My wife and I have 7 boys we care for that are all ours which is a result of 20 yrs of happy marriage. In 2008 their was a flood that damaged the house we rent and we lost about 80% of all our belongings. We were told by the home owner that he had Travelers and that we may want to consider the same. To make a long story short we obtained a policy which included flood only and as renters I guess we had the renters insurance package or the one that most non-home owners purchase. Well it was about 18 months and then in 2009 there was another flood and then again about 2 months later so all together after purchasing our policy we encountered 2 separate floods. After reporting the first one an agent or free lance claims agent named Richardson came out took a lot of pictures, asked a lot of questions and then after showing us all of what our land lord had claimed and gotten from travelers he left saying there would be no problems and that we could expect to hear from him in just a few days . As I said before when Richardson was present in our home he had talked very badly about Bill our landlord and even went on to say that they had gave him $30, 000 to lift the house and get it out of flooding danger but he did not use the money correctly which is why (according to Richardson) we are here now facing this issue. Richardson made it clear that had Bill used the insurance money how he said he would the house would be three feet higher and out of danger!? My wife and I felt very uncomfortable talking about Bills policy and learning of his details inside the policy, we called Travelers right away and complained which is why I think we started off with trouble! After that event we slowly was treated worse and worse! It has been almost 90 days and we have had to replace everything we could but we are far short to what we had and in my opinion entitled to. I know that our policy is worth $8ooo and Travelers has tried to do every thing they can to keep from honoring our policy. My wife has gotten them proof of all reciepts as well as statements from others in relation to what they may have seen. I know that after having to produce reciepts we were made to feel like liars after being asked to get a staement from anyone who may have seen our washer and dryer setting on our porch for pickup! the whole thing has been degrading and embarresing, I would love to know how they can treat people like this and get away with it! We still have not gotten one dime and at present we feel like we are no match for them!! They are a crooked bunch and you will do great to stay away from them!! If there isw any help avalible please let me know where! Besides the insurance commision!