• Report: #1095808

Complaint Review: The Hartford home insurance

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  • Submitted: Wed, October 30, 2013
  • Updated: Wed, October 30, 2013

  • Reported By: kathleen — minneapolis Minnesota
The Hartford home insurance
200 Hopmeadow Street Simsbury, Connecticut USA

The Hartford home insurance AARP Hartford auto and home insuranceProperty & Casualty Ins of Hartford Insurance companies have license to steal your money Simsbury Connecticut

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I would have never purchased auto and home insurance from the Hartford had they not advertised in the AARP monthly magazine and newsletter for AARP Members. I talked with the AARP magazine marketing manager, and she told me that AARP does NOT endorse the Hartford Insurance company in any way. The AARP magazine only sells the Hartford advertising space in their monthly magazine for seniors. The Hartford Insurance company calls and advertises their insurance product the "AARP Auto and Home Insurance by the Hartford." The Hartford policy name led me to believe the Hartford product was totally endorsed by AARP for its members. And it is not in any way.

May 22, 2011, a tornado hit North Minneapolis, Minnesota. My garage was wiped off of its foundation, and all contents gone. My Range Rover parked in front of my house was impaled with a six-inch log through the windshield and the dashboard to the gas pedal. My house, built in 2002, roof, walls, and windows were impaled with tree limbs, 2 x 4s, and parts of other people's houses and all kinds of debris. Rain and mud entered my house and filled the attic, and proceeded to take the path of least resistance draining to main floor where it ran inside the walls and underneath newly installed vinyl and hardwood floors and into the basement where it's settled in pools of fluid resembling swamp muck.

The vinyl floors squished, and the hardwood floors swelled, resembling waves on a body of water. Everything, all of my personal property inside my house got soaking dripping wet from smelly stinking infiltrated tornado water. Cabinets, appliances, furniture, clothing, electronics were all contaminated with this muck. The north wall of my house was sucked out 2 inches. Windows unbroken steamed from broken seals Four days after the tornado with electric poles still down and temperatures in the 90s, two Hartford managers showed up and capped my total claim at $200,000. One collected pieces of vinyl siding, he said was to be used to patch my siding. My policy reads 150% coverage well over the capped amount.

Two weeks passed before an adjuster came to my home to begin the claims process. He hired Servpro, a company that dries out flooded structures. They opened the walls and positioned ten high velocity fans on the walls, and my six-month-old puppy. You could see new mold growth inside the walls. Servpro said they did not protect or cover anything, because everything had to be replaced anyway from water damage. They stated upholstered furniture and mattress cannot be cleaned, and wood will warp. They said my adjuster knows this, because they work with him all of the time and this was a standard operating practice. Tectron, an environmental remediation company hired by the Hartford, instructed the remediation team, the Hartford, and me that everything that could not be wiped down with a 10% bleach solution, had to be discarded and replaced. Envirobate, another environmental remediation company hired by the Hartford instructed the Hartford that all wood, sheetrock, and biologicals inside the house would have to be replaced including the swelled and damaged subfloor.

The adjuster planned to dry the walls and repaint them. There were water bubbles under the paint. My 3/4 inch red oak floors - he planned to have them shaved down to barely nothing. And he had no intention of replacing any of my personal property inside of my house. I know this because he told me that he doubted anything of my personal property inside the house was damaged, and he did not want to see them on my loss list. I told the adjuster he was forcing me to hire a public adjuster, to which he said was a waste of money, because anyone I hired had to deal with him, and he would defend his position and not change his mind.

The house sat for eight months before the adjuster would come up with enough money for a contractor to start work on my house. Even then he said he knew the estimate was short, but the contractor could ask him for more money as they worked on my house. When the contractor requested more material and labor money, he refused them. He said that was on the contractor, because he accepted the job. The contractor put a new hardwood floor over badly damaged subfloor, which failed to hold down the hardwood. It is now October 2013, and I am still fighting the Hartford to cover the damage to my house and garage and replace my lost and/or damaged personal property. I had to hire a law firm to which the Hartford arrogantly refuses to stand behind their AARP Auto and Home Insurance Policy product.


This report was posted on Ripoff Report on 10/30/2013 02:36 PM and is a permanent record located here: http://www.ripoffreport.com/r/The-Hartford-home-insurance/Simsbury-Connecticut-06089/The-Hartford-home-insurance-AARP-Hartford-auto-and-home-insuranceProperty-Casualty-Ins-1095808. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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