more been going on 14 days. On November 11, 2015 a claim professional by the name of Thomas b[redacted] (###-###-####). Came out with another young man to assess damages. What's question he had for us was do you guys have a mortgage on this building, then he proceeded to ask how old is the roof. Mr. b[redacted] look at the damages inside of the salon from the roof damage went outside came back with the pictures of the flashing explaining that water was coming from the flashing not and sealed properly. Then said It looks like regular wear and tear which is not covered therefore they would not be covering our roof. We called the contractor out to come cover the flashing as indicated by Mr. b[redacted] The contractor took pictures of the entire roof and it shows where all the leakage was coming from. Pictures show the shingles have been damaged from the storm we had allowing the rain to get under the shingles even soaking through to the Plywood. So as a courtesy the contractor Sealed flashing, nailed down shingles because It was going to rain which it did) the next day. On November 25, 2015 I contacted mr. Corey B[redacted] (###-###-####). I told him exactly what the contractor said and asked if they can come out and reconsider the claim.. Mr. B[redacted] asked me to send him pictures from the contractor. I received email from Mr. B[redacted] confirming he received pictures I emailed, and he forward them on to a Mr. Octavio M[redacted] (###-###-####). On December 4, 2015, I received a email and phone call from Mr. m[redacted] stating he w[redacted] contact me by Wednesday, December 9. As of today December 15, 2015 I heard from no one. My claim numbers for both claims are [redacted]Desired Settlement: I am requesting the full amount paid to our contractor $6800 for the pair of entire roof including plywood and shingles. I am requesting $3600 to complete the inside of the salon from the damages from the roof. I'm also asking that someone you baggie with the claim for the plumbing issue in the bathroom as well.

Business

Response:

A response was sent to [redacted] 12/29/2015.

Both claims were denied due to policy exclusions.

Additionally, the roof leak claim was reopened, for consideration of documents received from [redacted]'s contractor, however, when Travelers requested a re inspection of the roof, it had already been replaced and contractor was just finishing up. Travelers was not given the opportunity to re-inspect the roof therefore no further consideration could be given.

Contact information was provided in this response to [redacted] if she had any additional questions.

Business

Response:

An additional response was sent to [redacted] from Travelers on 1/20/2016, however this complaint is not available for us to post the response on the Revdex.com website. “The response outlined the timeline of the claim, and after review of the claim our position remains the same and no additional consideration can be made.” Patricia * D[redacted] | Sr Compliance Consultant | Corporate Compliance, Consumer Affairs Travelers One Tower Square | MS08A Hartford, CT 06183 W: ###-###-#### F: ###-###-####

Consumer

Response:

Review: [redacted]

I am rejecting this response because: Traveler did not act with due diligence. Travelers did properly inspect our roof and did not attempt to reinspect anything. These people are a fraud and are only concerned about collecting premiums and not honoring customers policies. I want to be reimbursed in full for the costof our roof repair which is approximately $7,000.00 .

Sincerely,

Review: I cancelled my policy 8/18/15, switched to [redacted] Insurance, gave written notice of cancelation, and received Travelers confirmation they received. I paid my last premium the day I received their confirmation. Travelers called numerous times to get my business back, and I refused each request.

I receive a collection phone call November 20th at 7pm in the evening, I was at a work function dinner, that Travelers has sent me to collection for $319. I was livid, never had they contacted me, stating that I owed them money. I asked for a Travelers person to contact me as I have no outstanding debts and pay my bills much less have been sent to collections for any reason.

I received a collections notice from the collections agency, nothing about why I owed, just that I would be reported for not paying bills?

I copied the letter and sent to Travelers headquarters. Explaining this was a false claim.

I then received another call from collections person 2 days later. They explained this is Travelers Policy. They have in fine print they can add any fees if you cancel their policy.

I was on the phone for an hour with the person, again furious. I have the means to pay but what about the elderly or others? This should be an illegal practice to harass people. I want Travelers to have a horrible rating for this.

I ended up settling for half the amount $160, that I did not owe because I felt if I had another call from a collections agent I may stroke out!

Please feel free to publish this entire account as I will online rate them everywhere I can.

This is extortion

Awful practices!!!Desired Settlement: Stop these practices, Report Travelers

Business

Response:

A response was sent 12/16/2015 - outlining all payments made.

My findings conclude that the balance due was for the time which coverage was provided through August 18, 2015. In your inquiry to the Revdex.com, you mentioned a payment that was made on the date you requested cancellation of your policy. Unfortunately, our records do not reflect that we received this payment. Enclosed, please find a summary of your billing activity from May 18, 2015 – October 29, 2015.

Review: Travelers Insurance.All my street houses got full roof replacements except me. We have been singled out and engineer adjuster will come for 3rd time.

I have been with this company all my life. Renters, home owners insurances. Then we had hail damage. All houses on my street: houses in front of my house and the house next to me (we share a wall) got full roof replacements from there insurance companies. Except me with Travelers!!! First adjuster did not even went up on a roof, and issued a partial roof replacement only due to the valleys being damaged. Maybe 20% of total roof and labor of 1 hour! This is such a clear case of Willful Neglect, that we are considering sending a letter to the state attorney general.

When we complaint to insurance, there response was "case closed, as you agreed with us". We never did. So, finally the second adjuster came in and they could not come to the agreement with our contractor.

So, now the company is sending a roofing engineer - to make sure that we need a roof replaced or not.

We have been singled out in the whole neighborhood - not even the street. Why my neighbors did not need to go through this? Why me? Simple answer - Travelers Insurance.Desired Settlement: The Full Roof and Siding Replacements. Same as my twin home neighbor.

Business

Response:

A response was sent to Ms. [redacted], October 21, 2013 from Travelers [redacted] Claim Service Center:

The first inspection was August 22, 2013 in response to the filing of the claim for storm related damage on August 8, 2013. The claim professional found evidence of hail damage to soft metal vents on the roof, facia, coping on a parapet wall, gutters and downspouts and an estimate was prepared for those observed damages.

On or about September 9, 2013, customer requested a reinspection of the roof, and after a complete review of the file, Travelers informed the customer we will not reinspect the loss. At the initial inspection, the customer's contractor, claim professional and Travelers roofing consultant were all in agreement with the extend of the hail damage noted in the inspection. The customer's contractor was in agreement of the scope of damage and Travelers estimate for reasonable repairs to the damaged areas.

On October 2, 2013, customer requested reinspection, and a second inspection of the roof with the customer and their contractor present was performed. No evidence of hale or wind related damage to the roof. Travelers approved the use of a certified engineer to inspect the property for hail and wind related damage on October 14, 2013. Travelers is awaiting the results of this inspection by report. Upon receipt of this report a copy will be shared with the customer. Travelers will review the report and make any revisions necessary based on the engineer's findings.

Review: It took Travelers's [redacted] 8 months, exactly 264 days, from the date of water damages to the unit to pay and reimburse me for work that had to be done to repair the damages from a water leak form the unit above in the Condo building. They dragged it on for that long just saying that my reimburseables was to high and ignored my communications for months on end. Yet they didn't show up for a week after the leak to address anything. [redacted] boss [redacted] said it was ok to show up after a week after the leak. I don't agree, the leak happened in the middle of summer, June, and they seem to think it was ok to take a chance with mold even though it starts growing in a couple of days. Someone had to act quickly in order to prevent additional problems and I did. They showed up late and had a problem with a bill that took to get the work done when they didn't show up. Then they finally resolved it with reimbursing me for the bill for $6307 after 264 days. When I asked for the interest for the 264 days they balked at it and told me that I am not owed any interest. I tried to resolve it with the office that dealt with me via [redacted] as well as the head of the group in that region, [redacted] but both said they would not pay me any interest and I should just be happy that I got reimbursed.Desired Settlement: Prolonged reimbursement time frame is the fault of the insurance company for taking too long to indirectly reimburse me, that's their fault and their liability. So [redacted] has to figure out something in order resolve this, the damages of not having that money reimbursed in a timely manner resulted in me not having access to the money in order to accrue interest or just have access to it. I calculated the interest computed at 6% annum per DC [redacted] to the amount of $273.71. I've tried to resolve this based on the statutory lower rate of 6%. But [redacted] think they own nothing. Any rational person would agree if you take 264 days to pay them back, directly or indirectly, they're owed something. It affected my finances by not having the money reimbursed back me to in a reasonably time frame, I outlined the amount I feel I'm owed. I would like to resolve this instead of, again, dragging it on like the reimbursement process.

Business

Response:

A response was sent 4/22/2015 as follows:

"I am responding to your inquiry regarding the above

captioned claim. Please note that as an initial matter that your are not our

customer; rather you are a unit owner in the condominium community where we

insure the Association. Given your

connection to the claim however, we are responding to your concerns.

Review: I had this insurance company for 3.5 year, at which time I filed and insurance claim. The claim took some time, but did get resolved. Approximately 1.5 years after I made this claim, I receive a letter from Travelers telling me that they are going to cancel my insurance due to the claim that I filed. I would like to know how they can justify cancelling my insurance. when I only had 1 claim in 5 years.Desired Settlement: I would like my insurance re-instated.

Business

Response:

A response was sent to Ms. [redacted], October 23, 2014 from Travelers.

"Travelers has

researched your file and we are willing to reconsider coverage for your

business. This will be based on a new

application for insurance and will depend on current underwriting

criteria. Please contact your insurance

agency so that they can help to obtain the appropriate underwriting

information."