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The Hartford canceled my HO policy for a 5/18/18 water damage claim. Notice was dated 8/23/18, which was not sent by either snail mail hard copy or by email. Learned of it by happenstance 9/01/18 when I received email notification that my auto policy premium was due, logged into my online account and only then saw the Cancellation Notice of the HO policy stating coverage ends 10/02/18. SHABBY AND UNDERHANDED! STAY AWAY!
I have my home and 2 cars insured by The Hartford for 4 years now. Perfect payments made on time and no claims. Now, all of a sudden I get a surprise visit by an inspector, no biggie -whatever. 2 weeks later they say the cost to rebuild my house has gone from 600,000 to a million. They are going to raise my rates and if I don't install a fire / burglar alarm with monitoring within 10 days, they will cancel my insurance. Well, the cost of the system initially to install will be around $4000 since I have many windows, and the monitor fee would be around $75 per month. I live in a gated community and never lock my door, with a sprinkler and fire detection system already installed. I called State Farm for a quote and they said the million dollar rebuild was not correct. I'm switching to State Farm on Monday. The Hartford is a predatory company that takes advantage and tries to intimidate their AARP customers. They are bullies.
If you don't have a claim, this is the best insurance company in the world. They sweet talk you and tell you how great you are. Don't believe a word of it. After more than 20 years with Hartford, thru AARP, my wife and I have never been so humiliated nor mistreated and abused than by the reps of this company. They lie and cheat in order to mitigate their liability. After discovering mold in our wall, we put in a claim. They sent a rep quickly but we didn't hear anything for several weeks but then on a Friday evening at about 4PM, Hartford called and told us that we need to vacate our home, grab a few things and go to the Marriott Hotel in Woodland Hills.
We were stuck in this hotel for 5 weeks, then moved to an apartment for a total of 5 months with nothing but the clothing on our backs. They consistently did not return phone calls or emails. When they did, they were rude and impersonal treating us as if we were the enemy. They ended up paying us far less than the damages we incurred. We had to pay out of pocket expenses exceeding $20,000. If that isn't bad enough, they tripled our renewal rates and increased our deductible. How AARP can keep referring people to these monsters is beyond reason. They should all be ashamed of themselves.
We had a puff back in the home last April and Hartford was fantastic. We were put in the Marriott Residence for approximately 5 wks. Hartford was so accommodating & went above and beyond for our family. They replaced all the carpets in 5 rooms plus hallway, had house painted inside & gave us reimbursement for curtains and draperies. I am sooo happy with Hartford.
We moved our policies to Hartford through AARP since we are retired seniors. Our neighborhood was recently hit with a hail storm and many homes suffered damages. A claims adjuster reviewed our damages with our contractor. The claims adjuster called and immediately on the phone stated we had no damage. He gave us piecemeal repairs recommendations. Since adjuster and contractor disagreed, the adjuster contacted Donan Engineering for another inspection. Gee not unbiased or objective at all! Huh!? Surprise! They agreed and we were given 2500 to cover our repairs! What does that fix!? And our neighbors who use Allstate, Farmers and others are all getting new roofs, gutters, siding, etc. Way to give great customer service to insured seniors Hartford! Moving our policies ASAP! DON'T USE HARTFORD.
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I thought I was getting a good deal for packaging then found that even with the bundle I was paying almost $700 more on auto insurance even with bundle and no tickets or accidents than what I was quoted by MetLife. I changed auto and my homeowners went up $700. Wow...coincidence?
HOLD IT: if you are have insurance with Hartford or thinking about getting insurance, check it out. We have had insurance with them for years. After reviewing their rates with another local famous insurance co we find they have been ripping us off for tons of premiums. Would you believe almost twice the amount of what another co are charging for the exact same coverage, I called them and the guy on the other end says that the way it is, well that's not the way it is, we are canceling May 1st and saving enough to eat out for a year. Good luck No-hart Ford go broke ins. So now I'm checking the auto insurance.
Last month on the 28th of February, me and my elderly neighbor were victims to a gas fire in our complex. Now almost 1 month later and her insurance company has been giving her the runaround. Her and her son did all the leg work, itemized every item just for a adjuster representing the company to harass and disrespect her. Not only did she have to stay on the other side of town for a few days with her son, she also had to buy new clothes and food out of her own pocket. The company didn’t offer lodging funds nor refunds on the money she had to shell out. The fire was above her and it was gasoline, so nothing could be saved yet the woman came out and didn’t even offer help to accommodate her.
She is on a fixed income and with her being my best friend it’s been hard watching her stressing and sad over the experience and with her having insurance, it should’ve been a weight off her shoulders, but it’s been a hard road for her. If that woman is a reflection on the company, then I advise everyone NOT to even bother with Hartford. I will tell anyone who will listen the hell my best friend has had to endure sacrificing to make sure her insurance was paid every month just to be left high and dry. I’m praying my neighbor doesn’t get sick due to this stress and anguish. It was bad enough seeing her and us consoling each other through the fire and moving, but now it’s time for her to get the respect and justice she deserves.
Smoke damage to Marion Swanson apartment - On February 28 my mother's neighbor set her apartment on fire using gasoline, that's the apartment right above my mom's. These apartment are over 60 years old lead paint and asbestos. So you get an idea of what type of toxic smoke damage we are talking about. The Hartford kept telling my mom they go far and beyond which is a total lie. The agent has not reimbursed for receipts over a month ago turned in. Also had emailed and had my mother itemized all her belongings which was 20 Pages 200 items and a smoked no electricity apartment. Her agent has been very argumentative unprofessional and uncooperative. My mother on SSI was unable to get a hotel at the time of the accident due to financial situation. The agent said they would only be able to reimburse her. She is on a fixed income and since it was the first all bills were paid.
Thank Jesus that the apartment she lived in was able to get her into a vacant apartment 4 days later with not so much as a toothbrush to her name. I was able to purchase a bed, a couch and Essentials to start this journey of recovery no thanks to the Hartford. Today is March 26th and The Hartford has been one of the worst experience my 70 year old mother has to deal with. The Hartford agent dealing with my mom's claim is very discouraging. I can only hope if you read this that you pick any other insurance company than The Hartford. I would give them zero Stars. They don't even deserve one star for they are not. Their service during this time of crisis has been less than satisfying. I will be telling everyone that I see, that I blog, that I talk to about their poor, poor, poor performance and accountability during this time.
Had a Homeowners Policy with the Hartford Insurance CO. I had a recent Lightning Strike of My AC unit. I am a Senior with Medical Problems (COPD). I need my AC to breath easily. I attempted to contact my Insurance Co. THE HARTFORD to file a claim to fix this, almost a MONTH ago. I have had several estimates and need this fixed quickly. My contractor took pictures and thoroughly documented the strike. Others in the area had similar things happen to them. I have properly maintained my unit and it was running properly at the time of the strike. After almost a month of Jerking me around, I was denied my claim. I was told by the representative that the unit was is too old to fix. Even though I have maintained this unit properly and it was running well prior to the strike. They (The Hartford) even went further to spend money to deny my claim by sending out their own contractor to say that this was not caused by the lightning strike. This is false.
The tree near the unit was hit and a nearby outlet was charred. Other household appliances were affected by this. Upon request, They did not send claims forms in a timely manner and have yet to send paperwork documenting their decision to deny my claim. To date, I am still waiting. I have had insurance for over 30 years with this company and never dreamed this would not be covered. Customer service has been poor at best! They have no problems collecting my large dual policy premiums! They are recommended by AARP so I trusted this company to do right by this military Senior Citizen. I was wrong.
I hope to let any and every possible person I know about my poor dealings with THE HARTFORD. I would not recommend them to anyone. If you are planning on shopping for Insurance, Please be sure to investigate this Company further before using them. You will see what I did too late. It seems that Customer Satisfaction is NOT a priority with this company. It seems that denying your claim is. Do your research before using them. Disappointed in Harford County, MD.
On July 9th 2017 filed a claim with the Hartford. They gave me a claim number then I was told that they could not get an adjuster out to look at my roof until the 31st of July. When he did come it was a joke for what he did and the report that he wrote. I had Hartford for over 20 years and their service is the very worst. They do not care about the customer. All they want is for you to pay your premium and do not call us for a claim. I am going to the State Insurance Exam. In Mt. And tell them they need to investigate them and have them banned from selling Insurance in the State of Mt. If you are considering insurance please do no use The Hartford.
I got 3 insurance policies via AARP with The Hartford: Home, Business and Auto. Never made a claim on any! But when a fire was caused by hired HVAC workers (who accept full responsibility), on 5/2, The Hartford wrote me letters of non renewal for business and home on 6/25, effective 8/8/17. I've exhausted EVERY possibility to find homeowner’s insurance, but CANNOT be covered because The Hartford is leaving me with an OPEN CLAIM and repairs in progress. Unfathomable.
My credit card was changed several months ago which led to Hartford to cancel my insurance. That is understandable and I realize that there was my fault in it, however the amount of communication that Hartford did to address such an important issue was fascinating: I did look through my correspondence and it appeared that they sent only ONE EMAIL (which landed in the spam folder). There were NO CALLS and I received NO REGULAR MAIL. So it turned out that I was living without insurance for several months without even knowing about it. Fortunately, my bank contacted me about the matter and I didn't learn about it the hard way. If you want to suddenly find out that your insurance is gone - go Hartford.
I am considering this issue resolved. I did receive a phone call from an associate regarding this issue and I became scared of dealing with this due to this person stated the package sent was not from them and could be a "phishing scam." I never deal with these 3rd party packages anyway.
Hartford Financial Services, Inc., 1750 E Golf Rd. Ste 140, Schaumburg, IL 60173: This company has continued to send a package, which I never asked for, via UPS and then switched over for delivery by my postmaster. My postmaster delivered my package to another address since it never arrived at my home even though its status was delivered. The post office is checking into this, but states it is 3rd class mail that does not need to be signed for and they do not know who sent the package. I called my mortgage company who says they are not affiliated with the Hartford Financial Service, Inc, in IL and gave me their phone number.
I found the website associated with this phone number and attempted to contact the sender via email, which was listed as "not secure" and did not work. I called a couple times using the phone number given to me by my mortgage company, which is affiliated with the Hartford Financial Services website, and I left a couple messages concerning my package not being delivered to my residence, concerned about my information therefore being compromised, and stated that I never requested to be on their mailing list. I am not interested in dealing with this financial group. I would appreciate help in finding out who has my package and I want help stopping the delivery of these unwanted packages as I have never heard of this financial group and do not want to deal with them.
The generally understood concept of insurance is that the insurance company assumes your exposure to financial loss for the price of a premium, which it collects from all insurers, pools, and then disburses to those suffering losses. But it doesn’t work that way for the smaller losses that happen with higher frequency, as in my case where the Hartford essentially gave me a $950 dollar loan at a three year interest rate of 24.5%. My metal garage door was crushed overnight to the point of not opening by probably the paper person (no note, soft confession). Claims people were very helpful - no worry man. What they failed to disclose was that this one $950 (after $250 deductible) claim would increase my annual premium by $550 a year for at least the next 3 years! This is after 30 claim free years with the Hartford and having a very high credit rating.
The bottom line is that it’s foolish to pay premium rates for a HO policy with anything less that a $2000 deductible. Submitting a claim for that amount just results in an annual premium increase that returns the claim amount (or more) to the Hartford over a three year period. Rather than submitting a claim, a personal loan for three years would cost much less than 24.5%!
I called The Hartford to get an update on an account. They said all lines were busy but they could call me back in 20 minutes if I told them my number. I did this. Someone calls back in 20 minutes, then she got my account information, then they hung up on me with no explanation. Terrible terrible service. This is a terrible insurance company with terrible service. I wonder what happens when you try and file a claim!!
I want to thank Hartford Insurance for their prompt service they gave us after damage to our home from a windy storm. Called 1st thing the morning it happened, a very nice American Woman started the procedure to get my needs accompanied. Within a couple hours an adjuster called and a couple more hours there was a gentleman knocking at my door to do the review of my damage. Within the hour he gave us the estimate and said our money would be in the bank in 48 hours. Thank you HARTFORD.
In short, the Hartford tried to pay about 10% of the claim, making us fight for every penny. They had sent out 5 investigators/adjusters, used stall, starve out and other unethical tactics to pay what they owe. They have a script and go by it well to minimize the amount they pay out. In addition, there is no incentive for this, or any insurance company to pay what they actually owe.
Most people take what they are given, but when you sue, the Hartford puts you through the ringer takes advantage and makes you fight for every penny hoping you will quit. Then, after you go through the year or so filing a suit, you still will most likely end up with a settlement that is less than your claim. My suggestion is to ask for punitive and or trouble damages when suing this unethical company. Also report them to your state insurance board. I am currently suing them.
We had an issue with a leak behind a wall in 2014. The entire wall was taken down and replaced, down to the wiring and hoses to the fridge. We had no issues with the claim then, they were pretty decent. Then, we found out the mold had regrown and were told it could be attached to the first claim and then I would only have the remainder of the $5000 limit or if they decided it was new then we would have the entire $5000 less the deductible. Well, when they saw the damage wasn't as extensive they decided it would be best to make it a new claim so they can charge off the deductible again and give me $91 even though there is no current leak and SERVPRO called it "dry mold". I have called, emailed, called, emailed asking for an explanation as to how they decided to say it was a "new instance". Why no reply? I would guess because the only reason they had for making it a new claim was to not pay me.
They also raised my premium to almost double this year and never notified me. Suddenly I had $32 added to my mortgage which turned out to be the amount of the increase. I was willing to go along with it but now they don't want to pay me. They have got to go. And I am planning on writing to AARP because it is sullying their good name.
I submitted a homeowner's claim to the Hartford on 6/10/16. Today is 10/2/16 and I just received an estimate last week, almost 4 months since the start of the claim but not yet in writing, a task that would take about another 10 days. A leak was discovered right outside of our Master Bedroom and Bath due to a faulty sprinkler head. Apparently, the mold that grew was because of the leak. The adjuster for this claim was changed 3 times, from one adjuster to another and another.
On a Friday evening at 5 PM we received a call from the 1st Hartford adjuster telling us to grab some clothing and get out of the house. No explanation, just "get out". Thus began a 4 month escapade like none we've ever experienced before. We lived at the Woodland Hills Hilton for 4 weeks, my wife who is undergoing chemo treatments for her 6th recurrence of Ovarian Cancer and me in the same room. Very inconvenient living in one room when one of the residents is so sick. It makes for a living hell. I informed the Hartford of the inconvenience but they were completely unmoved. It seemed to us, to mean, "don't ask questions, just stay where we put you and we'll do what we need to do at our speed and convenience. Your problems are your problems and don't bother us with them. Your claim will be handled as we see fit".
After 4 weeks at the Hilton, they put us in a very nice apartment for the remainder of the time. After waiting 4 months to find out what we needed to do and how much it would cost us, they left us 3 weeks to mitigate the damage. I am 78 years old and am no match for the young trained adjusters that raked us over the coals. They ignored most of my phone calls and most of my emails. Trying to get information about the claim and the progress being made with the claim were next to sheer folly. Emails and phone calls were ignored on multiple occasions. We felt entirely alone with no support and felt completely abandoned by the Hartford... We just wanted to go back home, nothing more. The cost for the repair of the damage came to almost $35,000. The payment from Hartford was for a little less than $15,000. All the rest came out of our pockets.
When I called them after realizing that 3 weeks wasn't enough time to get all this work done, they told us that was our problem. We asked for 10 more days at the apartment before the house would be ready to be occupied and they just said "No". No amount of pleading could change their mind. They claimed that the repair would take 2 weeks, leaving us one week to move back home. The rudeness and disrespect shown by the adjusters was a shock. I have never done business with a customer service department that ignored phone calls and emails as regularly as the Hartford. Their behavior was despicable as was their attitudes.
I have been a Hartford policy holder, both Homeowner's and Automobile, for more than 25 years. If you learn anything from this review it should be, do not trust the Hartford to have your back because when the chips are down, they don't have your "back". The only backs they are interested in covering are their own. They let you sway in the wind while they're smiling for ripping off another Senior Citizen. In addition, the phone call that caused us to leave the house on a Friday evening with no warning, we were told that we would be paid $80 per day for food. Of course, they denied telling me that was so. When they called to tell us to get out, I put the phone on speaker and those people present in my home heard those words as well.
I am so disappointed with their lack of urgency to get this problem mitigated that I would like to take the ** to court. If I had the energy and/or if my wife wasn't so sick, the ending of this story would be different but for the reasons stated above, we just don't have the resources nor the strength to pursue a law suit.
I had the Hartford Homeowner Insurance for 5 years. I had one claim for water damage resulting from a broken shower faucet. Hartford increase my premium from $1,450. to $2,500. AND did not notify me of the increase. I became aware of the HIGH increase when my mortgage company notified me that my monthly mortgage payment was being increase to cover the shortage in my escrow account. I called the Hartford thinking there must be an error and was told by all three levels of management "Yep, that's the way it is!" I shopped around and found the SAME coverage with Travelers Insurance for $1,030 a year!!! I called Hartford, cancelled my policy and THANKED them for motivating me to find the SAME coverage for LESS than what I was paying Hartford BEFORE the massive Insurance premium increase!!!
Home fire Dec 2015. Home to date, August 2016 - ZERO resolution. Consistently, the rudest, most dismissive customer service ever experienced. No matter how good your records are and what proof you have... you the customer, are not who Hartford is concerned with helping. Full replacement value on my home. In brief, from loss to July 1, we sat in our damaged home, in unhealthy conditions (finally determined by an environmental hygienist in August 2016 at my insistence to have home evaluated) unable to use heat or a/c from date of loss until I called and insisted they find & provide us housing elsewhere. IT WAS NEVER OFFERED until I mentioned retaining an atty.
Our claims person flat out lied and fabricated a start date for our rebuild without ever contacting our chosen contractor to advise he won bid so he booked other jobs subsequently pushing our rebuild out an additional 6 weeks. This caused us to exhaust our $33,000 housing allowance before work has even started!!! That's the brief description of part of the disaster. The point being that even when their own employees lie and cause the paying customer to lose housing... they take zero ownership, admit zero fault!!! We are now living in our filthy, smoke damaged home in the middle of summer (high 90s to low 100s) with no a/c. My mother has severe asthma and our other family member had to undergo a partial foot amputation during this fiasco and is now living in the home post surgery, within an environment potentially loaded with debris and unhealthful particles from the fire many months ago.
Hartford never sent any service to clean our home, our air ducts, or to make certain environment was safe for us. They did an asbestos test... that was it!!! We still sit in our hope awaiting resolution which at this point looks like a legal turn for us. DO NOT insure your home through The Hartford. The only thing consistent with this company is that they train their people to keep the client in the corner by being rude, dismissive, and pushy. They are trained to steam roll their customers and they do so with surgical precision. There are other big issues to note but those are being considered legally so I am not mentioning. One star rating only because that is the least you can give. They deserve ZERO.
I wish I did not have to give the Hartford a star at all. We recently moved to Rosharon Texas for a job that my husband took on. We were forced into taking a Craigslist.org house because the business was too lazy to help us find a much better home. They needed him to start ASAP so they helped dump the Uhaul so we could return that the same day we got the house. Anyway, the house was totally redone on the inside so there was no real concern that there was a problem.
Well we were sorely wrong about that, my husband became sick about a month of living in this home. Then our animals started getting ill, and then I became ill as well. Never mind the business my husband went to work for decided that they would not help us after we found out what the problem was. We had a large amount of black mold growing everywhere in this home. It was under the beautiful remodel. So since his business would not help we turned to our insurance company... you know the one we had been paying premiums for. And best of all they had a clause in the policy to cover mold!!! YAY right? No we had to find a broken pipe in a wall that had been remodeled?
They had a leak company to come find the leak with their equipment... yay. They spend their time sitting outside holding a chicken and playing with a hose. Now here is some brilliance!!! While the adjuster is sitting in an air conditioned office in Arizona he has sent in people who could not find their way out of a wet paper bag! So I listen to this adjuster twice and I stayed calm and after these guys were at the house I let him know what a complete moron he is. We begged this guy to find a way to help us because he had a clause that would help cover our loss right? No they couldn't find a broken pipe in a house that had been totally remodeled inside. The mold was being created by the environment. We were living in hot and wet.
My husband and I actually had lived closer to the water and never had mold before. We lived in the canals on the water and we never had mold so what the heck where did this come from. We figure it had to be pre-existing and was probably there way before we ever were. We found out after we ended up abandoning everything we owned, became homeless, and ended up literally losing everything, that the Hartford does not like paying out claims. AARP is certainly backing the wrong horse.
My husband started reading all of the feedback and it is clear that the company loves our payments every month but should anything happen they will not pay off. They won't (by the ads I have seen) kick you off the insurance due to having an accident but they don't pay off either. So why bother having that kind of insurance. We got the final bill for our renter's insurance, are you freaking serious? They want the money but they don't want to help us out? Whatever!!! DO NOT BUY HARTFORD INSURANCE. It is a total waste of time and it isn't that cheap.
I found their auto rates to be competitive, but they slammed me on home rates in my combined policy. Started out great, but... I would like to know how any insurance company can justify increasing rates on a homeowner's policy by 20% four years in a row. I have filed no claims, or had any losses. In 2013 I paid $654.00. In 2014 I paid $780.00. In 2015 I paid $855.00. And now in 2016 they raised it to 1,104.00. So, it was goodbye to The Hartford. I'd had enough.
I'm getting total ripped off. My premiums have more than double in a 2-year span. With no claims filed!!! Went from 649.00 year 2014/2015 then jumped in year 2015/2016 to 10,033.00. Now jumping from year 2016/2017 to 1,289.65. This is highway robbery! Who is padding their pockets!!! Premiums should never double in a 2-year span with no claims! I will get to the bottom of this. I called my local brand DCI and explained my issue. She said she would call me back. I waited 4 hours and called her back. She promised she would get back to me before the end of the business day. Surprise. She did not. BEWARE. I will not be ripped off.
This company is a scam. I have 92 year old lady stays with me - bathroom floor is gone mushroom growing. Have filed 3 different time and still no help. This is a company stealing money from people who think this a legitimate business. Since you don't help with claims give me my ** money back.
This company is just downright heartless. My father recently passed and his accounts frozen and a payment was missed so the policy was cancelled (It was on auto pay). We called to notify them of his passing and found this out. They refused to reinstate the policy and said she must wait 1 year before she is reconsidered. They have never been late on a payment and how cruel is it to treat a person this way when they are grieving a loss.
We are very happy with our homeowners insurance company. They help us, whether it be a claim, a question on a bill. Or just making sure we have the right coverage for our needs. We have had a couple of claims, and they were so helpful, from beginning to end. We were really distraught one year, we had water in our basement, over a foot high... We lost a lot of personal effects, carpeting, we thought was ruined. The contractor they contacted worked so quickly, they were able to save it. Over the years, we did try to stay with one company, but they did not consider us as loyal. So we dropped them... The Hartford has been there for us, all the way. And has never threatened to drop us.
When I switched to Hartford I got a big drop in cost from my previous company. I think it is worth looking around for a better price. I was able to switch and save $400 the first year alone.
I am very pleased with my homeowners policy that I have through the Hartford, I would not hesitate to recommend them to anyone. They are very helpful when they are needed.
The Hartford expert review by Matthew Brodsky
The Hartford is a Fortune 500 insurance and investments company originally founded in 1810. The company provides several types of insurance, including auto insurance and homeowners insurance.
Tons of options: The Hartford clearly outlines their options for home insurance coverage. These coverage options include things such as the dwelling, other structures, personal property, loss of use, liability and medical payments.
Affordability: This insurance company offers ways to make a homeowners insurance policy more affordable. These include auto and home insurance bundles, retiree credits, fire/burglary system credits and policy renewal credits.
Legacy: The Hartford is one of the United States’ oldest insurance companies, originally founded in 1810.
Customer service: As a big, multidepartmental company, the fear would be that The Hartford’s customer service process would be slow and bureaucratic.
Insurance: The Hartford does offer homeowners insurance policies, but it is focused on other coverages as well, such as auto insurance and commercial insurance.
Best for: Traditional homeowners, condo owners
The Hartford - Homeowners Company Information
- Company Name:
- The Hartford
- Year Founded:
- One Hartford Plaza
- Postal Code:
- United States
- (860) 547-5000