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report scam| Country | United States |
| State | Pennsylvania |
| City | Philadelphia |
| Address | Lockbox 3690 101 North Independence Mall East |
| Phone | 1-800-523-2233 |
| Website | http://www.thehartford.com |
The Hartford Reviews
We have had the Hartford for a little over a year now. So far, I am completely unimpressed with them.
The first problem we had was on a glass claim. We clearly told the rep that the windshield had cracked and was continuing to extend. She stated the crack could be repaired and the windshield would not need to be replaced. She transferred us to Kryger Glass and they stated, which I pretty much knew, that the windshield would need to be replaced if it was larger than a quarter sized chip.
A crack and a chip are not the same thing. A claim rep should be properly trained in order to know this information. Then, Kryger Glass stated because the rep set up the claim wrong that we would have to call them back to get it corrected before they would set up an appointment. In all, we spent more than an hour trying to set up a glass claim. And Kryger, the glass company they referred us to, didn't even bother to properly document our phone call when we called back.
They stated they would need to call the Subaru dealership to obtain a replacement windshield and would need to call us back once located. Five days later, I called them back and they didn't even have a record of our claim or the conversation. So, we had to call the Hartford back a third time for another glass referral.
The second problem occurred when I noticed they changed our homeowners's deductible to 1% of the property value from $1500. This changed our deductible to almost $3k. They never even bothered to send a notice. At this point, I filed a BBB report. They responded by saying their system made an error and changed our deductible and stated they would change it back to the $1500 amount. Right.
The most recent problem occurred when our HVAC servicer inspected our unit and determined we needed a new one. We have mechanical breakdown coverage through the homeowner's policy. The first rep asked about the damage and was instructed it was a leak in the coil, the freon for the unit was being discontinued in a year, and servicers in the area could not get the new freon in stock. Therefore, the unit needed to be replaced. The initial claims rep asked if the coil had been damaged by an animal. I said I didn't think so. The follow up rep asked for us to send pictures and an estimate. I stated we would send them when the HVAC team came to do the install.
Then, we received a call from an adjuster named Dena Anderson. She started off the conversation by asking if it was damaged by an animal, I said I didn't think so, laughed, and said how in the world could an animal climb inside to the coil to cause a hole. Next to impossible considering the narrowness of the area in front of the coils, but I said I couldn't be sure. Again, she said, "So it was damaged by an animal?" The call of course was being recorded for quality assurance purposes.
This time, I got mad, because she kept insisting it was damaged by an animal despite never being told it was by an animal and without supporting pictures of the damaged unit. I told her I had clearly stated before that I didn't know, doubted it was from an animal, and to quit putting words in my mouth. She backed off immediately and apologized, blaming the initial claims rep for setting it up as animal damage. I reiterated that I never told this to the original rep which could be verified if they listened to the recorded call.
Then, she stated she would need to refer the claim to someone else because this was apparently "mechanical damage" and would be covered. So basically they just opened a claim and logged in incorrectly in order to try to turn it down, forwarding it to someone who never had any intention on approving the claim. Unbelievable.
After the last incident, I filed a report with my state insurance commissioner and another BBB report. I would suggest others do the same if similar behavior is noticed. I also plan on filing a complaint with the AARP.
I take care of my 80 yr. old mothers affairs as far as obtaining insurance and making doctors appointments. She still manages her checking account and her money, does her grocery shopping etc. In October of 2016 I suggested we call my insurance company at the time to see if she could get a better rate, since I had also switched from another one and got a better quote. We made the change after being on the phone for over an hour. My mother was now going to save a good chunk on a monthly basis and all we had to do was cancel The Hartford.
I call in and ask to cancel, I am told the request needs to be in writing. So I quickly type up something on word and don’t even save it because this is so plain and simple, right? I faxed it that same afternoon and to follow up send the original in the mail the next day. In February of 2018, my mother says she’s confused about this letter from AARP, I said " mom you know they send offers at least once a week, it’s only and offer .” Come to find out that they were actually renewing a policy and they had been taking a payment out of her account for a year and a half!
I immediately get on the phone and after talking to a block wall for a half hour I requested a manager. The manager is very hard hearted at first but assured me that if I send in another written cancellation request signed by my mother and proof of other insurance coverage , we will be able to solve this and get a refund. She lied to me saying she would try to go back as far as she could probably as far as the date of cancellation. I stated that we would be moving and gave her the new address.
I made phone call after phone call referencing the issue at hand, each time I am again asked to send in proof of coverage, saying that they didn’t get it for all of the terms dating back to October of 2018, or that they received binders and not Declaration Page... it’s goes on and on. I spoke to what seem to me like very courteous and reasonable service agents. Today, May21,2018 my mother receives a bill threatening to discontinue service if she doesn’t pay up. By now I’m livid, I had already been assured as well as assured my mother that she would be receiving her refund.
I call in and get transferred to a manager , who proceeds to inform me that as a courtesy he can tmrefund as far back as September 2017. Not acceptable! I ask for his manager but of course she is not available. He proceeds to transfer me to the same Manager I spoke to in February who now changes her story in many places. They claim to have never received the cancellation and as the gentleman proceeds to inform me, if my mother was paying for it, she was consenting to having the insurance!!
Her checking account was being charged and she had not noticed ! I wonder how many elderly are out there suffering the same rip off ? These people shouldn’t sleep at night. My blood pressure on two occasions has now hit 160/100. What can I do besides reporting them to the Insurance commission ? Look for legal resources? I won’t let this go. It’s the principle that bugs me.
The Hartford Insurance Company has 2 agents that in my opinion should be terminated under the grounds of discrimination to the elderly and elderly abuse.
Agent Megan Lewis 1-800-280-0555 Extension 2303931
Agent Rob Wilton 1-860-509-9198 and 1-603-726-6027.
The Hartford Insurance Company is highly recommended by AARP and Hartford’s advertisements always appear in AARP’s magazine. In fact it was AARP’s endorsement of Hartford that led my parents to become policy holders with Hartford.
My mom and dad were both born in 1924. My father passed away 2 years ago at the age of 91, after a 14 year struggle with failing health. He was married to my mother for 71 years. He was in the U.S.Army and fought in WWII, he partook in 2 epic battles, “THE LANDING OF NORMANDY”, and “THE BATTLE OF THE BULGE”. Later in life he became one of the high ranking quality control engineers for Lockheed and he played an instrumental part in the development of the Stealth Bomber. He is now buried in the Veteran’s Cemetery in Bow, NH.
THE CLAIM
My mother had to sell her house, she didn’t have many choices, her age of 93, the memories of my father that the house held, and the mountain of bills incurred during my father’s sickness. A buyer was interested in the home and upon inspection it was found that there was a mold issue in the attic of the house. Her policy from Hartford covered mold up to $10,000. A firm, “Servpro” was hired to take care of the problem and they did an excellent job, they also lowered their bid in honor of Mother’s Day for my mom, and they became the lowest bidder. The total cost of the job was $7,000; my mother had a $500 deductible with Hartford. Because of the denial from Hartford she had to come out of pocket the full amount and she doesn’t understand why these agents (Megan and Rob) won’t reimburse her the $6,500 that was covered under the policy. The inspector approved the work that Servpro performed and the sale of the house went through.
I received on my phone a VOICE MAIL from Rob Wilton. He said that my mother’s claim was being denied because the mold was in plain view and not hidden also she should have been able to detect the mold had she gone into the attic and inspected it. The ceiling had a pull down ladder and she could have used it to gain access to the attic. Then Rob gave me an agent’s name, Megan Lewis and her extension. Rob said Megan was working with him on my mother’s claim.
2
I played Rob’s recording to our family attorney, he shook his head in disbelief while asking “Do they really expect a 93 year old woman to be able to pull down a spring loaded ladder from the ceiling and climb it into an attic?”
I told the attorney that the Hartford agent Rob Wilton was about 50 years old and he had a hell of a time climbing up and down that rickety attic ladder. In fact Rob commented that the ladder was pretty dangerous. Rob Wilton also had to use two loose boards to slide along the rafters. Rob needed to use a flashlight app on his phone so he could see the mold and where he was going. The largest concentration was down at the far end of the attic. After his return from the attic Rob commented that at his age his knees weren’t made to be crawling through an attic like that. Our family lawyer asked, “Would you like me to send a letter?” I replied, “Please”. Ever since the lawyer’s letter Rob Wilton has absolutely refused to even talk with me about bringing this matter to a peaceful resolution.
We were even willing to compromise in the settlement.
So far we have received three different reasons for their denial. Every time Megan and Rob make up a reason to deny the claim, we give them a common sense answer. Then Megan and Rob throw that reason out and fabricate another reason to deny the claim, and again we respond with common sense and the fact that the policy does cover this claim. Now Megan and Rob got back together and fabricated yet another new reason for denial. They say that my mother had been out of the house for over a year, so the claim is denied. I called Megan Lewis back and reassured her that my mother had been in the house up to just before Thanksgiving of 2016. The home inspector that found the mold issue, found the issue in April of 2017. That time frame doesn’t fit Megan and Rob’s time frame. They claim it was over a year but in fact it was only about 5 ½ months. Megan told me that she will get back to me in 2 days, but first she needed to talk to Rob. It has now been almost 2 weeks I’ve been waiting for her call, and clearly she has no intent of calling me back.
We can only wonder what new scheme these two will try to conger up next, and if Rob’s knees suffered in the attic, is he so insensitive to the elderly as to suggest that they should crawl on their knees in attics?
For the past few months, these two agents Megan Lewis and Rob Wilton have caused my mother nothing but anguish. My mother has suffered enough and does not need these two people to prolong the agony by making up more new excuses and false justifications to suit their cause for denial. Are their denials backed by corporate bonuses? Must be, because nothing else seems to make any sense.
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Our final hope lays with The Hartford Insurance Company, surely these two agents can’t possibly be a true portrayal and representation of your business ethics and your response to your customer’s needs.
Your customer’s hopes are based in knowing that when tragedy strikes, they will have a great insurance company to restore their hopes as they turn their hopes towards the future. If we as customers are unable to have faith in our insurance company then we will have no hope of being able to recover from future tragedies that may invade our homes and our families.
I had been a customer in perfect standing with The Hartford--no claims, every payment on auto-pay and on time. I broke down in the middle of the night. I called and they said I did not have towing on my policy. No biggie, I agreed to pay for the towing.
Ten and half hours later (no exaggeration) I still had not gotten a tow truck. I finally asked if they would pay for a cab ride to take me to work--they said they would, just keep the receipt and fax it. i did exactly that. Now, Elizabeth A. (a supervisor with Hartford) matter of factly calls me a liar and tells me I was never told that I would get reimbursement!
ALSO: the reason this complalint is titled as it is: three days after they could not get me a truck (and I had to get a motel an $60 cab ride), they raised my premium $200! No one was ever able to give me a reason for the increase--I had had no claims, tickets, or accidents. My wife and I are not trouble makers, but mature, professional people. I do not have issues with insurance companies--I was with Nationwide for 31 years--age 16 through 47. I only switched to save a few dollars a year, but it was a mistake.
I'm sure soneome from Hartford will put in a rebuttal and try to make me look bad, but the truth is: this company has no integrity when you really need them. Most agents at The Hartford ARE nice except for Elisabeth or Eilzabeth, but nice doesn't get it when you are accused of lying and not being given what you were promised. I have way too much to do to sit around and make up storeies about an insurance company.
I purchased a Long-Term Disability policy from The Hartford through my employers health benefits. When I was injured and became disabled. I filed a claim, as well as filing for social security diability. According to the attorney handling the social security claim, The Hartford is a company to steer clear of. I am far more likely to have my social security case approved than ANY claim with The Hartford. I have both heard and read nothing but bad things about The Hartford. ALSO, there have been two times in my life when The Hartford Insurance quote for auto insurance policies have been 2 1/2 - 3 times more expensive than the average of other major companies. I even had an independant agent check it out, thinking I might be doing something wrong. He came up with the same result. STEER CLEAR OF THE HARTFORD.
On Mar. 2, 2013, I was accused by someone of running into his truck, Albuquerque, NM. I never had an accident with him at any time. Nevertheless, he followed me home to my parsonage and both of us called police at same time. Neither of us were ticketed. There was not a shred of evidence that we had an accident (e.g. no paint transfer, no matching up of his damaged area with anything on my Bronco, etc.), or that it was even possible for my Bronco to have caused the claimed accident. He claimed that he was driving on the sidewalk on my right side when I 'ran into him'. From the police, he found out who my insurer is, Hartford Casualty Insurance Co., and filed a claim with it. Hartford turned him down, so he filed with his insurance company (USAA). Unknown to me until March, 2015, when my wife tried to insure another car via another insurer when she was told that I had an accident on my driving record.
That's because his claim went into secret arbitration, Hartford put up a feeble defense, and the arbitrator found in favor of him. According to Hartford, it then paid his claim. Insurance companies love to lose these cases because they can then "justify" making you pay much higher premiums for fictional accidents - 5+ times what they paid out for the claim - over years. So our driving insurance premiums went much higher - a cost we can little afford. Hartford (and any other insurance co. I can go to) is now charging us for an accident that either never occurred or did occur but did not involve me.
When I first found out, I emailed Hartford several times, but got no response. I then complained to NM insurance regulators (NM OSI), they told me I had no right to know anything about the arbitration or even have been informed about it taking place or how it was decided or who the arbitrators were, nor any right to know whether the money Hartford paid to the accuser actually paid for and was limited to the damage he falsely claimed I did. According to NM OSI, it was all "work product" of the arbitrators. I then complained to NM AG and asked for a full investigation, they refused to even investigate, even though I proved to them that Hartford perjured itself with its OSI response and lied to me, and it appeared I was set up as a religious hate crime (I am clergy), and possible elder abuse issues (ironically, we obtained our Hartford insurance thru AARP). Did you know that there is no Federal agency you can complain to about insurance companies? If you have a beef with any other business, you can complain Federally to several agencies (FTC, CFPB, Postal Inspector, FBI, ICC, etc.), plus your state and the state of that business. I am stuck paying for this sickening injustice because I must be able to drive to survive (Disabled Veteran) to buy food, see doctors, etc. Auto insurance companies are clearly secret societies which use the police power of the state as enforcers for their protection rackets. This is as bad as communism.