The Hartford - Homeowners

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Marilyn of Amherst, NH October 9, 2009

I have home owners insurance with The Hartford. I own a home built in 1836 and it is in good shape. For the 1st time last year I filed a claim for snow damage to a front porch. The Hartford paid the claim for replacement and I was satified with the process. I expected my premium to go up even though I have not filed any recent claims. My bills are paid on time. I did not expect them to tell me that when the policy is due to be renewed they will not renew it because of the age of the home. Many of the homes in our town and state are historic. I would like to know how many historic/antique homeowners The Hartford has turned down for renewal?

Ladislav of Loveland, OH October 6, 2009

Hartford sold me over te phone, a homeowner insurance. No agent was involved and there was no explanation what I had been buying. I must confess I have not read the contract when it arrived. Later on I found that if the damage to home is cased by hail or wind, my deductible jumps from 500 to 3,840. I consider these sales practises unfair and damaging to the image of insurance industry.

My claim on roof damge was treated poorly since I did not renew my insurance with Hartford and potential damage/expenditure of 6,000 was incurred.

Ladislav of Loveland, OH October 2, 2009

Many neigbours in Weber Crossing subdivision had roofs damaged in mid February storm, including mine. They all claimed and received new roofs that were paid for by their insurances. My Hartford adjuster claimed that damage on my roof is minor and does not warranty its replacement.

Donna of Indianapolis, IN June 29, 2009

I missed one payment (which has not been found by the Post Office) and my homeowners policy was cancelled. Right after I received the cancellation letter (without an extension) had hail damage to our roof.

denise of davenport, IA May 5, 2009

My homeowners insurance was 430 on 6-6-06 and they raised it to 570 on 6-6-08, IN july of 08 , I cosigned for my son to get a car. The dealer had sent it to about 20 different banks all at once. Originally Chrysler turned him down but after so many rejections they sold him him the car...( which is in my name now only) So I had alot of inquiries on my credit. I told the dealer to begin with not to send to any , that if Chrysler didnt want to loan him , I would go to my credit union or just pay cash for the car.

So now Hartford checks my credit. Because its close to the 6-6-09 that my homeowners insurance is due and they raised my homeowners insurance from 570 to 1689. per yr. I have always paid my bills on time, never ever missed a payment and even paid off alot of my cards. When I called them, they said the new quote was only because of my credit, saying I was a bad risk and they were sure that if something were to happen to my house, I might not be able to come up with the 500 deductible. I told them I wanted them to run my credit again and they refused.

If Im such a bad risk why didnt they just cancel me....Because they are greedy and just are trying to get as much money as they can....They didnt even send me a letter stating they were raising my rate. I found out by accident after checking with my mortgage company and after seeing they were raising my auto insurance from 388 to 743. My policy was up on 6-6-09 but they have been getting payment every year on 5-8. Im glad I caught it in time or else my house payment would of gone up about 200 a month to cover my escrow.

Ronald of Wayne, WV April 7, 2009

Ronald of Wayne WV (04/07/09)
Date of loss - 6/15/2006 Hail Damage Date inspected - 7/7/2008 - Crawford & Co. Charleston, WV Net Claim - 2,309.80 per estimate. Estimate was less than 1/2 of two other licensed contractors in WV. I submitted several estimates from them, Hartford firm on price, estimator didn't include labor, disposal etc. House needs a new roof, all parties agree. Runyon Construction has G. Michaels atty who was ignored by the company, contractors & atty couldn't afford to spend more time for free, now can't afford an atty or find a contractor. Insurer still firm. I can furnish copies of estimates and offered check(not cashed) from insurer. I do not have the funds and the insurer requests more estimates. I have all info and will be glad to share with anyone that can help.

I need a roof replaced asap before more damage is done. The current price would be more than licensed contractor's estimates due to material cost increase. If I can find a contractor now. I am 64+ and totally disabled, I can't make temp repairs myself nor afford an attorney. Wife is a cancer survivor who has the added worry of total house damage. After a year, I can't settle for what the company wants to pay because of the cost difference.

Kathy of Southport, NC December 9, 2008

Kathy of Southport NC (12/09/08)
Called to complain about a 35 increase in my monthly payment plan for homeowners insurance and was told that the jump was because of the cost to rebuild in my area. I am 65 and live on 638. This increase truly hurts. I can lower my rate, I was told, only if I choose to lose my coverage of personal property. I have only made one claim in 13 yrs with them for partial roof shingles replacement. This doesn't sound like much but 35 means I have no food for a week.

Jacquelyn of Metairie, LA December 4, 2008

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