The Hartford - Homeowners

My husband's dying wish was for me to address our aging roof. Surely, after 19 years, through many storms and hurricanes in Texas, this roof had suffered sufficient damage to need replacement. The adjuster came and went without discussing his findings. My husband was very sick from his chemo treatment and I paid little attention to the process. My husband died shortly thereafter. Consequently, I was told that less than $1200 of damage was found, far less than my deductible. Are there any remaining honest insurers on this planet?

I filed a claim with my homeowner's insurance company in November 2011. It is now almost May 2012 and I still have no answer to the claim of responsibility. They use stall tactics and lies to keep you waiting. The Hartford is a bad faith insurance company. The claims agent just keeps sending form letters saying he is waiting for reports and has never provided me with even one document as to any engineer's findings. Everything is a big secret and hidden and lied about and they refuse to accept responsibility that they are obligated to cover costs of repairs for my home.

Raise in homeowner premium - It seems that Hartford uses an independent company to tell them where my fire coverage comes from. My rating has increased from a 5 to 9 because they say I live in Jefferson Township which is 8 miles from my home, when in reality I live in Madison Township and have 2 fire departments which are my first responders and are 2 and 4 miles away. I have taken my time to make repeated calls to Hartford and even had the administrator of my village send a letter to Hartford to no avail. I am seeking a new auto and homeowners insurance and will look into whether or not I want to affiliate myself with AARP. Your response is anxiously awaited.

Due to a Hartford error, our homeowner's insurance was cancelled. When we were notified, we found another company to cover us. We received a notice from Hartford telling us we had to pay additional fees and fines for getting insurance elsewhere.

I have never filed a claim against the company. I called them on the issue and they told me the rate could have changed due to inflation. I said inflation from $516 to $995? The operator then said, "well, let me check" and said the fire department rating in my area could have changed. I said I have never seen a change in premium cost in Arizona due to the Fire dept. rating. I was then told it was an error in their system that caused the Fire Dept. rate change. Well, this is a very large issue that should not have happened. I think people sometimes pay this without realizing what had happened. A rate increase of almost 93%, that is a huge error on their part. They did correct my Fire Dept. rating and did drop the payment down with a little inflation from $516 to $540 a year.

I called the Hartford company about a leak in my roof. They sent out their claims rep, who inspected the roof and the three rooms affected by the water damage. He told me the repairs did not meet my deductible of $3,000.00. I had another company look at the roof and they said the repairs that were needed could not be accomplished without a complete roof replacement. He explained the roof repairs would not match the existing old roof and would look really bad. I contacted the Hartford company rep. He would not return my calls so I called the home office to explain the issue, still never received a call from my rep.

Three months went by, no resolution. I repeatedly called and still, no return call or visit from the rep. I could not even get the repair cost report from my rep. I had to replace my roof to protect my house. I turned them into the Texas state insurance board. They explained that I would need to get another appraiser and fight using arbitration. Why can't they just do their job and resolve these issues without causing so many problems? All they needed to do was meet with the contractor and resolve my issue. The lack of resolution and poor appraiser performance is just another case where they have your money, they could care less about about being accountable to the policy holder.

I would never choose Hartford again for any kind of insurance. They used to be a good company but not anymore. They were going to raise my homeowner's policy for no reason at all. I could not afford the increase as I live on SS. I have never had a claim. Anyway, I received a quote in the mail from them. So I bit on it. They turned me down because I burn coal once in a while. My primary heat is a heat pump. I just today received a letter from them saying the reason they could not insure me my primary heat was not centralized. Just **! I would not sign up with them under any conditions.

We have had The Hartford homeowner's insurance for over 20 years and have never had to file a claim. In March of 2011, we found a photographer on our property taking pictures of our home and property. We received no prior notification that this was to be done and did not hear from the Hartford until this week when we received a cancellation notice. The notice read that the policy would be cancelled on 12-21-2011 due to cracking paint, debris and some areas of the roof that need repair. We were not even allowed to fix the alleged infractions. We will be forced to look elsewhere for our homeowner's insurance. It seems that our loyalty, prompt payment, and the fact that we had never had a claim meant nothing.

A nearly 50% rate increase with no claims in the past 5 years, how is a person on fixed income going to pay an increase like that? We did get a 3% income raise the year after, but no increase in the past 2 years! I know they need some increase, but 50%? Every company would love an increase like that, but the world does not work like that! Wake up, this is the real world! I am now looking for an other insurance company!

Hurricane Irene caused a 20ft tree to fall and damage my home, 2 cars, and a pick-up truck on 8/28/11. The falling of the tree caused the power lines and phone lines to disconnect from the home. The tree almost caught fire when PEPCO flipped the switch to reconnect power to the other homes. The adjuster did not inspect the property until 9/7/11 because of the rains. My son and I were unable to remain in the home as there was no power, and PEPCO would not reconnect the lines until electrical work was complete.

Hartford stated that I would have to pay for the tree cutting and removal, the electrician, the contractor, the loss of use expenses, and then submit them for reimbursement. The total cost thus far is almost $8,000 and I have yet to receive one penny from Hartford after submitting receipts and paid invoices as instructed. My funds are down to $32 and I can no longer afford the hotel we were staying in. I now have two beyond repair/used refrigerators infested with maggots and rats as there is still no power and the house is warm; a great location for infestation. These appliances should be replaced since the reason they are unusable is because Hartford has not processed the paperwork or paid for the work to be done so my son and I can move back into our home.

My mother's home was robbed by several individuals. Unfortunately, one of those individuals was her grandson who had been staying with her. She and I went on vacation and returned home to find that all appliances such as fridge, stove, freezer, etc. and as well as bedroom furniture, living room furniture, and almost every other item of value had been stolen. The police were called, and her grandson was a named suspect who has now been arrested for this horrible crime against his own grandmother. He is being charged with felony theft of $10,000-$59,000. In the eyes of the law he committed a crime but according to The Hartford, since he was staying in her home, her homeowner's policy will not cover anything at all on this claim.

On 16 Apr 11, we had a major thunderstorm that knocked the power off. It destroyed my heat pump and hot water heater. I had two independent electricians attest to this fact, and yet, The Hartford denied my claim, stating that the equipment was old and wouldn't last much longer anyway. I am extremely furious as I have never had a claim in my life. It's all good when they get their premiums, but when they have to pay, forget it. I had to spend over $5,000 out of pocket for something that was an act of God.

Last week, I received my insurance policy from The Hartford for the June 4, 2011 to June 4, 2012 year (please see attached). The "Total Policy Premium" was $1,221.00 for $146,000 of Dwelling Coverage. This is a 20% plus increase on top of last year's premium. I called and explained that that premium would be a hardship for me at this time and I asked to decrease the cost of the policy in some way. The women I spoke to made suggestions, but none mounted to more than about $30.

I am not sure how we got to recalculating the policy, but she did. After recalculating the policy, she told me that the replacement cost would be $183,000, and that I would now lose my "Replacement Cost Guarantee Rider" because I now only had coverage for 80% of the replacement cost. I asked her what that meant and she said that if my house was destroyed, The Hartford would stop building at $146,000.

This week, I received a new statement with exactly the same coverage (see attached), but now, it had an additional $194.00 increase. I called and asked to speak to a supervisor and was told that the increase was a penalty for only having 80% of the coverage needed to replace my home. How could this be? They are saying that I have less coverage and I say that they have less responsibility, so why am I paying more?

I have two major illnesses: I am on a transplant list at Florida Hospital and Mayo clinic and I am waiting to hear my results from a bone marrow biopsy. In addition, I have rheumatoid arthritis. This means lots of doctor visits and medicines. I am struggling to pay doctor's bills and have to choose what to eat, see a doctor (who will need to be paid), or buy medicine. Now, I have a 40% increase over last year's policy and if I want full coverage, the policy will cost $1,562.00--more than a 50% premium increase over the cost of last year's policy. I don't care about full coverage, because I just can't afford the $182,000 rebuild coverage, or the $1,562 price tag. I would also like to note that the house is only valued at $105,000.

The initial $200 plus increase was going to be difficult to pay. This additional $194.00 penalty will have a negative impact on my ability to take care of myself. Moreover, I believe that this has or will happen to other seniors--seniors who could possibly have even worse health and financial difficulties. Please help!

I have had to put in 2 claims with Hartford Insurance Company due to my flat roof leaking in the back of my home. It is right over my kitchen and in my den (family room). On the first claim, snow and ice were removed and water damage control was provided by outside companies. The claim was paid for snow removal and water damage in the inside of the home. But no money was allowed for roof repairs. This year I had the same problem, only worse. A roofing company came out and removed the snow and ice. The water damage company for the inside was called in. Drywall was removed where the water was coming into kitchen and den. The water damage company was paid but the roofing company was not paid for their services. I had to pay for that out of my own pocket.

Well, the scenario seems to continue. I have had several roofing companies come out with estimates. And I am told the same thing that I need complete new roof. The lowest estimate that I have received is $8000. I don't have that kind of money. I have just gone through a divorce and I am receiving no help from my homeowners insurance company. I was under the impression this is what the homeowners insurance was for. I am very upset.

This is so wrong! One month ago, damage was caused by a Hartford-insured workman to our basement. We should have had confirmation of the damage or a check in our hand for all the damage. Art **, a WilleyWell Drilling Hartford insurance agent, gave our family a hard time about the situation. We are the ones victimized. We were told to wait by Hartford to see if a plastic pipe that broke was a manufacturer's defect or the workman's carelessness of tightening the unit too tight by their engineer. The damage should be paid by the workman or his insurance company since the manufacturer to the workman said he tighten it too much. Facing the reimbursement should have been the workman's problem since the part was in for 3 days before bursting.

We have been carrying water into our home for six years and have now had to abandon the well of the well driller. We paid the workman in full, nearly $7000 for his work, and his insurance company. The Hartford is not standing by him or us. We pay high insurance premiums to look for a company that is reliable for peace of mind. We tried to save as much as we could with our loss, and have lost winter coats in the mist of the winter season. This needs to be settled. The Harford insurance said that is not how it works and never even sent a representative to assess the damage.

We received a phone call today 12/16/2010 from the Hartford at 1-860-409-8000 who said their engineer has determine that the piece was not a manufacturing defect or the fault of their client. No one was ever near that unit after it was installed. The discovery was made at 3:00 am when I got up to go to work and thought it was raining outside. I went into the basement and discovered the flood. The Hartford must be reported for treating people like this. We do not deserve to have to go through this. They need to pay us for the damage. Please help us and please afterwards help us to change our auto insurance from The Hartford to a reliable company, as we would not want anyone to have to go through what we are.

Since I bought 1201 Magnolia Alley, Mandeville, LA 70741, I have had Hartford as my Home Insurer (applied via AARP). In 2010, it was confirmed (by Hartford testing) that my house had defective Chinese drywall. My tenant moved out and claimed that the house was uninhabitable. Throughout the correspondence with Hartford, all their letters had statements about the Louisiana law, reminding me of possible presenting false or fraudulent claim. On September 17, 2010, Hartford sent me a letter that they will cancel my insurance on the 21st of September. As per a new Louisiana law, Hartford have now committed a crime of breaking the law them self (Bill 595 by Sen. Julie **, R-Metairie). A sham-full action towards their AARP customer.

After being a customer for many years, I have been forced to cancel three insurance policies with Hartford in the last few months. The premiums have increased far more than I can afford, and with no claims.

The last policy was an effort to cancel. I notified them (Wendy) on 10/1/2010 to cancel my homeowners coverage. In spite of the notice, They deducted the premium from my checking account on 10/13/2010. I contacted them the same day and spoke to Rita **. She advised my checking account would be credited within 5 business days.

That did not happen, and on 10/20/2010, I spoke to Jamie, would ensured me the cancellation would be done manually, and I would receive the credit in 5 to 7 business days. That also did not happen. Seems they were attempting to cancel a policy that was no longer in effect. After yet another delay in receiving my money, I called on 10/29/2010, and spoke to Christie to transferred me to Chris ** in the billing department who informed me a check had been processed and mailed on 10/25/2010. Not a credit to my checking account, but a hard copy check. She also advised me the agent did not notify the billing department to credit my checking account, therefore a check was mailed. I received the check today 11/1/2010. Less $4.00 for one day insurance coverage. My policy was renewable on 9/30/2010, but because I called on 10/1/2010 to cancel they charged me $4.00 for one day of coverage.

No real economic hardship, but I did indeed have to transfer funds from my savings to cover the deduction for this premium, in order to be sure I maintained the minimum balance in my checking account, and not get charged a bank fee for falling below the minimum. I want people to know that Hartford, which is promoted by AARP does not care about you once you start cancelling policies. No matter what a good customer you have been in the past.

My insurance for home and auto was raised nearly $600.00 per year. When I asked for an explanation of this increase, I was told that my policy received 2 price increases in less than one year due to the high number of losses that Hartford has received as a whole, no explanation of how the rate increase was determined. I am now forced to shop around for a different insurance provider due to this unethical practice and of course I wasn't notified of the rate increase until it's time to renew.

I have had homeowners with the Hartford for the past five years (or more). I recently had a water leak that came from the main into my driveway. It was the pipe that came to my house that was leaking. I contacted the Hartford, at the insistence of family/friends, to see if I was covered or not. I honestly thought it wasn't covered. I talked with a young girl who insisted that I had to put a claim in for the incident (leak). I completely refused to do this even though she insisted that this was the protocol.

Finally, she told me she could just put it in as an "inquiry." I finally agreed as she told me it had to be done like this in order for someone to contact me back. I asked to just speak to sales and she told me that it would not do me any good as they would just shoot the call back to her. On Thursday, October 21, 2010, an insurance agent, Nick ***, came to my home while the work was being done to correct this leak. He came into my living room and told me that there was an "open claim" for me. This was after he stood outside and took pictures of the water leak in my driveway.

He told myself and my brother that I indeed was "not covered" for this repair. He showed both of us the claim number and said that it was put in as a "claim" against my insurance coverage. I really got angry and insisted that I only made a call to see if my insurance covered such a damage. He apologized, told us both that this happens a lot with young people that they hire there and can't communicate the correct data into the computer. I asked Mr. *** if this was going to impact my insurance in any way (show a claim that I did not even place). He told me to call the home office and complain to them, constantly shaking his head in disgust.

Well, the next day, Friday, Oct. 22, I called the Hartford, spoke with 6 different people. They all gave me the runaround, put me on long long holds and told me that if my insurance goes up next year to just explain it to the office at that time. I told them I did not want to explain anything. It was them that should be explaining to me how they could have treated me like this. They finally concluded that the case was just an inquiry and "it would be okay." Don't get all upset. I insisted that I would please like to speak with a supervisor, many many times and they did not provide one for me.

This is so outrageous that I am just disgusted and disappointed, to the highest degree, that this company would treat their policyholders like this. When Nick *** finally called me later that day, Friday, he told me he would send me a "discharge letter." Discharge of what? I simply asked to speak to someone that could help me with my policy. This has become so blown out of proportion as I honestly believe I am not comfortable doing business with this outfit.

Not sure what to do about this. I do need coverage for my home. Never made a claim ever with my home or auto. f someone there could help me with this, I would be so grateful to you. Thank you for reading all this. I hope I made it easy to understand. Turned out to be a much bigger nightmare than even the pipe bursting.

We had homeowner insurance with Hartford since 2009. At the time we purchase the policy, the premium was scheduled to be paid quarterly directly from our checking account with SunTrust Bank. In December 2009, we closed our SunTrust Bank account and moved our banking relations elsewhere. At the time of the closing, I forgot about outstanding authorization for insurance premium. In March 2010, Hartford tried to withdraw the money and the payment did not get through because the account has been closed. I did receive a bill by mail and at that point, I realized that I still have this authorization active. I called Hartford immediately informing them that account has been closed, apologized for not letting them know back in December and asked this authorization to be cancelled. I was assured that it was done and assumed that everything become current waiting for the next quarter bill. I also mailed them a check for the premium due immediately.

To my surprise. On July 16, 2010, I received instead of bill, a cancellation letter for non-payment. I contacted Hartford the same day to find out, for whatever reason, why the representative did not cancel bank authorization at SunTrust and they made a second attempt to withdraw the money and according to company policy, after second failure, policy is to be cancelled. In vein, I argue that I did cancel this back in March 2010. The answer was that they did not have record of any call or request and they refuse to reinstate the policy. So after grueling arguments, hours and time spent, Hartford's final decision as not to reinstate the policy.

We immediately applied for new policy with different provider, got approved and our policy was issued on July 23rd 2010. Since cancellation date with Hartford was August 19, 2010, and after I have got the new policy, I called Hartford to request cancellation of 07/23/2010. Representative took my request said that it will be processed and I will receive calculation for outstanding balance. In a week, I did receive the bill with cancellation, again 08/19/2010! I called Hartford only to find out that again they do not have any record of my call and request and that I have to fax a special form. After two hours of apologies, they send me the form which I signed and faxed back.

A few days later, I received a letter, signed by VP Deborah **, apologizing again and stating that they will re-calculate the amount due. Believing that finally everything is settled, I was waiting for the balance to pay it off and be done with Hartford.

On Friday, September 3rd 2010, I did receive a letter but not a bill with recalculation. I received a notice from collection agency for $128. I was absolutely outraged after all the mishandling of my case and all apologies, but no results. Today, September 7, I spoke with Amy **, paid $128 and asked her to call collection agent, to inform them that my name was given to them by Hartford in error and make sure that no reporting is made to the credit reporting agencies. However, I am not sure that this will be taken care of and done without any mistakes.

I am sure that my case is not the only one. Hartford is the worst company I ever dealt with and I would like the Insurance Commissioner to investigate the activity of this company in DC and take necessary measures to put Hartford name in the consumer protection side as a warning. I also want to be compensated for any damages this wrongful reporting does to us.

We have had car and homeowners insurance with The Hartford through AARP since 2005. We were shocked when we received a bill for next year's homeowner's insurance which was nearly double what it was last year through the AARP Plan. ($1592.00 vx. $971 last year) we called and were told that our policy went up because we filed a small claim on the policy last year (for the first time in many, many years). We were also told that the price increase was due to The Hartford's calculation that it would cost more to replace our home if something happened to it.

In the 2010-2011 quotes, the Hartford was valuing our home, which is small and old, at $203,000 + $20,300 for "other structures." (We do not have any other structures besides our home). Additionally, The Hartford valued our furniture and personal items at 70% of the home value or in excess of $140,000. We tried to explain that our home is not valued anywhere near that amount, and could be rebuilt for far less than what the Hartford was showing. We reminded him that we had a burglar and fire alarm system that was not noted on the policy quote and that our personal property was not worth anywhere near $140K.

The consumer line operator said he would recalculate for us to see if we could get a lower price as the current price of $1592.00 per year is far too expensive to continue. The operator came back on the line and said that based on his calculations, he would have to go up even further on the price of the policy since he felt that prior quotes had underestimated the value of our property. He was now valuing a home that is worth $150k at $300K+ and our personal belongings at 70% of that or $210K+.

I asked to speak with his supervisor and she parroted the same thing - that she was sorry but our price would be going up even more than the $1,592.00 per year quote they had made before our call and which far exceeds the true replacement value of home or personal property. We are very disappointed in the lack of service that we received and the fact that AARP members are penalized for daring to question the quoted price for fear of further retribution. The consequence is that we now feel that The Hartford has no respect for its AARP consumers and are afraid to speak to any of the agents for fear that our price will be increased even further. The Hartford should honor the lower price that it originally quoted and work with AARP members to determine reasonable reconstruction and replacement costs based on the community and not based on some computer model that has no relevance to the actual value of our home and property.

When I became a member in 2005, I chose Hartford because at the time the rates were phenomenal. After the first year, when it was time to renew, I almost fell out of my chair. The rates had tripled! They said it was because of Katrina (the hurricane) and checked out my credit. If my credit was the problem, they should have been forthright and told me when I first took it out.

When I got the renewal notice and called Hartford and heard what they had to say (I was also told I owed them more money), I had to start searching for another company. I settled for State Farm. Their rates were higher, and I had to come up with a large down payment. I wish Nationwide catered to Louisiana as I had been with them for years with zero problems. I personally think Hartford does this type of thing just so they can rate big with AARP so that AARP will advertise for them.

I called Hartford to find out why my homeowners premium went up 20% in one year. Seniors are on a fixed income and do not receive a pay increase to keep up with a sudden increase jump like this by an insurance company. In addition, no claims have ever been filed by me. I was told the their reserves couldn't handle all the claims from the fires last year.

If Hartford is collecting 20% more on homeowners insurance from all their clients, they should have a hefty sum. Please check into this rate increase, as my friend's condo also went up too. With every company using the claim that they need a cost of living increase, where does the consumer get the money to keep up?

I would like to know how many historic/antique homeowners The Hartford has turned down for renewal?

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

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

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

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

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

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

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

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

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

I am a Katrina victim and feel that I have received shoddy treatment from The Hartford Flood Ins Co. It operates independently from the Hartford Homeowners and apparently the home office has no input nor control over the flood division. In fact, The Hartford should be ashamed to claim this group part of The Hartford.

I have volumes documented of my 3+ year battle to get adequate compensation to repair my flooded home but to no avail. Communication with them is practically non existent. They do not return phone calls nor reply to mail. The most recent was a letter in June, out of the blue, detailing a proposed supplemental compensation but telling me I had not submitted a proof of loss !!! As ridiculous as this was I promptly had an attorney notarize another. And that's the last I heard of that, no reply to my registered letters nor phone calls. I have had flood insurance since its inception in 1968 and moved it to the Hartford when they began to offer it. All my other insurance is with The Hartford and I have been pleased.Not so with their flood. Consumers beware

I did not receive adequate compensation to repair my home.

For years we have been charged for another structure on our insurance bills. We have no other structures. Our zoning allows no outbuildings and we have none. the Harford charges us a fee for 22,000 coverage on another structure. A person told me they have to put that on our policy. It might not add a lot to the total bill but the value goes up each year for our phantom building. I was told they are required by law to put this on our bill.

It might not amount to a lot out of our pocket but after years of paying for this structure we don't have and have to insure is rediculous. Can somthing be done about this. I was informed that ALL insurance companies are required to list other structures whether they exist or not. I have to pay a fee for something I don't have.

Harford sent a cancellation notice that they had decided to pull out of the State of Florida. We immediately went through the hassle of finding a new insurance provider. Once we were accepted by the new insurance provider, I called to have our escrow transferred so the coverage would be seamless. The amount in escrow was $4,584. They issued a check for $2,919.00 and told us that we should never have cancelled at this time...it was just a notice that they would not be renewing us. This is totally unacceptable.

Providers in Florida have been difficult since our major hurricane season so we knew that we needed to immediately search for coverage. It was NOT our decision to change...it was Hartford's. WHY should they be allowed to penalize us for their poor business decision? We still need insurance TOO! It is NOT my problem that they are pulling out of the state and I should NOT have to pay for their decisions!

Today is July 11, 2008....this has been going on since May 28th. There is enough trauma with our economy in the state that it is in and getting the notice that we were being cancelled was terrifying. We NEVER put in a claim during all the hurricanes in the past several years even though we had some damage. We decided to underwrite it ourselves and not to add to the drama of the system. I am not whining about that our damage was very minor compared to others, but we certainly did not deserve to be cancelled and certainly did nothing for them to steal our escrow!

4/25/08 I fell in my husband's drive way,while on a visit with our grand child .She ran out of the car & I ran to catch her & tripped & fell head first @ the end of the drive way falling into the closed double, garage door. I took most of fall on my shoulder & arm,i was unable to get up ,I thought I had broken my neck& or spine. Both of my adult daughter's witnessed the accident,an ambulance was called & i was transported to the hospital. I was xrayed twice due to severity of break's encompassing from elbow to shoulder,in front & back of my right arm. The pain is unrelenting & the Dr. referred me to an Orthopedic surgeon,I will see him 5/1/08 for possible surgery,my ball socket shoulder was sheared off[DR.@ hospital's quote]& there are two break's in that ball socket/shoulder.

Insurance agent tells me im not covered ,that med/coverage is only for stranger's who are injured on the property?. I explained my policy does not specify that @ all but show's med/coverage. I also explained the house is in My husband's name only & im not listed on the insurance policy either,& in addition I am currently seperated & will most likely get divorced from him & im staying with a friend ,In Portland for now in the interem. Im 61 yr's old,im physically unable to even dress my self, I have no insurance & she say's the company cant help me?? I am legally Blind[cone& Rod Dystrophy] & I simply tripped over my grand child & I feel the insurance he has had nearly three year's with the Hartford should @ the very least , be liable for my medical bill's. My husband's policy also has a $400.000 liability/coverage.

extreme pain ,unable to sleep, walk, dress, feed my self ,this is right arm injury im right handed, im concerned about future use of this arm,due to where break's occured@ Ball socket /shoulder.I cant pay the bills present & future, without my husband's insurance co. realizing there obligation to me & there policy holder ,my husband's policy is in good standing. I have never been involved in a medical claim ever.

I had damamge in my shower, so I put in a claim. It took over 2 months two settle this. since the HARTFORD does not have a adjustor in SAN DIEGO. I had to deal with a adjustor, in Phoenix. After the claim was finally settled after two months, they dropped me claiming I bounced a check. Untrue and the would not let me pay them for the one month preium they say I missed. What a excuse to drop me, since they had to pay a claim. One month after they paid.

Now I have no homeowners insurance, and my mortgage company is gong to force me to get insurance from them, that is overpriced. I called State Farm and they will not insure anyone that has had a claim in the last 3 years. This is insane and I have tried other companies with the same response. Living in San Diego is very scary with the fires, and no insurance. I need help soon.

My 91 year old mother left her home to move in with me. The Hartford had all of our contact info. We never received any communications and never got the last bill. The only letter we got stated that the policy was canceled. I called the Griffith Agency to pay the bill and they would not reinstate it after 50 years of my father paying premiums. My feeling is that they watch for the elderly to leave their homes so that they can cancel a policy and charge ridiculous premiums for the empty house. To do this they withhold communications until the policy lapses. The Hartford is despicable.

The Hartford refuses to tell me whether or not my fence is covered on my existing policy UNLESS I tell them whether or not I have a claim. I asked Lorie Kirk at The Hartford why this information would make a difference and she replied that it DID make a difference in how she would answer that question. She argued with me and threatened to hang up on me but never told me if my fence is covered by my existing insurance policy. Nowhere on my policy is a fence mentioned as either being excluded or included. Aren't insurance companies legally required to inform me of my coverage?

i would just like to advise as many people as i can that The Hartford in my opinion is lying to there customers and cheating them. I was an employee there for over 6 months untill i started questioning managment about some of the things i felt to be unethical. You can call up about a rate increase and get 10 different reps. and 10 different answers. co-workers of mine were clearly making things up to cover for the companies so called increases and these practices where encouraged and rewarded, once i began digging into what the real reason for the increases where and why employees where being encouraged to tell lies i was let go.

People, honest people are being cheated by this company

Western New York had a declared disaster in Oct. 2006 where we had many trees fall and loss of power for at least 2 weeks due to an unusual snowstorm. We had a large tree from a neighbor's yard fall on our driveway and some fence damage. We put in a claim for tree removal which was $950.00. We paid our deductible of $500.00 and they paid $450.00. We chose not to make a claim for the fence or a rental car since the tree blocked the garage and we couldn't use the car. We did have coverage for this, and the adjuster suggested using the coverage, however we declined. We are insured with The Hartford for our autos, umbrella, homeowners, life and all our commercial policies. It is the only company we use for all our policies. I also have coverage for loss of business through them on the commercial policies, but did not choose to make a claim for loss of business for 5 days. This is because I did not want to be penalized. We also did not claim $2500.00 damage to my vehicle in the summer of 2006 for damage caused while the car sat in a parking lot. We paid out of pocket. We do not make frivolous claims or even legitimate ones for fear that the Hartford will gouge us in higher premiums.

I am now moving to a new home. My agent gave me a price from The Hartford for about $950.00 to insure the new house ($200.00 higher than other companies who don't insure all of our property, life etc.). I accepted that price. My agent called me yesterday and informed me that Hartford was going to raise that premium by $350.00 per year because of the $450.00 they paid me in Oct. 2006 for the declared disaster. I was now going to pay over $1200.00 because I one time used my policy for coverage I pay for. I looked into other insurance coverage for the same home and got coverage for $725.00 for the same coverage and no penalty for the Oct. incident. Furthermore Hartford has that claim down in their records as water damage. It was tree removal. I am in the process of moving all my business from Hartford. I already have auto coverage for one half of what I have been paying Hartford. I am thoroughly disgusted with them and the insurance industry as a whole.

My neighbor's tree (insured with Hartford) fell on my patio roof during a wind storm. My neighbor called the report in that night around 7 pm. By 12:30 the next day he had not heard from the company. When he called Hartford he spoke with Steve Domin who refused to pay for the damage. When I called the claims department and spoke with a Steve Domin, he was rude, arrogant, short, and stated he would not pay for any part of the claim; they were not responsible for the damage caused by their clients tree as it was an act of nature. Then he hung up on me. This I reported this to his supervisor Mike Long, who called me back the next day and stated their policy would not cover the damage, unless the tree was dead; they do not cover live trees and that no policy covers trees falling on their neighbor's houses.

When I called the Claims Dept to get an address for Hartford, I spoke with a Ryan who refused to give me an address until I gave him a claim number. When I stated I did not have one, I just needed an address where he was at, he stated I need to know what it is you are sending. When I asked for the executive office's address he again refused; when I asked him what his name was again, he hung up on me. This is my first and last experience with the company. Everyone in the Claims Department specializes in extreme rudeness. I will never buy insurance from Hartford.

My patio roof and house are damaged from Hartford's Insurer's tree. If I go through my insurance company my rates go up.This has caused me undo stress and put in me in a financial bind. I am being penalized for something that was not my fault. My neighbor is wonderful and is trying to resolve this situation through Hartford, but they are washing their hands of it.

I turned in a claim to Hartford Insurance for dry rot, wet rot, and mold on a tub surround that we have coverage on. Now they refuse to pay it because of the one tile that has a hairline crack in the grout: we didn't contact them to see it. So now they deny the claim of $5,000.00 and a $500.00 deductible. We received a letter at the beginning stating the coverage is limited to $5000.00. Sounds like on any hairline crack in your house you need to notify them.

We had to replace the entire outside wall, siding, inside wall, insulation, dry wall, and tile.

JUST TO LOG one of MANY complaints concerning homeowners insurance.

This includes a Wind Hail 2% deductable. There is no justification for the increase. Over just 3 years I have seen my policy jump from $600. to $800. to $1100. and now $1650. This is unacceptable. Our representatives are not reacting fast enough for the already burdened homeowner. This can only mean more foreclosures before anything is done to protect the consumer from these price gouging increases.

We had a home fire in July, 2005. Hartford insurance refuses to pay our additional living expenses, our leases for temporary housing, our inventory or our dwelling rebuild costs.

We suffered loss of our home, all our household contents, one automobile, and our income. We have no money for housing because we still have a mortgage on the home that burned.