Travelers Companies, Inc.

Review: On March 4th I consulted with a Roofing company to assess my home for Hail damage from a severe hail storm that hit my area on Sept. 5, 2013. A friend had suggested that my roof be check, due to several homes in the area had hail damage. I submitted a claim by phone with my roofer after he had assessed by roof and did identify damage from hail. I recieved an email on3/6acknowledgement of my claim and the local agent who would be handling my claim that would contact me. I was contacted and an appointment was schedule for the following week on 3/14 @ 11:00. The appointed date and time arrive, I had my roofer scheduled to be at my home at the same time. Roofer arrived just before 11:00, the adjuster was late. At 11:10, my roofer needed to go down the street to another job site and would be right back, I would call him when the adjuster arrived. The Adjuster arrived 25 minutes late, introduced himself and rudely asked where my roofer was. I called my roofer and he was headed back from down the street. The adjuster was very rude and condensending, questioning me as if the roofer had come knocking on my door and implied he was a scammer. I assured him that I had called him as a referal from a friend. The Adjuster and my roofer went up on the roof to assess the damage. Roofer pointed out the hail damage.

The Adjuster informed me that he was not a roofing expert and that he would submit information, and would have to have a roof inspection come look at it. On March 20th I received an email that an inspection would be done by the Insurance companies roofing consultant. He would review the damage and submit his report for their review.

On Monday March 24th I recieved a message at work at 1:38 PM that my roof was to be inspected at 2:30 PM.

I had requested with the adjuster that myself and my roofer be present for the inspection, and there was not sufficient time for me to get my roofer there with 40 minute notice.

I left work promptly to get home by 2:30, tried contacting my roofer to meet me there. The roofing consultant did not show up at the scheduled time.

Called the adjuster to find out where the roofing consultant was, finally the consultant contacted me and did not make it to my house until 5:30.

On April 4th I recieved an email that the adjuster was waiting for the report on the back on my roof to review.

By the following week, I had not heard anything. I went to [redacted] rep. to discuss my dissatisfaction with the length of time that it was taking to process the information.

On April 14th I was emailed the report from the Roofing consultant and that my claim was denied.

First, the length of time to assess and get information back to me = 6 weeks

The adjuster was rude, and most of the contact was on a weekly basis, by email.

I have had very little experience with processing claims with insurance, I realize now that I believe I was railroaded and taken advantage by my insurance company.

Weekly my dissatisfaction with this out come has become a very sore point with me, as I drive home each day another house in my neighbor hood has a new roof being put on.

EVERY HOUSE IN MY NEIGHBORHOOD, has had a new roof due to the same hail damage my home recieved. Just today my neighbor right beside me is getting his roof replaced from hail damage, insurance covered.

I find it hard to believe that my home alone in this subdivision is the only house not to sustain any damage.

I feel due to my inexperience on how to deal with insurance companies, the fact that I am a woman, that I was too trusting that My insurance company would actually be honest, I was railroaded.

There are documented pictures of the hail storm damage and hail size that hit the area. I'm sure there is information for my area on how many houses had the roofs replaced due to the damage.

I had an another roofer replace broken vents on my roof and replace missing tiles, and he could not believe the damage on my roof was not covered by the insurance company.

No one, repairs a portion of the roof as the insurance suggested, it doesnt match the rest of the roof and can devalue the home.

I need to know should I get a lawyer to settle my complaint to get my roof replacedDesired Settlement: I want the roof replaced as requested in my original claim due to the hail damage. It is not acceptable to repair a section of my roof, with a different color roof, which can make the property value of my home less.

I don't accept that my home in the entire subdivision is the only home not to have damage to the roof. Everyone I have talked to ; their insurance responded within two weeks and replaced their roof.

Business

Response:

A response was sent to Ms. [redacted] on October 29, 2014 from Travelers.

The response recapped the dates of inspections and reinspections of the roof for hail damage. The outcome is there is not significant hail damage to replace the roof, and that repair estimates are below the $1,000 deductible. The roof did suffer some minimal hail damage that can be repaired iwthout devaluing her home. Travelers decision is based on the extent of the damage that was done by a covered cause of loss, and not the age of the roof or on fact that neighbors may be getting their roofs replaced.

Consumer

Response:

Review: [redacted]

I am rejecting this response because: Received packet with response letter from [redacted] office dated 10/2/2014, in the letter on page 2: "History Report which reveals that on September 5th, 2013 at your residence location that you did have some wind gusts but the report does not identify any sizeable hail hits." I am attaching pictures from my neighborhood and from the [redacted] newspaper archives from my neighborhood on the hail storm.

My argument is how can houses in my same neighborhood, and right next door to me suffer hail damage significant enough to replace their roofs and mine did not. There are 2 other houses covered by Travelers in same neighborhood, that their roofs were repaired?

Review: I HAD A TRAVELERS POLICY FOR ONE MONTH AND WHEN I REALIZED THAT THEY WERE NOT HONORING THEIR WORD AND THE PRICE I WAS QUOTED I CALLED IN AND CANCELED THE POLICY AND I THAT MY MONEY BE REFUND TO MY CARD FOR THE MONTH I PAID IN ADVANCE. I WAS TOLD THE POLICY WAS CANCELED AND I RECEIVED A REFUND TO MY CARD. TURNS OUT THEY LIED AND DID NOT CANCEL THE POLICY AND NOW ALMOST A YEAR LATER I AM RECEIVING A BILL FOR A SERVICE I CANCELED AND I AM VERY UPSET AND DO NOT OWE THIS MONEY. THEY ALSO CHARGED ME FOR A POLICY I NEVER AUTHORIZED ONLY ASK FOR A QUOTE ON FOR ANOTHER PROPERTY I OWN. THEIR PRACTICES AND ILLEGAL AND THEY CAN'T AUTOMATICALLY CHARGE FOR A POLICY YOU ONLY ASKED FOR A QUOTE ON AND NEVER ESTABLISHED OR OKAYED SERVICE FOR.

Product_Or_Service: INSURANCE

Account_Number: [redacted] AND THEDesired Settlement: DesiredSettlementID: Other (requires explanation)

I WOULD LIKE THIS BILL RESOLVED AND CANCELED I DID NOT AUTHORIZE IT AND I AM NOT RESPONSIBLE FOR IT OR THEIR EMPLOYEES ILLEGAL PRACTICES. I CANCELED THE POLICY I DID HAVE AND GOT REFUNDED AND DID NOT AUTHORIZE ANY OTHER POLICIES. I DO NOT OWE THIS COMPANY ANYTHING!

Business

Response:

A response was sent to [redacted] on 5/4/2015 as follows:

"Thank

you for your recent inquiry through the Revdex.com. We appreciate the opportunity to address your

concerns.

Review: We (my wife and I) recieved a bill in April for our renters insurance which was more than double the initial bill. After reviewing the bill bill the we called Travelers to enquire they said that we missed a payment. and a late fee was assessed. I asked what the $5.00 service charge was for and she said that it was for sending out monthly bills. I explained that I did not recieve the bill she claimed that they sent but, after a heated conversation we asked to be transferred to a supervisor. The supervisors name was [redacted] of [redacted] in [redacted]. After a long conversation we decided that we would cancel our service and that we deserved customer service without the negativity and the derogatory comments from the agent, We asked fer to give us a date that we were paid through so that we woud have a zero balance and that we woud cancel on that date. She told us that that date was 5/19/15.

Today upon calling back to confirm the cancellation date the Agent [redacted] explained to me that the policy would generate another billing cycle and we would get an additional bill and that the actual date was in the beginning of April. There are two major problems one being that we were not covered as they claimed we were. If there would have been a claim they would not have paid it. Secondly, the agent and Supervisor gave us some false information and as a result we are occurring additional fees. Although these are small amounts its about the principle and it undermines the entire priciple of insurance. Insurance should be there when you need them as per contract.Desired Settlement: We would like a billing adjustment and a statement of these practices to be mailed and/or emailed to all policyholders to inform the public of what they should be expecting and/or how the company has made some procedural changes to prevent this from happening to anyone else.

Business

Response:

A response was sent from Travelers 5/27/2015.The response outlined the payments made, and billed, and the outcome was the $10.00 late charge has been waived, which reduced the amount now due.

Consumer

Response:

Review: [redacted]

I am rejecting this response because: The offer reduces late charge for which the company was responsible for but it does not address the misinformation given to us by the customer service representatives which put us in a situation where we were not insured and cost us additional premiums. It also does not change the problem of misinformation to the public.

Review: Travelers Insurance Company is refusing to cover the repair cost to the top of my 2000 Volvo C70 convertible which was damaged in an accident that my husband had on May 17, 2015. Travelers covered all the other damages identified by its appraiser. But unfortunately its appraiser not only never started the car when doing his inspections, but he also neglected to examine and/or operate the top, even though its operation involves several areas of the car that were damaged in the accident impact. The top has worked flawlessly for 15 years, was working fine the day before the accident, and stopped working immediately after the accident. Volvo of [redacted], CT stated on its repair invoice (this is a direct quote) that "Accident impact could/may (have) caused issue...." So, even though Travelers covered the repair cost to our 15-year-old convertible, they are now telling us that they will not cover the supplemental repairs to the damaged top because of the "age of the vehicle" and "lack of positive proof." And even though the Travelers appraiser neglected to check the top operation, he and his superior are denying our claim on the grounds that the malfunction was "coincidental."Desired Settlement: That Travelers pay for the repairs to the top of my 2000 Volvo C70 convertible, which was working flawlessly the day before my husband's accident and stopped working immediately after the accident.

Business

Response:

Prior to receiving the Revdex.com complaint, Travelers received this directly from [redacted].Travelers position remains unchanged since the 9/16/2015 response to Mr.[redacted], therefore another response is not going to be sent.

Review: I applied for auto and homeowners insurance through Travelers Insurance Company and the policy was effective in October of 2015. They sent an inspector to the house and sent a notice that they were going to cancel our insurance if the following items were not responded to: 1.) debris around the house, 2.) complete a farm questionnaire, 3.) peeling of the stain on the siding of the house and 4.) answer questions about how many dogs, etc. I called Travelers as soon as I received the notice and asked what the debris was and they indicated that there was a beam on the ground on the back side of the house that was a trip hazard and needed to be replaced. I told them that we have a claim into the siding company about the peeling on the siding ,which today I received notification that they would replace the siding free of charge and at the time they said that was ok, I completed the farm questionnaire and answered questions about the dogs. We removed the beam that my husband uses in his construction business and moved it per their request. I contacted them to let them know that we had done this and to see if that was it. A different person said that the debris was not the beam but a ladder on the side of the shed which needed to be removed. So we removed that and contacted them after we had taken pictures to show them it had been removed. At that time they indicated that there were issues with our shingles and they would cancel us because of the shingles, which wasn't even one of the items that was on the original list. The shingles are 25 year shingles and we have since gone with another insurance company and they agree that the shingles do not need to be replaced because there is no significant wear. I talked to a supervisor at Travelers because I was very upset that the shingles were an issue for cancellation now and after not having it in the letter and not being told after the first few phone calls how could they now cancel me because of yet another issue. The supervisor talked to an underwriter and got approval to rescind the cancellation because he agreed that they hadn't initially indicated that as a reason in their first letter so we had until October of 2016 to either replace the shingles or get an inspector to climb up on the roof and certify that the shingles were fine. That was December 3rd and I have an email that says that from the company. I contacted Travelers on December 7th to be pro-active to find out where they were finding the issues with the shingles on the roof. The service provider had to contact the underwriter and that was December 7th. They couldn't specify. Today I received a cancellation notice effective December 22nd unless we replace the shingles or we get the inspector out. I have moved my insurance today from Travelers because I am so upset at their service. They kept changing their story and couldn't keep their story straight. If a client calls them to request what needs to be completed in order to continue their insurance, they should be able to tell them directly and not continue to change their story. I contacted them no less than 15 times within the past 2 weeks. That can be documented by looking at their records and I have the letter from the company saying they would not cancel me and 4 days later another letter saying that they were going to cancel me.Desired Settlement: That they be reported by Revdex.com for negligence in their actions.

Business

Response:

A response was sent 12/23/2015:

Travelers completed an extensive review of the homeowner's policy and apologized for the service provided. Regrettably, the notice she received dated 12/7/15 was mailed despite approval for reinstatement of the policy during a telephone conversation on 12/3/15. We have shared her experience with the appropriate areas.

Review: I'm writing about how my Homeowner policy with Travelers treat their policy holder...My home at [redacted] is deemed uninhabitable. I have had Jessica from [redacted] and [redacted] from [redacted] come to the house, taken pictures and sent them to Tim [redacted] my travelers agent and have gotten nowhere with him!!! I'm entitled to (ALE) additional living expense (temporary housing) and have gotten nowhere and when someone will start working on my house. I need help with this and no one has come forward with information about this.They are treating me, their customer like I'm no one.. I have even had to sleep in my car and its been real cold!! I want to complain that Travelers isn't doing what they are suppose to. Please call me at ###-###-#### Unfair treatment with Homeowner policyDesired Settlement: approve living arrangement and start with repairs to the home

Business

Response:

A response was sent 1/4/2016 to [redacted] as follows:

"You have requested payment for Additional Living Expenses (temporary housing) while your residence is deemed uninhabitable by mold growth. Our investigation has determined the cause of the mold growth is water leaking from your hot water heater, for a period of 2 to 3 months. As discussed via telephone, email & regular mail on 12/29/2015, since the constant or repeated seepage or leakage of water, or the presence of condensation of humidity that occurs over a period of 14 days or more is not a peril Insured against, your policy does not provide coverage.

I called to obtain a quote for just MYSELF driving MY CAR, and was advised unless I do not provide them with everyone's names and birth dates who are living in my house, even if they are not allowed to drive my car, they will not give me a quote. Talk about a Major Invasion of Privacy!!! If someone is not going to drive my car, it is absolutely NONE OF THEIR BUSINESS, as to not only their names but their DATES OF BIRTH??? This is how Identity Theft Occurs!!

Review: I am a diplomat. I asked auto insurance quote via internet on June 28 by filling forms. Several insurance companies responded. Among them I chosed Travelers, its quote was relatively lower, The Travelers charged me $551 on June 28, My six month policy started on July 6. The company sent me a letter on July 26, asking for my car's garaging address and vehicle registration, I faxed them the needed information. On Aug.8, the company sent me another mail asking for my driver license information. I faxed my driver license copy to the company. On Aug.23, the company mailed me a letter, kept asking my driver license information, claiming my previous fax was not clear. I faxed another copy and sent the company one copy by mail just in case the fax was not clear again. On Sep.10, Travelers mailed me a letter, declared the change of my policy which is effective July 6,2013, asked me to pay $566 more for the remainder of the policy period. I called Travelers ask for explanation, one representative [redacted] told me that my driver license is issued by [redacted], not by ** DMV, so Travelers takes my driver license as internatioal driver license and decides to raise my rate.I said it's unfair and decided to complain. [redacted] said her boss was not available at that moment and promised to ask her boss call me back. The next day a lady called [redacted] contacted me, I told her It's unfair to charge me from the beginning. She said I did not identify myself as a diplomat. I told her there is no such choice in webform. If the company has different opinion about my driver license, it can cancel my policy if I don't agree rate rise. She politely asked me gave her one more day to handle my complain. The next day, I called her ask for the result, she told me she had consulted the company's legal department and there's nothing she can do.It seems to me that the whole thing is a big con. Travelers entraped by lower quote, and rip me off at half period by random excuses. It's business practice is different with other

Account_Number: policy number:[redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

Fair practice. It is Travelers's responsiblity to identify my driver license as soon as possible. A diplomat driver license is issued by [redacted], it is legal and effective. All diplomat's driving records can be checked via [redacted]. Some insurance company does not know that, under such circumstance, the company inform its diplomat insurer the rise of rate, if the insure does not agree, the company will usuall cancel his policy and

Business

Response:

A response was sent to Mr. [redacted] on October 11, 2013 from Travelers [redacted] Business Center:

"We regret your onboarding experience and are sorry we didn’t

have the chance to build a long term relationship with both you and your

wife. In my review of your concerns, I concluded that the question posed

to you on our website about your license status did not provide you clear

direction as it relates to your diplomat status. With that said I have

amended your policy back to the original premium and re-cancelled it effective

September 25, 2013. You will receive paperwork by mail in the next week

showing the change. In addition, any additional refund on the policy will

be mailed under separate cover in the next week to 10 days."

Review: I contacted travelers insurance in March 2013 to inquire about auto insurance for my son's car. After travelers informed that that the total for my car and my son's car would cost $769 for the month, I told them that I could not afford it. They referred me to another agent who never returned my calls. In April 2013, I ended up contacting Mercury insurance who currently insures the car since I did not hear from travelers. Travelers now wants me to pay $407.17 for auto insurance coverage for my son's Hunday saying that they covered the car for the month of March. First of all, I did not have the car in my possession until april, the march phone call was to get a quote because the car was still in Virginia. I never agreed to get auto insurance from travelers for $407.17 a month. There was no contract. In addition to that, travelers is claiming they covered the car but I never received any insurance card or coverage details from Travelers. This is simply a fraud that is being perpetuated by travelers insurance company. My son's car has always been and still is covered by Mercury insurance. Travelers insurance went further and sent me to a collection agency named CCS USA with claim number XXXXXXXXXXX. I did not obtain and did not receive auto insurance for my son's car for travelers and they cannot prove otherwise. If someone on travelers side decided to take it upon themselves and add my son's car without my knowledge and of course did not even bother to send me proof of insurance, it is up to travelers to investigate this issue and punish those involved.

Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like for travelers insurance to remove my name from this collection company because I did not have a contract with them for my son's car. Someone screwed up on their end and I am asking headquarters to investigate this issue and take care of it as soon as possible. If this charge ends up on my credit report, I will have to take further actions to have travelers remove it.

Business

Response:

Business Response /* (1000, 5, 2013/07/16) */

A response was sent 7/16/2013 to Ms. [redacted] from Travelers Glens Falls Business Center. Upon review of Ms. [redacted]'s former policy and related billing, Travelers is going to stop collections as she requested. Based upon her son maintaining a separate policy on his Hyundai with Mercury insurance, we are waiving the outstanding balance of $407.17.

Review: Travelers has failed to refund homeowners insurance premium following cancellation of the policy. Three attempts have been made to resolve the matter after the initial notification of the policy cancellation 7-Feb-2013. The issue arose after my mortgage company mistakenly paid the previous insurance premium instead of the new policy premium. An important note, I called Travelers to cancel the policy a full month before the next periods premium was due. So the policy should have already been cancelled by the time they received the mistaken payment and refunded the money at that time. The first two times I phoned the company and the service representative seemed competent and helpful, found the policy and the cancellation request and assured me the issue was resolved and a refund check would arrive in the mail. A couple of months passed between attempts to resolve the matter with no success. Now after 8 months I attempted again, phoned the company and talked to a very competent sounding representative who acknowledged the initial cancellation request but had no record of the subsequent attempts to resolve the matter. The representative was apologetic and helpful but stated that I would have to submit documentation that I had acquired alternative insurance on the date I claimed the cancelation. I provided this and a signed request for the cancellation via email directly to the representative as requested. The representative said I would receive an email acknowledging receipt of the documents and indication of any other actions required. A week passed with no response, so I sent an email requesting status. Another week passed with no response, so I sent anther email requesting status copying the supervisor via an email address included in the email correspondence; Still no response. The dollar amount of the policy refund is significant enough to warrant legal action if ultimately necessary. This appears to be a deliberate stalling attempt to see if I will give up.Desired Settlement: Refund the full policy premium plus interest.

Business

Response:

A response was emailed to Mr. [redacted] on October 18, 2013 from Travelers [redacted] Business Center:

" First,

please accept my apologies for your overall service experience with Travelers

Insurance. We pride ourselves on delivering the best customer experience

and sincerely regret not meeting those expectations for you. I want to

assist you in getting your policy cancelled and your refund check out to you as

quickly as possible. Please sign the attached cancellation notice and please

email or fax it back to me 877-[redacted] and I will have your refund check

expedited.

We are sorry to have lost your business at

Travelers."

Review: I have been with travelers Insurance Company for couple years , It was very good company and I like their service , we had one claim on 2013 and covers with good care ..but there was second call for under Kitchen sink leakage and master bedroom shower which I have done repair with my won expense .....and inform my insurance a bout it ..then they send adjuster and counted as a claim against me ( miss understood each other ) ..and denied in that time .....On Nov 11,2013 they ask for some picture for that repair and canceled my home policy for delayed that pictures .My local agent was call me a bout pictures and repair . was Email to him and he forward to main office ( Travelers insurance in [redacted] ) ...Now they send cancellation note on epiration date which is Dec. 31, 2013 in next two days ..I hope they will understand my situation and I am apologize for this miss understood . please Renewal My policy and continue for 2014 ..I am looking forward from you ( Revdex.com ) to resolve this issue Thanks You Very Much [redacted]Desired Settlement: please explain to travelers to Renewal My policy and continue for 2014 ..I am looking forward from you ( Revdex.com ) to resolve this issue

Business

Response:

A response was sent to [redacted] on January 6, 2014 from Travlelers [redacted] Business Center as follows:

"Thank you for your recent

inquiry to Travelers through the Revdex.com. I appreciate

having the opportunity to address your inquiry in this email.

Review: I have been trying to cancel my home and car insurance policies for 3 weeks. They have requested email paper and even fax requests from me, I have complied with everything they have been asking for. They took money out of my escrow account and continue to bill me for my car insurance. I am owed a 300 refund of which I still haven't seen anything nor have I seen any emails stating they have cancelled as per my numerous requests.Desired Settlement: I want my policies cancelled and my refund so I can put it back into my escrow, I am now paying two insurance companies and I have never even had a claim. This company is bullying customers into staying with them and they have hiked up my premiums to almost double what is was.

Business

Response:

A response was sent to Ms Clingan on March 18, 2014, from Travelers Glens Falls Business Center as follows:

"Thank you for your recent inquiry to Travelers through the

Revdex.com. We appreciate

you taking time to share your concerns and I am writing today to follow up.

Review: I obtained renters insurance through Travelers Insurance Company on October,2013. I had the understanding that payments would be deducted from my checking account monthly in the amount of $ 16.00. On May 17,2014 I received a collections notice from Credit Collections Services in the amount of $39.30. I paid the balance over the phone immediately. I called Travelers Insurance Company to inquire about the collections activity. I was told by a representative that I had insufficient funds and I was sent to collections for non payment,and my policy had been cancelled February 25, 2014. I never received one statement from this company in regards to insufficient funds or a delinquent account.I never received a phone call to obtain the balance owed.I am highly upset because the collections activity has been reported on my credit report. Travelers Insurance Company failed to notify me of a balance owed. I received the collections letter at my mothers address and not my physical address, so I am very confused.I never had any account go to collections. If I would have known that there was a balance owed I would have been more than willing to pay. I tried to call Travelers Insurance recently to make sure my account was closed but I was just left on hold for 20 minutes with out a response.Travelers Insurance Company should have notified myself by phone call or mail before any negative reporting was made to the credit agencies.Desired Settlement: I want a letter that states my policy is canceled with Travelers Insurance Company and any derogatory information removed from all three credit bureaus.

Business

Response:

A response was sent to Ms Ragland on 6/4/2014 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 inquiry.

Review: A down payment was made on a MAIP policy # [redacted] 1 with [redacted] Insurance Company in Massachusetts The policy # was changed and the downpayment was misapplied and despite follow up from [redacted] Insurance group the mistake was not corrected. Policy was cancelled for non-payment on January 5, 2014 however insured [redacted] was never notified and presented evidence of payments made including a December Payment of $120 and February Payment of $256 in addition to the $350 that was nbot applied. After I have followed up with Travelers and [redacted] they admitted that they made a mistake and missaplied the money given for the down payment they sent a refund check #[redacted] to [redacted] for the $350 in July which is 9 months later. We have evidence of the payments made and did not return the vehicle plate into MASS RMV until January 10 2014 at which time there was an accident and to our knowledge the vehicle was insured at the time. [redacted] is saying the policy cancelled January 5 2014 for non-payment and now 7 months after is sending us a refund for billing money that they made a mistake on the policy should not have been cancelled. Myself [redacted]) and my mother [redacted] are now being sued for the damages in the amount of $3000 because Travelers and [redacted] Insurance company made a mistake on the billing. We refuse to cash the $350 check that was supposed to be put towards our policy and never was. We want the truck insurance reinstated to reflect what coverage we had and was paid for and for the insurance company to cover that damages we are being sued for.Desired Settlement: Provide insurance coverage to vehicle on policy # [redacted] and keep coverage up until Licence Plate was returned to MASS RMV on January 10, 2014 because [redacted] and Travelers Insurance Company made a billing error and took the $350 paid in October and never applied it to the correct policy. Payment was also made in December and policy should not have been cancelled.

Business

Response:

A response was sent to [redacted] on August 4, 2014 from Travelers Glens Falls Business Center as follows:

A review of our records found that your policy was originally issued under an installment agreemnt that required a 25% down payment at application followed by 9 equal installments to pay the term in full. Based upon the issue premium of $1314, this would equate to a down payment of $335.25 and 9 installments of approximately $111.75.

Your actual down payment was $350, which is more than required. This payment would have reduced the first of the 9 installments by approxmately $14.75.

As you are aware, and we acknowledge, the initial down payment of $350 was not credited to your account initially. The initial bill that was sent to you on 11/11/13 (due 12/2/13), therefore, reflected a higher minimum due ($559) than was actually required. A payment was still required to bring your account current. No payment was received by 12/2/13, so your policy became subject to cancellation for nonpayment. A notice was mailed for the past due balance by 1/5/14.

The payment of $120 on 12/19/13, was insufficient to meet the required minimum, even after factoring in the $350 down payment. We regret Travelers is unable to reinstate your policy.

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

Review: My daughter settled a workers compensation case with Travelers Ins. Part of the agreement was Travelers was to pay all of her medical bills accrued prior to the settlement. Travelers has failed to honor that agreement,resulting in my daughter receiving collection threats.Regardless of Travlers claims the medical bills have nothing to do withher illness, it is untrue. This has been going on for almost a year anda half.Part of her agreement was Travelers was to pay for gastroparesis, whichcame as part of her injury. All of the unpaid bills are for hospitalization dealing not with her original injury of rsd, but for gastroparesis, and they have dishonored their agreement.Desired Settlement: Travlers must pay all of [redacted]'s unpaid medical bills presently outstanding from her illness. That means only the unpaid bills accruedprior to the settlement.We will not then ask for treble damages. Otherwise, we will proceed fortreble damages and penalties

Business

Response:

Travelers requires additional information in order to refer this complaint to the proper Claims Office to respond....Please provide [redacted]'s last name, Claim #, Date of Loss and/or employer's name.Thank you.

Business

Response:

A response was sent to Mr. [redacted] from Travelers on 12/15/2014 as follows:I am writing to you on behalf of the Workers' Compensation Department at Travelers Property Causualty Insurance Company, in response to your complaint regarding this claim for [redacted]. You have alleged that we owe for her hospital bills related to "gastroparesis caused by RSD."

Ms. [redacted] had gone to the hospital several times for sore throat and gastro-intestinal issues during this claim, which we maintain had nothing to do with her industrial injury. We never agreed to pay these bills. The providers have submitted these bills to Travelers at the instruction of Ms. [redacted]'s attorney, and these bills will continue to be denied. The medical records from these visits do not attribute her condition to her work-related injury.

Also, review of her medical records from prior to this injury show she visited the hospital for these same complaints in 2007 and 2008. The date of her industrial injury was 12/09/2009.

There are no medical records that actually diagnose her as having gastroparesis, much less that it was caused by the industrial injury. This was alleged by her attorney. The medical records for these visits do not diagnose her with gastroparesis, nor do they establish any causation as being due to the industrial injury.

You have made reference to an agreement to pay all of her medical bills, but there is no such agreement. Travelers is only responsible for paying for any bills related to the industrial injury.

There is no language in the settlement documents agreeing to pay these bills, which were for nonindustrial treatment. At the time of settlement, Ms. [redacted]'s attorney asked to put specific language in the settlement documents that Travelers would agree to pay these bills, and we refused. Ms. [redacted] decided to settle her claim anyway, without this language.

Consumer

Response:

Review: [redacted]

I am rejecting this response because: They are wrong. Page 3 of the settlement includes gastroparesis. They have denied the bills purported billed as sore throat, but in reality are also part of the claim as the sore throat arose from constant vomiting. She was hospitalized for several days for severe vomiting just days after that.Also, during the day of the settlement, their attorney agreed to pay all bills. Their statement in their letter stating they rejected it, we have nothing in writing in the contract that substantiates that. We reject their claims

Sincerely,

Business

Response:

A response was sent on 12/26/2014....The claimed injury of gastroparesis was included in the settlement as this is where all of the alleged body parts are listed. This is not an admission of liability or acceptance that this alleged

injury is related to the industrial injury.

In addition, nowhere in the medical records from these hospital visits do they diagnose Ms. [redacted] with

gastroparesis.

This will be the final response to this issue.

Review: January 2015. Traveller's Insurance Company a.k.a. The [redacted] claim #[redacted]. I, the policyholder, entered a repair claim with my vehicle comprehensive insurance policy through with Traveller's Insurance Company ("TIC"). TIC sent their company adjuster to the [redacted] Ctr where vehicle was being repaired to inspect vehicle/claim. TIC adjuster completed inspection and agreed that damage was verified and specifically stated to the service center manager and me that damage was indeed covered by comprehensive insurance policy. TIC adjuster said to me that she would issue a payment via check to [redacted] Svc Ctr. Then, the next day, TIC agent [redacted] phoned me. I returned his call several times before being able to speak with him. To sum up the conversation, this agent stated that although their adjuster agreed that claim was valid that the company was now denying it due to a small clause that does not cover "wear and tear." Now, the repair involves wiring underneath the hood that was corroded due to water damage. Water damage is stated in policy as a issue that is definitely and viably covered. Water caused damage and corroded the underhood wiring around vehicle engine. I reiterated this point to TIC agent [redacted] stating that their adjuster viewed, in person, the visible damage and concluded that it was indeed covered. TIC agent [redacted], smugly, kept stating that the company now changed their position as they "believed" damage to wires as "wear and tear." Now, logically, wear and tear is what can be applied to vehicle parts that are touched/used such as doorknobs or lightswitches. These are objects that are consistently moved and being touched. Wiring under the engine hood never gets "worn" from being consistently touched or moved because it is never touched. And, it was water that specifically corroded the wires. When I explained this to TIC agent [redacted], he had no response other than the company had made its decision. I told him that I did not agree with it or accept this newly changed decision and asked how we could work to resolve this issue. He confidently said that I could that there was nothing else to discuss and that I could "file a complaint with my state's insurance commission."

Business

Response:

A response was sent 3/11/2015 as follows:

The claim

in question was called in on January 26, 2015, at 3:17pm. On January 27, 2015, at 12:20pm the assigned licensed

Claim Professional, who is also the appraiser, left a voicemail for our Insured

in an attempt to make initial contact.

Immediately following she contacted the shop and left a voicemail

regarding inspecting the vehicle.

On

January 27, 2015, the initial Claim Professional received a call back from the

shop during which she was advised that the individual assigned to work on the

vehicle was not available and the shop requested that we inspect the vehicle

the following day.

On

January 28, 2015, the Claim Professional made another attempt to contact our

Insured in order to secure initial contact.

Within a few hours the Insured returned her call and initial contact was

established.

The

vehicle inspection also took place on January 28, 2015. At the time of the inspection the Claim

Professional reviewed the damages and determined that they were related to wear

and tear and not a covered loss. The

Claim Professional discussed this information with both Josh, the shop tech,

and JJ, the Service Manager. The Claim

Professional also called and left our Insured a voicemail advising her that it

was not a covered loss.

The

claim was then transferred to a new Claim Professional to complete the denial

on the claim. On January 29, 2015, at

4:58pm the new licensed Claim Professional attempted to contact our Insured to

review the claim and left a voicemail for a return call.

The

following day, January 30, 2015, our Insured contacted the original Claim Professional

at approximately 11:00am, and the original Claim Professional discussed with her

that the wear and tear was not a covered loss.

She also advised her that the claim had been reassigned to a new Claim

Professional. At 2:00pm that same day our

Insured contacted the new Claim Professional to discuss why the claim would not

be covered. The new Claim Professional

advised her that he would rereview the claim and discuss with management to

confirm the findings of the original Claim Professional.

The

same day the Claim Professional reviewed the claim with management and we determined

that the original Claim Professional’s coverage determination was

accurate. The damage in question is

corrosion to the wiring harness. There

is no indication nor was it reported that the vehicle was involved in a flood

or any other water damage that would have corroded the wiring harness. The wiring harness and harness box are

located high on the fire wall inside the engine compartment and would protect

the vehicle from any normal exposure to water.

As a result the corrosion was determined to be the result of wear and

tear which is part of normal maintenance of a vehicle and not covered under the

automobile policy as a collision or comprehensive loss.

The

Claim Professional reached back out to our Insured at 3:00pm that same day to

advise her of our findings and the final determination on the claim. At that time the Claim Professional advised her

that a denial letter would be sent confirming the conversation. The letter was entered into the system that

same day and mailed the following day to the Insured’s policy address.

We

understand the denial of coverage can be construed as poor customer service,

however, at no time was the Claim Professional rude. When asked by our Insured what options she

had to dispute the denial and whether she should reach out to the RevDex.com, he advised her that reaching out to the Revdex.com

or the Department of Insurance is certainly within her rights. We always want our customers to be aware of what

options they have when they feel they need another entity to review their

claim.

Consumer

Response:

Review: [redacted]

I am rejecting this response because: This insurance co is fabricating events. Travellers Insurance says that their adjuster denied claim from the beginning. Actally, the adjuster DID approve it explicitly stating that damage was caused from water. Not only did she approve it but discussed with me and with **, the licensed [redacted] Dealer's repair service center manager, exactly where and when the reimbursement check from Travellers Insurance would be sent. ** at [redacted] Dealer can verify this.

Review: I have a roof leak and interior damage that the company refuses to pay for. The roof leak is due to hail damage. The company initially stated that there is hail damage and that it happened before my policy began with them, which is when I purchased the home in 2010. After a second inspection of the entire home and the detached garage, which was built in late 2010, it was discovered that the garage has hail damage as well. Even though we proved that my home had hail damage after my policy began with Travelers, they still refuse to pay my claim.

Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want Travelers to pay my claim so that I can repair my home.

Business

Response:

Business Response /* (1000, 5, 2013/08/04) */

A response was sent to Mr. [redacted] on July 30, 2013 from Traavelers Overland Park Claim Center. From the response letter..."This letter is to advise you we have completed our investigation in to your claim. We have inspected your home multiple times and determined the hail damage to your roof occurred prior to the policy inceptin date. As such we are unable to consider payment for the hail damage to your roof.

I have enclosed a copy of the estimate we completed for the water damage to your home. However, our investigation revelaed the water damage was not caused by any preexisting damage to your roof. Due to the fact that the hail damage pre-dates your policy and the water damage was less than your deductible we were unable to issue any payment on your claim.

It is not a case that we refuse to pay, it is a matter of the covered portion of your loss being less than your deductible and the roof of your home sustaining damage prior to your policy inception with Travelers. Unfortunately there is no other action

One final point I would like to discuss is the inspection of your garage roof.. In your letter to the Revdex.com you indicate hail damage was found to the roof of your garage. While it is true we inspected the referenced "garage roof" we did not observe hail damage to this structure. Your contractor who was present during Mr. [redacted] inspection agreed there was no hail damage to the garage roof.

We have investigated your claim thoroughly. At this point in time it is clear you do not agree with our findings and based on our investigation it is our belief that the hail damage in question is not covered by your policy."

Review: [redacted] is currently a claims representative with Travelers Insurance that's handling a water damage claim for my home. I haven't had a sink and running water in my kitchen since mid July 2013. She was sent by Travelers insurance to handle my claim. She refuses to pay for the damages done to my home. I have called and left messages for her, I haven't received any telephone calls. She will not release the funds in order for me to get started with the repairs. My son I have had to spend money eating out three meals day. She only return telephone calls when she feel like it. She also recommended a company by the name of [redacted] to remove the kitchen cabinets from my home. I haven't received my funding or my kitchen cabinet back. I have requested several times about funding and to have [redacted] to return my kitchen oak cabinets. [redacted] removed the cabinets without my permission. [redacted] is the individual that removed/disposed of my oak cabinets. [redacted] was an accessary. They never asked me if I wanted the cabinets disposed.

Product_Or_Service: N/A

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I am requesting funding for the repairs, food, pain and suffering associated with stress, in the amount of twenty thousand dollars each and return my kitchen cabinets.

Business

Response:

A response was sent to Mr. [redacted] on September 12, 2013 from Travelers North Carolina Claim Center. The response included a lengthy outline of the timeline on the claim and payment. It is Travelers position that we have handled the claim in a prompt, responsive and fair manner. Payment for the damage has been made and Mr. [redacted] confirmed he has received the payment. His concerns on his kitchen cabinets has been relayed to [redacted]. Travelers cannot dictate how [redacted] responds to Mr. [redacted]'s concerns however, Travelers has made the best possible efforts to try to have them address and resolve the issue. As to the costs of meals, the policy provisions for the cost of additional expenses was explained and Travelers will need to be provided with documentation and receipts to evaluate that aspect of the claim.

With respect to the compensation that Mr. [redacted] is seeking for pain and suffering associated with stress, his policy does not provide for any coverage benefits for such a claim. Travelers regrets that he was not satisfied with handling of the claim, but Travelers believes we have handled his calim fairly to date. Our goal is to work with Mr. [redacted] in order to resolve his claim to his satisfaction within the frame work of his policy. Travelers looks forward to receiving confirmation of the repair completion based on the estimate provided so we may issue payment of the recoverable depreciation.

Review: Travelers agents have never set foot on my property in the 8 years that I have owned my home and they have been my insurance agency. I own an 875 sq ft home and my property value has not gone up as high as they claim. Very little if at all. They have charged me at least $1300.00 a year above what should have been, this causing higher interest on my mortgage and higher monthly payments. I am a first time buyer and was not aware that they could put whatever premiums they saw fit, I regretfully assumed that the mortgage company had requirements and that is what they followed. I am out thousands and would not have caught on had I not received the bill by mistake, that normally my mortgage company would recieve. I know now that I should have paid more attention to the declaration pages sent to me annually, however, they should be ashamed of themselves for taking advantage of people! When calling to talk to anyone they give you the run around and tell you that you should add more to the insurance, like car insurance etc to lower the cost. When in all reality, you just need less coverage to make the premiums lower!And they should actually send an agent out to properly evaluate your home!Desired Settlement: DesiredSettlementID: Refund

I would like to be refunded the difference and yes, a good explanation would be greatly appreciated. When calling to talk to anyone they give you the run around and tell you that you should add more to the insurance, like car insurance etc to lower the cost. When in all reality, you just need less coverage to make the premiums lower!

Business

Response:

A response was sent to M Fechtelkotter on April 17, 2014 from Travelers Knoxville TN Business Center as follows:

"Thank you for your recent

inquiry to Travelers through the Revdex.com. I appreciate

having the opportunity to address your inquiry in this letter.

Review: We were twice denied a claim for our roof that was damaged by a hail storm in our area on 4/12/14. The first time the claims adjuster denied it. The second time Travelers hired a structural engineer to come out & take a look. Travelers felt that would give both parties an unbiased opinion. How could that opinion possibly be unbiased when Travelers paid the guy what I'm sure was a couple thousand dollars to do it? Also, when you read the report the engineer acknowledges evidence of hail on the screens and roof, but on the roof that damage is outside of his "test" areas. How convenient for Travelers that the "test" areas don't include areas where hail impact was observed. Also not sure how the hail damage to the gutters & downspouts was not observed. While I don't go up on my roof I'd be happy to point out the obvious damage to the front gutters & downspouts.As mad & frustrated as I was at the outcome of these "professional" opinions, I tried to accept the fact that after years of paying thousands of dollars to Travelers with the expectation that they would take care of me if the need ever arose, they weren't the company I expected them to be. It is their priorty to pay an outsider thousands of dollars to come up with evidence inconsistant with other insurance companys' findings in this neighborhood & deny a loyal customer. As a result, I dropped Travelers as my insurance carrier on July 10th. In the past month more & more neighbors, including two next door, have been filing claims with their insurances companies (none have Travelers, thank God for them) & have been getting approval to have their roofs replaced. So here I am seeing new roof after new roof go up in my immediate area, & I'm supposed to believe that somehow my roof was not affected by a storm that was significant enough to get new roofs approved for everyone else? I would love to have a truly unbiased person go up on my roof & I'll also point out all of the new roofs that have gone up in my area the past few months.

Product_Or_Service: Insurance protection [redacted]Desired Settlement: DesiredSettlementID: Replacement

New roof, screens, gutters and downspouts paid for by Travelers minus my $1000 deductible. Even though they are no longer my insurance company today I still hold them liable for the damage caused by the storm on 4/12/14.

Business

Response:

A response was sent to [redacted] on September 4, 2014 from Travelers [redacted] Claim Center.

"Your email of August 26,

2014 to the Revdex.com, regarding the hail damage to your roof, has

been forwarded to me for a response. The Travelers [redacted] (“Travelers”) issued a homeowners policy to you insuring your

home located in [redacted]. The policy was in effect on the date of the reported loss. You

have complained that your home’s roof sustained hail damage which you feel

requires a complete roof replacement and the inspection by the engineer was not

unbiased. Travelers has inspected the property as well as hired an engineer to

inspect the property and found no hail damage to the shingles on the roof."

The response letter included a timeline of events regarding the claim and inspection outcomes.

"Travelers understands you would like to have your

roof replaced, but multiple inspections show that the roof is not damaged by

hail. We trust this response will serve as sufficient

explanation of our position regarding your claim. Travelers understands you would like to have your

roof replaced, but multiple inspections show that the roof is not damaged by

hail. We trust this response will serve as sufficient

explanation of our position regarding your claim."