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Travelers is an insurance provider that offers competitive rates for its custom home coverage plans, online policy claims and several discounts options, including multipolicy, smart home and other savings. It also provides umbrella protection. It sells policies online and through local agents.
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This company failed each time we needed to make a claim for damage. They overinflated our property value to increase the deductible. I had to contact them with backup information for them to lower their valuation. It's always a chore when the time comes when we file a claim. When I get some time to devote, I am going to look for better options.
In May of 2019, my husband and I discovered that some property we held in storage had been damaged due to wind damage to the facility causing an excess accumulation of dust, mites, and insects to get into our storage unit. We immediately filed a claim with Travelers whom we had paid monthly premiums to for the last 13 years which should have covered our property in storage. We rarely filed a claim during those years, except for roof and maybe one other. We were called and asked questions about our unit which we immediately answered. However, the agent never made an appointment with us to visit the unit to assess the damage to our property. Instead, the agent called the facility to ask about us and damage to the unit. Of course, the facility denied any damage. Ultimately, our claim was denied citing what had been told to Travelers by the facility. My husband and I were disappointed, but life goes on.
Several months later, we received a letter stating we had to get rid of the property we held in storage. Of course, we called and questioned why? What is this all about? The agent proceeded to inform us that we had to throw away the property because we claimed it was damaged and allegedly we could possibly put the property in our home and file a claim on it later. We were offended as we are both honest, hardworking PROFESSIONALS. We informed the agent that it is damaged and we were not going to throw it away because the claim had not been approved by Travelers so therefore, they had no right to say we had to get rid of it. If the claim had been approved and paid, we would have gladly done so.
The agent informed us if we did not get rid of it, our policy would not be continued. This...to customers who take care of home and property and pay premiums on time...for over 13 years. We replied OK because we were not going to get rid of our property when the claim had not been approved. We immediately began getting quotes from other companies for our home insurance coverage. This happened at an excellent time for us because we were in the process of building our next home and had this not happened, we probably would have stayed with Travelers in our now current home. In January of 2020, our coverage with Travelers was not renewed due to us keeping our property in a claim that had not been approved. What a way to treat once loyal customers.
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Best policy coverages and rate. My agent is the best at finding what I need and getting me the best price. She keeps me updated constantly so I always have the most recent information and reminders and follow up is???!
I'm quite pleased with this company in reference to how they handle any issue that I may have in respect to how they handle any concerns or questions about the policy. The fee that I pay is less than what I pay for auto insurance which can be high. Their representatives are very professional.
After being several years with Travelers Home Insurance in February was a tornado that hit my area in Charlotte NC. I made a claim after a roofing company came to inspected and showed me that my house had a roof gutters and siding damage. In July, Travelers just agree to pay half of the roof and an small part of the siding. I wouldn’t recommend this company to anybody. What a bad company after charging me a lot of money for my insurance For years, they just send me a letter to tell me that they won’t Renewed my policy for the small claim they paid for.
I purchased a homeowner's policy from Travelers earlier this year, believing I had bought comprehensive coverage, only to discover that water damage to my home was not covered because the water came in to the home from the outside. (Seems like an exclusion designed only to prevent payouts, for how likely is it that substantial damage would come from water inside the home). Prior to notifying me that coverage would be denied, they told me to call one of their preferred water mitigation companies - which did the work but wouldn't give me an estimate at the time of service, saying they "would provide the estimate directly to Travelers." Subsequently got stuck with what seems like an inflated bill for a service I would have sought other bids for. Travelers has lost me as a customer for life. I would discourage others from using Travelers.
I recently purchase a home insurance through Travelers and it was the biggest mistake I ever done. The customer service are not knowledgeable and not emphatic with my needs. They easily dismiss your concern. Claims are not resolve in timely matter and very difficult to dealt with. Worst company ever and I do not wish anyone to go through the hassle that I’ve been through with this company!!!
A customer with for 20 years with auto, personal, umbrella and homeowners. I Experienced a sewage backup in my bathroom. My condo association was at my property with another plumber. We reached to file a claim with Miguel ** claim manager Travelers both from the condo manager and myself. He specifically denied the claim by saying my insurance did not cover this peril and would send a letter to me stating such. The condo manager was Ethan **. This constant denial went on for a while till I was able to contact Stephen **, a claims manager who pulled my coverage, emailed me the specific documents, and pointed out the specific peril under which it was covered. He stated that the representatives were in error and my I was covered 100%. Fast forward to reimbursing me for the loss Travelers refused to pay for certain specific damages, even though all 3 bids submitted included the losses.
I escalated to the State Commissioner of Insurance where Stephen ** implicitly lied and stated that Travelers never officially denied coverage but rather were waiting for all the facts to come. This is indeed 100 % false and both Ethan ** and myself will testify under oath the veracity of our claim. Travelers was vexatious, refused to cover the full amount of the claim and engaged in coercive practice with my vendors. I wish to hold Travelers accountable. Regards, Steve
Warning to Travelers customers!! Did you know, you are not allowed to sell your home?? I have been a Travelers customer with multiple policies for close to thirty years. I have insured at least three of my homes￼ if not four throughout those thirty years with Travelers. Never once was I made aware that selling your home makes you ineligible for being insured by Travelers.￼ Did you know that? You could pay insurance for your homeowners policy for many many years and then if they find out you are putting your house on the market they will cancel you.
I have sold two or three homes while being insured by travelers and I never knew this. I actually moved from Connecticut to Missouri, put my house in Connecticut up for sale while I was living in Missouri. The house in Connecticut was unoccupied and on the market and still insured. ￼Recently I called Travelers after getting a quote for renters insurance by another company, to give Travelers the opportunity for the business. I am a loyal Travelers customer￼! I am renting an apartment 2 minutes from my house to move some of my belongings into while we prepare our home for going on the market.
Once the house sells we will move into the apartment. My making that phone call created Travelers to cancel my policy. That’s right the fact that I am a loyal Travelers customer is biting me in the butt￼! They assumed my house was unoccupied and so they canceled. I called to let them know that it was not unoccupied and that we were just preparing it for the market. They called underwriting and this one underwriter is digging her heels in and saying that she is will not remove the cancellation. So the fact that I called to let them know that we are preparing to put it on the market is now the reason they’re canceling. Not because it’s unoccupied, which was never the case that was an assumption on their part caused by my phone call because I am a loyal Travelers customer, now it’s because I am planning to put it on the market!!!
Be careful of the company to whom you are loyal! Thirty years of loyalty and they are kicking me to the curb for something that is done all day every day. How many people do you know lose their homeowners insurance because they put their house on the market? I’ve never heard of that! I called a realtor friend and they had never heard of that! And Travelers themselves admitted to me that they never tell you that!
They admitted that the fact that you are not allowed to sell your home￼ is not in your policy manual and the salesperson who sells you your homeowners policy does not tell you, you only find out if you’re a loyal customer and are honest with them. I guess the message I should take from Travelers is don’t tell the truth if you are going to put your home on the market and all is okay, cause if they find out about it they’ll cancel you!! That is basically what I was told. I thought the best practices were honesty and loyalty, not in this case, not with Travelers!!
On July 28, 2019 a straight line wind ripped through our neighborhood causing damage to the left side of my house, as well as other structures in my yard and backyard from fallen trees. A huge tree about 150 feet tall, fell onto the left side of my house and porch and caused the whole house to shake. I was not able to exit my house from the front as the tree had fallen on the porch and steps. We called Travelers and was told it was ok to have the tree removed and so we did before the adjuster came. An adjuster from travelers came out and assessed the damage about a week or two later. He assessed the damage to the roof, fascia and fence etc.
We also pointed out that there was damage to the porch and that the porch had shifted to the right, which is obvious to see.... The adjuster didn't think that was from the tree but said we could submit it as a supplement once we started repairs. He also made a comment that he overwrites the estimates so maybe he could take the family on a vacation. Our contractor verified that indeed the force of the tree moved the porch. He stabilized the roof and porch until we could make the needed repairs. He found that the left side of the porch header is compromised, The posts shifted and aren't level as they were level before the tree hit the porch (we used him last year to build our garage and he verified that in fact the porch shifted from last year before the tree hit) and the footing is sunken.
He submitted a supplemental estimate for the porch and it was denied due to the policy not covering preexisting deterioration or wear and tear. The house is an older house and after removing the ceiling on the porch, he had found deterioration, wear and improper construction that we weren't aware of as everything was covered up. Even though there was preexisting concerns, the porch was stable before the tree hit. Now we need to resupport the porch as it shifted because the tree fell and was laying on it. I contacted his supervisor and explained the situation. I asked if he could look at the pictures of the tree on the house and see that there was no way that didn't shift the porch and to compare pictures of the house before and after because it's obvious it shifted from the tree. He said he had pictures and asked that my contractor contact him.
After their discussion he wanted to send out a structural engineer. The engineer came and met with us and our contractor. He did agree that the tree definitely did damage to the porch but there was also underlying structural concerns. They agreed but we did not know about the structural concerns as they were hidden. The issue here is that the tree falling put pressure on the porch and caused it to shift and become unstable. We would not need to do any repairs to the porch at this time if the tree had not fallen. After not hearing anything for about a week I called on 4/06/2020 and was told, "Oh yea I was going to send you a letter soon, we are not covering any additional damage because your policy excludes wear and tear and deterioration."
I was surprised, as after hearing what the engineer said, I thought they would at least cover the damage the tree did to the porch. He sent me a letter, and what the engineer wrote was different as to what he said to us when he assessed the damage. He also said he compared pictures from before and after and didn't see a difference. I asked if they could meet me in the middle and help with the porch as it seems unfair that the tree caused damage and now we are on our own for repairing it. He said there was nothing he could do. I then asked what my next step was and if I needed to get a lawyer... He said that was my choice. My complaint is that these underlying concerns were hidden and the force of the tree falling is what caused the porch to move and essentially caused it to be unstable and unsafe.
This is bad business as they are using this to their advantage in order not to pay for the damage the tree caused. This is very unfair to myself the consumer. Why am I paying for insurance if they aren't going to cover damage that was done to the house by an external force? Also going back to the comment the adjuster said... We don't want it overwritten to go on vacation, we are looking to have enough money to cover the repairs needed from the damage of the tree and storm. I am appalled that is even happening and that I need to fight this. My contractor verified that the porch was not shifted before the tree fell and also neighbors have verified it as it's plain to see with your eye. After this we got a letter from travelers saying we are here to help during this trying time. What a joke....especially during this time after I am out of work. I don't have the extra money to pay for repairs that a storm caused. Isnt that what insurance is for??
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