The Travelers Life & Annuity Co.

1. Travelers Insurance Company, representing Mr. Jay ** and the City of Burlington, failed to negotiate fairly and reasonably for reparation regarding the "Personal Injury Claim" portion as set out in the plaintiff's demand letter of the 30th of October 2011.

2. In September Mr. Jay ** of Travelers Insurance, who titles himself "Technical Specialist", acting for the defendants, made an offer of $4,000 (over the phone) in respect of the Personal Injury portion of the claim **. The plaintiff agreed to Travelers sending the release forms and the offer they had made in writing, which they did on the 23rd of September. On receipt of the offer, it was extremely unclear as to just what the $4,000 related to, and a request was made in writing on the 23rd of September for clarification and a breakdown of the offer. On the 28th of September Mr. Jay ** called and left a message seeming to imply that he believed we had reached a verbal agreement of $4,000 when in actual fact our agreement was that he send the information regarding the offer of $4,000. On the 7th of October, the plaintiff again sent an email asking for a breakdown of the offer and also asking for acknowledgment of receipt of that email. On October 7th Mr. Jay ** again called on the phone and left a message asking the plaintiff to call him back. At this point the plaintiff emailed Mr. Jay ** and asked him to communicate anything of consequence in writing, as he sensed Jay's reticence to set down anything clearly for the two interested parties to negotiate.

3. This request seemed to initiate a sever lack of response from Travelers Insurance, and the email of October 7th asking for a breakdown of the offer was resent on October 13th when Mr. Jay ** had again tried to call the plaintiff via the telephone.

4. On the 15th of October the plaintiff contacted another member of the Travelers Insurance Company, a Ms. H., who had previously assisted him with the "Property Damage" portion of his claim, to ask if she could send the name, address, and email address of Jay's manager as he was not replying to the plaintiff's communications. She did not reply.

5. Mr. Jay **, responding, sent a one sentence email two days later on the 17th of October, saying he would send something in writing confirming his previous settlement offer.

6. On the 28th of October the plaintiff received in the mail a short letter confirming the $4,000 offer, with no breakdown of any sort, along with associated release forms.

7. The plaintiff again emailed asking yet again for a breakdown and also resent the previous email requesting clarification. He also pointed out he had sent similar requests on the 23rd and 28th of September and also on the 7th and 13th of October.

8. Mr. Jay ** then responded on the 28th of October saying that $402 is for out of pocket medical expenses and the rest ($3,598) is for your pain and suffering.

9. The plaintiff immediately emailed back on the 28th October and informed Mr. Jay ** that this did not appear a fair and reasonable reparation for all the pain, discomfort, and disruption to his life, especially in the first 15 days following the accident.

10. Mr. Jay ** replied that he did not agree with the plaintiff's valuations in an email of the 28th October.

11. On the 30th of October the plaintiff set out his claim for $6,402.00 in the form of a demand letter, outlining just what each aspect of the injuries he had suffered he believed was worthy of compensation with an associated amount and asked Mr. Jay ** to point out which aspects with associated amounts he believed were not reasonable. Plaintiff was asking him to respond within 7 business days.

12. On the 4th of November Mr. Jay ** emailed asking for documentation regarding the value of the damaged clothing/bedding and photographs of the scars incurred.

13. Photographs were submitted on the 4th of November along with explanations regarding damaged clothing/bedding.

14. On the 14th of November the Plaintiff made a request via email asking for a written update of the insurance company's deliberations regarding the claims in the plaintiff's demand letter.

15. On the 21st of November a further request was made asking Mr. Jay ** to reply to the plaintiff's demand letter of the 30th of October and the email of the 14th of November; the request also stated that should they not reply within 48 hours, the plaintiff would be forced to submit summons papers to the court as it would appear that they were not negotiating in good faith and for any resolution to occur beyond that point, they would have to include legal costs on top of the amount outlined in the demand letter.

16. Mr. Jay ** did not reply to the letter of the 30th October or the 14th or 21st of November until Monday the 5th of December. He was making an offer in writing of $5050. It is interesting to note here, that up to this email, the subject title of Jay's emails had usually been "Claim **"; however, the subject title now changed to for the first time to "** v City of Burlington." The summons was sent out on the 1st of December and would certainly have been with Travelers' before or on the 5th of December.

17. On Wednesday 7th of December Mr. Jay ** emailed the plaintiff saying he was now in receipt of the complaint filed against the City of Burlington, seeming to imply that he had sent his offer of December 5th before receiving the summons. But he is saying that the $5050 which he had offered on Monday was for more than the small claim amount of $5,000 and would the plaintiff now withdraw his complaint?

18. The plaintiff believes this is yet another example of the insurance company's inability to negotiate in good faith and a cynical attempt to obfuscate and manipulate the situation so that they do not appear to be at fault, and to avoid the responsibility of $25.00 of the court submission fee of $75.00 to boot.

Mr. Jay ** of Travelers Insurance Company has done everything possible not to facilitate a reasonable, responsible negotiation throughout this negotiation. Not replying and refusing to be clear about all aspects of the process of reparation in this claim, forcing the claimant to use the Small Claims Court to get them to respond at all. This will probably result in the court only being able to force Travelers to pay the maximum of the Small Claims Court ($5,000) when the claim is for much more.

Husband had work injury back in August 2009. This person from this company only scheduled one doctor at that time to see my husband even if he filed 3 complaints for worker's injury. It was for his arm, shoulder, hand, hip and foot or ankle or leg.

It took her 7 months after accident occurred to follow up on the arm, shoulder and hand injury. To this day, after two years she never sent him to a hip doctor. Today I found out she entered false information. The worse thing is, this woman, who only spoke to me maybe 4-5 times, now states that I threatened her. This woman never talked to my husband even once. I argued with this woman, I asked her why my husband is still not seeing his doctor.

Then I got a nasty letter from her calling me names. Should I call the police and say her nasty letter was a threat to me as well? She is telling lies, she even lied to the company attorney of Travelers. This company is all lies.

Who committed fraud and a lot more as far back as the 70s? 6th Circuit pegged them for committing fraud long ago.

They are denying healthcare to work injury victim in a timely manner and they even neglected to send him to a hip doctor even if she already dad reports from Traveler's doctors that he need to be sent to a hip doctor. I want to press complaint charges against this insurance adjuster for fraud, negligence and denial of timely health care. If I read all the Internet complaints first I wouldn't be doing business with such an awful company.

I cancelled the insurance we had with them in March 2011. They are still sending bills and trying to claim we owe them for April. I have called them several times. We already sent them a proof that we cancelled, and they are still trying to make us pay for April. Our new insurance took effect on March 15. They were informed on first of March that we were changing companies, and that it would take effect on the 15th of March. Now, they won't straighten up their mess and keep billing us.

At the end of July 2010, there was heavy rain, and it began to leak in the master bedroom. We had to place a bucket under it to collect the water. We called our insurance company and they sent Matt **, the claims adjuster. He climbed up into the attic, looked around for a few minutes, then told us it was caused by a loose wood plank & it would cost just under $1000 to repair. Our deductible is $1000.00, he convinced us that it was not worth filing a claim & risk raising our premium or possible getting dropped. So we did not file a claim.

We have had another stormy night and now it is leaking in two areas, even though we replaced the plank. The damage has spread to about 3 yards and is now going down the wall. We brought in 3 outside contractors and they all went in the attic but they also checked the roof. They took pictures & showed us. We could see outside from the attic because of the hole in the roof. The plywood had so many nails in it that it was shattered & the nails went through the shingles in the roof. The people who did the patch repairs were referred to me by Matt (the claims adjuster). There were beer cans and other garbage in my attic. I am afraid to call and make a claim, I don't want to be considered high risk. I could not afford it. The cost to repair the damage is $3000.00. But I just found out I owe over $7000.00 in taxes.

We are in the process of refinancing to lower our mortgage payments. I just don't know what we can do. I am a teacher & my husband retired 2 years ago and started his own business. We made a claim previously when there was flooding in GA around the end of 2009. Our in-ground pool was pushed up out of the ground about 3ft., our policy states it is covered as other structure & we also have Value Added Package Plus for an additional $127.00.

They denied that as well. I sent them a letter by registered mail outlining the sections of my policy under which the damage is covered and there was never a response. One final complaint, my monthly premium payment are due on the 23rd of each month, yet they have been deducting it from my account every month on the 1st. I called and requested paper billing, followed by a letter. They have ignored my wishes and have continued to debit my account on the 1st of every month.

I have been with this company for four years and for the past two, I have had nothing but problems. It started with a minor accident, almost two years ago, with the total amount paid of $1,800. I had already paid more than that just in premiums. They were extremely stingy with the rental car which is a benefit I pay for in my policy. Since that point, I had nothing but 3 minor traffic tickets; one was on 01/01/10 and the other two were very early in 2008.

On Easter of 2010, I was rear-ended by another driver. I was the front car in a three car accident. None of the accident was my fault and my company did not have to pay out a dime. They did nothing but make that process a pain in the neck.

The next round came when we bought our first house. It was supposed to be a hassle-free process with everything taken care of, and guess who stepped in to make it a mess? You guessed it, Travelers. We closed our house and had all the paperwork we needed, including the insurance binder from Travelers with the account number that our closing agent was supposed to send our first year of premiums for the homeowner's insurance to. Well, they sent the check, but good ole Travelers gave them the wrong account number. So, our check was sent in and lost in the woods somewhere at the Travelers' offices.

I had to make more phone calls than I could count to get things straightened out. The check was mailed on 04/20/2010. To this day, my accounts are still a mess because they couldn't find the check they posted my auto policy payments (without telling me) to the homeowner's policy, which you can imagine messed all things up. For months, I had no idea my auto policy was not being paid in full because they were taking money from that and putting to the homeowner's policy. Then, when they finally found the check, they split that and it didn't cover all the **, so again, I came up short without knowing it.

Then, all of a sudden in December 2010, I get a $250.00 check in the mail from them which I found was kind of odd. I called them, asking why I would have received a random check from them and they said it's because they cancelled my policy. I was shocked. We had just paid them $300 for the previous month's premiums. They lady said it was because we came up around $30 short for the auto and $10 short for the home, and because again they were shuffling around my money, they cancelled the policy. They gave no notice whatsoever. I asked her why we wouldn't have received a call or a letter seeing as they could send us $250 which meant that all they needed was a few dollars to keep the policy going, and she said that she was not sure.

At that moment, I found out that I technically did not have insurance for almost two months and they didn't feel it was important to let me know that. We paid our money and ripped up their check to make sure everything was okay. Now, as a reminder, we never missed a payment with these people. Then today, I receive a letter stating that they are going to exclude me from my own policy or cancel the policy because of the activity I had over a year ago and almost two years ago. As I said, I have had this policy for over four years. I informed the lady that I may be cancelling my policy and reporting them to the insurance commissioner.

I have never experienced this much disloyalty from any company that I have ever worked with. I have two vehicles and a home insured with them. I have been a loyal customer and never missed a payment by my own regards. I apologize that this is so wordy, but I feel I must get the explanation out. I feel that since the date I signed up for the homeowner's policy, they have wanted me to drop the policies.

I have a commercial building which is vacant. I had drained the water lines with compressed air. For a couple of winters, everything was fine. Then the local water company decided to remove the existing water meter. There was a valve in the line to shut off the water line to the building. It was apparently frozen open. The representative of the water company pulled the meter, left the valve open and the water company did not notify anyone that the meter had been pulled or the valve would not close. The building was downhill from the water vault where the meter was located in. The water got into the water vault. They are not supposed to be waterproof and got into the water line in the building, froze the line and once thawed.

The water line became a conduit for all the water that entered the water vault to run into the vacant building. The damage per adjuster was $32,000.00+. The Travelers were the insurer of the water company and Traveler's opinion of their liability is zero! After filing a suit, they agreed to settle out of court. The net after attorney's expenses less than half of damages, the cost to seal water line left open is $0.75 rubber stopper. ****. This is another example of corporate America and the insurance industry refusing to take responsibility for what their employees and/or those that they insure do.

Mrs. B is one of my students. She is in dire condition and helpless to improve her situation. Mrs. B was a competent office worker but also a jazz vocalist and model who had been doing television commercials. A DUI motorist in a van and a large truck went out of control at 65 mph in a 35 zone and hit Mrs. B in a phone booth situated unprotected only 10 feet from the road (Babcock Boulevard in Pittsburgh). Mrs. B sustained a head injury, a broken neck, a crushed chest, significant heart damage, and a miscarriage, after having had the experience of seeing the vehicles bearing down on her, being unable to escape, and being unable to protect herself from them. She was forced to endure the fear of death and paralysis.

She is permanently disabled and her doctors say that she may still need a heart transplant. She had a policy with a certain specific insurance company, as did the two drivers, the phone booth owners, the property owners. She wanted a jury trial but that was denied. She got a miniscule award that was only as much as she had made in a single modeling job previously. The insurance company told her to pay thousands of dollars to reimburse Medicare, but Medicare said it wasn't owed. The judge (later convicted of corruption) issued gag orders for everyone. The insurance company stopped covering her medical bills for facial reconstruction and heart damage, with no letters of denial. Mrs. B lost her home because she paid the bills. Is it possible for anything to be done for Mrs. B? Thank you so much for your time and consideration.

I put off estimate date for three weeks until winter. He showed up three after original appointment date and offered 10% of the replacement cost. This is the Lifetime asbestos tile roof with 40 cracked tiles. I am forced to remove them myself.

On July 18, 2010, we incurred roof damage to our home due to a storm/wind that occurred and blew shingles off. We contacted Travelers to come out and review the damage and let us know what would be covered if we filed a claim. The Claim Representative came out and sent a contractor from Barrett Company on the roof to assess the damage. He never entered our home to assess the inside damage, even though he was told that the Master Bedroom sustained damage and that it was clearly visible if he would look. He made the determination that we should replace a few shingles and that would fix the problem even though neither one checked the attic to see where the water was entering the house.

His estimate came to $161.01 after our deductible of $1,000.00. They sent us a check for this amount that we will return to them without cashing. We requested that another contractor look at the damage and give us an estimate of what it would cost to repair the roof. We were given an estimate of approximately $8,200.00. Matthew C. (Traveler's Rep.) asked my wife what she did for a living. I don't know what her job status has to do with the filing of a claim on our home or why he would ask such a question.

Last year in 2009, we tried to file a claim when we had storm/wind damage to the rear of our home and were told the same story that we had only a few shingles blown off and that the roof could be repaired by replacing the shingles. The Claim Representative estimate came to within $74.00 and change of our deductible. We did not file a claim and paid a contractor to repair the roof. I had to spend $400.00 to repair the roof. My home was built in 1994 and if the roof is not repaired correctly, it will lose its value and suffer major damage.

I wanted Travelers to be fair in their dealing with me when I file a claim just I tried to be fair when I paid my premiums in a timely manner. I requested that they rectify this issue as soon as possible and dispatch a qualified claims representative to accurately assess the damage.

Claim for hail damage to my roof. In the subdivision where I live a hail storm came through and many homes have had their roofs replaced because of the storm. I notified Geico and found out that Travelers is the underwriter of the insurance. I have had two or three different roofing companies come and tell me that there is hail damage. When Ray form Travelers came and looked at the roof he found that the metal covering vents, ridge vents have hail dents all over them. He said that there was no hail damage to the roof.

I asked Wayne how in the world the hail failed to hit my roof and just on the metal parts. I didn't climb on the house but Ray showed me pictures of the damages. I got in the mail on the 13th of July a cost estimate of everything but addresses the real problem. It talked about windows and screens and neither one is on top of the house. I am afraid that even though there was no payment that my insurance will go up on renewal date. Homes have lost their value because of the market.

Bought home 11 months ago. Got notice today that home owners' insurance increased 32%. Reason given: $2,000 increase in replacement value. No claims filed or other reasons. This is clearly something wrong. Anyone knows the real story?

On August 07 2009 at approximately 3-4 am, I was driving from work in the Bronx, NY to my house in Walden, NY. It's about an hour ride and I was traveling north bound on route 9w. Route 9w is a two lane road, kind of like a back way road, trees everywhere and very dark too. I'm driving home when a deer jump out of nowhere and honesty I panic that never happened to me before, so I was afraid to hit the deer and I swerve my vehicle and caused damages to my vehicle and no damages was made to any vehicle.

The claim agency from traveler called me at 9 am. I just got home. I'm depressed I lost my car and they want to question me. I felt pressure to answer their question. I didn't know what to say. I just worked a 10 hour shift and my body hurts. This was the worst claim I ever had. They treated me like if I did this on purpose. Why would I purposely damage my vehicle. Now I have to start all over and make more car payments.

Now they want to cancel my insurance and this claim they put it down as fault, on my driver history so now if I apply for an insurance company, I'm going to pay a lot of money. For my understanding, fault is a person whose negligence caused the accident. It's not my fault. There are millions of deer in upstate NY.

I am the mother of six boys. We live in an area that floods really bad due to a man made bridge that altered the land causing residents on an entire block to flood. I live in the worst house as an investigation had revealed which was carried out by the city. I came to live here as a result of a shady landlord who upon asking about the house I was told it was a great little place with wonderful neighbors. After asking several questions, we were allowed to move on in with no mention of flooding whatsoever. When I had occupied the home for well into my 6th month, I was confronted by the landlord and asked if I would like to buy the home on a land contract. I was overwhelmed with joy at the thought of owning my own home. I, of course, said yes and after getting the papers drawn up and signed, I proceeded to do certain things in my yard and I guess one of my neighbors figured I was buying because of the amount of work I was putting into the yard. This neighbor then came over and let me in on the fact that the whole area was a flood zone. She said although it was not yet labeled as a flood zone that it would be because of the amount of flooding that the area was subjected to.

To make a long story short, she went on to tell me everything about how the city and the corps of engineers had came in and messed the whole lay of the land up resulting in floods. After confronting the landlord with this info, he acted as if he did not know and he pretended as if he wanted to go and check this out. He later came back and said he was sorry and he let us out of the contract. Now, we wanted to get insurance but before we could even get to it, the rain fell all evening and we flooded bad. I had about 4.6 inches of water in my home. I lost everything. That flood occurred in 2009 around July about a year after I moved in. Well, needless to say, I went straight and got insurance and this was the beginning of the worst experience I have ever had with any business ever!

I was quoted a price of $231 which would provide $30,000 in coverage. I accepted and left after all the paperwork was signed. I was called soon after leaving by Geico who was notified by me earlier when I was looking for the best deal. I went ahead and heard their quote which was a hundred dollars cheaper than what I just signed up for. Well, after some calling, I went back to Travelers where I was told they had made a mistake and that they, of course, can provide the same as Geico for the same price. Well, we went ahead since we were there and did it. Now, we were insured for $30,000. A total of two weeks had passed and we got a letter in the mail which read that a mistake had been made and that Travelers was going to be taking my coverage amount down to $8000! Well, of course, we were furious but after a lot of bickering back and forth getting nowhere, we took what we had and was going to try and go else where. Well, regrettably, we got hit with two more floods. The first was reported to Travelers and the adjuster came out took pictures and the whole time he just went on and on about how the landlord, who I will refer to as Bill, was a crook and that they had given him $30,000 already and he had not put nothing back into the house other than new carpet and some paint. The adjuster Steve ** then showed us Bill's policy where Travelers had paid him 30 grand on the flood of '09 as Bill had told Travelers he was going to raise up the home. So the adjuster then said he was going to submit an estimate and that it should not take to long.

This adjuster then goes and says that we were submitting things that were in a previous claim, that we were still using items which had been flooded and I guess therefore was damaged and was not worthy of claiming! I asked for his supervisor and was given a number in which a guy by the name of Ross answered and he seemed as if he wanted to help saying that he knew nothing of the matter but would be happy to listen and see if he could help. After getting about half way through explaining what took place, I was telling him about a bedroom suit in which Steve ** had said was damaged by a previous flood and about how we had two of the same kind and then Ross made a remark about the bed and a certain feature which could be seen in a picture taken by Ross.

I knew at this point that Ross lied and that he had in fact already spoken to Steve or else he would not have known anything about the bed and what was seen in the picture. This bothers me simply because if he would lie about this then how can I trust him at all? Would you? After confronting him with this fact, he became very rude and sharp to come back with disrespectful comments like, "If you guys will try and get this off then how are you expecting to be believed!" I then asked for his supervisor and he told me he felt this was not an issue which required him to give me that information. I then got furious and told him he could not make that choice because I am the one who is not happy and I again demanded his supervisor's phone number and again he refused so I hung up and called Travelers main office.

After a lot of hoop jumping, I was finally given a customer service rep who claimed she was over the claims department. I must say it was one of the worst experiences I have ever, ever had to deal with! A person expects when they feel they have been wronged that help will come with contacting management but this lady said at first on the first day that she was so sorry and that she was going to take care of this, that travelers did not need receipts as Ross said since pictures was taken and that she was going to call Ross and have him get the estimate together so we can get it approved! She said, "We need to get you some money because now is when you need it most."

So after calling her back the next day, she completely flipped and said that we was going to need receipts for everything and that some things we claimed before and I then said we have never ever, ever claimed anything before because we have never had insurance before so you are wrong and then she said that the landlord Bill was turned down in '09 for a claim he filed in which she felt personally he was not the owner of the property in which he was trying to claim so not knowing she denied the claim. We never knew nor gave the landlord the right to claim any property we lost in the '09 flood and we made that clear to this lady but I guess she felt we were to blame for his trying to beat them out of money on a false claim! All I know is I nor anyone else in my family ever gave Bill the right to claim anything and that is even if he did! Travelers is judging us as liars because something our landlord done and we need help bad. This insurance company now says that all we are going to get is $753 and that is to clean our stuff! So we are supposed to clean sewer water out of our beds and furniture! We have an e-mailed list on save that Travelers sent which is directing us to clean our stuff and as it lists each item it gives a cleaning bill beside it.

We just can not believe this nightmare. Please help. We have been flooded and in the worst time ever, our insurance company has actually hurt us because of the time we put into getting the claim done cost us time we could have used on something else that could help! This is terrible and we need help! We at this point have not gotten a dime and it has been four weeks! As well as we got no clothes or any relief! We got insurance so we could recover quickly after a flood not to become homeless and broke with no clothes on our backs!

They continued to bill after I cancelled, then refused to refund the amounts charged. This is a horrible, horrible company!

I send to them a complaint about my car insurance for this year and I will attempt to explain the situation clearly. I put my car away for three months; October, November and December in 2009. They charged me $99.00 by month hits okay. I used my car for a month and put my car away again at the end of January 2010. But this time by month, they charged me $120.00 a month for supposedly fees to pay for the change of my policy. I accepted that fee, but not for all the months that are coming.

I completely disagree with this and I am very unhappy about the situation. I just want to mention to you that I will cancel my policy as soon as I am back in town because they don't care about their consumer. This is an abusive situation and all agents three all together didn't explain, or had no clue because the real reason for this is because there is no reason. The State of Florida is offering a reduction of the owner car insurance for the person from 60 and more. Do you know about this reduction of price for us in Florida? I don't know if you apply this policy from the state?

I was told that I need to pay the full amount of my car insurance policy within a two week notice. The amount was $679 and I just started working again after being out of work for 11 months layoff. The excuse by Travelers was that my bank returned the automatic withdrawal for payment. I called Travelers to let them know that I no longer had a bank account. Would they bill me direct? Well, I was never told that it takes 30 days to change this agreement and now they want their one-year car insurance policy paid in full. I'm going to be cancelled February 4th and I won't be able to go to my new job.

The job I started 3 weeks ago. Basically my insurance is going to make me homeless. I'm only asking for one additional week to pay and they won't budge. I'm financially behind because of being laid off from a job 11 months ago. I'm trying to catch up now and I've spoken to Travelers Insurance with and was ignored.

On Wednesday, December 9, 2009 a tree fell on our property and landed on our 5th Wheel Camper. Photos are attached. My husband and I were both at work when this happened. When my husband came home he saw the camper with the tree on it, and called Travelers, our insurance carrier. The 5th Wheel camper is listed separately on our automobile insurance with Travelers.

The Auto Appraiser came to our house early on Thursday, December 10, 2009. He told us to call a tree service to have the tree removed immediately to prevent further damage to the camper by the weather.

My husband called Upstate NY Tree Service. The tree service responded very quickly and arrived at our house with a bunch of equipment and started immediately on the work. They were onsite for less than an hour. The owner, Lonnie D., asked to come in the house to do the paperwork and then presented me with a bill for $4,222.80. He said that it was $1,550 per pick by the crane and that the tree took two picks, plus it was $800 for removal and disposal, plus tax.

After the tree removal my husband called Northside Collision regarding the pick up and repairs to the camper. He was told that Big Red Towing would pick it up right away and that the winter cover must be removed before it could be towed. I was home alone and worked for four hours in the wind and cold on an 8ft ladder removing frozen snow from the roof of the camper and manipulating the cover until I could get it off. When my husband got home from work he called Northside Collision because the camper had not been picked up. He was told the tow truck was in Pennsylvania and would not pick up our camper until the next morning. We were told to tarp the camper to prevent further damage by the weather. We did this in the wind and cold and again with a ladder.

My husband was told by the Travelers Auto Appraiser that we needed to contact Brian W. the claim handler with Travelers regarding the bill for the Tree Service. I called Brian Whittaker and left a message on his voicemail. Brian W. left a voicemail on my phone that I needed to contact Travelers and put in a claim on our home owners insurance. I did this. Big Red Towing picked up the camper on Friday morning of December 11, 2009.

We were contacted by Mary Ann the Homeowners Insurance appraiser with Travelers and told that the tree removal was not covered on our policy because the camper is not a structure and the tree was not blocking a handicap exit. I put in another call to Brian W. and again left a message on his voicemail. He never returned the call.

Monday, December 14, 2009 I called our Insurance Agent and spoke to Joan. Joan said that she didn't understand the problem and would see what she could find out. When Joan called back she said she was very sorry and did not necessarily agree with it, but she was told by Travelers that we are not covered for the tree removal. She also said not to give up yet because she would discuss this with her manager next week when she returns to the office and maybe she could explain it better.

We feel that we have had insurance coverage with Travelers for many years and that we have a legitimate claim and did all of the things we were told to do to protect the insured camper. We would have removed the tree ourselves if we had known there would be no coverage.

We would not have been able to remove it as soon, or as quickly as the tree service did. The camper would have definitely incurred more damage from the weather and very possibly from our attempts to remove the tree.

We also feel that the cost of the tree removal is exorbitant but we have no experience with this, to know for sure. The tree service did not give us any kind of estimate or even ask for a go ahead once they reached the property. They acted solely on a phone call from my husband. They had already started the tree removal before I was able to put my coat and shoes on and go outside. We were not asked if we wanted the tree removed from the property. We have several acres that we could have left the tree on or we could have used it for firewood. The tree probably was used for firewood by someone associated with the tree service.

Do we have recourse of any kind? We feel that we are being victimized by both the Insurance Company and the Tree Service. Is the Tree Service attempting Insurance Fraud by charging that amount? Is it fair and reasonable for an emergency visit? Is it fair and lawful that the Insurance Company is not covering the claim for the tree removal after telling us to have it removed immediately? $4,222.80 bill for tree removal services from Upstate NY Tree Service owned by Lonnie D., Fulton, NY Thank you for any advice you may be able to provide to us.

Three years after a traffic accident 12-6-2006 that is clearly the liability of the company (I was hit head on by a driver running a red light who fled the scene) they are dragging out settlement and refuse payment of my benefits for uninsured motorist/personal injury. They have put me through a nightmare of records collections, data, photos, exams, and now grueling depositions which are further aggravting my illness. I suffered back injury and aggravation to a large spinal cord lesion during the accident which has required two surgeries. I am now in pain 24/7 after two years post surgery. Corporate greed is the motivating factor behind this company - they will do anything to avoid paying out a claim without any consideration for the welfare of their customers.

What do you think? People work for free???

billng me for wrong price

Personal property in the amount of $14,000 was stolen from my home. As a policy holder, I followed all required steps based on my policy guidelines and still no resolution from Travelers Insurance. I filed my claim with Travelers on 8/13/09 and had to wait a week for an investigator Michelle Koss, due to her being on vacation. I gave a recorded statement on 8/27/09 and had to submit to a lengthy interview with an attorney under oath. Travelers is causing me great stress and missing time from work.

I have paid my premiums to Travelers Insurance on time and carry insurance to protect against loss. As of 10/8/09, there is no resolution to my claim. Travelers Insurance is more concerned with the used replacement property than the stolen property. In the 18 years that I've been a homeowner, I've only had one claim for a stolen motorcycle.

This is my second claim in 18 years and Travelers is insisting on continuing their investigation at the expense of the paying customer policy holder. Personal property was stolen from my insured home and no resolution from Travelers Insurance after 2 months of investigation. This is poor service and inadequate services from Travelers Insurance Company

I got rear ended in my car no insurance other driver - Auto Insurance Reported on 07/22/2009 - lexington kentucky. 12/21/08 I was sitting at a stop light waiting for the light to change. It was pouring down raining the car slide in the back of my car. It threw my car forward and backward along with whipping my neck with minimum damage to the car. I lived around the corner and went home instead of going to the hospital first mistake. The next morning I went to the doctor told whiplash sent home with muscle relaxers and pain pills. I called and reported it that night when I got home I started feeling bad.

Finally I was having such a hard time I got x-rays, and was told I had a disc in my cervical spine budging out. I was told after a MRI I had three discs budging. At this point Travelers was paying all the bills. I set aside the last $5000 for pain management and co pays. So they decided March 08 of last year to stop paying all bills saying not related to the car wreck. With this I had $20 co pays for Physical Therapy and had to cut this back being on a single income.

I had got a call from an agent about the pain and suffering clause on my auto policy. I had a $50,000 rider to cover pain and suffering. Well I had been in constant pain and now have a life long injury. I get a call one day at work from another agent she informed me they were going to give me a thousand dollars for my inconvenience. They didn't think this wreck could have done anything to me. Nothing about pain and suffering just my time wasted. Needless to say I flipped out at work got upset almost had to leave.

I have constant pain and now this from this agent. I wrote a letter stating I did not want to hear from this Adjuster again, I insisted she destroy my records release, and wanted nothing to do with her. I still get a letter in the mail from her. My records also were sent to three different states throughout this ordeal after I asked her to destroy my records and voided my signed release to Travelers. I though HIPPA what a waste of time to put a complaint on them for violating my privacy rights or records at this point.

Seems I had a degenerative disease in my neck never knew it. I was never treated even for a headache. So I had always thought preexisting was diagnosed and treated which I had no problems whatsoever with my neck till the whiplash. The other drive had no insurance so I didn't know about the rider on my policy till they called me or approached me by phone informing me of this. Up till this call I figured I was jerked.

Little did I know it was only going to get worst with consistent calls from Adjusters who was still on an Apprentice License and not trained with common sense? I realized after I calmed down that the way this Adjuster spoke to me like she was inexperienced with that I looked her up on the Department of Insurance found she was newly licensed. I asked for a new adjuster and her boss refused. I filled a complaint with the Kentucky Department of Insurance on Travelers that was useless.

Needless to say all these Attorneys on TV saying being there for you is a joke if the other party has no insurance. I called at least eight when I found out I had the damage in the neck none would give me the time of day. The other driver had no insurance and my car was not split in half result of the impact. I now sit in constant pain with my doctor writing in notes she had never treated me for anything related to the neck or degenerative disease for ten years prior to the wreck. Another doctor wrote my neck was irritated by the car wreck still they offered me $1000.

I still have not settled with Travelers and can not understand the concepts that you are required to carry auto insurance by law. Then when you are injured they call you wave a $50,000 rider in your face then slap you in the face and offer you $1000. They moved it up to $3800 recently I guess it is looking bad sitting on their books. I will never settle with them for any amount petty amount and will let it sit open on their books.

My Attorney's office of Cohenfeely has repeatedly sent letters and phone calls to Carrie out of the Pittsburg office to no avail.

I have ongoing medical needs. Injections on my neck and then surgery if I must. I no longer carry person health insurance as of the end of August31, 2009. I could not afford to also pay the 298.00 per month for Cymbalto 90mg., Gabapentin 300mg.3x per day and the cycle benzaprine of 10mg. x 3 per day. I went broke without being able to work explained by my Neurologist, Pain management doctor, family doctor, and Pain management Psycologist.

Currently I am needing very much a neuro phsyc test, a doctor to help me get better so I can go back to work. Until I can resolve my neck problem I will continue to have numbness and shooting pain in all my limbs, I can not walk far or stand long or sit long. I am in pain 24-7.
My lower back is so weak I cannot even lift anything of weight.
the stress I am enduring of the pysical and not being able to get well enough has been unbearable. I am now on welfare for food and some financial help. I can not pay my rent as of September1, 2009. I will be homeless shortly. I called for help and I would not be able to be reviewed for a year and then could be turned down. So, as bad as I would like to have a roof over my head I will be homeless. No medications to help me, either.
What is Travelers doing? Nothing.
It is irrisponsible that they will not respond to my attorney about the case.

They are not being a little responsible. My mental health due to brain injury and neck problems keep me from being able to work.

4. Travelers Insurance denied any request for lost-wages reimbursement eventhough it was dealing with Travelers Insurance that cost me the most amount of time.

Since around spring of 2009, I noticed that I had troulbe filling up gas into my pick-up truck's gas tank at each time I need to fill up the gas tank. I decided to take it to the auto repair shop. The diagnostic result had shown to be the bad gas tank. I allowed the service to fix it for $1021. After the repair was done, the service advisor called me to tell me it was done and also to tell me the technican found sugar cubes in the gas tank. He believe it was being vandalized. I have the evidence of sugar cubes. I contacted my insurance to claim for the damage. Per my auto insurance policy, I was to pay $500 deductible and have everything covered. After its appraising result, I got the check of only $104.88 instead of $521.88. I contacted the claim adjuster for an explanation. I was told that I should have called the insurance before the service. I explained him that I had no knowledge that it was being vandalized until after the service was done at the full amount I paid. The claim adjuster understands my situation, but he has to stick with its policy by having me call the insurance first and paying the salvage amound.

I have been waiting for approval for over a month and a half now for back surgery from Travelers and have called several times.They finally called me back today and she said "Hi what can I do for you?" and I said "I did not call you" and she said "Well you called my supervisor and she told me to call you" and I said "Well I have been waiting for a montha and a half now for approval for my back surgery and the WC Commission said your 20 day order was up on the 18th of this month for an answer" and she said"An answer was sent to the wc commission and you will get a copy" and I said"Well what is the answer?" and she said very rudely "What the answer always is Donna,the answer is NO" and I said "You are always rude to me when you call me that is why I asked to only speak to your supervisor and not you.I dont like the way you talk to me.You are rude" and hung up the phone.

I have had to fight with these people for the last 8 or so months for a back injury on 12-20-08.They made me see their quack doctor who kept telling me I had a sprain. For months I had to fight for a new doctor, an orthopedic doctor and it took me months after getting an order from the WC Commission.My new doctor,whom is amazing,finally figured out what was wrong with my back and said I need surgery to fix it.I am in constant pain and my legs are weak and I can barely walk.He said I have a bulguing disc,lumbar stenosis and damaged SI joints and I need my discs fused and a rod inserted in my spine.

Traveler's,who is my company's wc insurance carrier denied my surgery because they said they never bothered to get my previous medical records,which I released to them several months ago and have to go over all my medical records and according to them that is standard procedure.They now have said they denied my back surgery because they didnt get all me medical records yet.In the mean time I suffer in constant pain and have to use a walker to get around. I am only 38 years old and have a husband and family to take care of.I have been out of work on disability since February and am having a hard time living off of the little bit of money I do get.I also had my health insurance terminated by the company I work for because they said I have been out too long even though I have been paying my premiums all along.Its not fair that insurance companies get away with treating people this way and make people suffer in pain for this long.

I have never used their services, nor will I ever negotiate the bogus checks they send through the mail. I just want them to stop without my having to close out my debit account. $11.oo per month for over a year.

In July 2009, I was involved in an automobile wreck with a party who was insures with Traveler's Insurance. There was no doubt as to who was at fault. The party insured with Traveler's admitted to myself and to police he was basically trying to beat traffic and pulled across 4 lanes of traffic. That afternoon I contact Traveler's Insurance Company was given a claim #, an adjuster, rental car and everything seem to be going smoothly until they realized I had been driving a "classic car".

They sent an "outside appraiser" to look at my car and CCC Analysis. The CCC Analysis compares 3 other cars to mine. Two of these cars were found in newspaper ads and were sold prior to my accident so they NEVER laid eyes on the vehicles and the third car was at a SALVAGE CAR LOT that was also sold prior to my accident- I called the private owners and the Salvage Lot. So , I guess my question is hoe did they examine the three cars and compare it to mine? ANWER- THEY DID NOT!!! This company assumes that people are STUPID! When I got a copy of the analysis they were taking off "points" for very minute" things they felt devalued the car, i.e. there was a missing piece of plastic that covered the inside door strip. They took off "points" for a scratch on the mirror that occurred during the impact when my car was pushed into a metal sign post. These can be purchased 4/$25.00.The guy even told me that when he drove up he was hoping it was not a "true" type of the car.

As soon as he realized it was a "true classic" everything went downhill from there. The car's value ranges anywhere from $19,000 -$30,000. Mine is in the mid range. They first came back with an offer of $10,600 which was an insult. I told them NO WAY. I already had an appraisal on the car as well as over 50 comparable cars that were going anywhere from $18,000-$30,000. I spoke with the adjuster several times a day. Each time they kept hounding me to file it with my own insurance company. About a week later they came back with another offer of $12,400. Again I rejected their offer. They continued to harass me about filing with my insurance company.

Several times they kept threatening to take the rental car away which they finally did and I have yet to settle with them. Next they decided to have their own "in house" expert to value the car. This meant they were throwing out the CCC Analysis which I was told was done by an expert on classic cars. Inadvertently, I found out that their so -called "in house expert" is the supervisor of my adjuster and claims to know EVERYTHING about this particular car because he is bidding on them on EBAY! My wife had the pleasure of speaking with him and he was very rude and argumentative with her about the cost of this car. She proceeded to let him know that you do not know what you are getting when you purchase a car on EBAY unless you have it inspected before bidding.

A car can look beautiful and great in the pics, but does it run. My car was an original. I am not being unreasonable I just want a fair amount to replace a car that I had put nearly $14,000 into. Each time I spoke with them they came up with another issue they found that kept dropping the value of my car. This company does NOT care about helping people. As of August 11, 2009 over 2 weeks from the date of the accident I have yet settled with this company. I finally broke down and filed a claim with my own insurance company which I did with hesitation. I did not feel my insurance company should have to be involved since I was not the driver at fault.

If I were someone who was insured with Traveler's I would re-evaluate and go with another company. Who knows what they may do if you file a claim. I have dealt with several other insurance companies before, but never one that as ruthless and uncaring as Traveler's. They left me with NO WAY to get to work or my doctor's appointments. THINK TWICE BEFORE YOU INSURANCE WITH THEM! Total loss of car. REFUSAL TO PAY FAIR MARKET VALUE FOR A CLASSIC CAR. ONLY PROVIDE A RENTAL FOR @ WEEKS AND CLAIM HAD NOT BEEN RESOLVED

we had hail damage on our rv and filed a claim with travelers insurance co. they will not pay the claim this ins. companyis the bigest scammers there is . but my next step will be a lawer to sue them. this you can count on gary perigo pepole need to know what kind of scammers travelers ins is.

Ford fire in the garage on Feb. 23, 2009. Both water and fire damage to kitchen, the garage is a total loss. Extensive smoke damage throughout the house. The insurance company sent a check for $42,000 for damages. Our independent adjuster (Interclaim Worldwide) accesses damage at $120,000.00. The insurance company will not work with us and considers the claim settled. We lost use of my kitchen. Toxins remain in the home due to toxic insulation still in the attic. It ruined the carpet, furnace, kitchen cabinets and appliances. Hardwood floors damaged.

There's a low estimate on claim for hail damage to our house roof, and it has not paid the total amount estimated to do work. I had to pay additional money out of pocket, because I could not find contractors to do the work for Traveler's agent estimated amount. I lost confidence in the process. And repairs were not done because they wanted money up front.

I have had my tenant's policy with Travelers for 6 years. I have my auto insurance with Progressive. I had received a notice telling me that I could now get tenant's insurance with Progressive and I would save money by switching. I called Progressive and was transfered to the Homesite Agent.

Paula, CSR with Travelers, said that I could go online and "investigate" Homesite Indemnity Company. THANK GOD I DID!!!!! All kinds of complaints are there regarding issues that should have been resolved immediately - and they are still waiting.

Paula: Thank you, thank you, thank you for your suggestion. I more than likely would have switched to Homesite because of the savings. I'm staying with Travelers!!!! I know if I have a claim they'll REALLY take care of me.

I hold the power of attorney for my aunt who is 90 yrs old. Recently during a snow and ice storm the soffet under the bay window was torn away from the house. Realizing the house is old, we asked to have it looked at by insurance company. LONG story short, claim was denied due to age rot, (who would know that) till if fell off, and at present this 90 yr old woman pays 1400 per yr to her insurance co, never had a claim, only receives 940.00 monthly from SS. They assses replacement of her house at 490,000, YES thats correct for her wood framed victorian home. SHE has NEVER IN 40 yrs put in so much as a broken nail claim!

come on really, what are these elderly paying for if they can't get some form of help WHEN it is needed! would the insurance RATHER see it go to a condemned building in the future? what are insurance people doing 490,thousand! Let's just get the soffit fixed, we aren't looking to scam the insurance but if you figure what she has a paid in all these yrs, is this going to really affect them? fix the lady's house! Talk about THIEVES!

claim denied due to age/rot. how is a 90 yr old women going to know that!

I had a car accident in January 8, 2009. The car was behind me tried to by pass then turned around and hit the corner of the driver side on my car. She tried to run then I horned a lot to stop her. She then stop and said SORRY. After that we exchanged the information.

I then reported to my car insurance and T. Carr was my claim holder. I've called her many times and left my messages, she never have called me back or responded my call. What a such person and business, only want to get the monthly pay check and don't want to get involve when we need it most. Why should I buy the car insurance for?

I am waiting for the deductible to bring my car to fix.

i plugged in the quote and then i called and said id like to purchease the policy, ok so far. then they ask me for cc info etc... at the very end they let me know that the quote was not accurate but now its more money, and i mentioned to them that i could go with another company for that price, they shouls n ot of waited till end to let me know of price change and i was never informed why the quote i got was not good.

when I first started this policy six months ago travelers knew about the driver records and accidents because the agent called me and we talked all of the details and approx dates. that was in june6 2008 the policy amount was 1,024.00 when the next renewal came the premium went up to 1,387.00. I call and asked why and was told that it was because of the accidents during this time there were no other tickets or accidents.they said it was a pricing figure and not a point figure.

We bought a Homeowner's Insurance Policy in July, 2005, for a one-year term. We received a cancellation notice on September 4, 2008. The reason given for cancellation is our dwelling's closeness to the coast. The insurance underwriter had all pertinent information, including our address, before the policy was issued. We have never made a homeowner's claim.

A lot of wasted time. We cancelled our insurance through American Security. I don't know that we will be able to get another policy without paying significantly more, or with comparable coverage. Our mortgage company requires insurance and the premium was paid in full through our escrow account.

I was made a payment on line. Somehow the payment came out three times. This caused my checking account to be chargerd $68.00 because I did not have money to cover it. I faxed all the paper work on 7/30/08. They never received it. I again faxed it on 8/2/08 and 8/20/08.

i called on 8/22/08. The manager Chelsea Perkins told me to fax again. Then she told me she found the oringinal fax from the begining of the month.

After all this work I was told to call back as soon as possible because they would be to busy on Monday to help me. i was then told when I called I was not getting a refund of $68.

I am struggling financially. This company's web site automatically took money out of my account three times resulting in a negative balance. I have been a customer of this company for eight years. i never had and online billing problem. The fact I got the run around from this company infuriates me. Then to tell me they will not pay for the mistake is worse.

My complaint is that I am being penalized for what you're saying is someone else's error which is not fair and just to me and my auto claim. I will await your reply before filing a complaint with the Texas Department of Insurance. I am totally dissatisfied in the treatment thus far of my claim by Travelers. In all my years of driving and dealing with past auto accidents I have NEVER been treated as bad as I have been treated by Travelers and will take the necessary steps legally to protect my interests.

Since submitting this complaint letter to them they have since agreed to reimburse me for my rental car fees during the time in which my car was in the shop. Now the latest is that due to the fact that I have been in treatment since my accident of May 10, 2008 for whiplash they decided to send me to THEIR doctor, an Orthopedic Specialist to evaluate my injury (met with him for all of about 5 min.), mind you he never even took x-rays of me and he concluded that I should not have required more than 9 treatments to the Chiropractor for the injury in which I sustained, I've had two auto accidents in the past where I had whiplash and it took at least 2-4 months if not longer for treatment of this and my Chiropractor informed me from the very beginning that it would take at least 6-8 weeks of treatment until I was well again.

Needless to say the latest complaint I have is that they are now refusing to pay for my medical fees (anything above the 9 treatments that their doctor recommended) my adjuster then proceeds to ask me can't you file it against your medical insurance as if it's not their problem--what the heck do I pay for auto insurance for? In addition to all of that I paid additional fees every month on my policy for PIP, personal injury protection of $2,500/per person in case of an accident which is money that I should be entitled to immediately if I do indeed sustain injuries from an auto accident which they have refused to send me this money and are claiming that they will deduct my medical expenses from this money until it is exhausted.

When I was previously insured with Allstate and had an auto accident in the past they mailed me a check for me as well as my niece in the amount of $1,500 for each of us for the personal injury protection (we were both involved in the auto accident and were riding in my car together) as well as they paid out all of my medical expenses and I received a settlement at the end of the entire deal.

My experience with Travelers so far has been extremely stressful, frustrating, etc. and has been nothing but a huge headache every since I started my claim process but yet they claim on their website "At Travelers we understand that when you purchase insurance, you are purchasing a promise that we will be there for you when you need us most"

I would not by choice be spending extra time and money in toll road fees to get to my chiropractor 2-3 times a week for the past 3 months if I wasn't having severe headaches and pain from this injury. I am currently divorced trying to support my daughter while not having received child support from her father since April. My gas money is extremely tight at the moment and I definately would not be wasting it frivolously if the need was not legitimate.

A gentlemen phoned and informed me that he could give me a better rating on my home owner insurance than the company I was using. He was from Travelers, he quoted me a price and it was cheaper and I asked if the insurance had total coverage as my present insurance, and he insured me that it did.

I recently found out differently this May 13th when I had a flood in my basement because my electricity went out for hours and my sump pump was unable to work. I phoned travelers, they informed me that I had a $1,000.00 deductible, I was shocked, then they had me call all of these cleaning companys to extract the water from my home and even adviced me to go and have the carpets removed due to the odor and mildew.

I waited on an adjuster for 2 weeks to contact me, when he did he told me that I did not have a backup sump pump insurance so they could not pay for my loss. I have paid $1,400.00 out of pocket, and owe the contractor another $3,000.00 of which I don't have. The adjuster MJ said to me maybe you can make payment arrangements with the contractor. I told him if the agent had made all necessary arrangments to make sure that I had the exact insurance coverage as I did with my last insurance company, I wouldn't be worrying about this.

I pay insurance am broke and am living in a mildew wet dirty unliveable environment. Guess what they don't care. They told me that my area was considered a disaster, but who gets paid? I need help to have my beautiful home restored to its original state, and I don't know how I'm going to do it.

Water damage, in three rooms, mold, mildew and damaged furniture and floors. My home is ruined.

I just rented a car from Budget and accepted their offer of gas coupons, etc for joining. Was shocked to get membership kit to see it was run by Travelers Advantage, part of Trilegiant Corp.in Trumbull,Conn. Had problem before trying to get them to cancel membership. Had to put stop payment with CITI and get new credit card. Any complaint to Budget bonus dept. is automatically transferred to TA.Budget Avis is obviously a front for TA and receives cut of membership fee.

None yet. Unless my cancellation request is not honored this time.

The sneaky package deals from travelers advantage siphoned money from my bank account 10 dollars a month for the past couple of years without me knowing. they will reimburse the last few months but not the rest.... first google result on keyword travelers advantage is rip-off they should be shut down immediatley

they are costing thousands time & money by siphoning off minute amounts of money... there are cases of them still withdrawing from accaounts even after calls to cancel please dont call me....but im sure youve received email from others with the same complaint.... sneaky package deals from travelers advantage siphoned money from my bank account 10 dollars a month for the past couple of years without me knowing. they will reimburse the last few months but not the rest.... first google result on keyword travelers advantage is rip-off they should be shut down immediatley

On the 17 of November 2007 my vehicle was vandalized and quite a few items was stolen which include the following (1) lap top ( 1) leather jacket (1) digital camera (6) driving caps (1) leather pouch with $300.00 cash about 30 to 40 Cds (1) gps system .I did filed a report with HPD and was given a case number .On november 18 i filed a claim with my property insurance (the travelers)and so far they has refused to honor my claim .Would you be so kind enoug to look into this matter for me please thanks so much

My wife and I filed a claim for hail damage on our roof. We got estimates from 3 different roofing companies and all agreed the roof needed to be replaced. The claim adjuster set up an appointment with my wife but he decided to show up a day early with out contacting me or my wife. He left a message stating he did not see any damages just nails that needed to be hammered down. I called the adjuster to inform him I did not agreed with his assessment and I wanted him to show me with the roofer to reassess my roof. The adjuster and the roofer set appointment time but the claim adjuster tried to come a couple hours ahead of the scheduled time. The roofer showed the adjuster all the hail damage, marked the spots and lifted the roof shingles where there was damage to my roof and boards on my roof. The adjuster said he did not agree with the roofer and felt that the roof needed minor repairs. First time he inspected the roof he did not see any damage. Now it need minor repairs. After I rejected his offer to patch up my roof. I informed him I would have to get some legal advice about the matter.

I have suffered physical damage and loss time from work trying to get this matter resolved. Please have someone to contact me for some legal advice.

I enrolled with Travelers Advantage for one year. I had to call twice to ensure that the renewal membership was cancelled. Recently, they billed my credit card for one year membership without my consent or knowledge, but I saw it on my next statement. When I called on November 28th, they would only agree to refund part of the amount charged and I would have to wait two weeks.

Eric Flemming is the agent from Travelers that I've been dealing with. He's trying to make me take less than my car is worth. The Kelly Blue Book value was $2,985 and the NADA value was $3,150. Travelers Insurance is offering me $2,300.

Payments on my policy were maintained and paid by JP Morgan Chase automatic bill payer.

One day I get a check for my premium back in the mail and a letter saying my policy had been cancelled. I never received notice of cancellation, nor refund of paid premiums (if they keep the premiums and cancel before you need it, it is obviously a windfall to them and a loss to you). I called the gentlemen and indicated that if an accounting showed they missed an automatic payment then it would be paid.

Nope they said, cancelled. I think any company worth its salt would reinstate based on a tender of premium particulalrly where payments were made automatically. Here, no notice of cancellation with a chance to cure was ever received, no notice to the required third party (to prevent this from happening) was received, and yet the company refuses to reinstate. This is an unfair windfall - they have been taking my premiums for ten years, and now give me the international sign of friendship? My understanding is if they cancel before a pyment is made, they need to return ALL your premiums plus interest. This also seems to be a fraud on the consumer. HELP!