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KealoloSW
Contributor ⭐
October 11, 2025

Hartford AARP Home Insurance - If you can't rebuild - does the policy pay anything ?

  • October 11, 2025
  • 5 replies
  • 2720 views
 

 

Has anyone with an AARP Hartford Home Insurance policy had their home totally destroyed and not been able to rebuild? I'd really like to hear from you. We have an AARP Hartford Home insurance policy  that has "100% Estimated Replacement" but it does not say if the policy will pay anything if the home is demolished and we cannot rebuild. We are in Hawaii and  have the supplemental hurricane policy but if we were not able to rebuild due to supply chain issues which could last years  if a hurricane hit Oahu, we would need to move. The Hartford Customer Service agent I talked to today said the policy would pay out but that that is not stated in the policy and that he COULD NOT send me anything in writing. Not happy.   Years ago an agent told me they do settle but at Actual Cost Value.  This agent today told me "No- we don't do Actual Cash Value"  Anyone have experience with turning in a claim when you could NOT rebuild ? Did you get a settlement? And how did they calculate it?  Anyone know how I can get answers in writing? This agent on the phone was adamant that I could not talk to Claims until I had a claim to file ( I figured they would know) and that he could not send me anything in writing. I don't want to change companies (Hartford is one of the few with hurricane policies) but ... I look forward to hearing from you  Sue (suenewsandread@gmail.com) 

    5 replies

    GailL1
    GailL1
    Community Champion ⭐⭐⭐
    October 11, 2025

    Remember that your insurance also covers the demolition of the part still standing to prepare for a rebuild.  You probably also have an amount that is included that pays some of your lodging expenses during a rebuild. Then there is your deductible which is the part you pay and have chosen.  So there are lots of coverage in the policy that isn’t just straight for a rebuild.

     

    Why would you not want to rebuild?  People  build back after a disaster.  That’s the purpose of the insurance.  

    If you want your question answered legally & formally in writing, take your policy to a lawyer and have them interpret it for you and then you not only have it in writing but a source in case something like this ever happened and you need representation.

     

    IT‘S ALWAYS SOMETHING . . . . .. . . . Roseanne Roseannadanna
    I
    IndyMo
    Contributor ⭐⭐
    October 11, 2025

    It's a little thing called AGE, Gail. If you were in your llate 60's or older, and in poor health, you wouldn't want to wait on rebuilding either! Have a little empathy, willya 

    GailL1
    GailL1
    Community Champion ⭐⭐⭐
    October 11, 2025

    Since the OP did not say, I was just asking the why question.  So this has nothing to do with empathy - just process and contracts.  MAYBE it can be done but the how much is gonna be an answer that the insurance agent (or lawyer) will have to give because there is a lot more in the policy than just the rebuild cost - I mentioned some of them.  

     

    Insurance is there to make one whole after a claim, less the deductible.  Logic says, the owner would want to sell it for their own finances and their estate but to do that, it has to be rebuilt.  If there is a mortgage on the place, that has to be settled if they want to walk away from it.  

     

    This would take professional help - insurance agent or lawyer or both to see if it was even feasible number-wise.  

     

    I would think if your reasoning might be involved that the person would just go ahead and sell it before any disaster happened.  

     

     

     

    IT‘S ALWAYS SOMETHING . . . . .. . . . Roseanne Roseannadanna
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