Complaint / review text:
Hartford, homeowners insurance. Broken water pipe caused extensive damage to upper floor and lower floor (completely carpeted and set up with two bedrooms) on 7/7/2013. Adjuster set damage at roughly $27,142.00 to repair... Two contractors came and both bids were in the $70,000 bracket. AFTER 200 e-mails and phone calls on 12/5/2013 Hartford revised their payment and added $20,477 for a total of $47,619. Hartford paid lost rent of $1,500 per month for Aug thru Nov as required by my policy.
During early Dec. 2013 the upstairs portion of the home became livable and the tenant moved back in and paid 1/2 of rent for Dec and Jan 2014, as MT law requires. I sent a request to Hartford and requested the other 1/2 rent for Dec and Jan. They flat out refused. This is a total abuse of normal standards by an insurance company. The repair payment is at least $20,000 short of actual repair/replacement and $1,500 of unpaid rent. Thank you delano (damaged home was a rental property i own in billings, mt).