State Farm Homeowners Insurance

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jane of Baldwin, NY November 6, 2009

My home which is a cape brick and side panel home, began to have some grayish looking film on the walls. On March 26, 2009, I called my Insurance Company which is State Farm Insurance to report the claim. I was told by customer service that based on the information that I was providing, that there was minimal damage and it would more than likely cost less than 1000.00 to paint. I was told however that they would keep the information on file and that if I decided to paint that would exceed my 1000.00 to call State Farm back. Keeping in mind I live in NY and the last oil drop I had from my heating oil Company was late March or sometime in April 2009.

I had then had another previous issue and the Insurance representative Mr. Stephen R. that came to my home insisted that I file a formal claim because it appeared that I had a soot problem. The claim was assigned to some one else but Mr. R. put the claims as one so he was handeling everything. Mr. R. decided without any testing that I had soot and it was deemed by Mr. R. that I in fact ad a puff back. Although Mr. R. from State Farm was fully aware that there had been no boiler running. My hot water is run by gas through the water heater.Everything was destroyed. There was clothes, food, all of my cosmetics, not to mention the stress of washing things. I was never FULLY advised what I was entitled to so for such things I did not claim immediatly, as if was told I would have claimed it at the time.

So now, State Farm sends a cleaning crew of their choice to clean my home and they allowed a allowance to paint my home. This was now Aug 11, 2009 and I had to delay the pain job that was scheduled for Aug 11 due to my mother being Hospitalized. I would get calls from the adjuster wanting to know when was going to paint.

From 8/11/09 to 8/25/09 after State Farm sent their cleaning crew, this grayish film began to come back again but this time stronger. The weird thing is that this grayish film was silent. I then woke up with darkish gray film in my nose. I panicked and called State Farm and the rep said" well we already cleaned up your house and gave you an allowance to paint"... you need to give me a good reason to convince my boss why we should come again. (this is a whole other story). I was in a complete PANICK.

I then seeked some kind of explanation because State Farm kept saying this puff back was reuccurring. I was dumbfounded because I had no effeciency running: boiler,gs nothing. I called the fire dept and I was advised to vacate, the fire dept had done a thorough investigation themselves, the boiler, chimney, ect and because me and my child suffer from very seriouse medical conditions, it was best for us to leave.

The next day I called State Farm and advised them of the new reucurring alledged" soot". I was told by State Farm that what they would now need to do is determine if this was a NEW claim or a continuation of the March 26 claim. Either way I was told not to be concerned because soot is covered. So, from 8/26/09 through 9/2/09 State Farm employs an engineer that came to my home to establish this problem. This engineer that did only minimal visual examination had made up his mind that this was a "cumbustion of an effeceincy" I was again at a lost because I HAD NO BOILER RUNNING.

The heating Company also confirmed that soot is like black dust. It is a smoke that comes from burnt oil and this was not soot. The basement and the bolier was clean. State Farm then hired a hygenist that was hired soley to determine if this carbon "soot" would be harmful. Here we go now one month in the Hotel, my daugter going through hell being up three hours earlier for School, I sometimes have bad days due to my medical condition so I requedeted transportation for her. All of my child's medication, everything was damaged. State Farm was processing everything, and everything was going smoothly. Remember, they alledgedly did not have a problem with this claim, they were just trying to determine if this was a new loss or a continuation of the March 26,09 loss.

I FEEL that it was only until I reported the adjuster for innapropriate statements and behavior, which was on 9/17/09, that I received on 9/21/09 a "reservation of rights letter". I had to write to the President of State Farm to have this adjuster removed from my file because Mr. V. told me originally that he would not and could not change adjusters although I clearly expressed my concerns to Mr. V. regarding how I felt very uncomfortable with the adjuster.

I've had to dodge the police until I can scrape up the money to buy the bulbs and beg a friend to take my car apart to put them in and put it back together again. I find this very stressful and it's bad for my blood pressure and my pocketbook

Time went on , I now had to change Hotels because at one Hotel which was the second Hotel that I had to find on my own and go through red tape, my child was being solicited for sex. The second Hotel, my items were missing. Here I am now reuesting continuation and explanation for the processing of my additional living expenses that was being processed even after the reservation of rights letter because I was told they would pay for the cleaning of my clothes, at the very least and my mileage... and so on, there is so much more to this claim, that I would have to write a book. Back and fourth with doctors, being worried about my health, now, the new adjuster decides that she will not process my mileage or any thing beyond 9/27/09. Their proffesional hygenst now states there is mold spores and silica in the home but it was not harmful enough. I asked what is harmful enough, I never got an explanation.

I kept very consistent in requesting the scope notes and the preliminary report from the engineer who came out on 9/2/09 and was contionously told" you will get the report" the confusion and what transpired in beetween the time would litearly take me hours to write. Now I get reassurance from the head manager thatall will be taken care of. I then get a letter in the mail dated 10/20/09 from the maager of the melville claims office indicating that they now have all of the reports in their possession effective 10/16/09 and they (State Farm is in the process of reviewing the claim for coverage.

I then on 10/29/09 get a denial dated 10/27 indicating " after reveiw of the file and the report from their engineer Paul A. that my issue is SOOT FROM A PRE-EXHISTING Owner that has been bleeding through the walls and reuccurrs and that the boiler is faulty. Although the oil company clearly contradicts this statement. In addition their engineer states that I have had candle burning which may cause this soot. I responded to the engineer in writing advising him that the exhibit he used to demonstrate a candle in his report was a " battery operated acndle" I also asked for an explanation and never received a response.

In addition there was no material meaning the wall with this film that does not wipe off, it has to be scrubbed off with an abrasive was never tested, no wall was taken apart. There was never a suggestion to sample even a tiny peice of the wall that has this grayish film.I then went and hired an enviornmental specialist who did air quality tests and found MOLD in the air. It made no difference. There was suggestions made to State Farm requesting additional testing in order not to subject me and my child to this " unknown" problem.

I have had so many people come out and they were dumbfounded. nO ONE COULD PIN POINT THIS ISSUE, HOWEVER IT IS EVEIDENT EVEN WITH A PROFFESIONAL CLEANING crew that does clean up after soot, that this WAS NOT SOOT. In their denial State Farm now denied coverage and I am subjected with all of these out of pocket expenses..., replacement of medication for my child, it goes on and on.

State Farm NOW stopped payment for the Hotel and we are now subjected to go to the streets. I feel they are attempting to force me and my child to go back to my home with this unknown issue which could be mold infested. I did not even speak about the symptoms we were experiencing while at the home and now the symptoms are all gone since we left the house. And State Farm has no conciouse who they hurt.

I have contacted the Insurance Department from inception, and to date I have not received a response as to the investigation. I have only received confirmation of the complaints. WE ARE NOW HOMELESS effective NOV 7, 2009. I will not and can not go back into my home. We HAVE NO WHERE TOgo. This has caused SEVERE emotional distress, and dramma. We have no permanacy and residency. As a result of this I have lost my savings in order to re[lace clothes, and everything that was and is needed in oredr to be safer from this unknown film.

Diane of Monroe, NC November 4, 2009

A leak was sprung behind our washing machine. Husband couldn't stop the flow of water so it wasn't stopped until the next day by plumbers. State Farm was called immediately and we were told to get a few estimates on damages which we did and faxed within three days. I was called once by Stella R. The few times I tried to call her back I always got voicemail that stated she'd be out of the office after 4:10 pm, next time I called her was on a Friday and her voicemail said she'd be out of town until Tuesday.

Finally after three weeks a claims adjuster called and came down. Stella had said initially that some company could come down and blow dry the whole that was created by the water in the wall but nobody ever came down for that and it was never followed up by State Farms. I'm still waiting to find out what State Farms is going to do in the way of compensation for this mess.

In the past three weeks, our familly has had allergic reactions from the mold that took days to dry and that the doctor said might result in asthma. Two of the family members have had bronchitis and one is still suffering from a fever and cold which is still going on and was witnessed by the claims adjuster. The hole in the wall can't be covered completely and anything, besides wind, could come in through the hole in that wall. The door has to stay open so that the cats can reach their food and litter boxes. You never see this on the State Farm Commercials.

Dan of Union Mills, NC October 30, 2009

ll yr old house, never leaked before, now leaking inside and out. Same story as most of complaints, I read on your site... State farm refusing to pay for roof or inside damage.Claiming shingles installed wrong, etc. I couldn't believe this it was like I was reading my own story. Why can't someone take on this big fraud company? why do honest people get the shaft and these fat cats keep selling their no good policies and dining with the rich and famous?

this house was to be our retirement home, mold and mildew will form in insulation which can damage our health. We couldn't sell this home due to damage, our lost premiums and what for , a company who gets away with fraud? My husband and I both are near a nervous breaksdown as our dreams disappear!

Tina of Linton, IN October 28, 2009

I contacted State Farm in regards to my roof leaking after 4 days of downpoor of rain. Tracy Keen is my agent. she had Mr. Skaggs to contact me after we had an estimate done on our roof by a company that specializes in flat rubber roofs. The company that gave the estimate on the roof stated that it was damage from storm and sun. we have holes in the rubber.

This roof has never leaked before now. On the other side of the house we had a leak 2 years ago and it was fixed but this whole side of the house never any problems until now. They are refusing to fix it. If it is not fixed our walls and ceilings will be ruined and mold will start to grow. We have some mold now in one of the rooms.

wal of sterling heights, MI October 27, 2009

My home was insured by State Farm (agent name is Dave) in the amount of 1292. When i refinance my home i contacted Mike's office. His staffs assured me that i will get a cheaper rate from them and nevermind the fact that they are both State Farm agency. They fully know that i am with State Farm and they will cancel my home insurance with Dave's office. 5 months later i found out that Dave's office charged into my escrow for 1290. I contacted his office and spoke with Rhonda, she then told me that my policy were never cancel and that my home was basically have 2 insurance from both agency for the last 5 months. I tried calling both offices but they both pushing blame on each others. I can't get ahold of neither Dave or Mike. I can only reach to their staff members and not only that they are rude, they are no help at all. The entired time i bought into Mike's agency, i received zero paperwork, policy number, nothing. They should practice better business ethic.

Debbie of Huntersville, NC October 22, 2009

We have had hail damage in our area for over a year -I have had state farm investigator come out and tell me it was just wear and tear. Asked for another investigator from State Farm was told the roof was improperly installed. Three roofing companies have told me that their was significant hail damage this was over a years span. The roofers had nothing in common with one another. Also, everyone around us have had their roofs replaced due to hail damage.

The insurance companies who honored the repairs are Nationwide, Allstate and Liberty Mutual. Our neighbor across the street had state farm and they were denied their roof. I have a friend who lives in a different neighborhood and she too has state farm, she was denied. We have significant holes in our shingles from the hail damage. Run do not walk from state farm ,they are not trust worthy and they do not stand behind you-what would happen if something serious, such as fire and you lost everything-you would not be protected.

J of Orlando, FL October 14, 2009

It's no secret that it appears State Farm will be leaving Florida soon, but in the mean time, please make sure you check your home owner's insurance policy renewal premium for next year! State Farm and/or my agent conveniently dropped some discounts and according to the local office "changed how they calculate premiums". This would have cost me an addtional 400.00, but I've already changed insurers. Save yourself some cash and the hassle of potentially significant escrow/mortgage payment changes, pay close attention to your renewal notice and switch to another insurer now if you can!

Michelle of Byron Center, MI October 13, 2009

We had a housefire on March 2, 2009. Statefarm has paid partially for our contents and home repairs. We have had numerous conversations with Deonia to have our contents paid and our home restored. The clothing has been cleaned once already and still retains the odor from the fire. This is the same as wood furniture and cloth furniture. Deonia's solution is to resend these items out for cleaning again. How many times do we clean items before saying they are not any good. We have given her numerous repair estimates and still waiting for answers. We are going on 8 months now from the fire and still dealing with contents and repairs. Deonia has done everything to slow this process. We are only asking for what we owned prefire and not asking for anything more. We called the Chariman's office at State Farm and also talked with Deonia's boss John Jasker. unfortunately we are still in this situation. It does not make sense.

Wendell of Hampton, GA October 8, 2009

My house burnt to the ground in January 17, 2008. I lost everything and at first State Farm Told me everything would be okay for me and my large family of 11 but here it is October 8, 2009 and at this time I'm homeless with 9 children. My claim was denied from the beginning and I didn't find out until December 28, 2008 when State Farm sent Me a letter denying my claim for whatever reason.

I've had State Farm Insurance for 10 years and had only two claims and I'm deeply saddened by my situation and I know there are others out there and I hope they don't go threw what I've been through.

There has to be some justice for the pain and suffering caused by unpaid insurance claims. I'm taking State Farm to court but just think why should you have to go through that when you paid your premiums all those years. State Farm Has lost 11 customers We went to another Insurer and our premium are less with more to offer. I should have switched years ago.

At this time me and my family are homeless living in a motel paying 250.00 a week after our policy was denied and can you imagine the tole it's taking on the kids.

Evelyn of Fenton, MO September 25, 2009

I had my roof checked by two roofing companies because our home is 16 years old and I wanted to find out the condition of my roof, we had a storm in May the roof leaked, I had State Farm out and they denied a roof problem, in otherwords they would not cover the roof. In June we again had a storm in which hail of golf ball size came down and the roof leaked in more places - in fact my husband had a bucket under one of the leaks, I called State Farm insurance and they said if they came out again the claim would be closed, so I called headquarters to see what could be done, my roof continued to leak - findley I had the roof replaced because I didn't want damage, State Farm gave me a credit of less than my deductible to fix the walls and ceilings in the areas that leaked. My neighbors across the street in fact three had roofs replaced by their insurance companies, one company was State Farm they did not have leaks but some of the roof had blown off shingles, the roofing company that replaced my roof said that I didn't need a roof, he said the people across the street didn't have the high quality roof I had, My question is if I don't need a roof when the roof is leaking in several areas that are unrelated to each other than why is it leaking - State Farm says well you have to maintain your roof, OK I did have the roof checked by Allen Roofing and Richardson Roofing and both roofers said the roof did not need to be replaced.

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