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AARP/Hartford Homeowners Insurance

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Wilma of Demotte, IN July 31, 2009

In November, 2008, I lost a diamond anniversary ring given to me by my husband and appraised for 4,500.00. The ring was lost in a manner which prevented its retrieval and I contact my homeowners carrier, AARP/The Hartford. I filed the claim, spoke to claims adjusters, etc. and furnished all the information requested.

When it came time to settle the claim, The Hartford asked me if I wanted them to use the claim money to have Insurers World make me a similar ring. Having heard about the quality of the jewelry done by this firm, I said "no". The Hartford then paid my claim - just over 60% of its appraised value.

Since the payment, I have repeatedly questioned why my appraisal wasn't good enough for the amount to be paid in full as it had been when another ring was lost several years ago (the previous ring was not as high in value as the anniversary ring and my appraisal value was paid in full by The Hartford).

After not getting an answer from the reps I had previously spoken to, I took my complaint to the Vice President of Claims for the district I live in. After a few "vague" tries at correspondence, he, on behalf of The Hartford, has repeatedly denied the remainder of this claim. I reminded him that previous claims had always been paid in full without incident to no avail. I further asked him why I had to spend money for an appraisal when The Hartford didn't even pay attention to it. My appraisal was a fair one, obtained from a certified gemologist prior to the recent rise of gold but I never got a straight answer for this question.

I am now proceeding up the administrative ladder of The Hartford, AARP, senior citizen groups, insurance commissioners, etc. to try and resolve this matter.

Barry of Las Vegas, NV July 11, 2009

I am an AARP member and took advantage of the Homeowner's and Auto insurance they offer through The Hartford. I have had these policies for seven years. In the last two years I had two attacks of vandalism on my home. Because of these claims The Hartford more than doubled the premium on the Homeowners policy.

Since this policy of increases in not in the insurance contract I filed a complaint with The Hartford and the Nevada State Insurance Commissioner's office. Also at the same time I filed another complaint with the D.O.I. that Hartford had not notified me in a timely fashion as required by state law.

The D.O.I. agreed that Hartford had not followed the law. Then The Hartford sent me a letter claiming there were moving violations on my driving record and they were going to raise my auto insurance premium by a "large amount".

I called them and told them that they were wrong and to please check with Nevada DMV. The said they did check and that is how they came to know of this. This was a lie. I had to personally go to Nevada DMV and get a certified copy of my clear record and send it to the Hartford who then denied receiving it. But after several more calls I got a supervisor who corrected the mistake.

Biil of Virginia Beach, VA April 6, 2009

We had some termites come out of the wall in our home. I opened the wall and found the support beams almost totally eaten away the outer wall of my house in danger of collapse. I shored it up and called my home owners insurance company Auto & Home Insurance AARP. I explained what I had found and that the wall was going to collapse, the person I spoke with was very nice and told me someone in my area would be intouch with in 24 hours.

Ms G called me in about 2 hours I explained what I had found, she put me on hold and came back to say I was not covered because the wall had not collapsed. I said so I have to put my family at risk and let the wall collapse before you would do anything about it. Ms G then informed me tha I had already filed a claim and that they would not cover it after it collapsed. So I stopped the wall from falling and previded someone from getting hurt and reduced the repair costs only to be told because it didn't collapse I'm not covered. I am going to repair the wall and or walls, get someone to treat my house and look for another insurance company. Thanks AARP

Edith of Covington, LA March 29, 2009

I was shocked at the huge increase in my premium, and dismayed at the WASTE of money displayed in the envelope with my policy renewal. I feel that this waste is partially to blame for the increase in premium. (Besides your executives fat bonuses). WHY do you bother putting expensive full color advertising brochures in a bill for a product that the customer has already, and has been for 16 years, puchasing from you? I am sure that a very large percentage of AARP-Hartford clients already purchase both house and auto insurance from you. So why bother advertising a discount for that in the bill? WHAT A WASTE!

The 6 page Handy Reference Guide enclosed each year is also a huge waste unless there have been changes to the terms of the policy. Even so, an attachable page to the previous years' guide would be sufficient. If these items were eliminated or reduced to NEW policyholders, not only would the cost of the materials be greatly reduced, but also the postage, WHICH I END UP PAYING FOR! By the way, regarding another full-color brochure - I have already told many, many friends about this ins. program, and many have purchased policies as a result.

DO NOT WASTE MY MONEY SENDING ME EXPENSIVE BROCHURES TELLING ME TO DO THIS!!!!! ALSO, and I think this is crucial - HARTFORD is such a big Blue State, that I'm sure you are aware of Global Warming issues. SO WHY ARE YOU WASTING PAPER that must ultimately be destroyed?????

HIGHER PREMIUMS DUE TO LACK OF OVERSIGHT OF UNNECESSARY (AND ANNOYING TO CLIENTS, WHICH IS COUNTER-PRODUCTIVE) EXPENSES.

Edith of Covington, LA March 29, 2009

I was shocked at the huge increase in my premium, and dismayed at the WASTE of money displayed in the envelope with my policy renewal. I feel that this waste is partially to blame for the increase in premium. (Besides your executives fat bonuses). WHY do you bother putting expensive full color advertising brochures in a bill for a product that the customer has already, and has been for 16 years, puchasing from you? I am sure that a very large perce4ntage of AARP-Hartford clients already purchase both house and auto insurance from. So why bother advertising a discount for that in the bill? WHAT A WASTE!

The 6 page Handy Reference Guide enclosed each year is also a huge waste unless there have been changes to the terms of the policy. Even so, an attachable page to the previous years' guide would be sufficient. If these items were eliminated or reduced to NEW policyholders, not only would the cost of the materials be greatly reduced, but also the postage, WHICH I END UP PAYING FOR!

HIGHER PREMIUMS DUE TO LACK OF OVERSIGHT OF UNNECESSARY (AND ANNOYING TO CLIENTS, WHICH IS COUNTER-PRODUCTIVE) EXPENSIVES.

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