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AARP Homeowners Insurance

AARP Insurance • • Auto • Homeowners • Life

Roger of Perris CA (8/31/02):
I contacted the Hartford via letter, asking that they reduce my structures valuation as it was too high. No response. I called the customer service dept. in San Diego. They reviewed my concern. I got no definitive intentions from Hartford.

Two weeks later, I got a check for $37. I called to ask what this was for. No one could tell me! Three weeks later I got a bill for $37 with no explanation. I called San Diego again. No one knew why I got this bill. I wrote another letter and filed a complaint with the California Insurance Commission.

I believe that Hartford is charging policy premiums on the highest end of price/sq/ft replacement. We are all paying for replacement at the high end. They are collecting all the premiums at the high end. They are making money on claims that will not be made. I requested an evaluation 3 times. I was told that an evaluation of my property would be done. Now Hartford is changing their minds, based on their "feelings". They have offered NO estimating basis for their evaluation of my structures.

I am paying for insurance that is not reflective of the value of my property. Most people are paying too much and they need to question the value of their structures versus the stated value amount on their policy. I really believe a class action suit is applicable here.

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