The Hartford - Homeowners Reviews

I found out that I was being charged premiums for an all brick house with 3 baths... I have a 95% aluminum house with two small sections of face brick. I have a bath and 3/4 and they had me down for 3 baths. I have been overpaying for premiums for maybe 10 years and they refunded me 100 dollars. In October I submitted a hail damage claim on my home. Hartford adjuster dealt with an adjuster from a company I assigned to handle claim. Vinyl siding was put on the house and the noise from it is so bad I can't sleep in the house. Neither adjuster will address my problem, they just don't return calls.

Last year my flood insurance was purchased for minimal coverage at $211.00 for each of my 2 properties. I live in 1, the 2nd purchased for my mother in law and disabled son and family. This year a surcharge was ADDED making them $452 each EXTORTED, FOR growing old. We pay all the expenses, Punished for Caring totally for family. AARP HARTFORD was thought to aid and PROTECT SENIORS!

We had a flood in our home which significantly impacted 3 rooms in our home. They sent an appraiser who prepared a ridiculously low estimate. The Hartford finally agreed the appraisal was flawed. We obtained 5 contractor estimates and the Hartford agreed to pay for the lowest cost contractor, therefore selecting who we used. While repairs were being made, additional damage was uncovered and we notified The Hartford as instructed, supplying photos and videos for each item.

Hail storm destroyed roofs in 150 house subdivision. My 19-year old roof was one of about 10 that were not replaced. Hartford said it was not damaged. Roof inspector said it was 95% damaged. House was up for sale - insurance dropped me for having vacant home - no further help. I dropped 6 policies with Hartford because of horrible service.

We were away for an extended time, 3-4 months. During that time a raccoon got in by breaking through a vaulted ceiling and proceeded to ransack every room in the small house before breaking away the tub surround in two places and leaving through one. Our claim was denied entirely. No blood, no entrance point, no exit point were the reasons given despite the obvious damages AND FOOTPRINTS in the bathroom sink, on the toilet seat and in the tub. It is a small wonder Hartford has a 1 star rating.

My home was hit by Hail 4/4/14 and I filed a claim with Hartford online as suggested by my insurance broker. All went well and an adjuster was assigned. He sent a field service writer to assess damages, no problem there. He quit and it took 2 weeks to receive damage report, another 2 weeks to receive partial check which we held on to until we were ready to have work done, approximately 45 days. Had problems depositing check but was more of a bank issue. After check was deposited for 7 days and we wrote checks on it Hartford cancelled it, leaving us short in our checking thus costing us overdraft fees. I spoke with my now new adjuster and her supervisor who promised me I would have my check in 2 days. She would send it 2nd day air. I wanted direct deposit but she said direct deposit would take 72 hours so I said mail it. 13 days later, 5 emails, 3 calls and 2 emails saying it's in the mail. NO CHECK. Beware.

They were supposed to enroll me in auto pay, but they didn't and after one missed payment, they cancelled and banned me. I had been a great customer for a year and a half with zero claims and no trouble at all. However, I recently switched my Hartford plan from a local agent to their headquarter office. But, the stupid agent I spoke to, didn't enroll me in auto pay, and after one missed payment, they cancelled my account, refused to enroll me again, and pretty much banned me from their company. So now, I don't have insurance on my house and have to go searching again. This is absolutely horrible, unethical, and unprofessional. Who does business like this? It's disgusting.

I am currently a claimant with the Hartford Insurance company. I have had to contact them on almost every occasion during the claim process. My car has been sitting at the body shop with little progress for over 30 days. I was informed by the rental car company on 3/18 that Hartford stopped paying for the rental on 3/7. Hartford never called me to say they stopped paying for the car. According to the body shop, they have refused to send the appraiser to come out and look at the supplemental damage to the car. Also, the body shop they recommended neglected to discern the difference in models of my Honda element SC vs a base model (there are different components on more expensive models).

Wow the Hartford!! The Hartford insurance company never wants to PAY A CLAIM EVER! They train their employees to shut down, over talk, bully low income homeowners who have legitimate claims. I have a basement with sewage in it and they are denying my claim before they even send an adjuster out. John handling my claim from afar has every excuse scripted!! I am 84 years old, my home is paid for, I never have filed a claim. And my basement is destroyed!! I have a tv station coming to my home because this racist crap must be exposed!! I am filing a claim with the insurance commission, I have read my policy and I have coverage! Let's expose these crooked people and get them shut down!! Thanks. This is not right and I will fight to the end!!

When I received my notice for renewal, the replacement cost for our home was more than double from last year. Attempts to resolve the outlandish increase were initially unsuccessful, with ambiguous explanations from "not so polite" customer service representatives. We have been insured with The Hartford for over 14 years. Upon seeking competitive bids, insurers said our roof had too much damage and they rejected our applications. Several storm events had happened over our tenure with The Hartford, All of the homes adjacent to ours, and across the street received full roof replacement since 2007.

We have been loyal Hartford Insurance Company customers since 1999, and never filed a completed claim. In January 2011, our home was burglarized. We hired a local window washer to wash our exterior windows ONLY and he was on our premises for a total of fourteen hours, a job that we've had done every winter and has only ever taken 1:25 hours. Because we were not going to be at home (which he had foreknowledge of), he gained access through an unlocked garage door. When he reported to me on 1/19 that he, "had to come back tomorrow to finish this job", we allowed him to return the following day.

I had a flooding in my small business, which has been paying The Hartford for nearly twenty years without a claim. They did cover some of the claim, but the key issue was the carpet. They insist the landlord is responsible. However, it is a tenant improvement made by the previous owner, as the landlord is only responsible for four walls and a bare floor. Avoid this company and go with someone you can trust. And good luck with that, too.

I was denied a payment for break in. I was denied because I had not told them about some sterling silver I had purchased in 1942 and its worth had gone up and it had a high dollar value. I now need a copy of that denial and they won't send another copy.

They raised our insurance by $400 because they said we lived in another township and not Jackson, where we do live. So we called many many times and got the run around and then was told we had to get a letter from Coalton fire station where we get fire protection from with their letter head on it so we did and they said we are 5.1 miles from there. When we called them back as they never called us they said they got letter but the $400 still stands as they get their fire information from ISO and you cannot call ISO and talk to them nor will they change the fire station to where it had been for years. We always paid when our bills came in and never had a claim. All I can say is they don't treat their customers right at all. I will never have anything to do with them.

We had a leak in the house. Called and the person is not courteous or helpful. In a short few minutes, she decided the error is ours and 1/2 the claim is tossed. Wow, to be able to see across the nation and rule out claim damage. And I thought we had left Allstate.

My business has been with The Hartford Insurance for over 5 years. Recently, we have a burst pipe and water flooded my whole business. I called Claim dept. to file a claim. Instead of sending someone out to look at the damage, they told me over the phone I need to have receipts of all the installation that was done over 5 years ago. Long story short, the company that installed my carpet is no longer in business, so now The Hartford refused to pay for the damage. =( We never for once were late or have problem paying our monthly, but when the accident occurred, The Hartford sure has a problem of taking care of their end of the deal.

I went out on my deck and heard a strange noise. When I looked down the deck had separated from the house. We had a lot of rains so I called Hartford. Now in 45 years I have never filed a claim with any insurance company and was with Hartford for about 6 years. The adjuster came out, looked over the damage then they sent an engineer out. The deck was bolted to the house. They said since the deck was built before the building codes changed it was not covered. Now the exposed wood on the house is rotting and the siding came off and mold is coming into the basement. I am a senior, and can't hire anyone. The deck has a few post now holding it up but not much longer

If you have had any issues with the claims department, please submit them to the Department of Insurance. I spoke with someone there this week and she told me that if a company has more than 10 claims, they will need to set up an assessment/review of the company. Based on the hundreds of complaints I have seen on Hartford, I'm sure we can all pull together and make the public aware of their unethical business practice. Thank you.

Those of you who are looking for a peace of mind insurance carrier, do not waste your time evaluating Hartford. This company is the most unethical insurance carrier that should be known for their highly deceptive business practices. I have been with the company for 3 years and just filed my first claim for storm damage caused to my roof. After submitting the claim, the claim rep never notified me that he would be coming out for the inspection - he came over unannounced so I never had a chance to discuss the damages with him.

They underpay claims. We are still waiting for the final adjuster’s report and payment for a flood claim after more than 6 months. Hartford won’t talk to us, the Public Adjuster or contractors.

Avoid The Hartford if you value your sanity! The Hartford has to be the worst company that I have ever dealt with. My local agent switched us to The Hartford without prior knowledge or our approval on January 1, 2012. The rates were absurd, but it was too late to switch due to my escrow account already paying out before we even were given a quote. In the beginning of October 2012, we received a notice from The Hartford that they had randomly inspected our home and that due to slight curling of the shingles, our home was declared a hazard. We were given 2 weeks to have a roofing contractor to come evaluate and repair our roof and provide evidence that the work had been completed; otherwise, our policy would be cancelled. We hired a roofer and he said that we had hail and slight wind damage and should file a claim.

I had a leak on the side of the house from the recent storms. I called Hartford; they sent an adjuster to check it out. Next thing I know, three industrial machines, removal of my ceiling tiles and insulation. The adjuster told me to sign - said the form was a formality, not to worry about it. I became suspicious when he wanted to rip out the whole ceiling and floor. I had no leak. It had dried up. I refused the industrial machines. The adjuster told me they were to stay, and said he was authorized by Hartford to bring them in. I called Hartford, called the adjuster (Servpro) to get the machines out of my house. I had stopped the man from removing all but two ceiling tiles. Next thing I know, I received a phone call from two angry men from Hartford ordering me to pay the adjuster $750.00 for the machines and for the removal of my ceiling tiles. They then sent me a bill. I got took... I got used... being alone... and a senior, the men took advantage of me.

This used to be a good company many years ago and very dependable in handling claims, but things sure have changed! My homeowners insurance ran around $1,100 a year, which was not great but reasonable enough. Then, it suddenly jumped to $2,500 a year because of a supposed change in the local fire departments rating? The very next year, I am billed for $3,600 for the same insurance? Are they crazy! There has been no claim. In fact, a tree had fallen on my property and instead of making a claim, I just paid out of pocket to get it removed.

The water line to the house under the garage broke. 27,000 gallons leaked causing the wall of the garage to drop, cracks in the floor of the garage and driveway and into the house. Hartford Insurance declines the claim because of ground shifting and water damage.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I have homeowners insurance with The Hartford. I own a home built in 1836 and it is in good shape. For the first time last year, I filed a claim for snow damage to a front porch. The Hartford paid the claim for replacement and I was satisfied with the process. I expected my premium to go up even though I have not filed any recent claims. My bills are paid on time. I did not expect them to tell me that when the policy is due to be renewed, they will not renew it because of the age of the home. Many of the homes in our town and state are historic.

Hartford sold me over the phone a homeowner insurance. No agent was involved and there was no explanation what I had been buying. I must confess I have not read the contract when it arrived. Later on I found that if the damage to home is caused by hail or wind, my deductible jumps from $500 to $3,840. I consider these sales practices unfair and damaging to the image of the insurance industry. My claim on roof damage was treated poorly since I did not renew my insurance with Hartford and potential damage/expenditure of $6,000 was incurred.

Many neighbors in Weber Crossing subdivision had roofs damaged in mid February storm, including mine. They all claimed and received new roofs that were paid for by their insurances. My Hartford adjuster claimed that damage on my roof is minor and does not warranty its replacement. I will have to pay for the replacement roof myself and that is a large amount.

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

My homeowner’s insurance was $430 on 6-6-06 and they raised it to $570 on 6-6-08, In July of 08, I cosigned for my son to get a car. The dealer had sent it to about 20 different banks all at once. Originally, Chrysler turned him down but after so many rejections, they sold him the car (which is in my name now only). So I had a lot of inquiries on my credit. I told the dealer, to begin with, not to send to any , that if Chrysler didn’t want to loan him, I would go to my credit union or just pay cash for the car. So now Hartford checks my credit because it’s close to the 6-6-09 that my homeowner’s insurance is due and they raised my homeowners insurance from $570 to $1689 per yr.

The date of loss was on 6/15/2006 for Hail Damage. Date inspected was on 7/7/2008 by Crawford & Co., 2919 VA Ave, Charleston, WV. Net claim is $2,309.80 per estimate. Estimate was less than 1/2 of two other licensed contractors in WV. I submitted several estimates from them - Hartford was firm on the price. The estimator didn't include labor, disposal, etc. House needs a new roof, all parties agree. Runyon Construction has attorney who was ignored by the company. The contractors & attorney couldn't afford to spend more time for free. Now, I can't afford an attorney or find a contractor. Insurer is still firm. I can furnish copies of estimates and offered check (not cashed) from insurer. I do not have the funds and the insurer requests more estimates. I have all info and will be glad to share with anyone that can help.

I made a payment every month from my renewal date of 10/17/2008 to January 2009. I called my payment in to the customer service and talked to a live person. The automatic voice recording doesn't work for me as they cannot understand my answers, so I always talk to a person and not a computerized voice. I have paid every month what each customer rep told me to pay with my debit card. In January, I called and talked to a rep and she told me how much to pay. I paid this in time. When I called to make my payment again in Feb. 2009, I was told by Kelley that my policy was cancelled. I called 2/6/09. She told me that I was sent a cancellation notice back in January. I told her that I didn't receive a cancellation notice that I was looking at my billing statement.

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

CR needs to do an evaluation of flood insurance companies to help consumers make an intelligent choice. Flood insurance is underwritten by the federal government but administered by private companies. I am a Katrina victim and feel that I have received shoddy treatment from The Hartford Flood Ins Co. It operates independently from the Hartford Homeowners and apparently, the home office has no input nor control over the flood division. In fact, The Hartford should be ashamed to claim this group part of The Hartford.

For years we have been charged for another structure on our insurance bills. We have no other structures. Our zoning allows no outbuildings and we have none. The Hartford charges us a fee for 22,000 coverage on another structure. A person told me they have to put that on our policy. It might not add a lot to the total bill but the value goes up each year for our phantom building. I was told they are required by law to put this on our bill. It might not amount to a lot out of our pocket but after years of paying for this structure we don't have and have to insure is ridiculous. Can something be done about this. I was informed that ALL insurance companies are required to list other structures whether they exist or not.

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

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

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

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

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

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

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

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

JUST TO LOG one of MANY complaints concerning homeowners insurance.

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