AARP/Hartford Homeowners Insurance

Great when you sign up. Rates go up up up once you sign on. One homeowners claim, "Raised my rates $650 a year. Drove one of my leisure cars a little over the limit for leisure," "Raised my car insurance rates $50 a month." I would not recommend to anyone.

We filed a claim with Hartford end of October or first part of November. We had a leak in the roof of our motor home which is also our full time home. We requested it to be repaired. They had Dean ** come out and look at the roof of the motor home. At this time, we told him we have an estimate from a RV repair shop hear in Yuma AZ. He said he would talk to them. We called several days later to see what the status of the claim was. Amanda ** told us that they had sent the check to the repair shop. A couple days later, we received a copy of the estimate of records with the information of whom receive the check and how much the repairs would be. On the paper work it showed that there would be no warranty on where they splice the new roof with the old roof.

We called Amanda to get this cleared up. She told us that Hartford would not warranty it but the shop would. We then talk to the repair shop. He told us that he would not warranty it because he felt it would leak. Again called Amanda to see what protection we would have. She told us if we could file new claim if it leak and they may or may not repair the leak. They final came out on December the 6 and took off the old roof and told us that it would need to dry out. They would come back on Thursday, December 8. No one showed up. They did not come on Friday December 9. They came back out on Sat December 10. Put the new roof on the part of the roof they only could fix which is a 4x8 section of the roof. It then rain on Monday and we had a leak not on the part that the shop would not warranty so we call the repair shop. They came out and look at it and told us two ways to fix the roof was to either replace the whole roof or to total out the motor home.

We called Amanda ** several time the next few days. Left several messages. We also called Dean ** and left message. No one called us back. We on December 15, we talk to Caroline ** who is Amanda supervisor. She told us that it was our problem. Want it fix, pay for it. That they paid for all they would pay for and all we want was a new motor home. All we want is this one fix so it does not leak. We also talk to a Brian **. Explained to him the whole story. He said he would call back. He did call us back and told us that he was told that we told them to send the check to repair shop which we did not tell them to mail it to any one.

Also he said that we told them that we would cover the cost of the rest of the roof. Which is not true either. We live on a fix income and could not cover the cost which we told could be over 5,000.00. They are going to send someone from Hartford to look at roof again on Wednesday, December 21. We want to clear that we did not tell them to send the check to the repair shop. We did not sign anything with Hartford or with the shop to give them authorization to do the repairs.

I filed a claim (**) on 9/1/2011. Fred **, claim specialist, inspected and stated we would get a $15,000 advance payment, which did not come until I contacted the claim department. It was sent with no box number. The claim department received an estimate from Wilferd **. I received the completed estimate from the adjuster who said he finished the claim when it was more than the insurance ($66,000). I have not heard from the insurance company since returning the signed claim form and returned it to the adjuster.

My 84 year old mother had a leak in her bath room. The Hartford Company sent a company in to tear out floor (they gave us no choice on the company). Servpro located in the Smokey Point office in Washington State did not contain area they exposed the house to mold although they are supposed to be a mold remediation company. The Hartford said they did not hire the company and did not send. We had never heard of them prior to this. But we had to sign their papers in order for them to start the job. After their adjuster came out they sent us what they would pay for repairs they charged my mother depreciation when she has 100% replacement value.

They try taking advantage of seniors. If I would not have caught this she would have been shorted a great deal of money. I refused to cash the check as they hurried as sent the check and if we would have cashed it, it would have meant acceptance. Their bill was extremely low. They made a big deal about going through a company named ITEL for the carpet, pad and vinyl. They sent me their bid without the ITEL bid they put pending. I requested that by writing numerous times and they would not send it. He put in writing he would but did not. I finally called the supervisor and he finally sent it and it was dated 8-7-11 and I got it on 9-15-11, they had it when they sent me the bid. How many senior have they done this to? This is really low. I have full power of attorney so fortunately for my mother I am watching over her. This is still pending as we cannot agree on what the job will cost.

My wife and I recently retired and went on a long-planned road trip around the country for three months. On month two, our house was burglarized. The thieves stole our appliances and fixtures. We had put most personal and valuables in storage. My neighbor goes through the house and cares for it when we are away. He discovered the crime and called me. I told him to call the police; they came and said it was a burglary. I called Hartford the same day to report it.

The Hartford did not return my first call for two days and then during the call they seemed only interested that we were not at the house but on a long trip. Nicole asked me twenty different ways about where I lived and I always said I only have one house and live there. She was not concerned about what was missing or damaged and she just tried to make me say that my house is vacant and I live somewhere else. She finally assigned me an adjustor that would come out in ten days.

I called her supervisor, Brian ** the next day to complain about the treatment and my concern for water damage from destroyed plumbing and he only said that I have admitted that I do not live there. I could not believe what I was hearing and told him that I never said that, I only have one house, I live, pay taxes, vote and have my mail there, and I am only on vacation.

The next day, I received a notice of cancellation from The Hartford and a letter from an outside adjustor, Reggie **, saying that all correspondence was to be with him. He also went to my house and my neighbor let him in to see the burglary. During his time there, he accused my neighbor of the burglary.

I called Derrick **, the head adjustor for the west coast at Hartford, to complain about their treatment and after listening to me, he said that I have already admitted to them that I don't live there. I told him that is not true. We have cut our trip short and are home now but we can't stay at the house because of the plumbing/electrical damage from the burglary.

Four weeks from the crime, Hartford quit returning my calls. We also have someone who wants to buy our house but on the condition that it is put back to how it was. We would like to sell it to them but need the insurance money to fix it.

AARP does not help retired persons, they are a business making money from retired persons.

I give Hartford insurance a no-star rating. In June of 2010, our neighborhood had a yard sale. An elderly lady walking down our sidewalk tripped on our pavement. The area was at the property line of our next door neighbor. We administered first aid and asked to call an ambulance, the woman denied assistance. We called Hartford and reported the fall.

A few weeks later, the lady showed up at our door requesting some assistance with her therapy bills. A claims adjuster came to the house to view our sidewalk. The neighbor's sidewalk had sunk approximately 3/4 of an inch which is where the lady tripped and fell onto our property. The claims adjuster stated that this did not warrant fixing since the area was not significant. July 29, 2011, we received a letter informing us that our insurance is being discontinued as of August 30, 2011.

Hartford claimed a letter was sent out that we did not respond to; We never received the letter. We asked for a 30 to 90-day extension which we were denied. The individual we spoke to was rude and stated that she was 100% sure the letter was sent and we received it even though it was not sent registered or certified and she had no receipt. The claim was for $7,000. We were told that we were high-risk client and that Hartford was not willing to renew our policy. Even if we made the repairs to the sidewalk, which is not on our property, they could not guarantee us that the underwriters would approve the repairs and keep us as clients.

When I called another company to seek other insurance, they were amazed at the information we were given. Hartford was inflexible and there was no customer service of any kind from them. We chose Hartford because of their affiliation with AARP. Little did we know that their poor response to a claim was going to result in this problem. I will never recommend Hartford to anyone.

We have our homeowners insurance with AARP - The Hartford Insurance Company.

We have lived in our home since 1987 and never had a claim before. The pipe in our utility room, behind our furnace, breaks and ran down our baseboard and into the crawl space. It rotted out the floor and damaged the flooring in our newly remodeled kitchen.

When I filed the claim, I asked them if I need to get more than one estimate and they told me no. They had three adjusters and all had different opinions about the damage. The Hartford only wanted to give us $6,000.00 but my contractors knew they were shorting us money and that we would be paying a lot out of our own pocket if we accept it. This claim has been going on for six months and they finally agreed to $21,774.00 so far.

I received a cancellation notice this week saying they have cancelled our insurance because we haven't fixed our house in a timely matter.

We would have had our house fixed if they would have agreed to that amount from the beginning.

My house insurance was due to be renewed and it had increased coverage. I contacted them to reduce the coverage to last year's numbers. I was told that the coverage was based on house value and if I gave her permission to access a program that dealt with home replacement costs, she would see what she could do. She came back with the fact that my cost replacement was at $229,000, which is almost double of its value and that now I would have to pay $200 more. I was not asking for replacement; I simply wanted to be covered for a little over the mortgage amount.

I was not allowed to choose what I wished to be insured for and was punished for trying to do this. Do not do business with The Hartford or take the low rates for 2 years and have a back-up plan after that. Consequences are: I packaged my home with my car with another company and saved $608. I would not like to see anyone being taken advantage of, which is why I am filing this complaint against them. They tend to bully and there are people who could suffer from their tactics.

We received a letter from Hartford regarding the renewal of our current home insurance. It stated that the replacement cost estimation for our home is increasing from $216,000 to $328,000 on renewal of our current home policy. Based upon local current home market, we believe this increase is unrealistic. Locally, the construction company average cost to rebuild is $80.00 per sq ft. in our area of Oklahoma City. We called Hartford. They recalculated based upon our conversation, including information about our house that has not changed over years (sq. footage, exterior cover, etc. ) to $278,700, which we believe is still excessive. Why would Hartford's description of our house be any different this year? Every year, this insurance coverage has increased but never this much. We realize fees for permits may have increased. However, construction costs have not increased in our area since this time last year. Excessive coverage costs are out of control.

I have had my home insured by The Hartford since purchasing it in 1981. I pay $2275 per year, which includes a rider on an emerald ring. In the 29 years I have been insured with Hartford, I have paid approximately $65,000. I have had two claims. One was for damage to my tool-shed roof. I think the payout was about $400. The other was for the ring. The stone got a small chip in the corner. The Hartford paid to have the stone replaced. They took the old, chipped stone as salvage. I am sure they were able to have it cut down and sell the slightly smaller stone. The total appraised value of the ring was $5750, which included not only the emerald but side baguette diamonds and a hand-made 18K setting. They stated they had a payout of over $4000 on this claim.

This doesn't seem likely to me! I recently tried to purchase a rider for a second ring. They refused because they said I had two "occurrences" on the first ring. What was this second occurrence? I had phoned to inform them that the band of the ring had split and that I might want to submit a claim for it. I called back the very next day to tell them that my jeweler was repairing it gratis and that I would not be submitting a claim.

Needless to say more, I am looking for a new insurance company. It seems to me that they are being penny-wise, pound-foolish to lose the business of a customer who pays $2275/year, always on time, over an occurrence that cost them nothing.

We have all our insurance thru AARP: medicare supplement., auto and homeowners. On July 27, we had an incident where our water heater exploded. I called as soon as I could to report the incident. I was asked first if I had contacted Service Masters, a drying company. Having never making a home owner claim of any kind, I had no idea who or what this company was or what they did.

Alright, I was told the water heater was not covered but the water damage was. We called a plumber, had the water heater replaced out of our own pockets, only to find out the source of water throughout the house was not from the water heater but a hole in the foundation plumbing. I called the insurance company back with this information. They said I would be charged with two different deductibles. They sent an adjuster out to assess the damages and he determined that the water leak was responsible for all the flooring and wall damage. So since I had already paid for the new water heater to make a single claim on the leak, which I did. The insurance company sent Service Master to dry out water from walls, etc. They ran those blowers and dehumidifiers day and night, no way to hear nor sleep here with so much noise. No one told us what to do next. No one advised us of step two. We were just supposed to know I suppose, but if you have never been through this, I doubt anyone knows where to begin.

Finally, on my own, I went out to find replacement flooring. I still don't know what other things were needed to be ready for the flooring, such as painting etc. In the meantime, I began noticing huge cracks appearing on some of the walls that were not there prior to water leak. Oh, left out the part where we hired a plumber to jack hammer up the floor searching for water leak. After 4 holes he found it and repaired it to the cost to us of $4,200.00 of which Hartford paid back.

The flooring company came to measure the affected areas and bid the flooring. In the meantime, we decided to go ahead and replace kitchen and laundry room out of our own pockets. When they got here to remove existing flooring in kitchen and laundry room, they found them both very wet and was unable to begin process. I called back with this new information only to be a bit challenged to the validity of that report. At which point, I spoke to two different agents and explained all the damage to the wallpapers on the kitchen and laundry room. I was told only the affected area would be paid for, not the cracks that they were foundational issues. That did not exist prior to the water incident. They are using a meter to detect moisture still under slab and it is too much to risk laying the flooring.

I called a leak detection service out to make sure there were no other leaks and there were none. Meantime, in order to have flooring restored, we have had to hire a foundation company out of our own pocket to fix the damage. They say was brought about by water standing under the sub floor and water barrier. This has been going on for more than a month now. We are living on bare floors, broken Sheetrock and moisture under the floors, our furniture, outside on patios and porches. No one is calling us to further instruct us as to where to go from here. I have lost more than a month of work since my husband was recently very ill and cannot cope with all these problems.

Went online to pay my homeowners insurance and saw that only my auto insurance payment was there. Called the hartford and they looked into it and came back with Oh that policy is scheduled to cancel due to not meeting the qualified amount. They had came out to my house a couple of months earlier and did an appraisal for insurance which they did not do when I signed up for it over 2 years ago. They sent out the policy and their was a check box on their form that asked do you want the policy price to remain the same. I checked that box to leave the price the same.

I Recently asked for a quote on auto insurance on two vehicles. Their reps cannot even handle the quote correctly. I gave them all the info that they asked for and they send an email asking for the same thing again. They try to gather info via unsecure email instead of from their website. I filled out the forms online and it then went to email. Someone needs to investigate the practices of this company and see who they are scamming by employees internally.

Are they a legitimate company or sailing off a cliff and everyone needs to jump ship before they disappear with all your money? Have no home insurance and wonder if I could even get help when needed if I keep their auto insurance.

I just received my car insurance and homeowners insurance renewal from AARP The Hartford Insurance. I have 3 homes, 3 vehicles, a boat, and a jewelry policy with The Hartford. I chose them because my 86-year-old mom and 91-year-old dad live with me, and AARP The Hartford is a "senior" company. Imagine my surprise to learn that our car insurance had gone up $382 a year, and $290 of this raise was because my dad had the audacity to turn 91.

Get it? A "senior-oriented" company has penalized my dad for living too long. I should mention that my dad has never had an accident or a violation, but that means nothing with AARP The Hartford. I've heard their commercials,"We take care of seniors", they should add, "until you get too senior". They also said that his mileage had gone way up. His mileage is all the way up to 3214 miles a year. The reason it's up, is because he has been taking my mom to the chemo center, the radiation center, the cardiologist, the neurologist, etc. And he does like to go the grocery store almost 2 miles away.

I wonder which excursion AARP The Hartford would like him to discontinue? The cancer doctors or the food store? The representative told me the rates are based on statistics. I told them my dad is many things, but a statistic is not one of them. He is a WWII hero, a dedicated and loving husband and father. He is the kindest human being on the planet and he has never cost an insurance company one thin dime! He has faithfully paid his premiums for some 75+ years. In fact, I would think they owe him money right about now.

I filed a claim in March 2010 for shingles on roof. I am still waiting for them to replace them. In the meantime, more have blown off because of not getting any replacement yet. They say I will need to file more claims for the "new missing shingles". This is the worst insurance I have worked with. I have never filed a claim with them. I have several policies with them and am thinking about transferring all policies. I, too, am an AAP member.It's a big disappointment, and nothing has been done yet! They say they have to be trucked from Idaho. Well, how far away is that?

I filed a complaint yesterday and then kept digging through my files and found the documentation that I had indeed talked with someone about our automatic homeowner's policy premium payment being solidified. I called again and talked with two representatives and the issue was resolved satisfactorily with a credit to our account for the penalty fees. Matter now hopefully resolved...all representatives were most gracious with every phone call; it was just so frustrating to have to go to such lengths to resolve something that was supposed to have been done correctly the first time.

I recently went online for a quote from the Hartford (with whom I have had for the last two years), for my new retirement home in Las Vegas, Nv, thinking that because The Hartford was associated with AARP, I would get a great price for the exact same coverage as I have now! Surprise! The online quote I got was $2180 a year, compared to Geico's quote of $1317 per year, $863 less per year less than Hartford.

Thinking that this was a mistake, I called and spoke with a real person and was told the quote was correct who went on to tell me that when I move and cancel my current policy, I will be charged a 10% surcharge on the unused portion of my policy, Yep, the Hartford is a great deal for AARP members that are either very rich or stupid! Because I'm up for renewal, I went back to Geico and got a quote for the remainder of my Colorado stay and was quoted approximately $375 per year less and my policy can be transferred with no penalty except for the difference of premium cost when I move. Now that I have seen the light, I will be changing my insurance company as of today. In a word, AARP deals are not what they are cracked up to be! I changed companies.

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.

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.

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

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.

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.

they sent me a check for $700.00 within a week, I have a $500.00 deductible, the party that caused the damage had their insur co pay the hartford $1,200.00 on 4-7-06, as of this date (5/25/06) the hartford has not sent me the $500.00, I have called and called and all I get is the run around. Also since this happened I have cancelled all my insur with the hartford and am now paying 50% less for the same coverage. AARP is getting a kickback from the Hartford of 50% of each and every premium that is paid to them. AARP is nothing but an insurance company