Farmers Insurance

It's a long story but I'm going to make it short. My husband and I just bought a house in the city of Moreno valley and it closed escrow on 12/21/11 and on 1/20 or 21 of the month we had our home robbed or vandalized and when we called the insurance they told us that we were not covered for any personal damage so we called our realtor and asked him, what kind of insurance he provided to us because we were not covered for our personal items. We never received any paper work to sign on the insurance. Now they're asking my husband to sign the paper or they're going to cancel the policy. I'm very disappointed and angry but most of all I feel that we were not informed of the policy and the coverage on it. Please help us.

I live in PA. I was given a quote for the property insurance by the agent who came into my house. I paid for quote in full. A month later, I received a bill (out of nowhere) which is basically 30% of my original quote. My agent, Scott ** is nowhere to be found. I will try to fight them.

Four of our units were struck in MC IN happening between Sept & Dec 2011. The owner Kent never said a word, except to complaint about issues with the contract to the police. I guess then being robbed is okay! *** kept collecting money for an empty unit and 3 not even half filled ones. I found out that Jenn ordered them cut off leaving the units free for the taking. McCintock, cannot believe that a person could have so much stuff, so he would rather investigate us for not reporting it sooner & apparently its' a crime to have so much stuff. Dec 18, 2011 was the 1st time we knew of it. So, how is this fair? Our agent is okay. But the claims sucks, they're rotten eggs. The claims woman, Tammie, said, "No, we don't cover that and you guys will just have to deal with it." And Amber in Michigan investigation dept would also like to do investigations on us, not anything else. After all, who else could they go after?

Do not go with State Farm Insurance, 30 years of paying them *** to be treated like we stole from ourselves. They need people in there that know what the *** they are doing, like going after the real criminals, not make out your insurers to be the criminals, so they can get out from paying the claim.

We had insurance with Farmers for several years. My daughter also had her auto insurance with Farmers. I really had no complaints until Farmers decided to combine/mix up the policy holders, names on our policies. I would get billing/statements concerning her autos and she would receive the same type of billing/statements. We both called our agent (Clint **), trying to get our policy information straighten out. We always got an, "I will get right on this and get it corrected," or we got an, "It has to do with the household number." We never got it corrected. After months of this, I received some data from Farmers and tried to contact Clint **, he was not in nor was his wife, Megan. I asked that they return my call as I was upset. I was assured that they would.

After several days and no return call I decided that if I could not get a call returned, then I did not want to do business with Farmers. I then proceeded to find new auto insurance on all 5 of my vehicles. I am very happy with my new carrier. My new auto insurance went into effect on July 18, 2011. Today I receive a letter from Credit Collection Services; this letter states that Farmers has turned me over to this collection agency for the past due amount of $57.18. I called the collection agency and asked what the policy number this was. By the way, the cancellation date of the policy was stated as 10/11/2011. I was then asked for the effective date of my new policies and if I had ever lived at what was an unknown address to me. I was advised that my name would be taken off the account and that it must have been a different Richard **.

Now if this situation shows up on my crediting report I will be contacting my lawyer about what legal action I cam take against Farmers Insurance Group. It is a shame that a company as large as Farmers has such lousy customer service. I will never recommend them to anyone. Perhaps there should be an in depth retraining to all the agents, their staffs and anyone who enters information into the computers. I am very, very upset with this situation and hereafter will be sure that all my worldly goods, home, and autos are insured by an American owned company.

I got insurance after Farmers Mutual inspected my house in 2000. There was nothing reported about the chimney and I have had coverage for 10 years, so I thought. In March of 2010 I needed a chimney repaired and was denied. They said it was wear and tear and I failed to maintain it. The next year it was separated from the house. I had birds and small animals get caught in there. The town fire department told me something had to be done. I got a public adjuster and engineer to exam it. They said the problem was not from wear and tear but foundational it would have to be rebuilt. I resubmitted a claim and was denied. I am outraged that they would not fix it and more that they did not offer to assist me in anyway. I had them for 11 years and never filed a claim. It is a shame. As soon as I can I will switch. If you are searching for homeowners insurance, believe me Farmers Mutual (New Jersey) is not one of them.

I paid 1/2 down for house insurance, then I was to pay the other half in 4 months but then I got a bill for another $12. Then the policy finally arrives and my policy went up $75.00 more. This is a bait and switch from Farmers insurance in Northville Michigan; the agent's name is Tom **. Do not buy from him, he does not tell the truth.

These two representative of Farmers Insurance, Madeleine ** for Fara ** billed me twice for the same month and then stated that it was my mistake that I didn't pay them when I actually did and I had to fax a copy of the check that they already deposited to their bank. These two agents continually rip-off many people including my co workers and friends.

It was resolved after a lengthy search of the check through my bank. I am very upset that these agents, who repeatedly double charged many people, are committing acts of consumer fraud daily, and they need to be dealt with.

I purchased my home in October 2009 and was insured with Farmers Homeowners insurance since then. Recently, I received a letter from this insurer informing me that my home does not qualify for their insurance policy due to: a) Front sidewalk is cracked and uneven. b) Front slope of roof has missing shingles.

The reason for the crack in the front sidewalk is due to the roots from the huge tree on the curb growing underneath it and, as per the Farmer's agent, the roof did not have any missing shingles and she visited my house and took photographs as well. Some sections of the shingles in a portion of the roof was discolored. When I asked about it, the agent she told me that they might have mixed up my roof with some other property roof during underwriting. Both these defects were there when I purchased this house in October 2009 and Farmer's did overlook these and collected premiums from me since 2009 up to date.

My insurance with Farmer's is valid till 11th November, 2011 and I did make a claim for the repair of the roof on 15th October, 2011 for which I did not get any reply. Since they insured my house with the above defects for the past 3 years, I would at least claim for the repairs of the said section of the roof. The side walk was already repaired by the City.

This insurance company is very unreliable. To those who wish to insure with them, please be cautioned of sudden notices of cancellation of your policy for reasons which were already there when they initially insured your property.

I had filed a claim on my roofing & air condition units as they were destroyed by the storms in the Memphis area around April. However, the claim found that work and damage were done. The approval was done to do the work repairs. I used Tennessee Roofing Professional to do our roofing. They sign a check over for the contractor to get started on the repairs which were advised through our adjuster.

The roofing company was shut down for fraud. Farmers Insurance has not done anything to help with my matter nor did they send any more money to complete the repairs.

I had both a renters and auto policy with Farmers. I refinanced my car and changed the lienholder information (required by the lender, of course) without an issue. Then, I moved and changed my renter's insurance (again, required by the landlord). When my auto renewal came months later, I noted that the lienholder was incorrect (it was the original one) and my address was also incorrect.

I was given a quote $768.00 for homeowner's insurance. Now, I am being billed $1073.52 for this homeowner's policy.

I receive billing notices from Farmers Insurance for my cars, home, business, and life insurance. They are always easy to work with, give me multiple ways to pay, can even pay by credit card or debit card with no extra fee. Plus they have a coverage called glass replacement that allows me to have a low deductible on glass yet have a higher deductible on other items that saves me a lot of money.

We have another home where we lived and in the process of moving, the house was burglarized and vandalized. The police were called and a report was made--the house was totally cleaned out and destroyed. They went through the entire house and destroyed furniture. They even knocked pictures off the walls. They busted open an antique desk that we kept all our personal and business info in; every drawer was empty. We had boxes packed up and they emptied them out. It was like something out of a movie.

We put the claim in but we didn't have receipts for the items taken so Farmers has been giving us hell for three months. Now they want three years of tax returns and bank statements, loan and credit card statements for every loan, and credit card in the past three years and so on. They are treating us like we robbed ourselves. When we first put the claim in, we would call and get someone every time. After our first meeting, they found out we were black people. Everything changed. Now we are being treated like criminals. The things they are asking for have nothing to do with our claim.

What can we do?

Farmers Adjuster came out to inspect water damage at my customer's and friend's home. I have been a contractor for 38 years. It was clearly ice damming and a lot of it. Farmers gave a settlement after depreciation for damaged skylights, but refused to pay for the damage caused by leaking skylights from hailstorm and ice damming.

I got a second opinion from an unbiased contractor. Farmers is a very poor company and if you consider buying any insurance from them, forget it. They have a class action suit against them right now. I had them for 20 years and glad I dropped them. Now I'm trying to help a client collect and they must have a no-pay rule on ice damming. It's 7,000 in damages.

I filed a claim in 2008 trying to get my roof repaired, due to an ice storm, and needless to say, I only received partial payment for a small section of roof that had visible dents of about eight hail stones. The rest of the roof was ineligible for coverage because of "wear and tear". Carden and I had a huge dispute and when I saw a class action suit against Farmers, I sent in my complaint and received an additional $400.

On May 20, 2011, storm rolls through here and continues to Joplin, Missouri. I went downstairs and found a hole on the east side of the house that had allowed water to enter, as well as rust stains on the inside wood-burning stove, also indicating an additional source of water entry. Carden told me to call Service Masters to have the water removed.

Service Masters was gung ho when they first arrived. They removed part of the flooring in the kitchen and began trying to locate the source of the leak. Their conclusion, as well as mine, was the hole and the stove pipe. I concluded that the hail had caused the pipe to shift. SM placed plastic around the pipe, placed plastic over the hole on the east side and began removing water. The 20 by 40 room had carpet that had reacted like a sponge and because it was the original carpet in the room (over 20 years old), I was told the carpet could not be salvaged. But they said not to worry, if I signed the authority to remove the carpet, once the final paperwork was completed, I would receive money for the carpet anyway.

After about two days, I noticed that all the workers were not returning and I contacted Jack to get an adjuster over. The first thing he said was, if I was not covered, I would have to pay SM out of my pocket. But from what one of the workers was reporting, it seemed that there was concern about my coverage. He also said that he could not get an adjuster out earlier because they were called to Joplin to take care of them. The house appears to be a battle zone with things removed and trashed. It's now May 23, 2011 and still no adjuster. Fans and equipment still buzzing but it is clear that there is a change in attitude with SM. Only one person comes to check equipment and move fans around.

The manager of SM came by and took a look around. We checked the places where water could have entered from the roof and Carden said if I had asked a certain company to help me he did not like them because of their shoddy workmanship. I told him, "Since I had given you that name back in 2008, why did you not tell me then that the company wasn't reputable?" Now we are once again in our argumentative state. I took four days off from work to accommodate SM and finally the adjuster arrived on June 8, 2011. When the adjuster came, a relatively portly fellow, I didn't believe he was able to go on the roof. He deemed it as steep, besides I wanted them to look at the hole on the east side of the house. Carden, SM and adjuster converged on me and Jack comes to the front door armed with a camera and said, "They will explain to you what is going to happen. If you have questions call me." He never entered and he left abruptly.

The adjuster was left to explain that once again "wear and tear" was the culprit and not hail damage. I argued why the pipe did not leak before and why did the house not flood before if these problems were so obvious and apparent. The adjuster told me I was eligible for $238 after my $1,000 deductible. All of the other damages were there but, due to "wear and tear", I was not covered.

I sent a letter to the Oklahoma Insurance Department regarding my complaint and the fact that in the paperwork, the adjuster filed his report on June 7, 2011 although he did not come to me until the 8th. I suggested that Carden had given him the details he wanted and prior to him truly checking things out, a conclusion had been drawn and it was that I would not be covered. Every argument sent in regarding my claim was centered around the 2008 claim on damages on the west side of the house. My 2011 claim was regarding the east side of the house. The Insurance Department said the company had stated their reasons and, unfortunately, their office does not have the authority to determine whether previous repairs were completed, damages caused by "wear and tear" or a covered loss. They also suggested that I consult with my attorney if I wanted to pursue this matter further.

Mortgage loan and escrow has been held with Bank of America since December 15,2006. August 2010 letters from Bank of America requesting proof of Insurance started coming in the mail. Telephoned Graham Messer, he assured me the matter would be taken care of. In October 2010 a statement from Bank of America showing they had charged me $2346 to replace my homeowner's policy came in the mail. Again, I contacted Graham Messer stating he would correct the problem. Received notice from Bank of America credit in the amount of $2346 was applied for homeowner's insurance and $994.80 was paid to Farmers Insurance Group for homeowner's policy.

06/08/2011 Susan called Farmers Insurance Group 800-327-6377 with questions concerning homeowner's policy # 93772-01-68. Farmer's Insurance Group representative he did not have a record that I had homeowner's insurance and advised me to telephone Kevin Renold @ 434-245-1521 because he was the agent assigned to my policy. Kevin said I have not had homeowner's insurance since August 26, 2010. The agent that was originally assigned to my homeowner's policy, Graham Messer, has been in contact with me on a regular basis. I had no knowledge that Mr. Messer no longer worked for Farmer's Insurance Group and that I did not have homeowners insurance.

Mr. Renold's referred me to Byron Brown @ 434-977-7070, which also advised me that I have not had homeowner's insurance since August 26, 2010 and that Graham Messer had not been with Farmer's Insurance Group since January 2010 and offered to write a homeowners policy effective as soon as I signed the forms that he would email me. Mr. Renold's said they have had a problem in the past. Mr. Renold's also said that Mr. Messer is no longer licensed in Virginia. I asked Mr. Renold's how this could happen? Why didn't someone notify me? I expressed my confusion and amazement that this sort of thing could happen. I did not have homeowners insurance for 10 months yet the premium shows it has been paid.

I called Bank of America, which holds my mortgage and escrow account, and ask for information on the last check that was sent out to pay for homeowner's insurance. Bank of America representative, Brian, said a check in the amount of $994.80, check # 3027044, dated November 10, 2010 was mailed to 33317 Berkmar Dr., Suite B, Charlottesville, VA 22901 (which is a different address than they usual send payment to. Check was cashed November 14, 2010 and cleared November 17, 2010.

I found insurance with Traveler's and called Mr. Renold's to find out the status of the check that needs to be refunded in the amount of $994.80 and to notify him that I have found other insurance. Mr. Renold's said that they decided to apply the money to the homeowner's through Bank of America then they would cancel policy and refund money.

I am currently being contacted by Graham Messer representing himself as my agent. I also felt the need to sign up for an Identity Theft program.

Email reply from Byron Brown: Mrs. Smith Pearly, as I recall, I told you that we are working on the how to resolve the issue and that If there were a refund, it would be applied to your new policy. No decision has been finalized yet. I am not sure how the refund, will be handled now that there is no policy in force. My District manager is working on the situation. Once we have a resolution about the money, I will let you know. As you requested, I have cancelled the policy I wrote flat, from the effective date of June 7th.

No refund has been given.

On 4/24/2010, I purchased a homeowners policy with Farmers Insurance after doing some price shopping and switching from my former insurance company. Two weeks later, on 5/7, we were hit by a major storm with severe hail, 75 mph wind, and possible tornadoes. Our city was declared on state of emergency and there was millions of dollars in damage around the city. Thousands of people received insurance money for new roofs due to the hail and wind damage, including many of my close neighbors.

On 6/8, my roof was inspected by an independent roofing contractor and a Farmers adjuster. Both me and the roofer were told orally that my roof was indeed damaged by the hail and wind (There were visible dents from the hail, and shingles had been blown off my roof due to the high winds.), but that was because my shingles were past their life expectancy and the damage would not be covered. At this time, my roofer asked Farmers if I have a full replacement coverage (which I did) because he had never heard of this.

The adjuster must have realized that story wasn't going to fly and when I received the letter denying my claim, I was told it was due to there being "no damage" from hail or wind. Included in this letter was the portion of my policy which clearly stated that damage from age (normal wear and tear) and damage from weather were to be treated separately as long as they could be differentiated and that damage from weather was covered whereas damage from age was not. Since dents from hail, and shingles being blown all over (no asphalt shingle is rated for 75 mph wind), it is easy to differentiate the difference between age and weather damage in this case.

On 7/20, my policy was illegally dropped in retaliation for my filing of this claim (the only claim I've ever filed). Since they could not state "retaliation" as a reason, it was stated that I do not live in my house and that my house is undergoing renovations and, therefore, could not be covered. I, of course, live in my house, had lived in it for the 2 years prior to this (since purchasing it), and continue to live in it today. The only "renovations" being done were that I was repainting my house at the time, nothing that even requires a building permit.

When I called my agent upon first hearing that my policy would be dropped, he had me jump through several hoops to prove that I live in my house (which I complied with despite the ridiculousness) and wanted me to give him dates on when I'd be done painting the house. He repeatedly told me he would make sure the policy was not dropped. Yet, after logging into the website one day, to check on the status of the above mentioned claim, I found that my policy had indeed lapsed a few days earlier and I had no coverage! I immediately found a new homeowner's insurance company. Despite never contacting Farmers to tell them I had found new coverage, my agent (and nobody else from Farmers) ever contacted me again regarding my illegally dropped policy.

On 8/26, the roof was reinspected by another Farmers adjuster and a new roofing contractor. Again, the Farmers adjuster stated that the roof was damaged, but due to the age of the roof, they would not cover the damages. This time the same story was put into the letter denying my claim.

On 8/28, I threatened to report Farmers to the Department of Insurance. I immediately received a phone call from the Farmers adjuster's supervisor stating that they were investigating my claim. Shortly after, I received a call from the adjuster, stating that they would pay me for the "undisputed damages" which they were considering to be the entire front slope of my roof. They sent me a check for $1,141 (after my $1,000 deductible) to cover a total tear down and re-shingle of the front half of my roof with enclosed itemization. They claimed they were still investigating the rest of the damage.

On 10/22, they sent a 3rd party engineering company up on my roof to inspect the damage. This was after two of their own adjusters admitted there was damage, and about 3 independent roofing contractors said the same. One even circled all the hail dents with chalk and took pictures. They basically paid this company to say there was no damage. They said the only damage was to the metal valleys, not the shingles. This was after Farmers had already paid for a total tear down and re-shingle of half the roof.

We are all in agreement that my roof is old, but I am not trying to get a replacement roof because it is old, I am trying to get money for the damages due to extreme weather, which is indeed covered in my policy. If they did not want to cover the roof, they can not charge me for it in my premium. It would have to be excluded from the policy. I think it is interesting that my old roof is somehow "undamaged" by severe wind and hail, yet the much newer roofs of neighboring houses were so damaged that they needed to be replaced and were fully covered by their insurance companies.

On 4/21, I paid an attorney to send a letter to Farmers offering to settle for the remainder roof replacement costs, plus attorney's fees. There was no response. On 5/2, my attorney made a follow up phone call and received a faxed response to the original letter stating that there was only damage to the metal valleys on the front of the house and refusing to settle.

I only have a few days left now to file a lawsuit since I have played their games for the past year. I am looking for a lawyer who would take this case on a contingency basis. I have been told I can sue for much more than the amount of the roof, because of breech of contract, bad faith negotiations, etc. I am also curious, since there are so many of us in the same exact situation, if we could possibly file a class action lawsuit against Farmers.

I have Farmers Insurance, and am going through a nightmare. My home was broken into in August 2010, and the adjustor has lied and ignored me continuously. I lost my mom in March and the majority of her belongings in August. I paid for an insurance to protect me and my family. We are now five months in and there is still no resolution!

We have had our homeowner's insurance through Farmer's for approximately 14 years and we recently attempted to file a claim for the first time. After the recent storms, we have experienced some leaking into our home from the roof. We contacted Farmers to get our roof repaired. They sent out an adjuster who stated that the repairs were minimal, cheaper than our deductible. We later received a letter from Farmers stating that we will be cancelled if we do not get the repairs within a specified time frame. I feel this is awful. One claim in 14 years and this is the treatment we get.

Farmers is unilaterally and systematically changing the insurance rating criteria on clients' existing policies without verification and confirmation from the agent who wrote the insurance policies or from the client as to the accuracy of the alleged changes. The resulting in-house changes which are not accurate, result in large increases in premiums to the client which have no merit.

In most cases, the changes are fabricated by Farmers Insurance Corporate (not the Agent) to obtain higher premium rates from existing clients. Then the agent takes the heat for this bait and switch mentality of Farmers Corporate. In one case, Farmers Insurance, without the agents knowledge, added a porch to a client's house and increased the premium. The client clearly does not have a porch.

In three other cases, Farmers changed the insurance criteria of a home owner's insurance from a brick front to all vinyl and raised the premium. If the client ever had a fire, Farmers would claim that the house never had a brick front or blame the agent for the error. In either case, my guess is that they would not pay off the claim. Farmers also initiated a new quotation system that resulted in lower rates to new clients and although the rates were lower, did not notify and disclose to existing clients that the rates were lower nor did they offer to lower their rates. I believe that Farmers Insurance is using deceptive pricing practices and should be investigated for fraudulent billing schemes. On a national/global basis, this may be costing consumers millions in excess insurance costs.

Because I value and respect my clients and their needs, and because I value my integrity in the industry, I have resigned as an agent of Farmers Insurance. I cannot in good conscience represent such an unethical organization. This should be investigated and Farmers should be forced to come clean, pay back all of the excess premiums they have collected as the result of such scams, and publicly apologize to the public and clients that have been harmed. Farmers executives should be fined and be given long term prison sentences.

First, I would like to thank you for taking time out from your busy schedule to contact me, a long time Farmers customer, with answers to my questions about my recent claim. Your attention to your customers' concerns is probably one of the reasons that both J.D. Powers, an insurance rating company and Consumer Reports, a consumer rating magazine, both think so highly of your company.We seem to have some confusion about the facts on my recent claim so let me review the chronology that led to Farmers' decision to deny the above claim.

In May 2010, after a thunderstorm, I noticed approximately three or four shingles lying on the ground on the east side of my house. After a cursory examination that revealed no blank spots on the roof, I assumed that the shingles must have blown from my neighbor's house. Unfortunately that was not the case. In August, when I was in the backyard barbecuing, I noticed missing shingles on the ridge cap in the back on the northeast side.

The next day I contacted a roofer, M.C. Roofing. On August 3, 2010 the roofer examined my roof and said that I did have missing shingles, but I also had extensive hail and wind damage on the roof and that I should contact my insurance company. On Friday, August 6, 2010 an adjuster from Farmers Insurance came out and inspected my roof. After an inspection over the entire roof, he told me that I did have hail damage in the amount of about $250.00. He further advised that I should have the roof fixed as soon as possible because not doing so could adversely affect any future claims.

Since my deductible was 1% of $170,000 (for a 1387 square foot house), he said I would have to incur the expense for the roof repairs and Farmers had no liability. He made no mention of builder defects in his repair recommendation. Okay, fine, I call M.C. Roofing back and they come on September 3, 2010 to repair my roof. At that time the roofer advised me that the valley in the front (southwest side) of my house needed to be reinforced. I authorized it and he completed the repair of the roof in the front of my house.

On September 24, 2010, Fort Worth, Texas experienced a prolonged torrential rain event and by 6 am it was raining in the rear of my house. My mattress, walls, ceilings, carpets and a Dell Inspiron 1521 laptop were all soaked. I called my longtime insurance company, Farmers, as per the terms of my Replacement Value Homeowner's Policy. A new claim 1016925226-1 was opened and I was informed that an adjuster would be at my house on Thursday, September 30, 2010 between the hours of 10 am-12 noon.

Instead the adjuster and his accomplice called me about 830 am and said that they were en route to my house. I had already told him that I was teaching a class at Tarrant County College and couldn't be there before 10 am. He assured me that they would work outside until I arrived. When I got home, they had done both the outside and the inside inspection, were removing their boots and packing to leave. The adjuster told me that he had determined that the leak was in the rear (northeast side) valley of the house. He told me that there was a builder defect when the house was originally built in 2001 and that the inside of attic, where there is insulation, had been collecting water (I guess since I moved in, in November 2002) and because we had so much water on September 24, 2010, it caused it to leak into the house.

I agreed that the leak appeared to be coming from the rear (northeast) valley and I asked what our next step was. It was then that the adjuster told me that because the leak was a builder defect from eight years ago, Farmers had no liability and that I wasn't covered under my All Peril HOA Homeowner's Policy. I disagreed with the possibility that somehow a builder defect had lain dormant for eight years and I questioned his finding. It was then that his accomplice interjected that the builder defect didn't have to have been there since the house was built, it could have come later. Huh? Anyway, I asked them to leave because I was extremely upset.

A few days later, after talking to my agent, I was subsequently advised that the claim was denied due to a faulty roof repair. Nothing was ever mentioned about a roof repair and the repair was in the front (southwest) valley, not the rear. I have incurred an estimated $7700 worth of damage that Farmers refuses to cover. In an attempt to remedy this unfortunate situation, I am contacting the Texas Board of Insurers, my State Rep. Marc Veasey, Wells Fargo Mortgage Company and local newspapers. Thank you so much for your kind and caring concern and for being willing to accept thousands of dollars in premiums for coverage that was basically worthless.

I have a friend and her husband works in a roof company. They came to visit me one day and he asked me if my roof was covered in my home insurance policy. My answer was a firm yes. I asked him why. He said it's because I have hail damage and I have to make a claim. Then some days later, I made a claim. They sent an adjuster and the results: "No, your roof is not damaged. It is in very good condition and you don't have to fix it until 7 or 10 years ahead." Then I called his supervisor and she asked me if my roof had a huge hole or it was leaking and I said no, but I don't want to wait until my house starts leaking. She suggested me to talk with my agent. I went to talk to my agent and he said, "Okay, if they went to check your roof and they said there is no damage, that means no damage." I got confused about it, but at least and after some other incidents with my agent, I realized that he never helped me in many other problems I had with my cars and now with my house.

I was convinced that I needed to find another agent and by that time, a huge hail storm damaged my roof, but I was in shock when the adjuster came to check and told me that my policy had a special endorsement that says I had to be paid just half of the total amount of estimate because my house was built in 1950 and the roof was very old. And the adjuster suggested me to contact my agent. I didn't anymore and I called my agent's supervisor. The supervisor called my agent, Dave, and asked him to review my policy. Then Dave sent some other adjusters from Farmers to re-check the roof and try to find a way to stop Farmers to pay the roof repair. Farmers Insurance is the only company that has that kind of procedures. I was talking with my neighbors and most of them had State Farm Insurance and they do not have any problem at all.

We purchased a Homeowner's Policy from Farmers along with a supplemental "floater" to cover additional jewelery including my wife's engagement and wedding ring. In the policy /floater it specifically states the additional coverage (for which we paid an additional premium) is for insurance of of the items detailed in the floater-listing her rings.

One evening, my wife noted that her 1.5 ct diamond looked "cloudy." After taking it to a reputable jeweler it was determined that the diamond was cracked, not totally uncommon but for which there is no universal cause and according to the jeweler would be covered by our floater. We contacted our Farmers agent (Bill ***) to file a claim who immediately passed us off to the claims agent providing a phone number only and not even making the effort to make a call.

Long and short of it, Farmers made every effort not to cover this loss. During one stage of the investigation the adjuster even contacted the jeweler after receiving his report asking him to re-write the letter using "her words". In addition when I spoke with the Claims Manager he had to go to his legal team to get an explanation of "marring" which the term they used for denial of coverage. If this is in their policy and is being used as the reason for denial of the claim shouldn't the manager know what "marring" is.

Farmers informed us that their floaters provide no additional coverage for the items listed in the floater outside of what is covered in the homeowners policy and for which a premium was paid. Even sillier, they explained if the diamond was completely lost suspiciously it would have been covered! Marring is a term listed in their Homeowners coverage as it pertains tho the structure and integrity of a residence - no mention on how it applies to jewelry.

As a follow up we made several calls to several other insurance agents/brokers including Allstate, Safeco etc. to verify this explanation and took the ring to several credible jewelers and every one had the same response "That's ridiculous! " and "What is marring? " "Never heard of such a thing, this stuff has always been covered. "Most floaters are all risk world-wide."

I incurred a break-in at one of the houses my husband owns and thousands of dollars in items were stolen. My husband has landowners insurance on the property that was broken into. I had taken the items that were stolen over to the house from my personal residence to work on the house. Initially, my insurance rep said the personal property would be covered by my homeowners insurance, since it was personal property that I had taken over there to work on the house. I received a call today. They said that because the property stolen was at a house that my husband owns and he only had fire insurance on the structure, the personal property would not be covered under my homeowners insurance. She stated there is an exclusion that states if the property is at another house owned by me (which it is not, it is my husband's), that it is not covered.

That is the craziest thing I have ever heard. I asked her if I had been anywhere else and the theft has occurred, if it would have been covered. She said yes. So, I guess I cannot take stuff I own to work on another house I own and have it covered in case of theft, unless the house where the theft occurred has insurance to cover it.

This is the second time in the last 6 years that Farmers has not been there for me when I needed them. A few years ago, I had both wind and hail damage done to my house by two severe storms that came through my area. They filed two separate claims and denied them both, even though I had shingles ripped off of my house. I paid out of pocket to redo the roof and kept all of my receipts. I planned on taking them to small claims court. Before I did that though, I wanted to change insurance companies. Well, no one would accept me because of the two separate claims Farmers filed and they never paid a dime on them. How much worse can it get? I cannot wait to dump them and go with an insurance company that is there when you need them, instead of taking your money for years and years and practicing deceitful ways to screw their customers.

Due to extreme premium increases on auto insurance, I decided to shop around after 15 years with Farmers. I found an affiliate Century 21 that offered multi-policy discount since they were affiliated. Two weeks in advance (before expiration of policy), I notified Farmers of my change effective May 6, 2010. I received a cancellation notice reflecting my wishes.

At the same time, I received this letter my escrow account was billed for an additional $307.00 loss of multi-policy discount without any notice. On May 16, 2010, I received my home owners declaration which reflected an increase of $350.00. I immediately contacted my mortgage company, and learned two of two different billings one for approx. 1,500.00 home owners, then another for the $307.00 no multi-policy discount.

I contacted my agent Robert ** about this situation. Robert stated, "it's not fair but under 70h law, they can do that". Well, after that I immediately found another home owner policy with Liberty Mutual company. That policy went into effect on June 16, 2010, and I canceled Farmers. I received a refund of $1,336.87 out of 1,813.00. I calculated a break down of the difference monthly at $125.50 for two months $251.00 giving them a benefit of doubt, leaving the balance refund of $227.00. No refunds whatsoever. They offered me $40.00.

My auto insurance started out in 2004, brand new $880.00 annually now over $1,110.00. One claim for a shot out windshield driving down the street. My home owners for 15 years. One claim on hail damage. I had to fight for started at $633.00 annually skyrocketed to a staggering $1,813.00 annually.

I would have not changed insurance companies if not for removing money from my escrow account without notification, and unfounded premium increases. This in return has caused increases on my monthly mortgage payments. I would never recommend Farmers insurance company even if I hated them!

Our cabin in Wisconsin received severe roof damage due to a hail storm. Other neighbors (including the construction engineer right next door) had their roofs replaced. Farmers denies we have hail damage, and then they canceled our policy with them saying they couldn't cover us because our roof was so damaged. We have to pay $5,000 for a new roof.

They make you insure your home for a ridiculously high amount causing you to have a ridiculously high deductible ( my current deductible is $9,500). Then because every thing on your house isn't new they depreciate it even though the policy is based on the replacement cost of your house. After hurricane Katrina, I had $32,000 damages and was fortunate to recover $17,000 from the insurance company. Five years now since Katrina and my premiums have more than repaid what the insurance company paid out to me, and now this year they just doubled my premiums for no apparent reason.

I Have A Farmers Home Owners Protector Plus Policy With A $500.00 Deducibles. Bought Policy In Apr 1996 SQ Footage Is 615 SQ . Policys SQ Footage Was Changed Right away May, June 1996 To 1,050 and 1,070 SQ Footage. I Contacted The Agent Said the SQ Footage Is Wrong He Said He,d Take Care Of It . But Never Did Called Wrote Letters IN Person Still Not Changed Year After Year Went By. And I Am Still ON This Persons Case. Tell Me Ok Then Not Do Anything .All this Time Now I Have Been Over Charged On My Premium Double Plus Fees.

The Agent Died And Still No Change. New Fill In Agent Tell This Person He Really Did Not Want To Mess With It He Was Temp Only. So A Nother Year Goes By. Now New Agent Comes In SHE Says Shell Take TO THe Under Writers About It 6 Months Go By I ask What Going On Still Checking. ONe Year Two THREE FOUR So on And So On And I Am Always asking When Is This Going To Stop Its Killing Me Money Wise I Found Out She Was Not Even Trying To Fix The problem of SQ Footage She Said Every Body Was Scared To Do Anything Cause they Would Have to Back Pay! I Contacted Claims Ajusters So ON SO ON Same Thing Will Take Care Of It!

THIS STARTED IN 1996 And Did Not Get changed Till 2009 My Agent Lowered The Premium From $1,386.20 TO $1,178.23 For That Year That Was Already Payed For . And I Still Didnt Get A Refund Called, Wrote Inperson No Refund. 2008/ 2009Wells Fargo Gets Re Billed Went Back Up To $1,377.25 With 616SQ Footage And Thats Also With A Vehicle Discount. And Still No Refund . SO IF There Is Anybody Out There That Can Help With This Rally Really Big Error From 1996-2010 OF overgharging On Premiums.

Also Put In Claim For Winter Storm Inside Roof Condensation And Ajusters Come Out Took Pictures Of Out Side Walls With Water Staines Running Down Walls Molds Growing Went Up Into Attic Took Picures Of side Eves And Said Pre Water Damage From Poorly Installed Trudle Vent Poorworkmanship Claim They Called Icedamdamage.So Claim DENIED. I Got This In A Leter Weeks Later. Im 52 Years Old And Have Back Disabilities (Fused). It Took Me A LOng Time To Get Up THere But I Did. AND IT LOoked Like A Vplow Went Throw. I Looked at what was to be Roof Rot. But Was Really Roll Roofing And Tar Holding It In Place Not Bad Roof.

Had A Lic, Bonded,Certified By State Of Minnesota Roofer Give Sworn Statement That Roof Vents Where Installed 100% Right And AS Far As He Could See No Prior Water Damage In Past. Took Pictures Of All And Sent Letter, Pictures E-Mail To The Claims Document Center Along With Reqest For Refund SQ Footage 1996-2010. Only Got Back Recorded Phone Calls . The girl In attic Said She The Other Ajuster That Was With Her Here At Home And The Two Other Ajusters That Were Out At The House!. Whitch Was Them! Two. and there supervisor A so called 5 Person Reveiw Said they Looked Everything Over And They all decied that there never was an ice dam so claim DENIED. END OF STORY. CLOSED AND WILL NOT BE OPENED AGAGIN.

2010 Had a bad Snow storm Driffed The Vent Shut Water Condensation Like Crazy Had To Go Up On Roof In 58mph Winds Gust!!. I Almost Lost My Life Because Of that Storm But Anyways Turned In Same Claim Condensation Icedam Damage Got Only Phone Call Back Saying From Same Girl That Was Up in Attic That I Could Not Use Old Claim#. I Had To Do New One And That I Could Not Use The Old Claim Of Ice dam damage Like That You Had Last Year. And That Is Also A Left Recorded Message. Now Does That Sound Like Ther Was Ice dam On The Roof. The Girl Even Said There Was A Ice dam on the house last years claim. The End. SO if anybody Knows what one can do to get some action Out of this company Please Let Me Know. Im Going To SEND Them A notory affitdavit statement with old claims numbers And Current Pictures Of Ice dam damage and see what they got to say now.

I Was layed up For A long time and almost blown off and killed for going up there on that roof to open the vents. Also pain suffering From My back And Also All The overcharged moneys of the wrong SQ Footage. For Years ANd Years And Being Told and Told so that would be knowing about an error of overchargeing and i think that could possible be called fraud! So I Would Like To Get Money Back REfund And Also Get All this Mold OUt of the attic, Insulation, In Atic, Walls, Basement, Basicly All Threw The House Top To Bottom. I Have Got Dehumidifiers, Fans Any thing that blows or moves air around But The Walls Show Water Damage Inside And Out. So I dont know how good the wall wiil dry out. So All I Can Say Is HELP!

repaired. Our home is a major asset in our estate and what they want to do will decrease the value of it as an asset. the adjusters told us one thing in our living room, but what they wrote up was different. Then they screwed up all our car insurance. It looks like to be harassment to me

If we accept their settlement offer, we will not be able to have any guaranty on our roof. The repair they choose to do will create a patchwork effect on the roof and the roof will have varied levels and colors. We would have to totally redo it to have any uniformity at our own expense and nobody would buy this house should we have to sell. What's the point of insurance. We have been paying them almost $6000 a year for at least 10 years.

On May 10, 2010, I had hail damage to the roof of my house. I called the Farmer's Insurance HelpPoint claim's line and filed a claim. A few days later one of their adjuster's, Kevin B, came out to evaluate the damage. He wrote a report. Then wrote me an intial check. Below is a summary of what happened next:

Page 5 Summary for Dwelling shows a replacement cost value of $8,297.67. The depreciation withheld was $1,884.94 which brings the Actual Cash Value to $6,412.73. My deductible was factored in and I was given a check in the amount of $5,412.73. Kevin told me that the depreciation amount, $1884.94, would be refunded to me once I show that the repairs have been completed, or when I fax a signed copy of any repair agreement. He told me that this depreciation was for the roof and the carport. After he left I sat down and re-read his report. Page 3 shows the roof depreciation amount of $1,115.13. And, it shows the carport depreciation amount of $611.20. The roof, and carport, depreciation totals $1726.33 not $1884.94 as stated on page 5.

I called Kevin and informed him that his math was wrong and there is $158.61 extra that isn't accounted for in the report. He told me that they always figure in a little extra for unforeseen issues like damaged decking and such. Sure enough, when the shingles were removed, there was some damaged decking that had to be replaced.

Page 4, and page 6, both show a code upgrade in the amount of $590.40. Kevin explained that this is because I had two layers of shingles and code is only for one layer. He told me that I would be paid an additional $590.40 for bringing my roof up to code. So, adding the roof depreciation, carport depreciation, and code upgrade, brings my total recoverable depreciation amount to $2316.73. That doesn't even factor in the floating amount of $158.61.

When I spoke to Kevin on the phone I asked him if the $2316.73 can be added to the $5412.73 amount that I had already been paid in order to obtain a final figure for how much I can spend on repairs. He said Yes. As you can see $2316.73, plus $5412.73, is $7729.46. I signed a contract with a local construction company to do all the repairs to the roof, carport, gutters, and fascia boards (which the claim document is calling siding). The construction company agreed to do all the repairs for $7500.00. This is less than the amount that I had available to spend on the repairs.

As Kevin instructed I faxed a copy of the signed repair agreement to Farmer's and referenced my claim number. My claim was assigned to Leann A. I called Leann yesterday morning and asked if she had received the paperwork that I had faxed last week. She said she did and would be working on my claim that day. She called me a few hours later and told me that the paperwork is done and that she would be issuing me a check for $1315.02. I asked her why the amount was so low and not the $2316.73 that I was expecting. She stated that she had to withhold my deductible. I told her that my deductible had already been factored in on the day that Kevin wrote the original claim and wrote me the first check. She then started accusing me of trying to make money on this deal. I told her that I was not out to make any money. I only wanted what was promised to me because I had counted on that money when I signed the repair agreement.

Again, the original check was for $5412.73. She is cutting me another check for $1315.02. That brings the amount to $6727.75. I signed a repair agreement for $7500.00. Since my deductible has been withheld twice I am now short $772.25. I had to cancel the repair that was to be done on my carport. Luckily the repair hadn't been done yet. Otherwise I would have had to pay for it out of my own pocket. I emailed my insurance agent and told him what is going on. I faxed him copies of everything. He looked it over and actually quoted me a completely different price than what the previous two adjusters had told me. So, that's three insurance agents, quoting me three different prices, based on the same claim. I'm debating whether to file a lawsuit and have a judge decide what is right and fair in this case.

We have an extremely complicated case that NO ONE will help us with. We were building a house, on February 28th 2009, it burned to the grown. It was invesigated and ruled an accident. Farm Bureau mailed us a check without ANY discussion with us on our losses for $157,400. Since our losses exceeded well over $220,000 we refused to sign the check and accept it as final settlement. This caused our bank who held our construction loan to file suit against Farm Bureau. It dragged on till April 2010 when Farm Bureau settled with the bank to end the lawsuit. This lawsuit HAD NOTHING to do with us and any final settlement between us as the insurance policy holders and our insurance company Farm Bureau.

However, our two attempts to get the Michigan Financial and Insurance Regulation to PLEASE look at our case. They didn't even read our complaint. first they sent a "case closed" and when I called her crying, it was OBVIOUS she didn't even know the basic facts about our case. So she said she would "look again" but this time only photocopied Bradley Copeland's reply stating a bald faced lie, that it was all settled in court and we had no claim. Nothing was settled in court. Other than they agreed to pay our bank more money. They STILL REFUSE and intend to NEVER clean up the fire debrit, which makes our property useless and of no value to sell.

We owed so much money after the fire for construction costs that we were forced to file Chapter 7. This has now led us to being in jeopardy of foreclosing on our current home and forced us to lose the $6000 equity we had in our primary vehicle. We LOST everything, not just the house that burned down. All because in Michigan, Farm Bureau practices their craft of lie's without anybody haveing the power to stop them. They decided they would only give us $157,400 for our fire which might as well been $1 since the end result is the same.

The Michigan Finance and Insurance Regulaton office just simply washed their hands of us and said, "hire an attorney". We tried that route once and all it ended up with was a lawyer who wanted us to do everything Farm Bureau wanted us to do, and then every time we talked to him, 10 minutes was spent on our case and the other 50 minutes was on how he needed to be paid and we needed to ALWAYS be coming up with more money than we had already gotten him. We can't find anyone who cares that this fire has ruined our lives. we've lost everything and Farm Bureau continues to advertise for more poor unsuspecting souls to pay them for NOTHING!

If you contact Bradley C., you must understand that he will tell you almost all lies. we have the evidence, but is anyone out there going to spend the 20 hours it will take to KNOW the actual situation? Right now, all we could afford to do was put a billboard up at our burned property stating who the insurance company was that isn't cleaning it up. And a presentation to help explain. In contrast our nieghbors lost their house to a fire this last Christmas and within four months their insurance company "Frankenmuth" has rebuilt their home, cleaned what effects could be salvage, housed them, stored their items and over-all was amazing. They have a hard time looking us in the eyes because they feel so guilty they were treated so good. We keep trying to tell them that we are SO happy that they didn't get treated liked us. Because they had Farm Bureau when we had our fire, but after seeing how we were treated they switched and just in time because we know what would have happened to them!

If anyone reads this and cares enough to actually fight on our behalf One, I'll be AMAZED and two, so grateful. We are so tired of trying to find compassion. I wish we had had no insurance at this point because the outcome would have been better. We wouldn't have been dragged to court with no hope of any ruling in our favor unless we could afford an attorney to put in a counter claim. the one we hired didn't even attempt that much but gladly took every dime we had. Would you want to lose EVERYTHING you have because ONE asset gets destroyed in a fire? Is that what you believe should happen to you?

I have had this insurance several years and now I have a problem. I have mold in my home, a leak in my roof from rain and it has come through at fire place ruining whole side, inside my home my wall in living room, upstairs my bedroom and in my rafters. The adjuster states unless there is a hole in the roof, they won't fix it any of it and says it has to be windstorm. That's not right. I have trusted them with my home and they have taken my money for years for what, this is as always insurance lies to not cover their obligations. Please help if you can.

My elderly parents home burned down on 12/2008. Farmers was quick to settle on the structure but as of 03/18/2010, I am still waiting for them to pay for all of personal property. A large list of personal property items were submitted on 04/2009. It took them until 12/2009 to pay (after I called the Texas Insurance Commissioner). After reviewing the list, I found they had completely missed eight pages of items and I am now waiting for that to be priced out and paid. It has now been an additional almost four months!

If my elderly parents had had to deal with this themselves, they would have "dropped" it because of the hassle and Farmers Insurance Group would not have paid what they owe! I feel like that is what they are hoping for, that most people will "give up"! All I want is what is due my parents so we can be done with this and try to move on. This whole ordeal has been very stressful on my elderly parents, who do not understand why it should take so long.

I use Neefus Stype Agency for my Homeowners policies. I am not an expert, but they should be. I had some damage from the storm over the weekend. I keep calling my agent who, oddly enough, could not interpret my coverage. I was told I had to wait for the adjuster to tell me if I was covered or not. Large trees fell on my car. I asked Farmers Insurance reps if I was covered for debris removal, to get rid of the trees. I was told by two different people, "I can't quote the coverage, but it has to be done anyway, right?". I think they knew damn well I wasn't covered and didn't have the guts to say it. I called my agent at Neefus Stype and they couldn't tell me what I was covered for.

They wrote the policy! How could they not know what my coverage is! The adjuster from Farmers said he could not believe the agency wrote a policy like this and mine wasn't the first one he has seen like this. I think the agent knew I was not covered and refused to commit to anything when I called. I have damage to my roof, gutters and $2500 in tree removal that Farmers will not cover, not one dime of it. My yearly premium is $2500. I'm paying for what? I'm going to ask my agent that question tomorrow.

I am a home owner who has had insurance with Farmers Insurance on this home for the last 9 to 10 years. When I purchased this home in December 1999 it went through inspections and later found out that the roof had to be replaced. After the roof was replaced it was inspected again and we closed on the home. Farmers gave it a clean bill of health, so to speak.

In 2005 El Paso experienced inclimate weather which is not out of the ordinary, rains and strong winds and I started to notice leaks in the master bedroom, garage, and front entrance to my home. Farmers came out to inspect the home and the adjuster took pictures, measurements and she said I should have a warranty on this roof. We later found out the company who had did the roof went out of business. Farmers said they would not cover it due to preexistng conditions and depreciation of my home.

Then in May 2005 El Paso experienced a hail storm and again I called Farmers Insurance and they came out while I was at work and gave an inspection and left a check in the mailbox for $1716.84, he (the adjuster called via telephone) later called and said they would cover only the garage portion, he did not even mention my sky lights and I asked about the interior and again they claimed preexistng, etc. By this time I had major damages. That amount was a joke, I had only minor repairs done just enough to hold us over. I could not even replace the sky lights with that amount.

Then in September 16, 2009 El Paso again experienced a major hail storm with hail the size of golfballs. I even saved several of it in the freezer for evidence because I know how Farmers Insurance has not been working with me. Again they come out, toke their pictures did their measurements, Mr.Russel S. gives me a letter showing my deductable of $500.00 and leaves. Later I get a letter from Farmer Insurance that they will not be covering my roof replacement due to not replacing my roof in 2005.

Then I emailed and called and left a message to have them call me back as I wrote them a letter of how disappointed I was with their services. I have used Farmers Insurance for my house, car, and life insurance in the last 20 or more years. They have done nothing of great interest to help me, while most of all my neighbors have recieved $4500 to even $8,000 with no problems with their insurance companies they are shocked to see and hear of all the damages in my home that have not been covered.

I spoke to Mark J. in the main office of Oklahoma and he said they would not be covering my roof due to not replacing my roof in 2005, in which $3917.00 (the $1716.00 included) was so called alocated to do so. I called my mortgage company to see if they knew anything about this and they did not have any file on this. Now I have extensive damage and it is a nightmare to live with when I pay Farmers thousands of dolloars a year.

Farmers Insurance has now placed me in "inactive status" and still do not plan to cover my roof. In this last hail storm I have had a back sliding door shattered, a back window broken, the storms have caused mold to grow in my garage and I am constantly spraying it with clorox, I have two major fire hazards in the garage where water drips directly on to the electrical box, and in the main entrance where water drips from the lamp fixture.

This home is not just a fire hazard but a health hazard. Farmers Insurance has continually failed to support me and has continually denied my home of any roof and interior repairs. If they would have fixed my roof the first time in 2005 this house would not have the major extensive damage it has now. I want my house to be fixed the way it should be.

I had a homeowners claim for storm damage along with a large portion of my city and had a senior adjuster from farmers show up and tell me I had only hail dents in my vent on the roof and a hole in my sideing. NO ROOF damage. So I had to call and complain and email the pictures I had taken of the actual hail that hit my property to my agent and she called claims as well. I got a second "inspection" to be told they would only replace 56 shingles on my whole roof. They totaled my garage metal roof and paid for all the gutters and downspouts for hail dents. But adimantly refuse to pay for the older part of my roof claiming"wear and tear". But i had the home for only 2.5 yrs before this claim. They said the pictures i have of the shingle being whole before the storm being intact and broken and still on the roof after the hail only proved they were accurate. Not that the actual hail broke the shingles. Kips supervisor has never returned a single phonecall to me or my agent and farmers said that "i am just trying to get them to pay for a roof that should have already been replaced prior to the storm" not that they insured it the way it was and took my money happily for 2.5 yrs and I am entitled to the policy protection I signed.

Had hail damage to siding and roof, confirmed by 2 contractors. The houses on my street were repaired by their insurance companies. After an adjuster looked at it, they denied the claim. Then I receive a letter from them saying that they do periodic inspections to their covered properties, and there is damage to my roof, and siding so they are cancelling my homeowners insurance.

Marianne was my home insurance agent for many properties over ten years. Her quotes were always very high. I got her flyer at the mail. Since I was busy so I didn't try to get the quotes from other insurance agents. But whenever I had time. I requested from other insurance agents. I can get better rates. I changed to other insuance policies in the past several years but kept one.

Until 5/09, I requested Marianne to try to give me better rate for the rental property that I kept with Farmers. But she insisted her rate was lowest unless I increase my deductable. So I requested the quotes from AAA. I got the quotes were $500 less then Farmers. It could be applied to different deductables.

So I told Marianne to cancel my policy with Farmers. She threatened me to charge $140 of the "Short rated" fee if I cancel the policy with Farmers. I refused to pay since I never got or heard about this charge. (I canceled many policies with her in the past, but she never charges me before.) I told her I canceled this policy 10 days before the due day. She should refund me the difference. But she still sent the bill to me in May of 2009 and to the collection service in Aug. 09.

I contacted Farmer's insurance to inform them of what had happened. The adjustor came back out to my house and left a check to replace the ONE cabinet for the amount of $869. However, she led me to believe they had left me a check for over $5000. This adjustor was extremely rude and unprofessional with her attitude. I contacted my agent only to hear that this was the second complaint he had on this adjustor so he contacted the District office.

I told them I am not happy with the results of their adjustor. By them only wanted to replace the one cabinet, countertop and backsplash my kitchen will now have a mis-match of cabinetry which will depreciate the value of my home. I was led to believe that my home would be replaced to it's original value and prior to this incident. Now they tell me they are only paying to replace the one cabinet because my cabinetry in my kitchen is not continuous. I argue this fact as my cabinets are continuous, all of which are the same.

I have even filed a complaint with the Texas Department of Insurance, which was a joke too. I thought they were there for the consumers, but it appears they are there for the insurance companys too. Why do we pay such high prices for insurance to protect our property when it appears all they are doing is taking our hard earned money and placing it into their pockets.

I was told I could file for an appraisal of my property at my cost and Farmers would have their own.. yada, yada, blah, blah... But, after reading the MANY complaints against Farmer's and how some of you have also gone through these steps it sounds as if it would not only be a waste of my time but more expense out of my pocket as well.

I have posed the questions to the District Office, the adjustor, Denise F., her supervisor, William M. as well as the Texas Department of Insurance in Austin where I filed my complaint.. along with many others and I ask you, "if this was your house and your insurance company told you they were only going to replace one cabinet in your kitchen, not the cabinets beside it or above it, Would you be happy with that decission??" Guess what their answer was.... They ALL said a deffinate NO!"

So then why then will they not take care of this! Now I have to go to further expense of taking out a home improvement load to put my kitchen back to it's original value. I can tell you one thing,, once this is all said and done, I WILL Cancel my insurance with Farmers. That would be my home and my three cars. And before I get another insurance I will be asking alot of questions about what is covered and what is not then verify that I have it in writing in English that we the consumers can understand without all the loop hole garbage.

I have now been without a kitchen sink for over two months during this fight with the insurance company. I have to wash my dishes in my bathtub and I still have a hole in my floor and hot wires taped to the wall. I have two of my grandchildren living with me, ages 2 and 4. It has placed not only place a hardship on myself but a danger to my grandchildren. Now I have to go into a financial debt to replace and repair my kitchen to it's original value. Yes, I am angry and extremely disappointed in Farmer's, my agent and the Tx Dept of insurance.

I had a slab leak under my kitchen sink, which was reported on May 14, 2009. I was told to get an estimate for the repair. I submited two estimates at which time they told me I would need to get more because they felt they were to high. After submiting another, which was higher then the previous they gave me a check to begin the work of pulling my kitchen sink, counter, back splash and cabinet to get to the leak. During the removal of the cabinets they fell apart due to water damage. I contacted Farmer's insurance to inform them of what had happened. The adjustor came back out to my house and left a check to replace the ONE cabinet for the amount of $869. However, she led me to believe they had left me a check for over $5000.

This adjustor was extremely rude and unprofessional with her attitude. I contacted my agent only to hear that this was the second complaint he had on this adjustor so he contacted the District office.
I told them I am not happy with the results of their adjustor. By them only wanted to replace the one cabinet, countertop and backsplash my kitchen will now have a mis-match of cabinetry which will depreciate the value of my home.

I was led to believe that my home would be replaced to it's original value and prior to this incident. Now they tell me they are only paying to replace the one cabinet because my cabinetry in my kitchen is not continuous. I argue this fact as my cabinets are continuous, all of which are the same. I have even filed a complaint with the Texas Department of Insurance, which was a joke too. I thought they were there for the consumers, but it appears they are there for the insurance companys too. Why do we pay such high prices for insurance to protect our property when it appears all they are doing is taking our hard earned money and placing it into their pockets.

I was told I could file for an appraisal of my property at my cost and Farmers would have their own.. yada, yada, blah, blah... But, after reading the MANY complaints against Farmer's and how some of you have also gone through these steps it sounds as if it would not only be a waste of my time but more expense out of my pocket as well.

I have posed the questions to the District Office, the adjustor, Denise F, her supervisor, William M as well as the Texas Department of Insurance in Austin where I filed my complaint.. along with many others and I ask you, "if this was your house and your insurance company told you they were only going to replace one cabinet in your kitchen, not the cabinets beside it or above it, Would you be happy with that decission??" Guess what their answer was.... They ALL said a deffinate NO !!"

So then why then will they not take care of this! Now I have to go to further expense of taking out a home improvement load to put my kitchen back to it's original value. I can tell you one thing,, once this is all said and done, I WILL Cancel my insurance with Farmers. That would be my home and my three cars. And before I get another insurance I will be asking alot of questions about what is covered and what is not then verify that I have it in writing in English that we the consumers can understand without all the loop hole garbage...

During the remodeling which took about 6 months, All my brand new appliances (worth $15K) that were stored in a locked up garage were stolen from the insured property. When I filed the claim I was told sorry theft is not covered for properties under remodel.

THEY SOLD ME THE WRONG POLICY WITHOUT TELLING ME RELEVANT DETAILS! I lost $15K worth of appliances and had to live in a kitchen with no appliances for 4 weeks - eating out every single meal.

Having wind at speeds over 75 mph I inspected our roof. After noticing substantial damage I contact Farmers claim service. They sent out C. Pewe of their Catastrophic Claims Team I was told that I only had $596.39 in damage. All the while my roof felt is showing. My neighbors next door, behind me, across the street all have new roofs. The roof on my house has much, much more damage. I contacted a roofing contractor, Barrett Roofing Service. They have over 28 years in the roofing business. They inspected the roof and suggested I call Farmers again and have another claims specialist come out. They could not beleive that Farmers had rejected a new roof.

This time Claims representative D. Hendrickson came out and met with my roofing contractor. I was again told that my claim totalled $695.73. My contractor was dumbfounded. I also hired a Professional Engineer who stated that the roof needed to be replaced. I received a letter stating that the the county building code verified the 3 tab roofing met current code. What does that have to do with anything! I decided that I would just go ahead with the repairs. This time I went on the roof. What I saw was horrible. At that point a started calling Farmers again. There is NO way this roof can be fixed!

Everything that my engineer said was true. I contacted Claims Supervisor P. Murray, he promptly told me tough thats our decision Gee thanks Phill. I really felt like you could give flying crap! I felt all we would do is put a band aid fix. I told my roofer to do EMERGENCY REPAIRS. I have always done my due dilegence to protect my property and keep the roof form leaking into the living area. Thank goodness because we had 8 inches of snow a week later and another 3 inches again today.

At this point I have gone into Appraisal. What another joke. The letter states that I need to make written demand for appraisal Problem being where do you send the letter? I have made 6 different letters for demand and I am sending one to each address that I can find! I have been a loyal Farmers customer for over 30 years. I have never put in frivilous claims. I contracted with them in good faith to protect my homes and autos. I have never been treated this poorly. I thought that I was protected. Why do we pay for insurance. Farmers HelpPoint what a joke.

Last year 2008 we changed our home and auto insurance to Farmers Ins Group because they offered us a better deal than the company we had been with for 20 years. We did get better coverage for less cost in 2008. But now a year later the insurance premiums are arriving for 2009 coverage. We own 2 vehicles and also have our home insured with Farmers. Our rates have risen drastically. We have not had a claim or accident in over 20 years. Our credit rating is excellent so we wonder what is happening here?

When we called our agent he said across the board rates are going up 15%. Ours is up appx 25%. Plus they do not allow monthly or quarterly payments. So we have 2 choices to pay in full or pay a $101.00 late fee, it is not presented as a late fee but that's exactly what it is if not paid in full now. This fee is for only one 1994 vehicle and then they only allow the client to make 2 payments to pay off the entire premium. We have not received the premiums on home and our other vehicle yet, but did receive a estimate of our cost for insuring both vehicles and our home in 2009.

It will be at least 25% more for premiums this year and that's if we pay in full by April 2009. If we do not pay in full by April, fees will be tacked on to each item insured. They do not call it a fee either. They say we can get a discount if paid in full or pay a higher rate in two payments. Now remember this is for a 1994 vehicle that is rarely driven, a pick up truck. Our discounted rate for this one vehicle would be $474.40 if paid in full by April. Our optional 2 payments would cost us a total of $575.40. Now come on, what is wrong with this picture? It smells of robbery to us.

This is how we are treated for never having an accident and never filing an insurance claim in over 20 years. We will be finding another insurance company, but wanted folks that are insurance shopping and will hopefully seek out this site, to know Farmers is not the insurance company you want to go with no matter how great a deal they show you for the first year. It's sad that in a time of such difficult economic times for us all, that this insurance company would take advantage of their clients.

I received a collections letter from Farmers in the mail. I called to see why I had been sent to collections and Kristen informed me that I had been charged a short rate cancellation fee of $199. I cancelled my homeowner's polciy with Farmers and switched to another company without any lapse in coverage. I sent Farmers a copy of my declaration page. Kristen at Farmers was aware of my plan to cancel because I cancelled my auto insurance as well and to get the auto/insurance discount with the new company I was going to move my home owner's insurance. I cancelled my auto insurance with Farmers because they drastically increased my rates.

Farmers is affecting our credit rating in these very devasting times.

On March 3, 2009, I contacted my insurance agent of 11 years to file a claim for my roof's wind damage. My agent, Rus Moses, tried to tell me I wasn't covered because I have an HOA. I reminded him of our conversation several years ago when, after he spoke with my HOA's office, he assured me my Farmers policy would cover my building and my roof specifically.

His memory was refreshed when he found his notes of that incident. He told me to call Farmers Property Claims Rep. Lee Lipniskis and we would proceed on my claim after she assessed the damage to my roof. I called his office twice, but to this day he has not initiated any communication with me, and I have not spoken to him since that day.

On March 6th, Lee returned my call and said she had spoken with Rus and he told her I was not covered (the oposite than what he had told me earlier that day) so she wanted to cancel my claim without viewing my roof. I told her I'd had two other roofing companies out for estimates and they'd told me the roof needed to be replaced and my insurance company should cover it. She came out on March 12th and after seeing my roof, she said there was very little damage, but told me that she wanted me to get my portion of the deductible from my HOA because she felt Farmers could help get that back for me. She gave me the name of a roofer, Russ Perkins with All In One Contractors, who works with Farmers on wind damage claims. He came out that same day and was on my roof for less than 10 minutes. He told me the roof needed replacing. When I told him Lee had said the exact opposite, he laughed and said Lee didn't even know what to look for. He said he'd e-mail me an estimate. I have yet to hear from him.

While I was getting the information Lee had requested from my HOA, she went right back to her office and canceled my claim. I have been been given the run-around and shuffled from one person to another with two goals in mind - to wear me down and to deny my claim. In these 11 years I have never filed a claim with Farmers on either my house or my auto, and this whole incident has proven them to be both deceitful and incompetent.

I have been informed by Farmers that now that I have become aware of the roof damage, it is my duty to protect the rest of my insured property from further damage. According to all the roofers that means replacement with prices ranging anywhere from $5,000 to $9,600. I do not have the money and that's why I thought I purchased insurance in the first place. Not only is Farmers trying to deny any responsibility, but now they have raised their deductible to $1,000 on those claims they can't get out of. I would like Rus Moses to produce his notes taken during his conversation with my HOA several years ago. My contract says that my building is covered with no exclusions as to exterior, roof or wind damage. I need advice on whether my cancelation on my policy would render my claim moot. I would also like to know if I could request an independant assessor and how to go about that.

In 2006, my husband and I purchased a home in Kansas and relocated here from North Carolina. Robert K was the agent we worked with when we set up our new homeowners policy. We specifically asked for advice on the coverage we would need for our home and indicated that we needed help in the area of coverage for a home containing a basement, considering we had never had a basement in previous homes. He told us we were covered for everything except floods (the Act of God type). We trusted that our HOME in its entirety would be covered for any damage that would occur, outside of certain natural disasters.

Yesterday, March 12th, 2009, we reported our first claim. We discovered that our sump pump had stopped working and our basement was flooded. We called the hotline and the lady helped us contact a water removal service and was quite helpful with making arrangements for an adjuster, although it was Thursday night that it happened and the earliest anyone would be able to come check it out was the following Tuesday! More to the point though, nearly 2 hours passed and we had not heard from the service who was to contact us about the water removal. I called the hotline back and explained the lack of contact, and she called them back. They offered to come to the house between 2am and 3am, but I asked for a different time. So, we settled on them coming to start the process at 9am. This morning, around 8am, the insurance adjuster calls us and tells us that they will not be able to help us out because we did not have a sump pump endorsement? to cover the damage caused by malfunctioning sump pumps or blockage to drains. They cancelled the water removal and told us they could not help with anything further.

Contacting our oh so helpful? agent, Mr. K, did nothing either. He simply said that we should have read our policy better before signing it. We have the common sense to read a policy, but when we specifically ask for help choosing coverage for a home with a basement and our agent does not tell us that certain exclusions apply, how are we supposed to know that something is not included in a total home policy?! We were told that we would need separate coverage for NATURAL DISASTERS since the Farmers Group does not handle floods. Nobody ever indicated exclusion of or offered extra coverage for sump pumps. It is home insurance and we had no reason to question if a mechanical malfunction would be covered. Isnt that something we should be told?!?!

On Feb. 21, 2009, I was trying to communicate with my agent Greg S, only her secretary is always answering the phone and I am always leaving a message that I am cancelling my home insurance policy due to I already walked-away from my house because I cannot afford the mortgage payment and utilities due my wife and me lost our job last quarter of last year (2008). Due to this I was trying to cancel my home insurance for a refund because I paid for the whole year. Now, this agent Greg S is trying to avoid to communicate with me.

After three days of calling and e-mails, finally this agent sent me an e-mail saying he received all my messages and e-mails and he cannot answer me back bacause he was busy. Then on this e-mail he said that he would cancel my home policy and it will be processed within a few days.This e-mail is dated 02/24/09. I was wondering up to now that (since his e-mail) there is no news about my home insurance policy being cancelled. Nor Greg S is calling me about this home policy being cancelled.

I called today (03/11/09) Farmers Insurance and the Customer Service(Travis) Looked-up my home policy and he told me that the policy is still active. It's been two weeks now since Greg S promised me to cancel my home insurance policy and he has not done anything yet. This shows how unreliable, unprofessional and not to be trusted people working in this company. They are trying to delay the cancellation of my policy so that they can deduct more money from what I paid for the whole year.

This delaying tactic of the agent Mr. Greg S is to extract or deduct more money from what I paid for the whole year. The more they delayed the cancellation of my home policy the less refund I can get.

We received a single page 'flyer' that initially looked like an insurance bill, from Farmers. The limits all looked like reasonable amounts for our house in San Ramon. The only problem is that we never asked for a quote from this company! On the opposite side of the 'bill' was the information about the owner of the insurance agency. If I wouldn't have been there when my wife opened up the mail, my wife would have just put this 'advertising' piece with the bills to be paid. I think this is extremely deceptive if not fraudulent and should not be allowed. The agence, at minimum, should be admonished to not send out these deceptive advertisements.

Theft of business as well as home. The Hartford covered the business and were well versed, informative, consise, and I provided all items that I could reguarding the theft. Farmers Insurance covers the homeowners policy, and they have done nothing except provide excuses, and I've sent 4 sets of property and given information to their investigatior from Denver. They continue sending me form letters, saying they need more information, and I've done the exact same plus more types of information. the only thing I can't supply is the reciepts for the itmes that I purchased. I supplied dates as to when I purchased, a detailed type of items, and where I purchased these items. many were at state convention meeting for Emergency Medicine Service, training materials for teaching, (certified to teach for the state of Colorado in 1993, and everything they've ask for.

I gave a detailed account to the local police, including a false information report given by the insurance company which listed a number of items that were included on my business claim, and Farmers continues to say they need more information. They add to my homeoweners claim by adding extra items, that I didn't have on my homeowners claim, and then send me letters saying they need more information. they have told me that they couldn't find one of the claim forms, and I put everything on a printed computer form, and they refuse those because the list is NOT ON THEIR CLAIM FORM. This is a stalling tactic, and if you go to the FARMERS INSURANCE SCAM PAGE you'll read from people that worked for the company for 12 to 15 years, and list a number of stalling tactics they use.

There on the last of the list with the ON LINE BBB as claim scaming and now they want more money for their coverage, and they contiune to stall on their responsiblity. I know that my rates will go up, but they fact that their stalling from a claim put in September 16, the more they continue to send form letters. I have provided enough information and more to their investigator, I've gone thru 4 claim adjustors, and its just a typical scam by an insurance company that has a rotten claim department. again read what others say about this company from people that have worked for this company.

Loss of all teaching material for Emergency Medical Services, that is give too small rural volunteer fire and ems departments not as a business but as a help for these small departments that can't afford to send people to training because of their finacial situations. I try to give them an alternative since so many of these small departments and towns are in dire straights, and their people are volunteers, and get no pay. I also receive nothing except gas or sometimes they provide a place in the case of an over night set of teaching programs. This cost me hundreds of dollars, for the teaching materials, as well as the items used in programs, and the reciepts were stolen along with the itmes I use, and they insist that they need proof.

If I had the proof I could send it but it was stolen with the items, and most of the itmes were purchsed over 5 years ago, and I've checked with the suppliers and they don't have records that go back that far, and since it was a cash transaction, the relsult it will not be honored with out proof. I've never filed a claim and have been with them for 8 years, and I never had this much problem with the Hartford Insurance Company, and I read from others that tis happens all the time with the FARMERS INSURANCE COMPANY not setteling with their clients.

7 months, hours and much money on certified mail, and they keep saying they need more, and keep losing my claims. If you can help, so I can contiune to help these small towns and their volunteer deparments, I would appreciate it, as I don't and can't put back the items that I spend years in obtaining, it would be appreciated.

I applied for homeowners Insurance November 11, 2008 and cancelled it a month later, December 11, 2008, a month later. I paid $115.12 for two months homeowners premiums. The insurance premium were paid until Jan 1, 2009. I cancelled the insurance Dec 11, 2008. I am due $57.86 for the unused premium. This company is now stating that I owe them because I cancel early.

I wasn't told anything about a cancellation fee prior to cancelling the policy. I was told this when I informed them that I was cancelling the policy and requested that the unused money be returned to me. I want to be reimbursed the $57.86 due to me.

I was without a homeowners Insurance Policy for a while, because I was unable to pay another premium at that time.

I sustained a black water flood in my home on sept. 6, 2008. I filed a claim with my insurance carrier, farmers and they sent an adjuster out by the 9th. The adjuster looked around and called me three days later telling me he would send me a check for 6thousand dollars for known damages. I requested that he not send a check yet and give me time to contact some contractors to come in and give me bids to repair and clean up the home. He agreed and I started contacting contractors. The following week I tried to contact him and could not and spoke with his supervisor, Michelle G, who told me that he had been sent to Texas where there were "real emergencies". She continued to tell me that she sent out the check for six thousand dollars because state law mandate that she send me the money and if I refused it, she would be forced to close my claim and if I were to try to re open it, it would be denied due to the flood being a preexisting condition. I continued to get proposals and was given a new adjuster.

The new adjuster has never physically instpected the house.... I requested some names of prefered contractors and was told that the insurance company could not give me any and was told to just get bids, submit them and pick one out and farmers would look at the bid and write me a check so I could get work started on my home. After five weeks of collecting proposals I submitted all five of them and picked one out. Three days before I was getting ready to remove my three children out of the sewage infested home (farmers refused to pay for a hotel for me at the begining) I was then told by the adjuster that now farmers had to send in a contractor of their own. Never once was I told that this was going to happen. I agreed to have their contractor come in to my home. He sent farmers a draft proposal directly although he is supposed to be an un biased third party.

He sent farmers a proposal of 11 thousand dollars, almost 20 thousand dollars less than any of the five I had received. Farmers has denied paymend for certain items on my proposal from my contractor because the proposal was not written in "xactimate" format... or because the confered with "their" contractor and he said it wasnt needed. or would not charge that amout. I sustained a black water flood... which is raw sewage. Farmers denied, on a recoverable claim, payment to cover antimicrobial scrubbing of the slab after the flooring was removed. They paid their prefered vendor to spray the wood floor, but will not pay my contractor to spray and scrub, and fog the home after the walls and flooring was removed.

They are boardering on bad faith, steering, conspircy to commit fraud and RICO violations. They refused to cut out any dry wall, pull up flooring or fogging with anti micorobial at the begining. My three kids and I lived in the home for almost 5 weeks in sewage, with open sewer lines filling the home with methaine gases. We started to get sick with bad sore throats, pussy eye disscharges, allergies, head aches, dark eye circles, and body aches. Farmers fianlly agreed to send me to a hotel that they "direct bill" with after I sent them a letter informing them I had obtained the services of a Certified Industrial Hygenist. My home is being repaired, but they continue to fight me on money. They have deducted my deductable twice but say they have not and when I ask where it is, they flippantly say, "read the numbers". They have a quasi fudiciary duty to me, and are breaking that duty. I want help, I need help. Can you assist?

leak behind kitchen sink. caused pergo floor to buckle and rot caused cabinet damage

5000.00 to 6000.00 worth of damage have to repair floor, cabinets, piping and damage to walls

My house got hail damaged on June 2008, Two adjusters come to do inspection, they all said same thing: My roofer just got little bit damaged, very small amount of hail damage $500, I dont need replace my roof. But after my neighbors in the street changed their roofs, I feel something is not right.

So I called claim office, talked with their supervisor Clay and Lura, asked re-inspect my house, answer is definitely no. I told them, I can send some pictures to them, it shows roof got damaged but their documentation didnt show these pictures, that means their adjusters missed something, but they refused to see my pictures.

We suffered hail damage to our roof in May 2008. We have been trying to get Farmers Insurance to cover the damage. There are hail hits to the roof and baseball size holes in the turtle vents. Farmers claims that the roof has wear & tear so they are not liable for the damage to the roof. They will pay to replace the turtle vents but no contractor will replace the vents without replacing the roof because it will cause damage to the surrounding shingles.

Hail damage to shingles, turtle vents, air conditioner, and window screen. The roof needs to be replaced at the cost of $5900.00

We have been battling with our adjuster over everything. Company has lost important documents for our claims we had it sent over night. Refusing to pay the claim as it states in our policy. Have exhausted all resources for help. 74 father-in-law is mentally and physically stressing.

House fire. Mentally and physically fed up.Not being paid for what we are intitled too.

Westwood Insurance Agency is who I delt with. I had discovered water and mol damage in my spare room. Upon discovery I instantly contacted my insurance company. They responed quickley and then everthing after than was drug on. The claim started in March and end of July I finally got the denial. I was giveing the wrong root of damage that they claimed was not discovered early and then whenthe real root cause was discovered they drug out telling me this was also not covered. They have twisted every aspect of this claim and I have been living in mold since March. I am trying to do something to stop my health from not being effected but I thought that is why I had insurance.

I have not been checked by my Dr but have an appointment this comming week. I have two walls, window and carpet that is damaged.

I have had my homeowners insurance through Farmers for 3 years. I have been with Farmers for almost 25 years with my car insurance also. This year my homeowners insurance cost doubled. I have had no claims nor was there any additional coverage. When I called Farmers to ask about the increase in rates, they told me it was a standard rate increase.

Needless to say, I have now changed insurance companies.

We had a severe storm in our area about July 2nd with heavy hail. Homes around us were getting new roofs...our adjuster said very small amount of hail damage $507, all wear due to age of roof.

We reschduled with a roofer and adjuster who was rude...but we are now getting a roof with some adjustments being made. He said he would never admit to hail damage but would process the claim due to customer satisfaction. We may be the customer but not satisfied ...still.

We will have to pay probably more than we should for a new roof.

We were with Farmers Insurance for 34 years. We had hail & submitted a claim. An adjuster came out & said we didn't have hail damage. My husband was worried about it and we had the roof replaced. This spring we noticed many houses up & down our street being reroofed due to hail damage. The miracle was that we didn't have hail damage even though houses all around us did. Recontacted the company & have receeived no satisfaction. We are fed up with Frmers!!!!!

I have had auto and homeowners insurance here for over 5 years. It has been automatically deducted from my husbands account since him and I were married 3/4/05. We escrowed the homeowners last October so that is not coming from his account anymore. Now we are going through a divorce and evidently my husband called Ms. Suddeth and told her to bill me for my automobile insurance. I just all of a sudden received a bill in the mail for the previous month and the current month back in May.

I have not worked for months and without even contacting me, she just changed the bill from him to me. I emailed her and told her we were going through a divorce (which she was aware of) and that I had not worked in months and I had no way to pay the bill. The only response I received was that Farmers does things automatically when the premium isn't paid.

Consequently my insurance cancelled on 7/10/08. Now I have an overdue bill for $314.97 which I assume will soon be sent to collections. Can she just do that without any contact in a divorce situation? It seems totally unethical if not illegal. What recourse do I have?

Upon further inspection I noticed that a very large section of the wall was wet, crumbling, and starting to show some signs of mold. I still had a few weeks left on my one year home warranty with Home Protection One that I received when I purchased the home, so I called them that weekend and had a plumber come out the following Tuesday, which required me to take a half day off work. The plumber removed the access panel in the laundry room (which backs up to the bathroom) and ended up finding out that the bathtub overflow was draining into the wall instead of down the drain. To make things worse, there was some loose-blown in insulation behind the panel which had soaked up the water and spread the moisture along the wall. The pipe was replaced but the home warranty company stated that they wouldn't cover the secondary damage.

That weekend I had a contractor I found in the yellow pages (Dale F.) come out to my home to give me an assessment of the damage. He concluded that there was approximately $10,200 worth of damage due to water damaged wood in the bathroom sub floor and the need for the entire bathroom to be gutted and replaced.

On June 24th I contacted Farmer's Insurance to file a claim regarding the water damage to my home. I talked to an agent at the Farmer's Help Point and explained my situation, and she told me that an adjuster would call me the following day. The next day Michelle R., a claims adjuster for Farmer's, called my cell phone, and before even talking to me or seeing my home, left me a message stating that the damage probably wouldn't be covered and sited something about "long term damage" and "negligence." I contacted my agent, Melissa K. to ask about my policy, and she tried to compare my situation to someone with a leaky sink pipe who never noticed the leak under the sink. I found it very offensive to have a leak between the walls that I cannot see to be compared to an obvious sink leak.

On Monday, June 30, I took a half day off work to meet the adjuster, Michelle R., who finally came out to look at the house after speaking to the plumber that was sent from the home warranty company. This time she stated that it would be covered by Farmer's because it was a "spontaneous leak" that caused the damage. However, a few days later I received a letter from Michelle dated 6/30/08 that sited that damages due to "negligence" and "long term damage" would not be covered.

During the initial appointment, she took photos and notes, and then scheduled a company called Service Masters to come to my home and put in dehumidifiers and fans for 4+ days to dry to dry out the wood and walls. Service Masters came out and put in their equipment, which was very loud, made the house very hot (and we are not able to use the air conditioning since the furnace is in the laundry room), and also made the air very dry in the house. I was concerned about whether the fans and dehumidifiers should be used since there was mold in my home and I didn't want to spores to spread, but I was assured by Bill H. at Service Master's that it would not.

The second night that the machines were in my home, the fuses in the kitchen, bathroom and bedrooms started blowing about every 20 minutes. The kitchen fuse blew overnight and all of my food went bad in my refrigerator. I also started to feel like I was getting sick and was worried about mold and allergens blowing around in the air, and I could barely sleep due to the home being well over 90 degrees. I called Michelle R. and the next morning and she did not show any understanding or sympathy for my situation, and just told me that if I had the machines removed the damage to my home "wouldn't be covered."

She also confirmed that they were trying to dry out the wood and plaster so that Farmer's wouldn't need to pay to replace it. This was very frustrating to me since the walls and wood did seem to need to be replaced regardless. So, based on Michelle's comments, I continued to live in these conditions for the next three days. During these 3 days I had to leave work early and meet the Service Master's technicians at my home so that they could check the machines. I also had to take a half day off work on Monday, July 7 to meet Michelle at my home again to do a follow up appointment after Service Master's removed their machines.

During the final appointment Michelle brought a contractor from C.E. Watson Co., Inc. with her who confirmed that the whole bathroom needed to be gutted and replaced due to the damage. At this point I was frustrated because I had put up with 5 days of the Service Master machines, blown fuses, and uncomfortable conditions for nothing. The machines also doubled my electric bill! The contractor then told Michelle that he felt that this was long term damage caused over a period of years, which Michelle used as her reason for Farmer's not to cover most of the damage. Farmer's stated that they would cover the replacement of the walls and plaster, but not the replacement of the sub floor and bathroom itself. They sent me a check for $1,121.45 which I have not yet cashed. It is insulting to me that a company that I pay to be there for me when I have a problem with my house is barely covering 10% of the cost of the damages to my home.

My Dad called Michelle's supervisor, Tom C. who stated that the damage had occurred over a period of years and they would not cover it. My Dad mentioned that Farmers Insurance insisted on performing their own home inspection before insuring the home, and they did not report any water leaks or damage. He also told Mr C. that he would be meeting with Robert J. of Bloomfield Home Inspections, who perfomed the home inspection prior to me buying the home, and with another contractor as well to discuss the issues. He also requested that Mr C. wait to settle the claim until after the meetings, and told him that he would call immediately after meeting with the home inspector and contractor. Mr C. agreed, but after two further attempts to contact him, Mr C. did not even have the common courtesy to return the calls.

I have only been in the home for 1 year and I did have an inspection prior to moving in. The inspector, Robert J. with Bloomfield House Inspectors, Inc. did not list any of this damage during his inspection, and recently came back out to my house and stated that he would be willing to put in writing that this was not long term damage caused over a period of years and that there was not a leak when he did his inspection in May of 2007.

I have missed many hours of work, dealt with very uncomfortable conditions in my home, and continue to live with mold on my walls while I try to find a way to come up with the $10,000 to cover the repairs that I need to have completed. I just want someone to help me to get the money that is owed to me so I can fix my home and make it livable again.

I have been with Farmers for 32 years and never filed a claim until May 2008. And evidentally that was the wrong thing to do. I waited till I had called a professional roofer and he told me I had a lot of old hail damage on my roof. It is going to cost 4700.00 dollars to fix my roof. The adjuster came and he took pictures all around my house. When he got off my roof he told me I did not have enough damage to even cover my deductible. I told him every roof in the neighborhood has been replaced for damage and how was mine not damaged. He preceded to tell me unforunatlly that his insurance company was not a saveings account for my home. I got upset and called my agent and Mary Ann Landmon my agent told me the same thing. I called my roofer back Dusty Bogart and I got on the roof myself and he showed me the hail damage.

I tried to call my agent Mary Ann Landmon several times after I saw my damage and she was always out of the office or was out of town every time I called and never returned my calls. I called the head office to complain and told them what was going on. I told them to send another adjuster. He came out to my house and after he looked around he said i do not see any hail damage. Then he stared lifting shingles up breaking the glue seal and takeing pictures and said you do have wind damage but we can not pay for the water damage on my sealing.Then he proceeded to tell me your roof is nineteen years old and we are going to give you the benefit of the doubt and depreciate it nineteen years.

I put the roof on in 1998 and they said it was 1989. He got down and wrot me a check for 875.00 dollars.I contacted the main office and asked for the depreciation clause in my policy. Four days later i was sent a cancellation notice in the mail.They said they would no longer cover my house because I had water damage. I paid this policy for 32 Years and I think this is the worst Insurance company in Texas. The damaged occured while my roof was covered. It is old damage and they do not have proof when it happened. It should be paid for.

I payed for this policy in good faith and thought I would be protected. And since this company is not a saveing account for my house I will have to borrow money to fix what is damaged.

Insurance of my house in Virginia is paid by my Mortgage company not by me. I had changed my house Insurance from Farmers Insurance Group to other Insurance company and Farmers insuranc Group was notified about the change in January 2008.

My insurance expired with Farmers Insurance group in April 2008, So Farmers Insurance Group owed me refund for four months.Instead of paying me my refund money, i am beeing billed by farmers Insurance Group $99.25. I repeatedly spoken over the phone to Miss Diane and tried to correct their mistake. Farmers Insurance Group did not refund my money.Instead of refunding four months payment to me, my name has been given to credit Collection Services by Farmers Insurance Company. Please look in to this on going problem. Thanks for immediate action.

ON 12/18/06 I HAD A FIRE INCIDENT IN MY HOME. Farmers insurance adjuster Wayne L. try to settle the claim with Tom D. from claims management group, LLC. 4 days after the fire, wayne L. unethical and unprofesional actions are to many tell them all. wen i found out about their wrong intentions i contacted Wayne L., over the phone he said to me that he could not provide any information about the claim because i had a puplic adjuster to represent me, that i had to talk to him directly. so on 1/30/07 i faxed a letter to Tom D. telling him that i was terminating his services, that he had try to settle the claim with informing me of anything of what was going on. mr Wayne L. issued a check for $23,ooo for the repairs.

he lied about the measuraments on my property, he misinterpret the measuraments, he in the work order prepared by him the repairs needed on the property, the prices he input on the work order are not even close to actual cost to repair my property, he depreciated 50% on the materials, and in cases the labor. he wanted to pay for only 14 items on my total loss inventory. i was told that i was going to get a rental until the repairs were completed and that i was responsable to pay for the deposit of $3,500. i had no money for the deposit, i was given $5000 but i had to buy clothes for 8 of us, also food and other persona items, specialy for my son that has spina bifida, due to his health. he needed 4 times as much of pants and shirts, socks due to incontinents, bladder and bowels.

so i stayed in the hotel because i dint had the money for the deposit, the deposit was cover under my policy but wayne l. decided to denie the coverage. i was moved to a hotel in san bernardino further from the schools my children attended at the time, and it was not taken into consideration. by 2/07 wayne l. had issued checks for thousands and thousands of dollars. i was not told of such payments until they had been issued, the invoice for the restoration company was $25,000 for their services, i almost had a heart attack, and question that invoive, paid more to the restoration company to clean my contents, that the money paid for the repairs of my home. he wanted to pay for only 14 items for my loss inventory,

i have copies of his worksheets were it shows payments issued to me for my loss inventory that i never received, also i have copies of check numbers cancel for payments for loss inventory, for buliding, and for ALE. even do he cancel this checks, he holds the payment accountable as if he actualy issued and send the payments.

he altered and lied about my expences, ignoring the information i provided. he issued a check for $709 as a ALE payment for food, and extra miles. this man lied over and over about the information and payments on this claim, i contacted his supervisor at the time, bernard d., because i was not aware that the hotel had charge my credit card about $1,500, because wayne luke didnt pay for the room charges, my bank account had 12 overdraft fees of $26 each, he paid for the overdraft fees stating that Residence inn, did wrong wen they charge my credit card,16 months after the charges and wayne l. has not paid me for them, wayne l. said that the hotel charge the insurance and me, the hotel, was responsible for paying me back, i have contacted the hotel residence inn, and they told me, the charges made to my credit card was for non payment from the insurance, again i contacted farmers, and once more he lies about making tha payment to the hotel, he ignored the bank estatement i provided, the letter from the hotel estating the charges to my credit card, i have pleaded to wayne l. for the payment refuses to pay me.

i have worksheets, of money issued to as part of my loss inventory, but i never received the $10,263.52 payment so i ask wayne luke to re issue the check that it must of got lost on the mail. he denied such check for that amount but an the other hand he holds the payment accounted for. please help me, i have pleaded to my farmers agent ron r. but he stands behind wayne l., not takin into consideration documents i've faxed, showing the alegations i stand firm to, of wayne l. misconduct, and fraudulent activity, and embezeling of my fund, i have presented the same issues, wayne l. misconduct on the handling of my claim, wrong measurements, the underwriting on my work order, false information on payments issued, false information hotel payments, false information on worksheets for food and milled.

i have not received my content from the restoration company, wayne l. wants me to pay the $5000 issued to me, as ALE, he claims that the money was taken out of my loss inventory payment. he has not paid me for my lost inventory, i still have items as part of the loss inventory that have not being accounted for. the restoration conpany failed to provide a single item itemization list, so wayne claims that the items may be in storage, the restoration company want's to charge me to view the items, they know my financial situation, i have send wayne l. the notice of default on my home, and he still refuses to do whats right.

i emotional and financial distress my family and i have suffered die to wayne l.'s wrong actions has being unbearable at times, my family and i have gone without, due to his unethical actions, i have being in the burden of nervous brake downs several times, my heart rate gets out control due to all the stress, i sold my truck 7/7/7 to be able to provide for my family, i have borrowed money from family members to pay for my bills, i was not able to make it to a job interview for a job inside of a prison, that i am very qualified for, because the night before my car was repossed, please help me.this gangster cant get away with all the suffering he caused my family and me

I repaired a home due to small kitchen fire and Farmers Insurance issued a check made out to the homeowner and Chase Bank. Its been over 45 days since weve completed the project and have not been paid. Ive called Farmers Ins. and Chase Bank and neither will help. Farmers say they have fulfilled their obligation and Chase Bank is just rude and will not answer any questions. The homeowner has not returned any of my phone calls in 3 weeks.

Being a small contractor in these tough times I stand to lose my home and business.

I went to Farmers and inquired about coverage for my property which included my recording studio equipment I use for work. Long story short, I told them very specifically what my needs were, was told what kind of policy I needed to cover my belongings, and purchased it.

Flash forward a year, my house gets burglarized, the bulk of my equipment stolen, and now apparently I have been paying for the wrong coverage and they aren't replacing ANY of the items stolen because I needed a business endorsement to cover the gear stolen. What? Well it only cost a pittance more than I was already paying, so why wasn't I told first of all, and second of all, why am I paying for insurance that doesn't cover me?

I built my studio piece by piece over the course of six years. Finally I had my own business. Now I go back in time six years, get a day job, and start all over again, six years older and way behind schedule.

Following a fire loss on May 1, 2006, we met with the agent and Farmers claims adjuster and were given a post fire claims packet. The Farmers adjuster told us he that public disclosure laws stated he had to tell us that we did not have to have him adjust the claim. We thought info on public adjusters came in this packet. But Farmers stated that it didn't. Anyway, a page with a local public adjuster and 2 page list of his clients appeared, and after calling many of the clients and hearing report after report of people who stated they could not repair with like kind and materials from what the insurance company offered, which can be half or less than they have coming, we hired a public adjuster.

The PA said his plans called for a total new roof. The Farmers Large Loss Claims adjuster flew in and collaborated with Belfor Construction Services, with building inspector, and man from an engineering firm, to arrive at a cheapened scope of loss to repair only a smaller grandfathered portion of the roof. The PA stated the insurance company had failed to insure the home 100% to value, and we'd be living in a tent in the backyard by winter. That the living expense fell far short of what we were entitled to during the repair process. He stated it would be necessary to have the home appraised. With this, he stated we were now entitled to the full Loss of Use portion of the policy, for apt rent and rental furniture. Farmers mailed an ACV check to the PA and we endorsed it in his presence.

On Nov. 3, 2006, the Belfor construction company wrote Farmers that they were in possession of this check, and cited the check number. They did not begin work or even tarp the fire loss as promised that year, or the entire next year. In the early part of the year they said they'd never been paid and placed a lien against the home which remained till Nov. 2007.

Recently Blue lake Builders told us the entire roof, not the grandfathered portion Farmers wanted to repair, none of which is repaired, is stressed and visibly sagging. We are left with an expensive set of Farmers cheap and manipulated plans, that it took two engineering companies to come up with. When we tried to repair the home with them using like kind and materials as the Farmers policy promises, this was not possible. The plans call for various synthetic materials, we'd not okayed for our historic home on the Register of Historic Places in our city. We were given the insurance file based on public disclosure laws and were amazed to see these guys thanking each other in emails for this collaboration to cheapen the repairs.

We've contacted the insurance commission twice but this has not proved successful. Farmers writes letters stating that the public adjuster and themselves have resolved all differences. This is the PA we paid 10% of the structure settlement to help us after the loss, and whose building plans Farmers overturned. They state numbers on paper regarding the house contents that they state they have paid out dollar amounts, such as $65,000.00 for Service masters cleaning and transporting to their warehouse, where they held contents which amounted to 5/6 of house contents. This was boxed or packaged at times while still damp and boxed or wrapped in plastic, so that it molded in storage, and we could not been able to have it serviced, such as photo or art work restoration. Our public adjuster fired the Service masters and told them NOT to clean, because he heard them state they would clean items that could not be cleaned. The historic cottage has now had four different engineers, but to date the roof has not been repaired. The homes $100,000 in original lathe and three coat Venetian lime plaster was gutted by Belfor Construction company and we did not want it replaced with blueboard. So to date this also is unrepaired. The additional water damage the Farmers coalition has helped to cause has also damaged first growth fir floors.

We told Farmers they sold us a policy which could not repair the home with like kind and materials as promised and that the two years of insurance company fraud has caused our family much pain, injury and suffering. The house that plays a vital role in the community, and has been listed on tours and such, but we have not been able to be the host for these celebrations, which are educational for tourists, locals and especially school children. As an artist, I have spent hundreds of hours typing letters to the insurance company and others, conducting inventory, doing research on smoke and fire damage, instead of painting as I once did before the fire. My husband has had to do work that the construction company failed to do. We aren't quite sure why the insurance company has behaved this way. Little rascals that they are, it's not that they haven't done anything nice, but for all practical purposes, it seems their intent was to bring the house down, and not to rebuild it. It's in far worse shape now after two years of Farmers intervention, than it was following the fire loss.

I canceled my umbrella policy and all my insurance with Farmers as it was triple the price of other insurance. My problem is with Danny Shaw as I canceled in January in writing as requested. I did this 2 times and never got a refund of 9 months of the premiums. I have now called and written many times. He and his wife told me it was taken care of. I've never gotten my refund. They are hardly ever in the office, and when they are they selectively screen their calls. So most of the time you must go down there. I would like to receive my refund as it has been 11 mos. now, with one excuse after another. Their answer is that the company has not sent it, and they are still waiting. Because of them I had to go 30 miles to get insurance from an honest agent. They also owe me for another refund on mobile home insurance that I bought from them.

My insurance tripled right after my husband died 6 years ago. I did have a water claim, but my insurance sky rocketed then. They basically stole my refund. I think I've waited long enough.

I work from home using telephone services and computer etc. I waited so long for my contents that I lost 3 months pay aprox another 6,000.00

While waiting for the fire department to arrive. I used 3 of my fire extinguishers worth a total of $50 to try and put out a fire on my neighbors deck. The flames were 4 ft high and about 5 ft from the house before I used the fire extinguishers. My neighbor who has Farmers Insurance tried to include my fire extinguishers in his claim but they refused to cover them. I e-mailed Farmers 4 days ago and have not heard from them. To me its the more the principle of the thing than the money. If I had not used my fire extinguishers the flames might have reached the house and the amount of the claim would have been much higher.

Someone broke into my home on 4/24/07 and i filed my claim on 4/25/07 with my homeowners insurance. Since then my claim has been reassigned i have done recorded investigation in which i was asked personal questions regarding my criminal history, items on my credit report etc. On 5/25/07 i had to do an INTERROGATION under oath in which i was interrogated for 6 1/2 hrs. I was questioned about credit, background employement history. it was the worst experience in my life.

On 6/29/07 i recieved a package from this attorney requesting bank statement from 2006, phone records from 2006 authotization to release payment history from previos and past employment, authorization to diffent creditors to release information on my credit report, autorizion to release tax information on my home, authorization to release loan info on my vehicle from 2006-present, copy of my work calendar for the month of april authorization to release my electric and water records. authorization to release my parking garage pass card records for work. This has been a complete nightmare, and has literally made me sick Farmers insurance is making me feel like a criminal.