State Farm Homeowners Insurance

I had a plumber, and had leak detection done. It was determined by him that the leak was in a slab in main water line. The plumber said he has done about 80 jobs with the same issue, and State Farm paid the claim. I called the agent, and talked to the claims department. Both said it is not a covered claim.

My family has been covered by State Farm Insurance for over 30 years. Recently, we did a whole house remodel. Since contractors were in our house while we weren't there, personal items were stored at a relative's. The personal items included my jewelry which was scheduled under a separate personal articles policy. When unpacking, I couldn't locate the jewelry. Contacted SF, they said that they couldn't cover the loss since it was over a year since I actually saw the jewelry. The loss adjuster was extremely arrogant and rude. Shortly after, I received a denial letter that quoted my policy to back up the denial. Only problem was, the letter clearly stated that my policy considered the jewelry lost upon discovery. This meant that the date of loss was the day when I unboxed everything and realized that the jewelry was missing, not the last known time I saw my jewelry, which was the date that SF considered the items lost. I contacted the state insurance commissioner. State Farm was reprimanded by the insurance commissioner and ordered to pay my claim. End result: I am now in a better state. I no longer have coverage with State Farm.

In May 2011, we had a massive storm. My home was damaged. State Farm was the insurer. They keep sending out different amounts on damages, and have actually taken out a double depreciation, and double deductible, and refuse to honor the claims. Their refusal left me homeless, because the repairs had to be stopped, due to lack of funds. I talked to them far too many times, sent them every single paper they asked for, and that was done several times. It seems they keep misplacing the paperwork. Another lesson was learned today, just one more in the long list of lying companies.

Do not trust State Farm to pay your homeowner damages claim! They still owe me almost $1,800, and now they are saying I haven't sent them anything at all. It is interesting indeed. I have copies of all they asked for, and their letters that they demanded even more papers! Now they say I sent nothing. It sounds like lawyer time. If I have to go to lawyer, I will ask for a lot more than what they actually owe me, plus all legal fees. Now, I just have to find a lawyer to take this case, with no money to start with. I am ** once more.

My State Farm agent died after being my agent since 1985. My policy was moved to another State Farm office without my permission. I have had a working relationship with the staff in my old agent's office. I did not want to be changed to another office. I talked to the new agent and requested to have my business moved back to the office I had had business with since 1985; he did not do it.

That was several months ago. I have called again and spoken in great detail to a member of his staff requesting that my policy and service be returned to the old office. The main manager Si ** was busy and could not talk to me at the time. He called and I was not able to answer my phone and he left a message totally not directed to my demand. I called again this morning; he is out of the office. He has a cell phone but they do not give out that number. I am being given the run around here. All I want is to be able to work with the people that I already know. I want to be moved back to the office I have worked with since 1985.

I have been trying to understand why State Farm is raising my insurance policy each year. I have not had a claim with them since 2003. But my policy is increasing yearly with no explanation from the company. All they can say is that it is because of crimes in the area and inflation. Everyone is experiencing this, but I have not had any breaking at my home. I should not be paying for others who do not have their home secured.

I had hail damage to my home about May 2011 and submitted a claim.

Tom failed in his fiduciary responsibility to put his client's interest first by grossly over insuring me in order to garner personal profits, by insuring my home for 2x its rebuild cost.

A tornado in 2008 damaged our new roof and we contacted State Farm right away .They never fixed it and just tried to repair it. The repairs never held and we still have our roof leaking. We are now being canceled by State Farm because our roof leaks. 38 years and four policies with them. This had gone into well over a hundred calls and I have the Personal number of Ed Rust - **. I was told that he answers in the very early morning and late evening. I haven't had him return my call yet, but Bloomington executive source said this is his private phone and someone will answer.

The truck driver works for trucking company driving on RT 202 in Lebanon. At 7:00AM, clear day ahead, a car was waiting on the right side of the road stopped. The truck approaching saw the car, slowed somewhat as he saw the car. The car pulls out in from the truck, the truck driver swerves to avoid running into the car and starts to roll over sliding down an embankment causing the truck to be crushed and broken up.

The driver of the truck survived and was taken by ambulance to Sanford Goodall Hospital, bruised, battered and cut up with head and neck and arm injuries. He never took x-rays of legs and feet which still bother him and cannot turn neck fully and the shoulder still bothers him. The doctors said they should heal in time, but they still bother him. I don't know where to go from here. Allstate is hard to deal with.

I had State Farm Insurance for around 30 years and they just told me they were not renewing my policy. I have not had any high ass claim but little ones for hail damage but it is not amounting over $500. Did any agent called, no. It was just letter in mail. Take your commercial off. You're not my neighbor and especially, you are not a good one. You pay out for your policy but you better not make a claim. They will dump you fast. What happen to the acts of God? I guess I caused the hail damage. You people discuss it to me. The only reason I rate you one, is because my first agent was like a friend but he retired about eight years ago.

The problem I am having is that Kathee ** is mistreating me and refused to help me with my policy. Due to my recent second claim in my homeowner policy, she is now upset and taking this out of portion and on a personal level. I had once again called in the beginning of December to seek help on my claim and she is never available, but I finally reached on December 14, 2011. She was upset, pissed off at me and would not talk to me and/or was very blunt to answer my questions. She was not giving me any response or answers other than "I don't know", "that's not my problem", "I have no idea", "call claims, not me". At that point, I stopped and I asked her "can you please be honest with me, are you doing this because it looks bad on your book of business?". She did not deny my question and she stated that it's a claim issue, so I did what she asked and I called Claims.

He said that she was giving me the runaround and does sound that she is refusing to help me and strongly suggested that I call her again or another office that can help me. I called Kathy again and I pleaded with her and told her "Kathy, you have been in business for a very long time more than 20-30 years and you know this business with your eyes shut. Why are you doing this to me? I am getting slapped not only by you but the robber. It's not fair and I have been with you since 2006-2007 and never gave you a problem. Please work with me". At this point, she calmed down a bit and said "underwriting will not renew your policy due to your several losses". I knew she was lying at that point because I have only had one loss and I told her that. She said collect your money from the second claim but you will not be able to return to State Farm ever again and you will have to pay a lot of money to a broker, so good luck!

At that point, I said that is not fair for one claim and they are not renewing me, why? She didn't answer and said I can save your policy if you close out your second claim, higher your deductible, get an alarm through someone I know, but I can't waist a phone call for you if you don't do what I say. I can save your policy and you can stay with me at the same rate you have now. If not, good luck on finding someone who will insure you cause they won't! I agreed and did what she told me. But because at this point I didn't trust her, I emailed her on Dec. 15, 2011 and I tried carefully to write a nice FYI letter telling her and reminding her of the promise she made making sure I wasn't upsetting her anymore than what she was. But she was even more upset because I sent that email or because I was documenting the conversation.

At this point, she would not email me back but call me. We spoke and she said she can't help me anymore and underwriting informed her that she is only to say she sells insurance and takes claims. That's all! So she called underwriting because she needs help how to get out of her personal situation but not for my policy. I called her again and at this point, we were back to where she did not want to talk to me. She hung up on me because I was asking why she is mistreating me and being rude. She emailed me saying I was abusive when all I did was ask her why she is doing this to me, when I did everything she wanted me to do. Kathee ** is cancelling my policy due to her book of business and unfair practice. She stated that if I need anything to drive to Bakersfield, figure it out on my own.

State Farm Claim reps mislead, treat you like your claim means nothing more than money out of their pocket. They have no integrity and worry more about how much the have to pay out.

Four of our units were struck in MC, IN; it happen in between September and December 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 OK! ** kept collecting money for an empty unit and three were not even half filled ones. Found out that Jenn ordered them cut off leaving the units free for the taking. Police cannot believe that a person could have so much stuff, so he would rather investigate us for not reporting it sooner and apparently it's a crime to have so much stuff. December 18, 2011 was the first time we knew of it. So, how is this fair? Our agent is OK. But the claim sucks rotten eggs. When the claims women Tammie said no we don't cover that and you guys will just have to deal with it. And Amber in Michigan investigation department would also like to do investigations on us. 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 hell they're doing, like go after the real criminals, not make out your insures to be the criminals so they can get out from paying the claim. Yes, I would love an attorney to contact me since they would be the only one that will have my back.

Rating the experience would be a zero because my parents paid into State Farm for 50 some years and had a house fire in 2007 on Christmas day. A State Farm agent told mom, "Don't worry, you have the best insurance that money could buy." Well, let's just say that State Farm brought in a contractor, a fine young contractor that the agency would have use if he needed one. State Farm would not allow my parents to have who they wanted to do the work. My parents were forced into this fine young contractor that destroyed the house, worse than the fire. This company put on a roof that was so bad and even admitted to it. The contractor and his lawyer laughed about it. There were leaks and molds everywhere in the house. This company painted vents on the solid wood floors without any protection and walked through the home with paint on their shoes that one could actually followed their route. They broke furniture and ceiling fixtures, mismatched part to my parents' bed that we couldn't put the bed together. Things turned up missing like family heirlooms.

The contractor has given his employees a key to our home. One of the company employee thanked me personally because he was the only one that didn't have a key to the house and I responded, "Why? Does all of you need a key?" And his reply was, "So they could come and go whenever they wanted, day and night." So think about that possibility of 6-10 employees who have a key to our home. Those keys were never given back to us but we changed the lock as soon as I found that out. My father's last dying wish was to come home and he passed away in 2009 but never returned home. We could not live in our home because of the bad roof and water damage. This company torn the bricks off of our chimney and used landscaping bricks to place on the shingles that they didn't nailed down so a lot of bricks were on the roof.

We finally moved home last year in March 2010. This contractor filed a lawsuit against my parents after leaving us with a mess that was so bad. We trusted this company because of State that they will do the best job that the fine young contractor promised all along and well, my mom is counter suiting. Where was State Farm in all of this? Well, they did nothing to help us. Oh, yes, I forgot, yes, they did. State Farm was going to stop that payment on the rental furniture and have it taken back to the rental place. The agency also wrote a letter stating that the insurance was canceled because of the poor workmanship' on the roof. Hey, State Farm! It was your company that put the poor roof on to begin with and did the damage to our home. Did you think of that? Don't you care about your clients?

Thank you, State Farm for all your support in doing nothing to help my parents in their needs after they trusted you as their insurance company for 50 some years. State Farm ran with their tails between their legs. Buyers beware! Oh, one more thing. State Farm brought in 2 agencies to see the damage done to our home and roof. They couldn't believe what their company did. State Farm claims that they do not hire contractors. Then why bring contractors to people's homes and force people to use them. Why? One of the State Farm agents said to me, "Thank God, he hired professionals to do the work at his house." I couldn't believe what I was hearing and said, "What?" and the agent repeated his statement again to me. This was the same agent that said he would have used this company to do the work at his home. Imagine that! My question is, why did he?

After years of paying increasing premiums, I received a letter informing me that my homeowner's policy will not be renewed in January 2012. This is less than 60 days to look for new coverage. What a rip off! These companies take your money for years doing nothing for it. Now because they believe that there is "increased exposure to loss from catastrophe, such as hurricane or other severs weather events," I'm ** or as seems to be the trend BOHICA (bend over, here it comes again). After a number of years taking these increased policy premiums, companies should not be allowed to pack and run. Where is the protection of the homeowners? State Insurance Department is in bed with these guysall corrupt!

After having two contractors appraise the damage to my roof, recommending complete roof replacement, following a hail storm, Sate Farm has denied my claim for damages. In conversations with one of the contractors, after his roof was approved(by State Farm) for repair, the appraiser was transferred north, and the next 5 appraisals that he went on with the new State Farm appraisers, were denied. I have requested an appeal, but how can I ensure a fair, and impartial appraisal of my damages?

Hello! I just had an experience that needs to be communicated to others. I sat down at my State Farm agent's office about 6 years ago when I purchased my home and had them explain everything to me because I don't understand some insurance terms. I did this to insure I had the coverage and deductible amounts I needed. I never had to do a claim until this weekend and I found out today my deductible was raised, without my knowledge, to a level I would never have been comfortable with, ever.

I was very confused since I have to sign papers for everything to change my policy. A month ago, I had to sign a form and have a witness to change the beneficiary on my life insurance through State Farm. I have had to sign and fax forms to add cars or items to my policy, to cancel cars or items, to change agents, to start electronic payments and to cancel a policy. However, I learned today State Farm changed our contract by changing my deductible without my signature. According to my agent, the letter that came in my policy renewal (he didn't know when or what renewal) stating I would need to sign the form to keep my policy the same. That is not only confusing needing to sign a form to keep the signed contract the same since it is the opposite of everything else they do. But also, the opposite of standard contract law that both parties have to sign to change a contract and both are provided a new copy with the new terms.

My agent advised that State Farm, as a corporation, changed this for all home owners policies in the same way and they did it to reduce small claims since there have been so many catastrophic claims in the last few years. I never received a lower premium rate for the higher deductible they changed my policy too. I gladly accepted a higher premium price when I purchased, signed and paid years for the lower deductible amount. I receive so much marketing mail from State Farm I never would have thought one of those letters was not a offer to change my policy in a marketing form, if I chose to contact them and make a change.

Contract renewal should be just that, detail of the items agreed upon in the signed contract they are renewing, not changes they are making to my contract, changes are not a renewal, those are two different things. I randomly get voice-mail recordings from my agent offering to sell me more coverage but never did it say because they changed deductibles and we may need to review our deductible amounts.

How can they change a contract without a signature - meeting of the minds? Changing contracts and understanding like this opens an unethical flood gate. They could go as extreme as to change beneficiaries to State Farm employee's if they want to. State Farm may be a big company but they should not be allowed to switch back and forth from real contract law requiring to not requiring signatures depending on what helps them financially.

I have already spoke to two different people who have State Farm within one hour of finding this out and they were not aware of or seen the form in their renewal policy. There are going to be many people put in bad financial positions in this tough economy in a very sneaky shady way. Others need to know this. We not only had 90% the life in our reef tank die, our home flooded but the coverage I knew I had that made me believe it would be okay, was no longer what I knew I bought and was still paying for. Please help prevent anyone else from dealing with this after what in my opinion was a catastrophic event to our family. There was life in that tank and now there is not but the dollar value is not "catastrophic" so it's not covered under the new State Farm view of "catastrophic".

I have had homeowner's insurance with State Farm for over 30 years. I just received a letter from them stating that they were cancelling me because of "debris in my backyard". They never contacted me with their concerns or gave me a chance to rectify what they determined to be a problem. I'm positive that the reason they cancelled me is that I was grandfathered in to a policy with wind and hail damage coverage and they wanted out of that. I have filed exactly 3 claims in 33 years. Insurance with State Farm is basically legalized extortion.

I started renters insurance with Larry Gosney State Farm in 1995. I had a claim 11/02 under $1300, 7/04 under $500 and 5/11 approx 2000. SF cancelled! I paid premiums faithfully.

They are the most dishonest group of people. I had 3 leaks, causing numerous problems, incl foundation. They send out their engineering company and say that none of these problems were created from the leaks. haha. I might be blonde but I'm not stupid. These engineers they send out work for State Farm. They say they are independent, but they don't work for hardly anyone else. Certainly not for any individuals trying to fight their insurance company. These Engineering companies that have no morals and do this for the Insurance companies should lose their licensing and not be able to practice any longer. They are just as crooked as State Farm.

This engineer even said that I would not loose any soil down a busted sewer line. Everyone knows soil gets sucked down sewage lines. Shifting the land from uphill or making a big sink hole. I told that engineer he should go back to school. I have been fighting with them over a yr...because State Farm told me if I wanted to hire an engineer and get a report that they would review my case. That was a lie! I got 2 engineer reports, stating the cause of my problems was because of the leaks...paid out a lot of money just for them to say, 'we still are denying it'.

State Farm was just trying to waste my time and drag this out to the point where I would run out of time to sue them. I'm looking into attorneys now. BTW, I have had ins on my last two houses with them (20 yrs) and my auto for 25 yrs...and this is how they treat me! Wow. Never again after this is over will I give another dime to State Farm and please, No one use this company! If you don't want to be ripped off and lied to over and over.

After 20yrs paying State Farm home insurance, we had wind and hail damage to our roof. One room inside the house was leaking bad. Shingels were torn off also due to hail damage. I posted a claim. The independent adjuster told my roofing contractor that she can't go with this claim because she was afraid of being fired. The claim did not go through. State Farm sent a letter to m on how not to make a claim. Other homes in my subdivision are getting new roofs but the key is they did not have State Farm insurance. Don't hire State Farm.

After being a loyal customer for over 20 years, State Farm dropped me for having three claims within a three year period. The claims were severe weather-related, except for one which was a slab leak that caused damage to my home. I received the letter on my birthday stating I was no longer wanted as a customer. I felt like an old unwanted dog with mange that was kicked to the curb in the cold. To add insult to injury, I have been placed on a database that shows my claims for all to see. Not only did I get kicked to the curb, but I have been put on a list that makes affordable insurance out of reach for me. I think it's evil what they have done to me.

I signed a survivor-ship deed with my father in 2007. We refinanced the home under my father. I have remained on the deed. I make all payments for the home and that money pays for the insurance. I was given an auto policy for 2 vehicles, with a discount for having the home policy. Mr. ** claimed I am not on the Deed for the home. I am. My father said that his friend who works for Mr. ** wrote an illegal policy that was not supposed to include me. The lady has been extremely rude to me on several occasions. She claims I'm not on the policy for my home and refuses to answer questions about the policy.

It's terrible! The two representative at Brian ** office quoted me a premium of $615.00 with $1,0000 deductible for dwelling coverage for rental property located in Moody Al. After the policy was written, I was informed the deductiblelis $2,500 since I don't have auto coverage with the company. This is a form of bait and switch. I requested the policy be written with $1,000 deductible since I did my due diligence. The broker, Brian ** stated there was nothing that could be done!

That is wrong, poor business practice and definitely not in the best interest of the customer. I will never contact State Farm Insurance again and I will share my experience with as many individuals as possible. How can State Farm correct this issue?

I went to the Toms River State Farm Insurance company on Route 37, to ask for a quote on a new home purchase. The woman immediately apologized because everyone was on lunch, but she would take my information, and get back to me. I asked if there was anyone that I could speak to, and again she said everyone is on lunch. I said then you should close your office, or put a note on the door. She took my information, and then I said I'd rather speak to someone face to face, instead of doing this important information over the phone. She offered no solution, but a phone conversation.

I left State Farm Insurance Company. I will not recommend them to anyone, nor will I use them myself, because the three ladies eating lunch could not leave their lunch, but instead would, and did leave the office unattended. Shame on them.

I would rate State Farm a zero star if this site would allow it. Not only are their premiums twice as much as the competitive market rates, but the company immediately began threatening to cancel our coverage when our house was burglarized. The only customer care that I received were a number of phone calls to convince me that I should raise my coverage amount, thereby increasing the already too high premium. Two weeks ago, I received a terse letter from State Farm notifying me that they decided to cancel my home insurance coverage. No reason given, no option to appeal. No anything. They were very efficient in notifying my mortgage bank that they are canceling the coverage so that the bank could panic and warn me that I better get a homeowners insurance or else. All in all, this kind of stories reinforce the image of bad insurance companies.

I have been with State Farm since 1985. I had two houses, boats, two autos, hospital policies and etc. with State Farm. My agent of 26 years Suzanne ** was negligent in rating my flood insurance policy for the Ft. Lauderdale house. It was built in a flood zone "B" which I found out did not require a flood elevation certificate but in 1992 it changed to a flood zone "AH" which with a flood elevation certificate would have been around $1300.00 cheaper each year.

Her argument and State Farm's corporate office say "you the insured" should have told us about the change. When did it become the insured's job to know the insurance, isn't this what an agent is for? Otherwise you could just send in your premiums yourself. After much arguing I found a document in the safe that State Farm ordered in 1998 to determine my flood zone. It said "AH", now they say I didn't have an elevation certificate so "AH" is higher without it.

Well FEMA requires an elevation certificate before writing any policies in a flood zone "AH". State Farm is denying any assistance and wrote a letter again stating I should have had an elevation certificate. This all came about when State Farm raised my homeowners insurance from $2800 a year to $8900 a year when I left for an independent agent.

They asked if I wanted to change my flood servicing to them and I said yes. They said I have to have a flood elevation certificate to write it. I called State Farm and that is when I found out they apparently did not have one or refused to provide it. When I obtained one, the rate went from around $1500 a year to $498 a year so for the past 19 years State Farm has been ripping me off and their agents make 20% commission on these policies. We need a class action lawsuit. Check your flood policies and your zone with your city or get an elevation certificate now.

State Farm canceled my home owners insurance, reason a broken window(which is a lie, I had a broken window about 2 years ago; mold on one wall a small amount, trash in yard; really not trash. It is a storage shelf on outside wall, same wall they are complaining about the mole. nothing to do with the structure of house.

I had problems with my roof and they took weeks to come. Chris came and said to get it; got one but they didn't like it. Statefarm came with Steven ** who told me to go with him, so I did and after weeks of waiting, they got the okay from Statefarm. They did the roof after loads of aggravation phone calls, asked to go with who I called and gave them the number. Then they called and said that they couldn't get them go with Steven who their people brought here in the first place. I was told to let them know when it was done and I did; they never sent anyone out to look at it. Gregory ** just told me he was to come out but he said I figured so why come all the way out there when Steven could send pictures.

Now, Im getting high bills. I call Mr Matts and he said that he doesn't understand what's going on and will check. Well, I want to know! There's a high increase and no direct answers. I was told that Statefarm does this if you put claims. In this I hope it isn't true. Isn't this why we have insurance. I had another problem, it cost me $2,500 and I could have claimed it and didn't do. I get credit for that and I have a good driver's record and I would just like to know what's going on!

My home was hit with a tornado in April. I am still making repairs to the property. I am beginning to submit receipts. I was told that I have already been overpaid on my claim! Seriously? I submitted copies of bids for the damage to my kitchen that they are now saying they will not pay for and I got a letter that my policy will not be renewed in November. I have had State Farm for my homeowners for 30 years and also various autos. Now, they inflate the non-recoverable depreciation to say that I have been overpaid? They change the amount each time I speak with someone in their Florida office. Someone, please stop this company from devastating additional homeowners with their fraudulent practices.

I have a "Vacation Rental" in my home and my State Farm agent told me I was covered under my home owner's policy. I was not covered under any condition and found this out almost a year later. I asked my agent and his staff many times if I was covered as I was catching a lot of flak from my other business associates who were paying 3-4 times more for their policy. Even though my State Farm Agent told me I was covered, every single agent from other insurance companies stated that all homeowner policies do not cover "a business in the home". I finally asked my agent to put something in writing, and at this point he finally told me I was not covered according to his head office.

My experience is nothing new and I find people all over the country with State Farm Insurance who say they are covered under their homeowner's policy. This is 100% wrong. I see that State Farm is doing a lot of negative advertising, or using scare tactics to keep you with State Farm. One commercial shows a man in a car accident on the phone with his State Farm Agent. He asks: "Hello. Am I still covered?" The agent replies: "No Bill, I'm sorry, but you dropped us back about 5 months ago". The man goes on to plead over the phone: "Please take me back Jessica!"

Another thing about State Farm and all insurance companies is this: They want to get you the lowest rate possible so you will switch and buy their policy. To do this, they are selling you a policy that has only a minimum amount of coverage. Perhaps only $30,000, or whatever the minimum required by the state. After gaining a lot of distrust for State Farm, I looked into my motorcycle policy with them and they wanted to charge me $400, up from the $300 I was paying. I decided to go with Progressive which is better known for cycle policies and found a better policy for only $100. I was being robbed for many years by my agent. He could give no answer why the rate was 3 times higher.

For the last two months, we have been living in a "warehouse" following a pipe rupture that flooded our main level, leaving us without ceiling, floors, and the bottom 18 inches of our walls. The most fun part is that we have been inhaling plaster dust, both from the walls, as well as, the flooring, which is a combination of cement and plaster. State Farm inspected the property and determined that in their convoluted language, they are not responsible for the damage relating to "earth movement." Coincidentally, the pipe ruptured on the same day as the earthquake that occurred on the east coast; however, the "third party engineer" found no structural damage related to "earth movement." So, we continue to sit in an exposed house, inhaling plaster dust, fighting with State Farm to cover the repairs, for which we pay a monthly policy fee.

I had State Farm insurance for almost twenty years and have had to file one claim due to lightning damage to my home. Last month, when I was away and my wife was in the hospital, I had a pipe burst in my home. The water ran throughout the house for almost a month and State farm said that they would pay for the water damage but not for any mold damage; water running through the house for almost a month put mold everywhere. If this pipe hadn't burst then there would be no mold, so in my mind all the damage to the house and my personal property should be covered.

So far, State Farm has cut me a check for the damages to the house but are not wanting to pay for anything else that got damaged. Is there any recourse on my part or am I just screwed?

I received extensive damage from Hurricane Ike. State Farm delayed, denied, and lied for 2 years. When I realized they had no intention of paying my claim as per my policy, I documented in writing and taped recordings every conversation. I sent multiple letters to the CEO, Board of Directors, Attorney General, and TDI.

I had multiple adjusters, that all lied in an attempt to delay my claim until the 2 year statute of limitations and to pay only a much inflated depreciated loss. I am currently in a lawsuit and if I would not have such good documentation, I would not have a chance to get what my contract states should be paid.

It would take a book to write about the entire tactics State Farm used to deny my claim. They caused enough stress to kill someone without resources or as most, just give up as State Farm continues making billions on policies they never intend on paying claims on. They just pay off the governing bodies so they can get away with this!

I received a notice of non-renewal as my insurance was to expire on 9/29/2011. Now I cannot get homeowners insurance anywhere to do a claim I had last year due to hail, wind and storm for which I put a claim to repair since I had water damage inside the home.

Filed claim with State Farm because of damages from Hurricane Irene. My house have roof damage, vinyl siding damage and damage from the rain on the inside of my house. I also have ceiling and windows that are leaking, wet carpet and a French door that hardly opens due to the damage. Contractor gave estimate of $11,575 to fix everything. State Farm gave me a check for $5,500 and this is minus my $500 deductible. I feel if they can sponsor golf tournaments for the PGA, then they can fix their faithful customer's homes who has been by their side for years. Maybe we need a class action lawsuit to stop them from treating the customers like crap.

For me, State Farm gets no stars. As far as I'm concerned, they should change their slogan to "we're only a good neighbor as long as we don't have to pay!" I encourage everyone who has this insurance to change as soon as you can. They will drop you as soon as you have a claim.

On May 8, 2011 we had a sewer back-up which ruined 2 bedrooms and other valuables. After contacting a plumbing company to check our pipes, we contacted State Farm. They came out, made an assessment and put in a claim. Now 5 months later, we get a letter in the mail stating this insurance coverage is no longer acceptable. The reason given is, "cause of loss is water damage". You tell me is that being a good neighbor?

My advice is to not ever use State Farm Insurance. When you need them, they will not be there. But in my situation, I'm already "in", with multi-line discounts. Any accidents that have been "forgiven" by State Farm will not be forgiven by the "new" insurance company. Once you use them, they "Gotcha!". Think twice, don't start out with State Farm!

I have been with State Farm insurance company since 1996 with various autos, flood and homeowners policies. I have the current policy for home owners since January of 2007. Until 2009, I have never had one claim against any policy. In 2009, I had a claim for $3,500 with regard to a sewer back-up and in May of 2011, a second claim which amounted to $16,000. Unfortunately, because of the two claims, it was impossible to not utilize the home owners insurance. This is not something that was easy for us to go through as it took many months to work through the repairs that needed to take place. Isn't this what you pay home owners for over the years, in a case of need?

We have just learned that after all these years with State Farm, we have been canceled because we had two claims. Shame on State Farm for canceling us and relating that MN and FL (the other state in which I had State Farm insurance) were not profitable states! In addition, they told us that we would be placed on a hard to insure list, thereby making it more difficult to secure another policy.

I cancelled my renter's insurance on 9/21/2011 and they still continue to charge me even after I cancel. They put the payment electronically withdrawn from my bank twice after I cancelled. Because of their mistake, I had an overdraft for $99.00 on my bank. I do not see why I should have the penalty of the overdraft for State Farm's mistake. Please put the funds back into my account. I spoke to my bank today and they asked me to contact you. They will also investigate the problem.

I had State Farm for over 11 years covering both home and cars. I changed to Allstate now!

I was given the wrong policy for my house. It was over $900 per year. Allstate quoted me $232 per year. I have a town home, not house and I only needed an inside insurance. When I called John ** office, I got a runaround, then a yelling match. I was told I have to pay attention. They don't want to take the blame. I lost over $8,000 over the last 11 years.

In April of 2011, our home was hit by a tornado and we lost several items on our farm. Our lawn furniture blew away and the doors on our barn were blown off also. We had a windmill that we used for energy in our barn and that was also blown away and we lost power for 2 days. When I filed the claim, I had no idea that it would go this way. It is now September 28th and we still have not settled the claim.

At first they wrote me a letter describing what I needed to do to get my stuff paid for. I did everything they asked. Then a week later, they started asking for more stuff. I had just moved into this home a little over a year ago so some things got lost in the move and when we lost power the basement flooded and we had lots of papers in boxes that were still sitting on the floor, they were covered in 6 inches of water. So now that State Farm knows that I may have a hard time finding my receipts for certain items they start insisting that I produce receipts.

My daughter lives in Australia and I went there this summer to visit her, and as soon as I returned home, the insurance adjuster was calling me, like he knew what day and time my flight was coming in. He began calling me everyday 3 to 4 times a day. They finally covered the barn doors and the windmill which totaled $1998.00 that's with a $1000 deductible. Now they are fighting me over my lawn furniture and the meat that was in my freezer. I have had no lawn furniture the entire summer. The meat was something that my husband had always taken care of so I didn't know where he got it and I never really cared but now all of a sudden I need a receipt for the meat also, mind you my husband is in Kuwait and we talk on a limited basis and I don't like bothering him with ** like this. I was finally able to get the name and phone number of the guy whom my husband bought the meat from and I sent State Farm that receipt, but in the meantime while they were waiting, they went around to my neighbors and asked them if they had sold us any meat. I was completely blown away when my neighbor told me that they had shown up at his home. I searched all of our records online for the past 2 years and found the receipt for the lawn furniture. I sent that to them.

I called the agent regarding the damages from the tropical storm Irene. Electrical service pulled off at my house, and had to install a new service. I also lost food from a refrigerator and an upright freezer. I was not looking for thousands of dollars, just to cover food and electrical repairs. I was told that the wording on policies from State Farm makes this a hurricane deductible of $3700.00 even though it changed to a tropical storm (which would have only been a $500.00 deductible). Other companies, which I know for a fact, did not do this, claims were covered immediately.

What's wrong with State Farm? They are supposed to be a good company, and doesn't sound like it to me. I have never put in a claim on my homeowner's insurance. It sounds like State Farm is going to lose a lot of policy holders, which I am possibly thinking about. I want an insurance company I can count on when something goes wrong. It makes me wonder if I ever had a really serious situation, would they be pulling the same thing with the language regarding clauses in the policy, and not cover the problem! Due to the way State Farm is handling this situation, I would not recommend State Farm Insurance to anyone, even my enemy!

Damage caused by hurricane Irene: Collapse of Master Bedroom Ceiling damaging $7,000.00 bedroom set, 52" LCD TV, carpet, and others. The room is inhabitable. Water damage to kid's room including carpet, 32" TV, Nintendo DSi, clothes, and mattress. Water damage to upstairs hallway ceiling. In the backyard, damage was done to kid's trampoline, kid's swing, tool shed, screen room, vinyl siding, and vinyl fence. The roof vent is damaged and the gutters are ripped off in the back of the property.

I have been with State Farm Insurance Co. since we bought our house in 2001. About one year later, my son was robbed in our driveway, totaling over $1,000. We put in a claim with State Farm and they paid him the amount minus our deductible which, at that time, was minimal.

Then in 2003, we had a leak in our basement, and I called to just check if it was covered. Since it was a weekend, the girl who answered said she was not sure but would check and get back to me on Monday. She did and told me it was not covered. A few months went by and we received a letter from State Farm that they were cancelling my policy due to too many claims. I called my agent and told them I didn't put in a claim for the water damage and that I was just inquiring if I was covered. They didn't cancel my coverage but told me that my deductible would be raised to $1,000. Funny, it was the same amount they gave my son for the robbery.

Now comes the hurricane last month. My roof was damaged and it came through the ceiling causing the tiles to fall down, wood floor to be damaged, and walls to be damaged from the leaking. The adjuster came out this week, looked at it, and told me that I have a $2,000 deductible. Have the damage repaired, send them receipts, and they will give me a check minus my deductible. I called my agent and was told that indeed my deductible was $2,000.00.

I asked when this change came about. She told me that since I had two claims it was increased. I told her that I never made a claim for water damage, I was just inquiring. Then she said that an adjuster came to check the water leak. No one ever came; I just talked on the phone. I guess that's how they make adjustments. I just renewed my policy in July, but you can bet it will be the last.

For 35 years, I've had State Farm insurance - never submitting a claim and never receiving a penny. Now with Irene, I need them and they won't pay me anything. My basement is flooded, but I don't have flood insurance so I'm not eligible for help. I have hurricane insurance, but they say Irene was a tropical storm and not a hurricane so I'm not eligible. I have mold and fungus insurance, but the mold and fungus were caused by the flood in my basement so I'm not eligible. I have loss of use of dwelling coverage and I may soon be unable to stay here because of the mold, but this is not covered either because it was caused by the flooded basement.

It doesn't matter that I'm not in a flooded area and that 35 years ago I was advised to save my money. It doesn't matter that I've never put in a claim.

I have been with State Farm for many years. Water washed away the foundation of our homes. The homeowners insurance through State Farm said it was "an act of God" and this is not covered. The adjuster paid for a worthless Geo Technical engineer to come out of state and verify it was "poor soil". How can you tell that by looking at the walls, closets and floors? What a waste of an insurance company.

State Farm carried our insurance for home and autos for about 10 years. We had a fire from electrical issue. They canceled us and Mr. ** or his office never contacted us. He blamed the corporate office and said "I hope you know we don't do business like this, it's the corporate office". I indicated to him that his office never contacted me and after 10 years, I expected at the very least a phone call. That was the last time I looked that he works for this company. I guess as long as you pay them and file no claims, you're fine.

I had a water pipe burst the same day as the earthquake. I had 4 inches of water on the floor. State Farm sent Sean ** out to assess the damage. He didn't even look at the pipe, which the plumber told me was very brittle. He just said "earthquake" is not covered. What a **! On State Farms' website it states that "we're there for you when disaster strikes". They should add "except.."

On August 23rd and 24th my house was broken into; the thief stole two computers with their attached monitors, my home theatre system (he did not get my HDTV monitor however) as well as the Magic Jack card inserted into one of the computers, an MP3 player, a digital camera, and a bottle of prescription medicine that I need. Besides having to go to the hospital for two and half days because I did not have my prescription and could not get it emergency refilled over the weekend, I felt very angry and unsettled about the entire experience, obviously. I called the police; they came over, and looked around. There was not any obvious sign of forced entry (although my door handle was noticeably loosened), and they did not take fingerprints. They had me get all the model numbers and serial numbers, and they created an official police report.

Then, I called my insurance company, State Farm. This was the first time I have ever filed a homeowner's insurance claim in my life, and I have been a homeowner since 1998. I have been with State Farm since 2006. I have never really had a problem with them either; I always renewed my contract with them, and paid my bills on time, if not quarterly. Now back to my claim. When I originally called my local agent, a woman answered and I told her about the incident. Most importantly, she told me that State Farm does not go by the depreciated value of the items that were stolen. Instead, they go by the actual cost of the original purchase. I still had the receipts for the home theatre system and both computers; the other items I did not have the receipts for, but probably added up to about $150. She gave me the phone number for the claims department, which I called the following Monday. I started the claims process going, and I did everything I was asked. I had a few conversations with different members of "Team 41" and they proceeded to tell me encouraging, contradictory, and sometimes disheartening news. Some of the Team 41 members told me incorrect information, regarding depreciation and how I am reimbursed, and so forth.

The first sign of problem was this the deductible I originally signed up for was $1000. At some point in the last two-three years or so, they changed their deductible policy "across-the-board" to 1 percent of the amount that State Farm would have to pay if your house was totally destroyed. For me, it was $130,000 (in this market there is no way I could sell my house for that much, either) making my new deductible $1,300. They informed me in my yearly renewal letter, and the wording was in small print. I did not notice the change, and I apparently did not need to sign it in acknowledgment either. The change is assumed acceptable if you continue to simply pay your bills. So, I was shocked (but not too upset) when I discovered this as I was filing my claim, as $300 is not the end of the world. The original cost of all the items that were stolen was about $2600, so I thought there was plenty left over to replace the missing equipment. Still, I was pretty miffed and suspicious.

Today I called back regarding some questions about my claim. A Team 41 member named "Jared", whom I had spoke to before, informed me that State Farm does not depreciate the value of the stolen items! He added up the benefits I would receive from the depreciated items on my claim and it came to $1,309. So, I get nine bucks! I called my local agent Lenny ** in Saint Louis, and spoke to his son LJ, who seems to run the operation now. He listened to my story, and promised to call the claims department on my behalf late this afternoon. So, now I am awaiting their decision. As long as they replace my refurbished computer and monitor with a similar one that I purchased at MicroCenter at a huge discount (under $300), I said I would find that somewhat acceptable. I already bought a cheap home theatre system, so I can get sound on my HDTV, and I really don't care too much for the other items, but they do add up. So, I think I am going to ask for a $400-450 computer and monitor system.

If they do not do this, and basically screw me over, I have decided to take legal and public action. If any of you all want to file a class action lawsuit against State Farm, let me know. I know a bunch of attorneys, and one who specializes in this type of litigation.

First, allow me to state that this complaint is not registered against any one individual within the State Farm organization, especially Barbara **. It is against the standing State Farm practices and stated procedures that cannot and will not be overruled regardless of circumstances. The issue is that our homeowners policy was canceled after 40 plus years and 6 digits in total premiums because of a claim that was not our fault. A contractor ruined the siding on our house during cleaning and his insurance would not cover it. We submitted it to State Farm so they could work with the contractor's insurance carrier for a mutual agreement. State Farm never contacted us on the outcome of the negotiations. Otherwise, we may have agreed to pay a part of the claim to lower the cost. This was a claim for over $20,000, which we agree was substantial. We thought everything was okay. This was 4 years ago.

This year, we filed a claim for a lost bracelet that my wife has had for 20 years, for a loss of $2,500. Lo and behold, we received a cancellation notice due to the two claims being more than their allowed amount over a 5-year period. We were shocked. Our agent rep (Barbara **) tried to help resolve the situation. And then, we spoke with a corporate rep to no avail. She stated no exception, even though they did not communicate the initial claim resolution with us.

State Farm does not stand behind their word. I had a company fix my roof. It was fixed and half-assessed. A bad storm hit with hail and the roof shingles flew. State Farm said that the roof was never fixed. You want to get screwed? Please get State Farm insurance. I have no roof, but I will be looking for a company to stand behind and protect my family.

Sump pump failed on Sunday, 8/14/11 flooding basement. This was the 2nd time, first was in 2004. I was told then that I didn't have coverage. I had $15K loss and damages. I have read online about certain types of plumbing coverage and decided to check again. I was told it was not covered but could have had sump pump coverage for $35/year even though nothing was communicated to me in 2004.

A bad tornado came and hit the subdivision. The tornado was right over our house. The roof was repaired. Later the next year, another storm came and hit over and over, but when I called to report another claim, no State Farm. The adjuster looked and asked 3 times "Do you stay here?" and I said yes. He made my day. So State Farm canceled our homeowner policy. I pray in the blood of Jesus Christ that the State Farm Insurance Corporation go out of business.

We had hail damage and was told to replace siding from the back of the house to the side of the house. The siding was blown off and I had to screw it to the house to keep it from getting blown away. Then they suggested I have it pulled off and reapplied. Neighbor had new roof and siding. My adjuster said I had no damage. Total **!

I will be looking for a new insurance company for house and car after 40 years.

My sewer line backed up and I filed a claim with State Farm. They sent ServPro out to help us clean up the mess in the basement. At no time did they imply that we were not covered. The plumbers identified the problem to be a blockage in the sewer line that runs from the house to the street, and they found some roots growing in the line. State Farm then denied the claim, indicating that they would not cover us in spite of the fact that we had been with them for 18 years, had never been offered sewer/drain backup coverage and had never denied such coverage.

Not only were they negligent in selling us a policy without informing us that this was a necessary endorsement to have on the policy for a home owner, they never once brought up the idea of adding it to our policy during reviews over the 18 years we have had coverage with them. Furthermore, they now refuse to pay a dime toward the ServPro folks who billed us for more than $2,000 for their "mitigation" efforts. Never in a million years would we have accepted State Farm's help via ServPro if they had indicated at the time of the claim initiation that: (a) we lacked the needed sewer/drain endorsement on our policy, and (b) we would not be covered at all for the costs billed to State Farm by ServPro. State Farm policies are not worth the paper they are printed on and we will be taking our insurance business elsewhere.

My grandfather had Homeowners Insurance with State Farm on a rental property. He had a large tree in the backyard that was dead and needed to be cut down. He payed someone two separate times to cut the tree down and both times they never came. He could not afford to pay for it again. My husband agreed to do it for him.

He was about 30 feet up in the tree and fell. He suffered dozens of fractures in his skull, a severed ear canal (he can no longer hear out of that ear), fractures in his back and ribs. He had just completed his master's degree which he worked so hard for with a family. He was unable to work for quite some time and will never be the same. In so many ways, his life was ruined. State Farm would not pay one cent. We have suffered so much as a family because of this and I don't think financially we can ever recover. They shouldn't be able to get away with this.

I called State Farm to tell them I have a broken laptop in July 25, 2011. They asked me a lot of questions. I answered them all. They asked me to send them the item and other information (names and years). Also, to send receipts. I sent the ones that I got from the store. John ** got smart with me. He told me that he needed the original receipts. He asked why my name is not on some of the receipts. I told him my friend gave it to me. So, John ** just started snapping at me; he asked who it belongs to because some of the things stolen were two laptops and so on. John ** asked if it mine or my son's. He was just very rude to me.

I had been a State Farm customer for about 20 years. Three years ago, I had an issue at one house with rotten sill, a friend told me to call State Farm, my insurance company as it may be covered. I explained the issue and they said probably not covered but we will come look anyway. I said ok. They came said it was not covered and left. We were in agreement.

Two years later at another house that was insured also by State Farm, I had a roof leak, called State Farm, the came out, agreed there was an issue and said you can use our contractors to fix it. We were in agreement. The fixed the issue and a few months later I renewed my policy as normal.

A year later, yes a year later, one of the contractors, Service Master Elite, 12 Continental Blvd, Merrimack, NH 03054. sends me a bill for $625. I called them and asked them what this is for and they said it is for a deductible. I told them that was not the correct amount of my deductible so they then send a bill for $500. After going back and forth with them for months State Farm never paid them and I owe it to them. I bring this to State Farm attention and they dropped my policy and told me I owe Service Master $500 and I have had too many claims. What is odd, the rotten sill claim, in which there is no pay out, they counted as a claim. They renewed me the prior year after the water damage but not the next. The only conversation I had with State Farm was about a Service Master Elite bill from over a year ago. I did some further digging and find out that between my claim date and the prior year that there were a number of law suits between State Farm and the contractors they recommend for insurance work. Service Master is double collecting on this and I have no way to prove it. When ask why they changed the billing amount someone stated in an email it was from a verbal agreement. How Many insurance companies have verbal agreements with their contractors????

I would advise any and all people to just stay away from Service Master Elite in NH and State Farm. Service Master decided to double bill people a year later and State Farm did nothing about it. Service master then claims I am responsible for all payment even though they were contractor through State Farm. DON'T use Service Master or any other contractor.

If you have State Farm and have a claim, get the $ and manage any and all repairs yourself. They don't care about their long term customers and there is some sort of funny business between them and their contractors. My local State Farm rep. Mike Libel tried to help but once he said the State Farm corp. in NY make a decision it is done. Again, I am not sure what scam they have going on but I would advise all to just stay out of it. .

I am a 25-year customer of State Farm (auto, home, life). I live in a neighborhood that was built in the late 1990s to early 2000s by mostly the same builder.

Last year (2010), the neighborhood experienced a hail storm. All the homes in the neighborhood that was built by the same builder as my home filed claims and had their roofs, gutters and siding replaced. All, except mine.

Talking to my neighbors, none of them were insured by State Farm. It seems I was the only one with State Farm. Three State Farm inspectors could not explain to me why all the other homes were covered except mine.

My opinion, stay away from State Farm. They've proven to me that "they are not there".

after 4 years of homeowners insurance we filed a single claim int eh amount of $2800.00 for theft. This is nearly 2 years after the initial claim, 1 month ago we recieved notification that our policy was being cancelled. We contacted our agent at time of receiving the letter, 26 days later, 3 days prior to it being cancelled he contacted us backsaying he had appealed but it was turned down. stating, sorry my hands are tied, contact me in 36 months and i can see if we can pick you back up.

My parents were customers of State Farm, through Curtis ** (agent), and I have been since I was young and started driving. We have all our autos and home with State Farm here in Dallas County, but I see a change of Insurance Companies in the near future.

We had an adjuster from State Farm come by and assess the damages from a storm on May 24, 2011. He told me if they could not match the siding, it would be completely replaced. I was told the same by three reps. After we received a check, it was evident that he had not done a complete assessment of all damages. I put it off to the heat and he was an older gentleman and very kind.

I phoned State Farm and stated that not all the damage had been assessed. They (State Farm) had another guy call and make an appointment for July 22, 2011. He phoned to say he is running an hour late. I told him it was okay because my husband was on his way home within thirty (30) minutes. He then replied with, "I'm finishing up now and on my way." I told him that I would rather my husband be here as well. Again, he said, " I'm on my way." (he acted as though he didn't hear me or didn't care). He was in front of our house in under five (5) minutes, which I thought was strange. As soon as he stepped up on our walk way and stuck his hand out to shake, I felt very uneasy about him. I told him all that he needed to know and he acted in a way that he was being bothered and didn't want to look. He snapped a few photos of our tree stump, fence, stone landscaping and two (2) or three (3) of our siding. He then stated that he was only there to gather a piece of the siding in order to match it.

At first, he tore at a very long piece of siding that connected to our back porch and a vent, he did break this piece. I told him that there were smaller pieces, so, he stopped ripping at the larger piece and went to the back of the house and tried to rip off a piece. He was having trouble with it and said, he was unfamiliar with siding. He finally took both hands and ripped the siding off. This guy was strange and angry acting about being unable to tear the siding from the house. At this point, of him telling me he was only there for a sample of siding. I decide to go back in the house and showed him the gate in which he came through. He phoned later and told me that we had never repaired our siding from a few years ago. I replied that we had repaired all but a corner trim (We had found a house being torn down and they allowed us to take the pieces that we needed, but we couldn't find the corner trim). This guy was calling me a liar, saying it was never repaired and wrote a letter to the same effect. We called and all we were ever told were lie after lie from different reps. I did tell a representative of the guy's actions and that I did not want to speak with him again and for him to never come back to my property. It's very clear that this Mark guy is angry with my complaint of his strange actions. He needs to have power, that is easy to see from HIS actions and HIS lies. And with that, he is a scary strange person in my view.

I had homeowners and car insurance with Statefarm. I filed a claim with them when my home was broken into while on vacation, they underpaid me. I had all my papers in order. My policy stated they should pay me a replacement cost, but they gave me a depreciated value of the replacement cost, and not what I actually paid. They stated that once I replace some of the items, I could get an additional of up to $2,100 from my policy. But the same day, they issued me a check. They canceled my renters insurance but not my auto insurance.

On June 27,2010 we had a pipe burst and destroyed our first floor of our home.When State Farm Adjuster came to our home he told us not to use the premier service that he had someone to do our work.My wife and 16 year old son heard him.He gave me a name of a guy that ended up taking our money and not doing any work.State Farm said they were not liable.From june to December we were without a first floor and I have 5 children and a grandson.No kitchen,laundry room bathroom,dining room,no floors,just moldy sub floors.

On December 18 a State investigator came to my home and told us that the man that Mike Chambers (State farm adjuster) recommended to us was a violent criminal and his right hand man who was with him was wanted for sexual abuse and forced sodemy of a 10 year old and putting it on the internet.These men were in our home from July to the end of August every day until I gave him the money to start work. After not hearing from him I called the adjuster who said that Mr.Hernandez never did that before. Although state farm paid out 39 thousand it still was not enough to finish house.

I am making this complaint because state farm has dropped my home owners insurance as a retaliation.I have date,times and names of everyone we were in contact with.I am sick thinking about what happened and that State Investigater Atkins came from Richmond Virginia to tell us about these men and my children could have been raped or killed..

I purchased a home in June of 2006. Several years later, as I was doing some yard work in my front yard, a neighbor - who identified himself as Gary - ran from across the street to offer some assistance. During his short visit he said to me "I work for State Farm Insurance. When you moved in I wanted to see who you had insurance with so I scanned your name & saw that you were already with State Farm".

I thought this was unusual, as I did not authorize him to 'scan' anything and this was my first encounter with this man. I did, however, tell him that I was not satisfied with my current State Farm agent. Gary then told me that he worked for an agent by the name of Jared ** and he then suggested I switch my policy over to his office. Although I agreed to the transfer of agents, I still felt uneasy about the fact that he looked something up without my authority or knowledge. I felt this was an invasion of my privacy.

On June 10, 2011, I viewed my credit report with Experian online. I noticed that my credit report was viewed by 'LexisNexis/StateFarm' in March of 2011. I thought this was unusual, as I did not authorize such an inquiry. So I contacted my State Farm agent, Jared **, to question this. I received the company voice mail and I specifically stated that I wanted Jared ** to call me back.

Although I specified this, within 5 minutes Gary called me back. Gary said "what can I do for you?" Since I did not expect Gary to call me back and since my issue was pertaining to Gary, I simply said "I just wanted to know how much I am paying in house insurance per year because I am shopping around". Gary then gave me my price and we hung up.

I then called Jared's mobile number and spoke to him directly. I went into detail about the first incident that I had with Gary in my front yard. I told him that I was concerned because I saw that State Farm has viewed my credit report in March of 2011 without my authority. Jared explained that there was 'absolutely no way' that State Farm can view my credit report. I then asked him if his office had access to Lexis Nexis and he stated 'absolutely not'. He again told me that State Farm 'never' looks at existing customers' credit reports. He asked for me to send him a copy of my report to prove to him that State Farm looked at my report. I agreed and then we hung up.

Nearly 15 minutes later, I received a call from Jared. He was now in defense-mode, as his tone was now that of anger and he was now acting as if he were an attorney. Jared said to me "State Farm reviews your credit every 3 years", which is now a contradiction to his initial statement that State Farm 'never' looks at existing customers' credit reports. Jared insisted Gary 'wouldn't do such a thing'. I then reminded Jared, once again, that Gary ADMITTED to looking up my personal information after I moved into my house.

He said to me "look, what you think of Gary as a neighbor is none of my business". I then REMINDED Jared that my first encounter with Gary was unusual, as he (Gary) was discussing my personal information (that he had already looked up) for the sole purpose of selling insurance to me as a benefit to State Farm. Jared then said to me, in a sneaky little voice "ohhhhh, but that's not what you said the first time!" You said that Gary ran across the street and told you that he ran your credit report! Now you're giving me 2 different stories!"

I said to Jared "I didn't say he ran my credit report the first time he came to me, I said he 'scanned' my name without authority" - however he did this I DO NOT KNOW. But, in March of 2011 State Farm reviewed my credit report and I wanted to know why. Jared then said to me "No, you said that Gary ran across the street and told you that he scanned your credit report, now you're telling me something else. And see, here I called Gary and told him what you said & now your'e saying something else!" (as if to 'trick' me). Jared certainly is NOT A GOOD LISTENER, as I never stated this to him (AND IT DOESN'T MATTER ANYWAY, MY PRIVACY RIGHTS WERE STILL VIOLATED!).

I felt like I was arguing with a 10-year old CHILD. Jared is clearly unprofessional. He also made me feel as if I were on trial and I told him this. Jared then said to me "let me ask you this, why did you ever come to my agency?" (as if he were suggesting that I was a problem client simply because I was not satisfied with the service I received from my first agent - of nearly 20 years). I responded "because I was not satisfied with the way my last agent handled my claim" .Jared then said to me "look, you are certainly free to take your business elsewhere". So I am.

I have been a State Farm customer for about 23 years. State Farm has very poor customer service. I am now going to file a formal complaint with the Attorney General of Ohio due to my privacy rights being violated. I am now in the process of transferring my policies to Progressive Insurance, which has EXCELLENT CUSTOMER SERVICE. I want NOTHING TO DO WITH THIS COMPANY DUE TO THEIR LACK OF CONCERN, PRIVACY VIOLATIONS AND UNPROFESSIONALISM. 'Like a good neighbor State Farm is there'?? What A JOKE.

I cannot get them to settle my claim. They lie and put me off. It's a big hassle to file a claim and they keep sending out different people to look at the damage. They are the worst insurance I have ever had. If you buy this insurance, you need to hire a lawyer. I have storm damage and they are putting me off. I have called the local agent, the adjuster and home office. I cannot get this settled.

This has to do with refusal to pay a valid claim for mold and mildew damage in my house during the summer 2009. I have been able to show that lightning surged off my air conditioner compressor for an extended length of time which allowed the mold and mildew to form. State Farm does not believe me.

I had state farm, for 15 years never filed a claim until now. I filed February 3 2011 but the claim was not started until March 5, 2011. I have two big walls that are badly damaged. Dry wall turning sift, paint chipping and dry wall falling off! ceiling leaking, badly dripping down the walls and on to the carpet, water going in through the walls, water through windows, casing, gutters, shutters, wood structure around the garage, pipes in laundry, furniture and curtains destroyed.

They send some one. a Mr. **, he knew nothing about constructions and how much it will cost. He knew nothing about how the house was built. He said for one thing we will replace the carpet pad but not the carpet. I said the whole thing because you can see the spots and discoloration and the carpet has been clued to the carpet pad and to the slap. I said, you can't just piece the wall, it must come down. He said just paint it. He said I'm done, if you have any problems call the claim office in Florida not Indiana.

I called state farm back. They said they would not send anyone else out. He did not even now the rules for home association. Then I was told by the headquarters in Dallas TX that if he would not come back out ,to get a construction person and have them to estimate and call them back.

Hurricane Bill (East coast) of September 2009 blew off the cap from the top of my chimney at our home causing water intrusion that manifested itself this past summer. We called in a claim to State Farm (Corrine **) and she rejected our claim saying it's a maintenance issue (how crazy is that?) and refuses to pay for damages--about $8,000 plus carpentry.

If an insurance company rejects this, then homeowners should not have insurance. This woman made this decision and was adamant about not paying us for damages. If State Farm runs their company this way, then they're unethical and home owners should know about this before they take out insurance with State Farm. I don't know whether it's this woman who is unethical, unhelpful and crooked or State Farm in general.

My house was flooded by a water main break in November. The following January, the house caught fire, which was listed as arson. This fire was investigated by the PA state police, and State Farm. State Farm decided that I either set the fire, or had knowledge about it. The so called accelerator, was an industrial cleaning solution. Service Master was cleaning the house prior to the fire. They claim they use this product, but not at my house. State Farm proceeds to spend 2 to 3 times the $80,000.00 they owed me, to refuse to pay my claim. I did not set, nor do I have any knowledge of the fire. I was interviewed by the state police, and not charged.

My window broke so I called State Farm person If he knows some one to fix it. Kind of a handy man.Peter at the agent office advised me his friend's number and I called the number to fix/get the new window.

While fixing, he fell, and without our permission, he filed the claim with his friend who was an employee of the agent. State Farm had never sent us the letter nor called us that the person has filed claim. When policy was renewing, State Farm had sent me a letter stating that they cannot continue to provide me the same deductible.

It was only that time that I came to know that the Window Person had filed the claim using my policy. Peter at State Farm took the claim and processed without our authority. Now, all other companies are not giving me good insurance because of the fraud by an employee or agent.

State Farm Insurance was notified about foundation movement back in July, 2008. They sent Baker Brothers Plumbing out to see if water leaks were the cause for foundation movement and tested the plumbing system. They informed State Farm that there were two sewer drain leaks. Under the present policy I have with State Farm, it states that they would cover the cost to tear out and replace any part of the building necessary to repair the system.

They refused to cover this even thou it is in my policy Section (FE-5368) under coverage part A of the policy. The policy states coverage for a plumbing leak and does not state (Sewer or Fresh water). They informed me that I would have to cover the expense for the repairs, nothing was done. In August 2008, Bryant Consultants was contacted by State Farm and they came out to re-inspect the water system and told State Farm that there were three leaks but in their report they also stated there were no leaks. Then they also stated there were three leaks, two under slab and one above slab. (Question) how can there be leaks in one part of this report and then state there was no water leaks?

They were copying the report from Baker Brothers and adding one more leak to their report. In September 2010, State Farm Insurance was contacted again and I asked just what was covered under my policy and they stated I must file another claim to answer that question. They sent yet another plumbing company out to recheck the plumbing again. They reported that there were three leaks, two below slab and one above slab. I receive a letter from State Farm Insurance stating that if I did not correct the leaks then I would be non renewal for my insurance coverage. Well State Farm Insurance has not kept up their part of the policy coverage under the section Slab Leaks. It still does not state (sewer or fresh water). I opened the wall that they said was leaking in the master bathroom and discovered there was no leak or signs of any leaks. The lumber would be discolored or rotting.

I received a letter from State Farm stating they would not renew my home owner's insurance due to loss history. Claim #36f654168 on 6-8-010 paid $0 from water damage/freeze bldg, which I did not ask to be filed, only asked if it was covered and was told no, so why would I ask them to file a claim? Claim #36f652368 on 5-16-010 paid $37,543.06 from windstorm/hail bldg. Claim #36f491890 on 11-5-08 paid $29,620.95 from windstorm/hail bldg. I repeat I did not ask for the first claim to be filed and they should listen to their recording which will prove it. I have had insurance with State Farm for approx. 36 years and have approx. 7-8 policies. I paid them over $500 a month for this coverage. I will now pursue finding another company and transfer all my policies to them.

During the month of March, we had heavy winds passing our area. As a result of that, part of my roof was damaged. I tried to cover the roof as best I could to prevent leaks. I didn't want to place a claim with State Farm b/c I was afraid that my premiums will go up but then I was told that it would not up (my 1st claim). I called State Farm to have them to inspect my roof. I had one call from the adjuster Dorothy M. to tell me that we did not have any hail in my area during that time of the year. I told her it was wind damage. The appointment was set up for June 9th 2010 and no one was home at that time. The contractor for GA roofing agent agreed to meet State Farm contractor Mr. *******.

Later I received a check for $1113.00, money that according to State Farm adjuster Mrs. Dorothy M. will cover the damages. According to GA roofing staff, that amount of money will not be enough to cover the material neither the damages. I called Mrs. Dorothy M. several times requesting a second inspection to my roof. This time, I wanted to be present and be able to do the inspection inside out my home with the contractor. I was told, I am denied to get a second inspection. The damages were assessed by Mr. *******, the contractor for State Farm, are listed on the explanation of my claim/loss and that is all what State Farm is going to pay (without even inspecting the inside of my roof for any damages or mold. Mrs. Dorothy M. also stated that both of the contractors agreed that was the only damage in my house!

This message was left on my voice mail. I continuously called requesting to speak w/the adjuster and Mrs. Dorothy M. but I did not get a call back. "Totally Ignored". No one at State Farm was willing to give me information about the contractor Mr. ******* and I was told to get in touch with the same person who will not call back, in this case Mrs. Dorothy M. I called her office, her direct line, her cell phone and I was given another number to call but no return of my calls. In November, I decided to do my own homework and called a few contractor for estimates to fix the roof, at this time I had the opportunity to get on top of my roof and with the roofer I looked around visualize the actual damage of my roof as we inspected outside and inside of my home. "Mold had set up and the were visible damages in the interior of the house, I even felt the wet boards inside of the house. None of this damage was inspected by neither State Farm or GA roofing contractors.

Although, GA roofing personal ever denied agreeing with State Farm Adjuster Mr. *******. They also drop my claim, because they could not proceed with little money that would not even cover all the material needed, neither couldn't get in hold of Mrs. Dorothy M. to revise the claim.

I was not even granted money for a dumpster. State Farm proofs that they are not a company you can trust. I should not have to call over 20 times "with proof of calls" to just be ignored. I have no rights according to this adjuster, to request what I think was and is fair. I am not there for profit. I even requested that the adjuster from State Farm Mr. ******* can come up to my home and fix the roof with the money agreed should be granted to repair.

We, as a consumer, are penalized if we are late on our payments, but the we have to wait to get the Insurance company to decide whether they are going to cover or just deny your claim, worst then won't even listen what you have to say. Choose very wisely when it comes to Homeowners Ins. State Farm is a rip off and would not recommend to anyone.

This complaint is for a house insurance from State Farm. My house got flooded with sewer due to a clog in my sewer line. I made a claim and they told me that they're not liable in compensating me due to a clog that was caused by a root. What kind of insurance is this? They can't help you when in time of need. I had been with them for more than twenty years on automobile insurance and house insurance for more than 10 years.

I haven't had a claim until this moment. I'll be spending around $5000 and while the insurance will spend nothing. I definitely will be looking for a different kind of insurance for the reason of the above claim. I'll be transferring both the house and all my automobile insurance to another company. Any suggestion out there?

On August 19th 2010, a huge hail storm came through our town of Washington, Michigan. Tremendous amounts of damage was done in the subdivisions. Broke tree limbs, damaged roofs, broken garage doors and lots of hail damage. Shortly thereafter, I noticed that there were a lot of homes in the subdivision that were getting their roofs reshingled.

My immediate neighbor was getting his roof inspected by a contractor and while he was on my neighbor's roof, he noticed that there was also hail damage to my roof. Mr Jason ** the inspector, suggested that I call my insurance agent and ask for a claims adjuster to come out to inspect the house. I personally went to my agent here in Washington, Michigan and informed him of what I found.

My agent got upset and asked who were these ambulance chasers. My agent then told me that he would send out his own contractor. Well, the first contractor, Jason, told me that this was not the proper way for insurance agencies to handle claims. State farm contractor named John ** came out and looked at my roof and told me that he would have to come back because he had to bring his 40 foot ladder to get up on my roof which is a colonial. He informed me to call this toll-free number to set up an appointment with the claims adjuster. He told me that the adjuster would not go up on the roof. He also told me when the adjuster called me to make an appointment for me to call him.

The appointment with the claims adjuster was made for November 5th 2010. The adjuster's name was Michael **. When I called the State Farm contractor, he told me that he would be out-of-town on that day and that he would send out someone to take his place. On the day of the inspection, the adjuster came out and another person that would replace John ** came.

The adjuster went up on the roof with a little ladder to inspect the roof. The other gentlemen stayed on the ground. The adjuster acknowledge that there was hail damage to the roof along with damage to the down spouts and copper topping. However, the adjuster told me that the roof damage was normal wear and tear. He approved a check for $1266.00 minus deductible.

I repeatedly called John ** and he never returned my calls. In my opinion, this is an attempt to cover up the claim and for me to suffer. The fact that all the houses in my subdivision were built from 1998 to 2004 and most are getting roofs replaced because of the storm and for my insurance company to tell me that it is normal wear and tear for a roof that is only nine years old is totally absurd. First off, my wife and I are in shock that the hail did not do more damage to our roof like the other homes. We worry about the integrity of our agent. With our cars insured by State Farm as well and my life insurance policy, we worry about what kind of service we really are getting. We were told by three contractors, including the adjuster, that there is hail damage and now we are left worrying about the condition of the roof.

We totally believe that there is a conspiracy going on with the agent/contractor/adjuster and that we are not being represented in the way that we should be.

I was canceled after two storms crashed through my neighborhood causing severe damage to homes all around. How can we be cancelled after act of God situations? This is so unfair. Hail wind damage required roof to be replaced twice.

After inquiring into getting some storm damage repaired, found out that my deductable had been raised to from $1000 to $2000 which I did not request and had no knowledge of. When I called the agency to find out why, I was advised that a letter had been sent out prior to my policy renewal date informing me that they increased my deductable $2000 and if I didn't want increase my deductable I was to call the agency.

I don't recall receiving any such letter. I was told they did this to help save their customers money. (Apparently I wasn't the only one they did this to). The increased amount to my premium payment with the $1000 deductable less than $50, but that would have been easier to manage than trying to come up with $2000. In my opinion, this is just another sleazy backdoor way for state farm to get out of paying for repairs against a policy that I have had for almost 10 yrs without a claim while adding to their bottom line.

I discovered my basement was flooded and contacted a plumber to come out. The plumber snaked the pipes and conducted a scope analysis. I contacted State Farm and spoke with Audra. Audra informed us the cost to replace any pipe would not be covered. Audra stated they would cover any damage ensued by the back-up. Audra opened a claim and contacted someone from Service Master to come out to our home and clean up the mess. Alex from the claim department contacted us and stated the damage would not be covered. At this time, Service Master had just arrived to our home and gave us an estimate of $3,000 to clean up the water damage. We had to turn them away because we do not have this kind of money. The claims department apologized for the misinformation we were given from our insurance agent. We called back and escalated the call to a Team Manager, Charlie. Charlie indicated that if the damage from the pipes was caused from the pressure of the roots, the damage would be covered. He stated that he was reading from the policy directly and it indicated the damage would not be covered if roots were present but that it would be covered if it was caused by the pressure from the roots. He stated that he would contact the plumber to determine the cause of the problem and someone would call us no later than Monday with an update.

October 17, we received a phone call from Alex in the claims department. However, she only called my work phone so I did not return her call until October 19. October 19, we received a phone call from an insurance adjustor. He wanted to schedule an appointment to come out and take pictures of the damage. I asked him if that meant the damages were going to be covered. He indicated he did not know but was told to come out and take pictures. We scheduled an appointment for October 20 at 5 pm. October 20, the insurance adjustor came out to take pictures and gave us a personal property form to fill out. He stated we needed to complete the form and send it to State Farm with pictures so they could assess the damage. Again, I asked him if this meant State Farm was covering the damage and he said he did not know. October 22, I contacted State Farm to check the status of the claim based on the conversation we had with Charlie on Friday. I spoke with Renee. She indicated she would need to research further and call me back. Renee called back and said the damage would not be covered. She stated they contacted the plumber and because the damage was caused by the pressure of the roots moving the pipes, they would not cover the damage. I advised Renee that when I talked to Charlie, he said it would be covered if it was caused by pressure. Renee indicated Charlie was incorrect and that State Farm would not cover the damage. Renee advised me that we could add extra coverage to our policy that would cover this exact damage.

October 25, I called the claims department and spoke with Cori. I asked Cori why they sent out an insurance adjustor if they had no intention of covering the damage inside our home. Cori advised us that when the insurance adjustor came out, State Farm thought they would be able to cover the damage. Cori transferred us to our insurance agent who advised us the damage would not be covered. We advised her that we would be switching to another insurance provider who would cover this type of damage. She indicated no such policy existed. When we told her that Renee informed us of the additional coverage we could add to our policy, she stated no such coverage existed.

Mr. Mark came out to my home to asses roof damage that had also caused damaged to the living room ceiling and possible mold in the upstairs attic from a tropical storm that happened on September 29, 2010 - October 2, 2010. Upon his arrival I notified him that my contractor didn't show for some odd reason. He then proceeded his way to the attic approximately about 5-6 minutes he later returned back downstairs where I was sitting showed me pictures stating to me that he didn't see any mold in to what my and husband was referring to. So he said, "Can you come up to the attic with me to show me what you and your husband are talking about" so I proceeded.

He had made it to the side of the attic where the roof had leaked and when I stepped to cross to get where he was telling him and pointing to him that he need to pull up the comforter that my husband had put down to prevent further damage I felt the attic floor start to crack so therefore I fell through the attic floor going through the sheet rock leaving a big hole in my boys room. He pulled me up and I told him that my stomach was really hurting and I felt like I was going to pass out up in the attic. So I made my way down the stairs by sliding down holding my stomach because I was in pain. Called my husband and he took me to the hospital. On my way to the hospital notified my insurance agent about the accident. The state insurance agent later told my husband that they weren't responsible for my hospital bills or any compensation for my injuries.

Upon my arrival to the hospital I passed out at the ER entrance waking up shortly after being stabilized my doctors and nurses. CT scan of my stomach showed internal bleeding possibly bruised liver/or tear to my intestines. I was hospitalized on October 14, 2010 discharged on October 15, 2010 still under doctor care and have to see a trauma doctor in a couple weeks. I felt as though when the adjuster showed me pictures and notified me that he didn't see any mold he should've used better judgment than asking me to come show him what my husband and I was talking about. That was his job, I'm not certified or licensed to know what mold look like. What would another prudent adjuster have done in this case?

Mike **, a State Farm adjuster located in the Rockford branch, examined my mother's siding of her house which was damaged by my mother's roof. A roof which was approved by State Farm by Shleah, a very nice adjuster to be fixed due to weather damage. He was rude and boastful about his position with making sure he would never approve the claim.

Shleah ** behaved in a manner State Farm should be proud of. She behave professional and dedicated, yet Mike ** behave as if a five year old who was concerned with his ego than the issue at hand: my mother's damaged siding due to her weather damaged roof. My mother has been a State Farm consumer for several years and did not deserve his child-like behavior. Mike ** should be retrained to better further his career with State Farm, otherwise, the name "State Farm" will remain as "distasteful" in the eyes of their customers.

After 50 years of paying high payments, State Farm wrote to tell me that as of April 2011 they will no longer want me. I am a world war 2 vet and a widower and SS benefits. This is for home coverage insurance. They were very kind to tell me my auto insurance can stay. I'm assuming from all the quotes out there that I will be paying a lot more somewhere else. Oh well I guess I can add a couple more days to my spaghetti diet.

An agent forgot to include "roof collapse" new account. The roof collapsed and the agent admitted her error. State Farm still denied the claim. I'm still trying to work with them but it's not looking good.

Mr. ** gave me an email address that was wrong, and he could not get my inspection to write me a home insurance. He told me his name was Setp but it was Seth and the address did not have State Farm. When my time expired, it was then he gave me correct email address and told me they did not get my information. So the price is up because I could not get the information to him on time. But I tried every day. My email box did not have any undelivered mail from his wrong address so I think someone got it. But he claims he did not. I believe he wanted my date to expire so he can get more money. It could also be that he saw my name and say I'm Spanish so this could be racial discrimination, too. My home insurance expired and then the price is much higher.

I bought replacement insurance on my contents. Adam came to my house and looked at my home and contents. I asked about replacement insurance, he explained that if anything got damaged, they would replace the item. We discussed my 62-inch TV and he said if it got any kind of damage, they would replace it. My TV in my bedroom would not turn on and my 62-inch would not work. I called and spoke with Adam and he told me it sounded like lightning got it. I called claims and they told me they would send a repairman to my resident to see if it could be fixed. That's not what I was paying for to come out and start putting parts on it. So now, I don't have a TV and they're not going to pay. What a ripoff. Beware, it might to be happening to other folks. State Farm is not a good company at all. I changed my company.

If anyone can provide information, we need to serve State Farm Insurance by Wednesday, September1, 2010. Can anyone provide us a valid address where State Farm can be served? Apparently, our original service did not satisfy the court and the court gave us until September1st to make a valid service of notice of lawsuit or face sanction. Consequence will be inability to seek legal recourse for State Farm's denial of claim.

We were recently a victim of fire started by an uninsured renter living in the house next door. We were lucky that our house was not damaged but our backyard and outbuildings were destroyed. With the new claim process that is, segregation of services, your relationship with your local dealer is really just that guy who takes your check and shakes your hand. The claim process was labor intensive but fast yet has been unable to ask or get questions answered since a check was cut. My biggest problem is after 20+ years of loyalty we received a letter stating that our policy may not be renewed.

Two weeks after that, we received a letter stating we would be receiving a random home inspection and that it would occur in the next two weeks. No appointment or phone call here! Did they really use the word random? This process prompted me to do a little research. If you've had a fire claim of any kind, you are not eligible for coverage from any of the other major carriers for a period of 5 years. If State Farm decides to terminate our coverage after 20+ years of no claims, we would be forced to carry insurance through our mortgage carrier. Yeah, we can afford that! Even though I want to change carriers I can't. Did I mention we're just victims here! We didn't start the fire, we didn't help it along and we just lived here.

I am still having ongoing serious legal problems due to false information and testimony by a state farm insurance claims investigator. My house burnt to the ground in Kansas City, Kansas on 29 May 2009.

I had an insurance policy by State Farm. After being injured in the fire and in the hospital, my dad made a claim on my policy 2 June 09, the insurance adjuster had contacted me (over the phone) about details of the claim under policy, 3 June 09. He told me I could accept payments under a "loss of use" clause for displacement. At that time, I expressed disapproval of the claim, the Insurance adjuster, Mike ** of Topeka Kansas, had deliberately without my knowledge, paid money on this falsely created claim. Once the claim was created by my father, State Farm used this as evidence against me for insurance fraud. A warrant was issued for my arrest and then the insurance company conspired to make these payments as evidence in a future trial.

On my last day in the hospital, 1 July 2009, I was paid a visit by the Kansas City, Kansas Fire Chief, Randall **. In my statement under oath, I maintained my innocence re- affirming the cause had been an accident. On 7 July 09, a warrant was issued for my arrest. I promptly bailed myself out, paying 10% of $25,000 bond on 16 July 09. The insurance company issued a check to my father on 17 July 09, by way of the falsely created claim of State Farm. I Hired an attorney, 4 Sept 09 of Barnett law firm located in Wyabdotte Co, Kansas City Kansas.

I was given a pre-trial date of 31 Dec 2009. At this hearing the state's two main witness's were Mr. H. (focusing on cause) and Mike **, representing state farm, who had intentionally withheld information that payments were made to a 3rd party person (my father) claiming I had in some way benefited from these payments. Under homeowner policy guidelines, it is required that 3rd party persons be present in hearings and at the hands of the Kansas State prosecutor, Casey ** had collaborated with the insurance company, marked my father as a witness in that preliminary and then denied his testimony at the last minute to force him out of the court.

At this hearing was the first time I was aware monies had been paid, and my father could have testified as to what exactly happened. The original evidence on my warrant, listed by Mr. H. regarding an investigation by State Farm, was later proven to be false. In light of this unethical behavior, per my agreement with my lawyer, I was required to pay additional fees (if necessary)for services rendered by experts to help my defense in cause which I did. I hired Curt **, of Belton MO, and after a $2000 retainer, he was under the opinion I should make a plea deal, which my lawyer supported in an effort to push this through to the court without my best interest or proper defense of this case.

The fact is that, not only did State Farm lie for malicious prosecution, fire chief Randall **, knowingly submitted false information on a warrant for my arrest and had given zero evidence to the judge connecting my person with intent to defraud by way of arson. The unwarranted legal proceedings and prosecution have been going on over a year now. After attempting to focus on the wrong doings of the insurance company whose testimony was discounted, I came to realize supposed evidence could only be disproven by exposing in more detail the true nature of original affirmations under oath.

I would like to point out in this biased warrant, Mike ** of Sate Farm, is listed as a witness yet the only testimony offered by this Insurance entity are samples by private investigators, none of which actually testify in the preliminary. To this day I still maintain my innocence and reserve special rights at the time and shortly after the fire, I have documented evidence from the beginning to now which shows an incomplete and un-thorough investigation. There is still no real evidence connecting me to the charge at this time or ever, and any evidence thereafter is inadmissible and a way to focus on inconclusive material that if anything supports my case.

When I showed up for the hearing on 12 July 10, the Judge granted the withdrawal from my first paid lawyer and gave me only one week to find a new one by 19 July 10, once again I turned myself in declaring indigence. Ironically my new and current lawyer was in the office on the same day and saw that I was arrested and I ended up going to jail for 12 days. Finally the state appointed lawyer had my bond re-instated 30 July 10. My next court date (trial) is set for 8 Nov 2010. I will be pleading not guilty to a jury and I will attempt no continuance.

In summer of 2010, after a major lightning storm, I stepped outside my home to find a large sink hole near the foundation of my home. Unfamiliar with what to do, I contacted my homeowner's insurance company before doing any repairs to get their "opinion" before proceeding. A few days later, State Farm adjuster Jerry ** came to my home, inspected the hole, and deemed it water damage, which he stated was an "uncoverable" incident as I lacked flood insurance. I felt that was reasonable and proceeded to fill the hole, which I originally felt could have been caused by a lightning strike.

Approximately a month later, I received a letter from State Farm Underwriting stating that my foundation was in need of serious repair and that I had 60 days to correct the situation or "else". Knowing that State Farm was now on a quest to terminate my coverage in order to deem my property uninsurable, I decided to fight back. I called my local State Farm agent Sean **, who promised to get "right back" to me with some sort of resolve. Just to be safe, I also contacted another company to seek a quote which included an inspection and was found to be insurable after all. After contacting my mortgagee, I was told to switch companies and to drop State Farm before they could "terminate" me.

After waiting almost a week for a return call from State Farm which never occurred, I decided to make a decision regarding the situation myself. I immediately replaced my coverage with a reputable company and told Mr. Sean ** from State Farm where he could relocate my self-cancelled policy. The moral of this story is to not do business with State Farm Homeowners Insurance either in Maine or any other state for that matter. Had I not cancelled them, I would have been left uninsurable and standing on my own thanks to my "good neighbors" at State Farm. This is a true attested story. Please share with others.

On July 17, 2010, our toilets overflowed. I hired a plumber to drain our pipes. On July 18, 2010, the plumber was still working to drain the pipes. When they were through, I called a place to drain the water from the bedroom hallway. This took about six hours when they took part of my carpet out due to mold, bacteria, and other things that had been in the toilet.

I reported to State Farm on Saturday and Sunday but there was no answer. On Monday, July 19, 2010, I was told that State Farm would not cover this because the plumber stated that he had drained the pipes and State Farm asked him six times if there were any trees. He said that it was under a bedroom window, and there was a tree limb. We were denied. I am 80 years old and have been paying State Farm for 60 years. Is this fair?

We are disgusted with the way we were treated after so many years with State Farm Insurance in FL. They are crooks backed by politicians.

During the hurricanes in 2005 (Jeanne & Wilma), we called to report severe damage to our pool enclosure. Initially, Jeanne came through one month prior to Wilma and started the damage. State Farm said that they were behind and would get to us. Then Wilma came through 22 days later and completely destroyed the entire pool enclosure ripping it to shrews.

We finally got rid of State Farm last year due to the rumors of their attempts to pull out of FL running and cancelling policies but wanted to remain covering car policies in FL. I wrote to the governor and never received a response as well to State Farm several times and never received a response except letters of denial. If there is a class-action suit involving State Farm and FL homeowners, we would like to be involved in it.

I am filing a complaint on behalf of my daughter and son-in-law as I would like to know if there are any legal options we can take. My husband and I have been with state farm for over 30 years and when my daughter bought a house, we were stupid enough to recommend State Farm. They came on a vacation with us and when they got back to their home discovered that a pipe had leaked. They contacted their insurance State Farm who sent out their chosen company to clean up the mess. My daughter and son-in-law contacted another plumber as the one State Farm recommended turned faucets on and off couldn't find a problem and said they would have to wait.

Finally, the contractor my kids found came and discovered that there was a leaking pipe under the bathtub in their master bathroom. Their house is on a cement block. The claims adjustor arrived and took pictures and said that the pipe was underground. She managed to get soil in her photos, which of course she would because in order to get the pipe completely out they had to drill past the cement. The insurance won't pay and my daughter is left with a complete mess. It is a first time home which is one level and small.

Every carpet in all the rooms is ruined including the kitchen floor and kitchen cabinets. The State Farm adjustor has been leaving nasty messages with her contractor (calling him a liar) and they are refusing to pay even though they sent out the cleaning crew. If my daughter had known that, she could have chosen a less expensive company. The house is a disaster. It looks like a hurricane hit it. To go through that and the rudeness of State Farm, they are lucky to survive a new marriage and first time home especially on a teacher's salary. Does anybody know if they have any rights?

I paid every premium on time for fifteen years and never filed one claim. I left State Farm because any time that I had a question about my policy or requested a change, the office girls acted like I was causing them the greatest inconvenience of their lives. Pam ** told me "State Farm has plenty of money, we don't need yours" when I tried to cancel. They also switched my cancellation date to later than I had requested just to suck more money out of me. Causing me additional costs, even after my policy is cancelled.

State Farm has been our insurance co. for over 25 yrs. Our claims have been minimal; however, recently we experienced some claims that were not our fault. We have been harassed by State Farm reps., told to be silent in a rude tone, and multiple intentional delays have caused much stress. We had a claim in 1/10. We hit a large, steel shelving unit after turning a corner and being sandwiched by other vehicles. This object likely fell off a truck collecting steel. Our vehicle sustained immediate damage and we thought it would explode because we dragged this unit underneath it before stopping with a flat tire. We drove our vehicle off the road, called the police and paid someone to put our spare tire on so that we could get home. It was after 10p.m. on a weeknight.

We filed a claim with State Farm after obtaining a partial estimate for outside/body damages. We were compensated; however, we emphatically proclaimed that it was the undercarriage that needed to be fully evaluated to ensure that no damage had occurred that would cause subsequent trouble for us. State Farm refused to provide an estimate for the undercarriage. We attempted to obtain an estimate for the mechanical work. We were told that the shops would have to obtain a diagnostic and we would be responsible for the cost of their time/upwards of 2-$300 or more. We complained multiple times (over 4) and insisted that we likely had much damage under our vehicle. Our complaints fell on deaf ears. I

n June, 2010, our car sustained complete brake failure while driving home with our family. I drove our car home (very dangerous) to extricate us from the immediate circumstances and nearly drove through my garage before placing the car in park. We had our car towed to an auto mechanic. The caliper was damaged/brakes also. $500 later, we contacted State Farm. Our rep. did reimburse us after 2 weeks. We were appreciative. We asked the mechanic to check the car for any other damages. He said the vehicle was okay, casually. 2-3 weeks later, our vehicle was towed back to the same shop. The mechanic said it was our alternator and possibly a fuel injector. We asked for some time to save and contacted State Farm to demand an estimate on our car. The mechanic said he couldn't evaluate the car without evaluating the engine. We finally got the rep. to agree to pay for the estimate.

Almost 2 months from the brake trouble, our car is still inoperable and the mechanic informed us via estimate that the engine was damaged. He said it wouldn't be worth it to repair the engine. There was no previous problem with our engine! We were shocked and forwarded the estimate to SF. We have spent $3,000 on a rental awaiting a response that has come back as negative with the exception of State Farm saying they will pay for a wheel bearing? They insist that the engine trouble isn't related. Guess what, the engine was just fine and so was the rest of the car before the accident. They failed to respond to our multiple efforts for an undercarriage estimate.

We have been driving in an unsafe vehicle that has sustained so much damage that our engine is damaged beyond repair. They insist that there is no connection, yet they refused to provide us with an estimate at the time of the accident. They refused to reimburse us for an estimate and the shops refused to do an estimate without payment.

We shouldn't have to pay for an estimate at the time of an accident. That is what our insurance is for. They've hustled our mechanic and made us believe that he said there was no connection. No kidding. The mechanic didn't even draw a correlation between the brakes and the accident. Mechanics don't want to answer to State Farm or any insurance company. They want to be compensated by us. State Farm interfered with our relationship we had with our mechanic and now refuse to reconsider the repairs.

The rep. is on vacation for two weeks. They offered us $200 for the repair and haven't even compensated the mechanic for the estimate yet. They offered us $120 for rental, we've paid $3,000 for a full size car. We have been threatened, criminalized and verbally abused. Delays continue and evaluation is subpar and insufficient for the levity of the claim. They paid approx. $1,000 for the outside to be repaired and offered us $200 for the undercarriage! The steel shelving unit was dragged under the car and caused an immediate flat tire and there was a loud explosion under the vehicle. They claim because they see no visible scraping or marking on the engine, it can't be from the accident.

Do you know how many people die from hemorrhages without visible marks days, weeks, months later after sustaining trauma? The car was never evaluated due to State Farm refusing to pay for the estimate and now we've lost our vehicle and $3,000 in rental expenditures, not to mention our mechanic that they now own due to coercion. We've lost $3,000 in rental expenditures. We were forced to replace our brakes due to brake failure for $500. They did reimburse us and finally agree to an estimate. They have not paid for the estimate and refuse to acknowledge the damage to the engine.

No previous damage was present prior to the accident and the car is only 6 yrs. old. We had a power train warranty for 5 yrs. and were never once told of a bad engine; we knew there was likely severe damage to our car but have been forced to drive it until it was inoperable because it was our only vehicle. We had every interest in repairing this car until we realized the degree of damage sustained. This steel shelving unit was lodged under our car. We lost our other car due to the same type of problem.

State Farm would compensate for the body work but failed to provide a thorough estimate. As a result, much damage was sustained underneath the car and while awaiting closure on the claim that was not our fault, the vehicle slowly deteriorated to the point of being inoperable. This is why we were adamant about having this car estimated. State Farm used to compensate the shops for undercarriage estimates. They don't anymore and we've paid a dear price because SF is rejecting this claim.

It's an ongoing nightmare dealing with rude and inefficient reps. that lack the skill and authority to manage claims and seek to deny everything before them. This company needs to be examined closely for their practices and deviant techniques designed to cause trouble for the insured. Our agent has caused much distress during this process as well. Like a good neighbor, you've got to be kidding me. Please investigate. We are contacting the D of I for help.

State Farm didn't attempt to protect itself or me, a longtime customer. It issued me a binder for homeowner's insurance without running a Loss History Report (CLUE Report). State Farm contacted me AFTER my settlement to advise that my policy was in limbo. The previous owner had filed THREE claims for massive water damages, but State Farm couldn't bother to tell me prior to the purchase. By law, the policy had to remain in place, but when it expires, SF will likely terminate me. I will have to practically give my home away if ever anyone would consider buying it. Several other companies have either rejected me for coverage or will not offer water coverage.

I live in fear of yet another incident of water damage. As it turns out, my neighborhood is rife with incidents of indoor flooding. Some homeowners have endured more than one incident. The hits just keep on coming. I can't find an attorney to take my case. I suppose they know that SF has more money and will prevail in court. Moreover, the selling Realtor knew about the damages, but never said a word. Sadly, I have asthma, and MOLD could become a very serious health concern, but I'm screwed in Maryland.

Problem unresolved. May have to sell home at a substantial loss. May have to abandon it if State Farm will not do mold remediation. May not be able to rent the home. Wouldn't want to hurt anyone else. My credit would be ruined. May have to file bankruptcy, and can't purchase another home for for at least ll years. Will suffer persistent asthma and respiratory distress if I remain. May not be able to afford a decent apartment in the future.

I have been a state farm customer for last 10 years. Trent J. is the worst agent I have come across. I have been with him for last 8 months. My real estate agent recommended him. I am pretty sure she got a good kick back from him. If you are looking for an insurance agent never listen to your real estate person. Go for google and find out all complaints about the agent and choose the one you find has least complaints.

I got new house and car quote and i wanted to discuss specific quote lines. I call his office. A representative Cindy picks up. She right away refused to discuss the quotes with me. I wanted to know even after being with state farm for 10 years and having virtually 0 claims my premium increased. She said thats how it is and deal with it. I said i want to talk to her superior which is the agent Trent J. here. I asked him the same question. He said some pace index has increased and thats why my quote has increased. I know a fair bit about stocks and i am a math phd so i am not an ignorant guy. I googled this index and didn;t find such an index. I told him I know about stocks and dont know about such an index. The consumer price index actually reduced in recent months! He started laughing at me like i am an idiot. I think he was trying to bully me. I would reiterate again that I have been a customer for last 10 years! good luck if you are new.

I told him with his attitude i dont want to stay with him and want to transfer to another agent. I called Mindy D/ and Neil K.'s offcies to see if i could transfer to them. Trent called these guys and refuced to let me transfer to them. Eventually I had to find a bigger agent than him to get a transfer. I can't believe this thing is happening to a customer who has stayed with state farm for last 10 years. I am going to switch to liberty mutual or all state ina month or so. I want to shop around before i do so. Thats why momentarily i am staying with state farm. But it seems in last 10 years this company and its agent do not care about customers anymore. I have been with them for last 10 years so i know.

I strongly advise anyone seeking insuranace from state farm. If you decide state farm for some reason then please avoid Trent J.. Once you are stuck with him, he will make it impossible for you to switch to another agent in the area if you are not satisfied with his service. You can switch to another agency, but then you'll loose out the discounts that you get for staying with an insurance agency. The best bet is to start with an agency other than state farm to start with so that you sont have to regret your decision.

We have been with State Farm Ins for over 20 years. Homeowners, cars, trucks, boats, trailers if they could insure it thats who we called. They have had all their premiumns,we have never tried to abuse our insurence. After hail damage twice to our home the roof, fence, and window having to be fixed they cancelled our home policy. Like we are God and can prevent the hail. 6 auto policies out of 3 wrecks 1 the person driving our truck was not given a ticket bad weather, the other 2 with our trucks was not our fault, we were hit by uninsured motorist. They are canceling those truck and restrictions on who can drive our other autos.

We pay uninsured motor insurance and yet we get canceled because someone else does not carry insurance. Like a good neighbor State Farm is there! I don't need those kind of neighbors. After being a faithful customer for over 20 years and they kick you out like some people would a dirty dog, for things you have no control over. If they want to do something why don't they contact the law when people drop their auto insurance and if they can not show new proof of insurance pull their auto tags and drivers license.

We will be changing all our policies, but where can we go and who can we trust anymore? We are both over 60. My husband just had a heart attack after this last wreck. The stress is doing neither one of us any good. We know our coverage will be sky high after State Farm has dropped us. We have spent all these years building our reputation with State Farm and thats the way they do you. It makes you want to give up and say why should we try to do right?

I have been with State Farm insurance for about 30 years and always have paid my perineum's on time. This insurance included car, home owner's RV vehicles, and travel trailers. I have a mining claim 45 miles from from my home. I ask several times if anything was stolen from the claim would my home owners insurance cover it. I was assured several times that there was only a $500.00 deductible but everything else would be covered, just keep paying your premiums.

In January of this year I went down to begin the spring clean-up work. I found that my cabin had been broken into and about $8,000.00 worth of mining equipment was stolen. I told my local insurance what had happen. They asked me if I had ever sold any of the gold. This mine is just a hobby for our family and I have no intention of selling any gold. However, I did trade some gold for tractor work one time.

There reply was because I did receive goods for gold that now it was a commercial gold mine; and of course my homeowner's policy would only pay out $250.00. I felt that I was deceived from the very beginning. I have not yet filed a complete police report of all that was missing because they said they would not pay. My son-in-law is the policeman that took the report and he can add the items which were stolen at any time if it would do any good. How can I get a fair deal on 30 years of loyal service. Thanks for any help.

On June 4 I called the State Farm Office to renew my home owners insurance and was told that they can not renew my homeownes insurance because I had two calims in the last 3 years. One was a home robbery, and the latest one was a bogus law suit of a property owner across my back yard, who took advantage of a snow storm that broght down some banches of a pine tree in my yard. This snow storm happened on February 10th and ond the 26th. Some banches have fallen on a wooden shack of his and I was taken to small claims court on May 17th. I hade supporting pictures with the dates (March 3rd) that all the braches have been removed from his shack and there was no damage.

i was sued for $2000 but only lost $1020 (So the Insurance told me). I did not get any documentation yet. The case was handeled by a lawer from state farm who did not do the best job and I probably would have been better defending my self. A week after the case of May 17 I found out that the Estimate that the Plaintif took to court was from my next door neighbor. The estimate was for a brand new shack and he was not aware that it had to do with me.

Unfortunatly the lawyer said we should go with the abitrator rather then the judge because our case looked favorable for us. Now since we went with an abitrator instead of a judge even after we find out the truth about the inflated Estimate we can not appeal and now have lost our Home Owners insurance because of a snow storm! Loss of home owners insurance and small claims court case because of negelect of the insurance company. I thought thats why one has an insurance in case something happens.

DO NOT GET STATE FARM INSURANCE

I have been a customer of State Farm Insurance since 1998. I have (had) my homeowner's policy and over the years, several vehicles insured with them. Recently I received in regular mail a notice of cancellation of my homeowner's policy. Why? Because I have had three claims submitted. Two claims were submitted in 2008. One claim was for hail damage to my roof. This claim was denied and 0 was paid. The other claim was for a water leak from my refrigerator water line breaking. This claim was denied and 0 was paid. In March of this year my car along with several others in my neighborhood was burglarized and my lap top computer was stolen.

On May 19th I received a letter a letter stating "The insurance coverage is not acceptable to State Farm Fire and Casualty Company due to your loss history." Not the number of claims submitted, but my loss history. The total amount of my loss history is a total of $528.20. When I call the local company I was told that it was because of the number of claims submitted NOT the amount of claims.

I was never informed that a submission of any number of claims in a certain year would result in cancellation of my insurance. In addition when I submitted the final claim for theft I was not informed when I went into the office.

I am outraged. I have paid thousands of dollars over the course of 12 years to this company and am simply tossed aside. When I called my local office I was just told that three claims and you are out.

I am a 56-year-old grandmother trying to hang on to my house and make house payments by myself and am barely hanging on. This policy is outrageous and completely devoid of any semblance of customer services or consideration. My experience with State Farm has never been good but this is simply unforgivable.

After finally speaking with the local agent he informed me that this was simply the policy. I AM NOT JUST A NUMBER AND REFUSE TO BE TREATED LIKE ONE. I am telling my story to stop someone else from being treated so badly.

I was recently denied a claim filed dated On February 2010 regarding claim number 59-D282-480. I was advised I waited too long to file a claim despite the representatves I have spoken to. I had to wait as long as three weeks to hear from someone only to be advised when I called back someone will get in touch with you. I recently received a certified mail from the company denying to file a claim and despite the 20 plus years of service I have committed to this company, feel wronged by being denied a claim. I did everything the agent advised and was told by the claims adjustor that I would certainly be covered. Is there any recourse

Well to start... When Hurricane Ike came through my 1 year old roofing (as did many others who suffered through the storm) began to leak. I pay my homeowners insurance each month with my mortgage so I figured I would be able to file a claim with my insurance carrier (State Farm) and have the roof REPAIRED- not redone... REPAIRED. Well everything else was paid for the leaking windows/paint, carpet cleaning, spoiled food, etc. My Statefarm Insurance adjuster went up on the roof with my contractor and came down and told me... "Your roof was put on incorrectly by the builder! You need to get them to come out and repair the roof." My contractor to my surprise agreed. Well keep in mind the house was only 1 year old when Ike came through.

Here it is May 2010 and my house is now 3 years old. And I have a bad roof that still leaks and 27 more years to pay for it. And I am forced to pay Statefarm Insurance as well each month!! My roof the anchor of the house cannot be repaired because the builder put it on incorrectly!!! AMAZING!!!

I have recently called out a different roofer and he agrees!!! The flashing which is supposed to form a seal to prevent the water from coming in is an inch too short!!! And he agrees that it was the builders fault, both the contractor and roofer also agree the attic is not vented correctly which may be the cause of my shingles "rippling" when it gets hot.

When I called Meritage after the inital inspection they said It is not our fault! The roof passed inspection!!

Two years later I still have leaks in a 3 year old house!! Why? Because Statefarm feels as though they have sent 2 adjusters out (1 being an elevated roof inspection team that I never saw because they came when I was not home). They refuse to send out another inspector and want me to pay for an engineer or impartial inspector to come out and do another inspection to re-submit the claim for review. I have a three year old house with roof leaks that noone will repair when I pay insurance and it was NOT leaking prior to a hurricane!!! AMAZING!!!! And the $8400 they kept for the deductible could have more than paid for said roof!!!

I pay a pretty penny for this 4000 sq foot home and I could not be more unhappy!! I moved out of a 1600 sq foot home built by BEAZER and I never had any of these types of problems. This house has been a complete nightmare and I would never recommend Meritage to my worst enemy!!!

I received a letter from our insurance company, State Farm, stating that since they had paid a claim for $5,323.55, they were cancelling us as of April 29, 2010. The claim was for water damage in our basement. We have been a customer for 17 years. We also have 4 cars insured with them. They've paid only one homeowner's claim.

We submitted a claim on 05-25-05 for a broken water pipe which caused basement damage. They denied the claim, because the pipe that broke and caused the damage was located outside and they said it wasn't covered. They stated the reason for cancellation is because we have had claim activity. What's insurance for if you can't submit a claim when needed?

We are excellent customers and have never been late on a payment in the 17 years that we've been a customer. Do we have any recourse or do we just have to accept this unfair behavior on their part? An agent also called my husband a couple months ago and said they were raising our deductible from $500 to $1,900 because they had to pay our claim. A short time later, we received a letter saying they were cancelling us.

I sent for an online homeowner's quote. PK contacted me. I told him my house is old. He said that would be no problem. He took my downpayment and he said that Matt was coming to take pictures. I never saw him but they said the pictures were taken. I waited several weeks and called and PK said not to worry. On April 5, 2010, I received a letter stating that my coverage would expire on April 16 '10 because the pictures weren't sent. I called the office and PK said Matt would be out to take more pictures on April 10.

I received a check for $52 so I am out over $100 and I will have no insurance and no explanation. I have never been treated this way by an insurance company. I would not recommend them to anyone. This has caused me emotional and financial stress. They should have told me up front they couldn't insure the house and I would have kept my other coverage.

On January 17, 2007, my house caught fire and burned completely to the ground. Me and my family were devastated. We lost everything related to house hold goods, but no one was hurt in the fire. The next day January 18, 2007, the Insurance company showed up at my home and the remains were still smoldering, they assured me that everything would be okay. Well, here it is April 9, 2010 and the claim still hasn't been settled.

I have been paying State Farm Insurance Company for ten years and when I really needed them they denied my claim. In today's time, we just can not trust the insurance companies because they are not in the customers best Interest, they are in it for the money and will find any reason to deny a claim, so be aware. Thank God, no-one died because I couldn't of imagined how this would of turned out for my family. My Children took this hard and they still can't understand why we don't have a home and living in hotels. As consumers, we need to re-evaluate who we are giving our money to to help us in need!

This situation has been devastating to my family financially and mentally because it took state farm six months to clean up the debris from the burnt mess. This has also caused my husband to go into deep depression. Me and my husband have 9 children and we all live in a hotel can you imagine what we are going through. I truly believe State Farm insuarance company was biased and acted in bad faith. We had to hire a lawyer to go against the insurance company because we got nowhere dealing with State Farm Directly.

It is a shame because now 40% of the proceeds will go towards the lawyer if I win and why should consumers have to go through this. What is the reason for insuarnce if something happens and the claim is denied? Be aware because they will find any reason to deny you for the settelment that you are entitled to. This is a growing concern in the insuarance industry today.

I had my home broken into and some of the items that were taken were Christmas gifts. They want receipts in order to process my claim, which I don't have. That insurance is just a scam. I am just out of luck, I guess.

Have received my Homeowners-3 policy bill and note that there is $900.00 increase for the coverage I have been paying approximately $1600.00. I understand that the NC Insurance commissioner approved such an exorbitant increase but State Farm is unjust, inconsiderate of those of us with fixed incomes, and unconscionable in light of the current fiscal status of the national and state economies. Even Federal Retirees have had to suffer no cost of living this year and further casts a dark and ominous shadow of credibility on State Farms action.

This increase will cause a reduction in the quality of life we have become used to in the fair state of NC and causes us to think of State Farm as a money grabbing inconsiderate company not worth doing business with. This increase reduces our spending ability and hence our quality of life by a significant amount. We are most dissatisfied with State Farms Policy of raising rates without changing the qualifty or quantity of service it provides.

I had a small kitchen fire. Luckily, I was able to get it out. Some damage done for sure, I needed a new stove. The rest was work; painting and cleaning. State Farm, yes, they took care of the damages, reluctantly and insinuating I did this and wanting me to change my policy so I have a higher deductible to prevent me from having anymore "accidents". Mind you, this is my first claim ever and hopefully, my last.

I lived here for 9 years and I was never going to call them in the first place but telling my story to coworkers they suggested I tell the insurance. But I think now I'm looking for a new company. I don't care for how they treated and insulted me.

In the spring/summer of 2007, a hail storm damaged our home as well as the majority of homes in the Mogadore, Ohio area. Insurance claim was submitted and damage paid for by State Farm in the amount of $10,749. Today, March 11, 2010, I received a cancellation notice from State Farm stating that policy was being cancelled based upon this claim.

This concerns my friend, Ann.She is 78 years old, her husband recently died after an extended illness. Her house caught fire in November of 09, then her husband had to be hospitalized and she stayed by his side. Ann designated her niece to deal with State Farm. Ann's husband died in February of this year and as of today (March 1, 10), the house is not finished. The adjuster has been mean to her and treated her very unprofessionally. She went to her agent and he told her that the adjuster had the final say in everything. She is so sad and wants to go back in her home to grieve. State Farm is mean to Senior Citizens...someone, please help this woman. The fire appeared to have started with the Mr. Coffee in her kitchen.

I called State Farm because we had mad hail storm. Someone came out and told me no hail danger. I had four roof person to look at it. State Farm sad no hail. Every one on the street had new roof.

On January 11, 2010 at 0530H, my girlfriend's daughter, who was 14 years old, died in a house fire. She had been spending the night with a friend over the weekend. She was allowed to spend the night on that Sunday night because she went to school with her friend and they would be going to school on Monday together. There is an ongoing investigation into what exactly happened to cause the fire, however, it has been ruled that it was not faulty wiring, gas leak, etc. In fact, many suspicions are starting to surround what went wrong. The mother was able to get out as well as two of the other children. It is speculated that my girlfriend's daughter turned to try to get the other child in the house.

State Farm insurance has only told my girlfriend that because the actual home owner was not at the house (His daughter was the one living there) that they do not pay out for bodily injury/loss of life. Am I the only one who sees this as ridiculous? So if a friend of mine is visiting me at my girlfriend's house and the roof falls in and they are hurt, if my girlfriend is not at the house, her homeowner's insurance will not take care of them? I could go on and on with examples but the short of it is that first, no amount of money will bring this precious life. However, if you pay insurance and an accident such as this happens, shouldn't the insurance company compensate the family somehow? If not then please tell me what are we paying "bodily Injury" insurance on our homeowner's police for?

A tree fell on our house, creating several holes 3-6 in diameter. This event happened on 2/10/10. As of today, 2/12/10, we have yet to receive a call from their claims adjustor. We have called the agent Scott B. with no results other than, "I wish that claims would be in contact with you sooner, too. Take care, Scott." We are expecting up to six inches of snow tonight. This resulted to further damage from ice and snow entering the attic.

My neighbor's unoccupied duplex town home experienced a significant damage as a result of broken pipes. We share a common wall and some of the water found its way into the master's bedroom. Unable to reach the neighbor, I proceeded to do the clean up and wasn't aware of where the water came from until I saw the construction van out front, heard them working inside and saw the dumpster get dropped off out front.

At this time, I informed them that I, too, had damage. They said that they were informed by their adjuster that I may need to file against my own policy. This made no sense to me so I contacted my agent's office and was told that there is no reason I should be subject to a $500 deductible and rates increase. The day I had taken off from work is considered part of the loss and should also be covered.

But, when it was discovered that both my neighbor and I are insured by State Farm, everything changed. Ultimately, they ended up sending me a check which was drawn against my policy (short the deductible and time off work). They seemed so confident to resolve the issue when it was thought to be another insurer. Funny, I never even opened a claim against my policy. I won't cash that check until I have exhausted all my options for recourse.

My husband was assisting our aunt at her home in Riverton, Utah. She was using a circular saw and cut his left hand fingers. They were the only two in the room they were working on. My aunt has stated she was responsible for the injury. He has been unable to work since May 26, 2009. I have paid all the bills. His fingers don't have the correct circulation. He can't use as he did before and his fingers are disfigured.

Regarding my renewal certificate for HO coverage. I am appalled at the $465 increase in my homeowner's policy. Is this the thanks I get for being a loyal customer for many, many years without a claim except a minor claim after Hurricane Andrew? State Farm and The Florida State Insurance Commission should be ashamed of themselves for foisting this kind of increase on loyal SF customers. 14% increase? More like a 45% increase which is disloyal to your loyal customers. This resulted to personal economic crisis. I simply cannot pay this increase. I'll have to seek quotes from other companies or go bare.

I had a vandalism and a theft at my house over the weekend. I came home to find my car had been vandalized and my heat pump outside had been cut and stolen. I called to report a claim. I was assigned to Cindy **, a claims rep. She told me to get 2 estimates and also fax over the police report which I did. Then she called back and stated they were too high and that "she felt like my house didn't need what she they quoted me for."

I mean she was literally trying to tell them how to do their job. They were telling her that if they replace it with what I had, it would not work with the coil system that's in the house. She still wouldn't pay out. Then she called them to have them explain, which they did. And that still wasn't enough.

She called me to say she would be sending out a field rep to take pictures. He came out, and then, she still wasn't satisfied. She then called to the local office in Newberry to request pictures of the home when they insured it. They sent those, and then, she decided to pay out a portion of what the guy offered. Then she called me to inform me that she would accept the $4800 offer, but she would take out the $1000 deductible and also she stated she would be taking out $1900 for depreciation cost per state law.

I feel as if this is wrong, because I pay insurance, and they don't give me depreciated quote. But when it was time to payout, she took me through loops and rivers to still deprive me of what's due to me.

I own a condo which had a valve break on a radiator unit. As a result of the break, our radiator leaked into our downstairs neighbor's condo causing in excess of $1,300 in damage. State Farm has claimed that we are not liable and will not cover the expense. Meanwhile, our neighbor's insurance company has stated they would sue both me and State Farm if they are forced to pay for it. This event cost me about $1,000 more than if it was covered and I just had to pay the deductible.

They did not have my barn covered like they should have and I filed and claim, finally they paid and now seven months later I get a bill for the premium. I would have paid that if they had told me when I received the claim.

My home burned down and my claim is still not settled. State Farm has given me the run around for over a year. I now have no home. State Farm only gave me a check for $500. I am not giving up no matter how long it takes. My house was totally damage. I could not live there any more.

I cancelled my auto and home insurance with State Farm on 11/28/10 to become effective on 12/01/09. It took 3 calls to finally get them to cancel the policies. It became final on 1/05/10, meaning that they were still getting paid even after I had a new insurance carrier, and had called 3 times before this date to get the policy cancelled.

I have a home in New Scotland, NY built in 2000. In 2007 we moved to Maine. Got a call from my renter about a month ago that a wind storm had blown some shingles off the roof. Had them replaced. Did not file a claim. Got another call, some more shingles had blown off, the first time, it cost me 300 to have them replaced, this time it was going to cost 350. This time filed a claim. Adjuster told me that they would pay 500. my deductible is 1000. I am okay with that. In other words I will pay the 500. but that will go towards the deductible. Here is catch, she said that if it happens again, it will be deemed a separate incident and I have to start working towards the deductible again. Let me see, it has happened twice, in the last month, think maybe it might happen again? To say that it is not a connected incident is ludicrous, to the enth degree. This really is quite odorous. (it stinks) They could care less. Let me see, I have homeowners with them, renters insurance with them, my business has insurance with them, thinking about a transition.

I've had state farm ins for 40 years. One claim for which was not my fault.Never late on any payments. My house burned Aug,'09, electrical, nothing salvagable. House in family 60 yrs. Ask for ins for empty lot, told to move shed off lot and would receive renters'ins. I complied and then told I would not receive any ins because of the fire.

My overpaid my housing property insurance premium and the agent sent me a 3-party which I am still unable to cash. I had been a long-time customer of State Farm, before they showed me how stubborn and stupid they are. I had present evidence of owership to them many times, before I was insulted and asked to bring in a property tax payment receipt to show them. That was the last straw; i dropped my polices w/ them, which consisted of two houses and three automobiles; and transferred them to another major insurance company, and by the way I saved plenty.

But any how later her comes the Adjuster back with this check for $50,000.00 less than what we had the house insured for!!! We asked the adjuster whats this for well your house, but we said we had more coverage than that on it, and he said well just send this off to your mortgage company and we'll be seeing you!!!

Like dummies we sent this check that was way short of what we thought we had the house insured for, and then they kept coming back you still owe us this extra money, which we kept telling the State farm adjuster, and honestly when i would call him on my cell phone because we had no home phone no more!!! He yelled at me so loud the wife could hear him across the motel room where we were staying at the time!!!!! And all he'd come back with is WHAT MORE DO YOU WANT??? I told him I want what we had the house insured for, Then he later shows us a policy from several years earlier , i said whats this he said its your policy yeah i told him but not our current one!!!!! oh Yeah he says- Me and the wife both said I don't think so!!!!!!!!!

Anyhow the damage had been done we sent the check off he did give us to the mortgage company and never did get anymore from the insurance company, we had replacement cost figured in and we got a new modular home moved in but we still Had this Negative $50,000.00 dollars we had to put on our new hose and old house mortgage!!! Our payments were like $760.00 on our old house and the new house was $1432.00 .

AND I WILL NEVER EVER GO BACK TO THEM !!

They are the biggest rip offs there are I thought you were suppose to trust your agent and Company But there looking out just for themselves!!!

We now live in a 100 year old house that we only got because we had to beg borrow and darn near steal, because our credit is so bad after this whole house fire and State Farm thing!!!!!

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.

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.

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!

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.

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.

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.

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!

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.

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.

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.

State Farm has ran me around and around about the roof and so far its my problem, I have had state Farm insurance for over 44 years and have had very few claims - I guess tht's why I thought they were a good choice. I would never use them again, we are going to be busy for the next month and then I plan to review insurance companies at that time and make a change. The thing I did wrong was not getting more roofers to look at the roof, but if I didn't fix the roof I'm sure State Farm would say it was my problem for letting the roof continue to leak and still wouldn't pay for the roof or the inside of the house. So now they will pay for the inside but according to them it is only against my deductible. I'm still compaigning because it is all in the adjusters hands and to hell with the customer. Like I said across the street State Farm paid for the roof because they could see the a few shingles were gone and some damage, and they had a different adjuster.

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 store 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, they did not have leaks but some of the roof had blown off, 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. State Farm has ran me around and around about the roof and so far its my problem, I have has state Farm insurance for over 44 years and have had very few claims - I guess tht's why I thought they were a good choice. I would never use them again, we are going to be busy for the next month and then I plan to review insurance companies at that time and make a change.

The thing I did wrong was not getting more roofers to look at the roof, but if I didn't fix the roof I'm sure State Farm would say it was my problem for letting the roof continue leaking and still wouldn't pay for the roof or the inside of the house. So now they will pay for the inside but according to them isn't only against my deductible. I'm still compaigning because it is all in the adjusters hands and to hell with the customer. Like I said across the street State Farm paid for the roof because they could see the shingles and some damage, and they had a different adjuster.

Insured by State Farm- refuse to pay claim for an armed robbery at my home. Stalling the claim by first refusing, then forgetting then running out of paperwork, then stalling by refusing to admit receipt of paperwork.

Hail and wind damage in our area. I have had three contractors inspect my roof. All have told me that I have damage in one degree or another. The amount of damage warrants from there point of view a new roof. Added to the fact that we were in the epic center of the storm and that every home around my house has a new reroof. Plus I have now heard that there was a class action suit against State Farm for not handling claims in a fair manner only brings one conclusion to us. That is that we are being treated unfairly and the evidence needs to be revised or I will file a law suit against them myself for the damages to my roof and applicable time to have this done.

We have been covered by State Farm since 1992 on all of our insurance needs cars homes et all. After our roof was damaged by hail they sent out an estimator who did not even look in the attic. There are water leaks on the living room ceiling, and water damage to the lower level. He appeared real biased from the get go and said that he can see the whole in the tiles but not deep enough to cause leaks?

I will be getting an independent contractor estimate and take pictures of all the damage in and out. The lawyer said that we need all the evidence to sue not only for the roof but also to the internal damages to the ceiling, structure and all.

They have paid for the house across the street claim, and it just looks like they want to use any available reason to deny or reduce the payment.

It will cost them a whole of a lot more after they are ordered by the court to pay for all damages and legal fees and punitive awards.

State Farm in particular appears to hire unqualified or dishonest adjusters accusing honest homeowners of making false claim when the physical evidence is supporting the case.

After all the years that we paid for insurance it is very troubling that those who are supposed to be there for us when needed, are not.

My husband and I have had State Farm Insurance since we bought out home in Georgia in October 1997.( New Home) We are Senior Citizens 71 years of age. Always paid our preminiums for 12 years and had no claims. Last year a Hail Storm damaged aLL OF THE 100 some homes when it went on a destruction path through our Subdivision.

Had to fight and complain, my roof was leaking, went through 3 adjusters before I got the roof approved. Said it was 1/4 damage. Who ever heard of putting on 1/4 of a roof. Gutters damages, awnings, window glass cracked etc. Finally we get our roof in July 09. Fought with the State Farm since Feb. 09 about the damage.

Now yesterday we get a letter from State Farm they are cancelling our Homeowners October 31, 2009 because we had this 1 claim of $8,000 some dollars for the roof. What a rip off....they want your money but they don't want to PAY CLAIMS. Look at the premimiums I have paid for 12 years it well exceeds the price it cost they for the roof. I paid my $1,000 deductible.

I Cannot Stress enough HOW Bad this insurance company is!!! We are Paying Citizens Who Have NEVER abused the system.. Honest law abiding citizens! We have all Of Our Insurance Thru State Farm! I can't tell you how sick I am right now Having been in some ways Called a Liar! I am honest to a fault & recently An Oak Tree fell on My property Hitting 2 cars (Mind you only one is insured) But Its bull I lose on both the cars!

Anyway it hurt the house & equipment & I'm a wreck. I just missed getting hit! My Husband called within minutes of the Tree falling! Mind you it was a beautiful day outside & I was blowing leaves etc..The Insurance Man Kirk Found it hard to believe That A tree could fall on a nice Day!!! Well it happened & I don't like being called a liar/ I am so, so, sick and tired of paying My whole life & getting Nothing out of being insured!!!!

May 22, 2007 we had a TOTAL LOSS house fire! The adjuster that came out, S. Block, was not exactly a "good neighbor". First thing out of his mouth was "his main concern was saving State Farm money." So after 5 MONTHS of investigating, they decided it was electrical with an unknown source. After THAT they tried to pay us MUCH LESS than the lowest appraisal value of our home. We bought a different house in Dec 2007.

In Nov. 2008 we had storm damage. It ripped an awning type roof off of our back deck, flipping it upsidedown on our main roof, slamming into our 3 skylights. I had a roofing company come out to do an estimate. They gave one for the awning and told us AND State Farm that it could take awhile to determine if the skylights would leak. Basically we had to wait for there to be enough rain for it to make its way to the ceiling to determine the damage if there was any.

Now Aug 2009 I noticed a small drip coming down from one of the skylights in my living room. I only noticed this because I happened to be DIRECTLY under it when it dripped. I called State Farm to tell them and when S. Block called me back he of course gave me attitude about it saying they "are not going to cover rot, mold, mildew or fungus and that it is a NEW claim!"

I feel that they take advantage EVERY chance they get if the claim is over a certain amount! They KNEW that the skylights were MOST LIKELY damaged and it would take time to know. Due to the fact that we had less than normal snow/ice/rain it took longer than expected to find. We HAVE had rain but mostly light rain. When I noticed the drip it was rainig VERY HARD.

When I put my hand on the ceiling I could feel that it was mushy and most likely had been absorbing the water for some time. Also when you look closely you can see a hairline crack (in the ceiling) from the sky light going down to the point of the drip. I just dont't know what I need to do to get State Farm to do the right thing and take care of my claim!

I purchased 1 yr of insurance for my mobelhome back in March on the 17th 2009. Following that date we had bad weather and water damages, however I called in the insurance for a claim in April, 2009 and was informed that I no longer had insurance. I till this day 8-18-09 I have not been refounded, I was suppose to resive a letter on the reasons why I was not insured..However I was abel to contact an agent at the local office she tried explaining why I was not coverd.first she explained the policy was never insured, then alonge the conversation she mintioned that the contract was never complete ..BUT YET I WAS NOT CANCELD TILL 5-17-09 AT 12:01am so in order for the policey to be canceled there had to be sum kind of policy to cancel ,... "u cant cancel sumthin that was never there"..

OPPORTUNISTIC PREDATOR STATE FARM (HOMEOWNERS INSURANCE) RIPPED OFF A WIDOW AND TWO LITTLE GIRLS AFTER A FIRE (THE HUSBAND/FATHER DIED) BECAUSE WIDOWS AND LITTLE GIRLS ARE EASY TARGETS.

My home in Cahaba Heights (Birmingham, AL) was destroyed by Fire in 2005. I was away, caring for my Mom in FL, who was terminally ill, and my young girls. On Feb 24th, 2005 I got a phone call....There had been a fire, and my husband, the girls Dad, had died. We contacted State Farm, our Insurer, and notified them of the tragedy.

Instead of quickly adjusting the loss, by rebuilding our home, paying for another temporary home, and paying for our personal property, AS PROMISED IN OUR POLICY, State Farm weaseled out of rebuilding my home and took actions to make sure I was DESTROYED mentally, emotionally, psychologically, and financially.

State Farm employee, Fred W., started vicious rumors about me at my business, my husbands business, and to friends and neighbors. The rumors he started with his implications and insensitivity resulted in threats on my life. I became afraid for my safety, and my daughters' safety. I lived in fear that year, and the next, having nightmares caused by the horrible rumors state Farm caused. I woke up many nights from nightmares that I had killed someone, or that I was being blamed for killing someone.

I later learned that Fred W. was an ex FBI agent. Maybe that explains why he treated me like a criminal, rather than a good customer who had just suffered a horrific tragedy. Fred W. yelled at me on the phone when I called and asked them to honor the policy they sold me. Not only was he not helpful, he was mean and abusive. I called State Farm and complained but was still forced to deal with him. Fred W. also refused to answer questions on how to make the claim and fill out State Farm's Inventory and Proof of Loss forms.

He was very cunning. He told me in April & August, 2005 (more than once) to NOT fill out a Proof of Loss about rebuilding the house. He said: "Just give us an estimate to rebuild it", which I did. Little did I know that later, State Farm would claim that I never asked them to rebuild the house. At the time, I was naive and trusted State Farm, and did what Fred W. told me to do. What a huge mistake. It's obvious in retrospect that he set it up that way intentionally in order for State Farm to save money by NOT rebuilding my house.

I was not able to be present in Birmingham to operate my business, and we suffered financially due to State Farm's failure to pay for another temporary home or "additional living expenses". I lost my business, and ONLY source of income to support myself, and my children as a result of State Farm's actions, and failure to perform as promised. State Farm never repaired my home. Eventually, the roof fell in due to the extensive fire damage.

My young daughters and I had to live in a condemned house in 2006. There were holes in the walls and floors and animals came in at night. State Farm was aware of that fact, but did NOTHING for us. Please see the PHOTOS in the slideshow of the condemned house where we lived in 2006, after State Farm failed to HONOR the policy they sold us.

Later, in a phone call, Mr W.' supervisor, Lloyd R., privately confessed to me the REAL reason they didn't pay. He whispered into the phone,"WHY hasn't your lawyer sent a final demand letter?" He said that my lawyer wasn't doing enough for me, and that they knew he had a conflict of interest all along. In other words, he was telling me that State Farm was taking advantage of us simply because they saw the opportunity to do so.

It wasn't even my lawyer, it was my husband's Estate's lawyer. I was unrepresented, and told State Farm so, not realizing that it made my daughters and I unprotected lambs for the Predator State Farm to take advantage of. I had asked State Farm if making an insurance claim required a lawyer, and they said no.

I have my phone records. They show over 80 calls to STATE FARM, (that's OVER EIGHTY CALLS TO STATE FARM!), not even including the calls to and from Fred W.'s cell phone. It should be apparent to anyone that I was frantically trying to get State Farm to DO THEIR JOB, and what they promised in my policy. Do State Farm, Fred W., and Lloyd R. REALLY expect anyone to believe that I called "to talk about the weather" over 80 times? Pathetic.

It's BEEN OVER FOUR YEARS now, and State Farm is STILL lying, and shirking responsibility for their actions. I have been forced to spend thousands of dollars I can't afford traveling to depositions by State Farm, again and again, in which a huge table full of lawyers grilled me for 14 hours, day after day. State Farm has dragged me over the coals to get rid of me. I'm not going away. I want everyone to know to know what an evil, opportunistic predator State Farm really is.

My policy promised to perform within 60 days. State Farm FAILED US miserably. State Farm takes in BILLIONS of dollars annually, from TRUSTING customers, but then CHEATS THEIR CUSTOMERS out of their homes and property. I never would have believed this could happen had this not happened to us. I was naive and trusting, and foolishly believed State Farm's advertising.

We (the consumers) buy Insurance to save us from being totally destroyed by a major loss like this. It's outrageous that State Farm made the experience even WORSE instead of helping. I still have not recovered completely from their actions. PLEASE DON'T BE STATE FARM'S NEXT VICTIM.

I purchased a refrigerator from Sears. The refrigerator was delived by Exel Direct Delivery people (contracted by Sears) to my home on June 19, 200 . One of the delivery/installation men dropped the refrigerator door on my laminate flooring in the kitchen. The men also put a piece of cardboard that was part of the packaging of the refrigerator on the floor (to protect it). However, there were large staples still embedded in the cardboard box material and the laminate flooring was further scratched.

The scratched area of the flooring is extensive. Laminate flooring cannot be replaced as it cannot be matched. Laminate flooring comes in dye lots and the floor is 5 yrs. old. Therefore, the entire floor has to be replaced.

An estimate was obtained by Exel and I obtained an estimate on July 22, 2009 and the estimate was forwarded to Exel's insurance carrier, State Farm Insurance. I have tried to contact Paula Miller at State Farm numerous times without success.

I have called four times and left my name and number. I have yet to receive a claim number or any response from State Farm. I am being completely ignored and I want my claim to be processed and my floor replaced. I have called Exel Direct several times, being told that it's not their problem any longer. I want this resolved! They have a legal responsibility.

Our house burned in Nov. and we filed a claim with our agent after which everyone treated us ok except 1 adjuster who insisted we take a check for $40,000 below the least appraisal given. Even though we told him not to bother sending it he did anyway, to the address where the house burned. The post office left a slip in the mailbox and someone signed for the check but couldn't cash it. Months later we learned about the check and it was left up to us to file a report with the police which have done nothing toward finding the person who did this. State Farm did nothing either and left the whole mess up to us while the agent only shook her head doing nothing either.

Every month we were ask how much longer we needed temporary accomi. knowing we could not and had not received money to even clean the mess up much less rebuild. the house was a total lose. We hired an attorney and after months of not returning his call they informed us they will no longer pay for temp. housing. our attorney has filed a suit against the agent and against State Farm, he said he will not be ignored and will not allow us to be pushed into accepting only a percentage of what we deserve.

I have continued to pay the full mount of ins. due to continue to keep my homeowners. He ask me why I had nothing to insure. I realize he is right but still believing there is good in this world did what I thought I should. Not anymore I want the full amount of what is due me and intend to give it to the court before I allow them to beat me out of one cent.

and counting from my parents had the insurance for thirty years (1987)witch adds up to be about Fifty Years I was laid off from my job in (2007) and I was let go from my job because of budgets cuts I was keeping up with my home owners Insurance and It was a mounth and I was behind two mounts behind and I called to let them know that I would be sending seventy five dollors and I was told from the insurance company it would be okey and I also told them that I would be able to get caught up in the next month so I mailed the check and before I knew I recived it mailed back to me so I called and asked what the problem was and I was told from the Insurance company the told me that I would have to get my roof hot top and if I don,nt I would canceled from the State Farm home owners Insurance I belive I was getting a raw deal.also I have been under doctors care since then.

Will not renew insurance claim because of turning in claims due to weather.

the cost for my bathroom is 5000 and the window is 475.00

I have an ongoing home-owners claim with State Farm Insurance Company resulting from the winter storm that struck Kentucky on January 28, 2009. I have been given the "Run Around" by State Farm for far too long! I have suffered major personal loss of items and property and now they are now refusing to pay for anything! My claim was assigned to "Special Investigator" Carolee S from Louisville, Kentucky. After the storm hit leaving us without power for 2 weeks, it took State Farm almost 2 months to get a claims adjuster to my home to begin the claim!

Finally someone arrived from TEXAS to fill out a report! Apparently State Farm expected for us to leave everything in the condition that the storm left it so that they could take photo's ... NOT!!! We cleaned up as much as possible and tried to get back some quality of life as we once knew it by temporarily fixing the roof and buildings. Well now they refuse to pay on the claim stating that they don't have proper evidence that the damage was not pre-existing!

I am so fed up! I did everything that was required by State Farm as I went along! Including documenting my losses. They are the most unprofessional company that I have ever been unfortunate enough to deal with! I was transfered from Tennessee, to Illinois to Texas to Florida with no one having any idea what to do next! I refuse to take this laying down. And now ironically there seems to be no one that you can actually complain to except the agent that is assigned to your case! Isn't that handy? Resulting from my roof not being repaired I am continuing to suffer further loss with each passing day!

I have now had to replace my washer and dryer both from water damage! When I spoke with the agent on the phone earlier she told me that they were not going to pay anything further on the claim! This is insane! Now the electric has gone out in the entire back of my house from the water damage! I told her that I was going to contact an attorney! Surely there is someone out there that will not stand for this! When the monthly insurance premiums are due State Farm expects their money! But when there is a problem and a claim needs to be filed they continue to give their clients the "Run Around"?

Our family was on vacation, and between the hours of 6:00 p.m., July 12th and 4:00 p.m. July 13th our two 4-wheelers were stolen. State Farm is refusing to cover any portion of the amount owed. We have coverage on our dwelling, dwelling extention, and personal property totalling $189,255 worth of coverage. I knew the 4 wheelers would not be covered off our property but due to our homeowners was assured it would be covered on the property. I have filed a complaint with the Texas Board of Insurance, the Better Business Bureau and the corporate office of State Farm. One of the 4 wheelers is a 2006 model with $4200 still owed on it and the 2008 Yamaha was purchased as a gift for my son when he finished college still owing $9300. Because perpetrators came onto my property and stole our two 4-wheelers, we are now required to pay $14,100 on two items we no longer own and our homeowners policy will cover.

We were not notified of the change in our policy. They just put the information in small letters in the exclusion portion and don't feel the need to make you aware of the change. I contacted several other insurance agencies and 4-wheelers are covered under their homeowner policies. Why is State Farm being allowed to exclude items without proper notification to their consumers. We have been a customer of State Farm for over 25 years, and Like a Good Neighbor, State Farm is there has taken own a whole new prospective. Several families we know are now considering changing insurance companies over this situation with our family. We have had only two small claims over 25 years and when we need them the most, they are not there.

Again, this is bureaucracy at its finest. Anything, anyone can get by with they will. It seems like insurance companies are just their when it's time to pay the bill, but when you need to make a claim they will make every attempt to find a loop hole in order to not pay their claims.

My roof is damaged and leaking due to the hail storm and all the homes in the neighborhood are getting new roofs except those who have State Farm. I have leaks and they say my roof is just old. I have water damage due to the storm last week because they denied the claim.

The roof is $10,000 and the interior damage is $6,000. There is drywall and water damage all the way to the first floor through a light fixture.

I now have the roof tarped but they will not pay for the damages and a new roof.

I have had my home owners, auto, and life insurance with State Farm, for over 15 years. I recieved a home owners cancellation notice from them dated July,5 2009. It stated I would not be renewed due to a claim in April 2006, for wind damage, and a $0 claim in May 2009, for a tree that fell on my neighbors fence. No call from my agent, just a non renewal letter. So much for 15 years of paying premiums!!!

Ike caused damage to my parents home in Houston in September. A tree fell on the garage and part of the kitchen. It hit the hot water heater and gas line so there was no water for the house. Lightning also struck a tree next to the air conditioner and caused it to go out. Because of these two things, they had to live outside the home for 9 months. Yes, nine months. THREE adjusters argued with several contractors who ended up refusing to work with them and moved on to other jobs.

As the house set, more damage was done by water and the total cost for construction ended up costing a little over 34,000. This did not include cost of removing the dead tree that lightning had struck because my parents could not proved that it had been struck during hte storm. My parents wrote a check to the construction company for the entire amount. They were told that they would get money for the appliances, cost fo living and electricity they had to buy as a result of damage. When my dad asked about this, they were told the claim was closed and he would not get any more money. The appliances ahd not been put in ANY of the three adjusters' reports!

The only reason the hot water heater was fixed was because the contractors had put it in their bid. We are still arguing with the insurance company about rent, electricity, freezer, washer and dryer payments. My parents have been with State Farm for the entire 33 years they have had their home and this was their FIRST claim EVER! Because they were out of their house, it was broken into.

My parents had to make a new claim and pay another $1000.00 deductible! So for a new front door, new back window, a computer and jewelry that was sotlen my dad got 750.00!

They essentially waited until mold grew on the damaged structures to deny coverage, even though the water caused the damage not mold. I hired an independent adjuster and they assessed the damage at well over $100,000. Even though I paid for an independent appriaser, State farm refused to hire one in 30 days to continue the case stating we had not provided any proof of contention of their assessment, even though I submitted an estimate for partial repairs for over $23,000 before I ever hired and independent appraiser. The United Way helped us and the repairs were performed. Now State farm insists there is no proof of damage (I have the estimates submitted to the United way from the people who did the repairs).

State farm is strait out corrupt and is used delays and inappropriate tactics and policy interpretations to defraud us of our right to compensation.

I have had coverage for all my insurance needs through State Farm for almost 25 years and have never filed a large claim for anything.

I contacted State Farm and was told that even though the front of our policy states in big letters we have coverage for mold damage up to $10,000.00, that if we read the fine print on our actual policy we would see that coverage does not include slow leaks, even if there was no way the homeowner could be aware of it! It only covered damage from catastrophic events.

A 150 to 180 foot oak tree fell from a neighbors yard onto and into our house causing severs damage. T. Berzinskas (first of 3 adjusters) prepared his own estimate and sent us a check for just over $21,000 and told us to make arrangements to repair the house. He did not care that the estimates from contractors were between $85,000 and $106,000, it was up to us to get it repaired for just over $21,000. It took him 32 days to see the damaged property. Since then we have had to hire a Public Adjuster.

To show how bad State Farm is, it took them so long to pay the moving and storage company that removed what little belongings we have left (it only took 5 months to approve)want paid in advance to return our belongings since State Farm does not pay in a timely manner. I can not begin to explain the daily hassles and immense stress throughout this ordeal.

Our fireplace caught on fire. We filed a claim. They tried to get us to go with a company that was not certified to replace the fireplace. We went with a company that was certified to replace the fireplace. State Farm finally settled it. We got a letter today telling us they are not going to renew our insurance because of the physical condition of the property.

On October 31 2008 we had a house fire and lost nearly everything. The insurance company came out and started working in our favor. Then they hired a contractor to do work on our house. Well things started out ok atleast the demolation of our house. They gave a bid of $58509.38 to complete our house.

As things began in progress we noticed that they were not doing things by industry standered nor code. We notified the insurance company and nothing was done. The insurance promised to take care of bills at the house that burnt and we would take care of bills at rental which did not happen.

A few weeks ago we had a meeting with Lindsay and the contractor to point out what was going on. The contractor stated he was finished with the job which in fact he was not. They removed and charged for things such as : removed aliuminum windows replaced them with vinal, removed hardwood floors replaced with laminate, removed speical order cabinets in kitchen replaced with stock they did not seal any walls or floors, paint the outside, there is o much to list i have all documentation and pictures they charged for all the above and much more but never did the job.

We have had State Farm Insurance for over 17 years. All of our auto, homeowners and personal articles policies have been with them. About 1 1/2 years ago we had just moved into our new house. We were in the middle of getting our back yard fenced in (the fencing materials were literally lying on the ground). One of the neighbor kids came into the yard and was close to our German Shephard. Our dog was stiffing him and everything was fine, but the kid put his hand out unexpectedly and our dog nipped his finger. Of course we felt horrible - we told his parents if there were any medical bills we would be happy to pay them. He had a small puncture wound on his finger which healed fine within a week or so.

We made a claim to our insurance company so the medicla bills would be covered. At that time our agent told us that if we made this claim we might be dropped, and I argued with her and she told me she would talk to the underwriters and see what she could do. We never heard anything back and shortly afterward we received a letter from State Farm saying the claim had been settled and the file was being closed.

We thought everything was fine, and now about 5 or 6 months later we get a message on our machine stating that if we don't get rid of our dog they are dropping our coverage. If we would have known this ahead of time, we wouldn't have made the claim. We would have paid the medical bills out of our own pocket. We have hardly ever made any claims over 17 years - once for hitting the garage door! We have paid $1,000's and $1,000's in premiums and this is how they treat you! We have been told we probably won't be able to get anyone else to insure us if we keep our dog.

I had a State Farm agent that broke the privacy act by giving out my phone number to my ex. The agent knew I had a restraining order and several (60) reports on him and have had to have my number changed several times. My ex was living in one of her rental homes for rent and utilities free. I have had continueing harrassment what are the statue of limits on this would it go with my current case against state farm on my home owners fire claim

In January, the Winter storm hit Packwood Wa. We had snow ranging from 4 to 8 feet. In East Lewis County Wa 2783 homes were damaged. 600 in my area. State Farm says only my house was different from the rest- just happened to settle after being built in 1982 just happened during snowload storm and area declared a disaster by government. Fema walked in saw interior damage and said SNowload so now 4 countractors and Fema and SF's 1st adjustor and FEMA see. Others have had homes fixed and on their way. We are still fighting because contractor said Settling from snowload so SF took word settling as an excuse not to pay. IT WAS CAUSED BY SNOWLOAD

House roof destroyed and two support beams cracked as snowload drove home downward. State Farm has yet to pay after several contractors said Snowload damage. They have had us deal with 10 different people. They have lied and played games. Now say another 2-3 weeks after 3 months- guess they want more damage or house to cave in. SEEMS LIKE LAWYER ONLY WAY TO MAKE THEM RESPONSIBLE FOR SERVICES THEY HAVE BEEN PAID FOR. STATE FARM IS NOT GOOD NEIGHBOR AND NOT INSURING TO PEOPLE AT ALL!

This was our first homeowner's claim. On Tuesday, March 10th, we had water damage in our finished basement due to sump pump failure. Called insurance office and was told that we were covered and they would file the claim. She told us to go ahead and do what we needed to do to take care of the basement. On that same day, I contacted Olympic Restoration COmpany and they came over ans started working. I called my insurance company back and informed them that Olympic was at the house working and that they said there was quite a bit of damage.

The lady at State Farm responded again, You are covered, do what you need to do. She aslo informed me that my deductible was $2,960.00 but gave no further information regarding our policy. After talking to others who thought the deductible was an unusual amount, I again called the insurance office (same day). I asked how they arrived at that number and was told it was 1% of our coverage. So then I told the lady (Jackie) I wanted to make sure that all this work being done was going to be covered and she replied, Yes, you have the cadillac policy. Don't worry about it.

The following day, State Farm Home Office called and left a message with our claim number and said an adjustor would be in contact with us within 24-48 hours. I didn't hear anything back and still hadn't even heard from my agent, so a few days later Olympic tried calling State Farm Disaster team to try to find out who the adjustor was that was assigned to the case. He was given a number to call but was unsuccessful in getting any adjustor information.

I then called State Farm Home Office after a week had passed (my insurance agent still had not contacted me at this point)and was told that no adjustor had been assigned to my claim. On the evening of day 10, an adjustor finally contacted me. It was not until then that I was informed that there was a cap of either $5,000 or $10,000 but he wasn't really sure which. The following day I spoke with my agent, Todd, for the first time since all this happened and he confirmed that my cap was only $5,000. So I informed him that the Restoration Company's bill was a whole lot more money than that. That's when I told him that it would have been nice to have had that information from the start, to which he responded,Oh, so what you're telling me is that you sat back and watched since you assumed State Farm was picking up the bill.

I told him, No, I called your office three times and was told on three different occasions that I was covered so I hired a professional cleaning company, which State Farm knew, so that the work could be done quickly and correctly and to prevent further damage from the water. He laughed and said,Well I can tell you State Farm isn't paying for this.

On day 15, the adjustor finally came out to the house and confirmed that there was a lot of damge but again stated that I had a $5,000 cap and no personal belongings coverage. He said all he could do was issue me a check for that amount. After the adjustor left, I went to see my agent in person and he said, I'll see what I can do but I can tell you State Farm is not going to pay for this. This is now the 30th of March and after several requests, we still do not have a comprehensive copy of our homeowner's policy.

They sent us a two-page fire policy and said that was it, but it doesn't say anything about the different types of coverage or caps. What they sent us shows that we have dwelling coverage for $290,600 and personal property coverage up to $159, 830 with a 1% deductible. We have requested copies of our writers and endorsements but again, never hear back from our agent.

This agency has mishandled this from the beginning. Initially, we were told on three separate occasions that we were covered and it wasn't until after the work was completed and not until 10 days later that we were informed about the cap. On top of that, that information was provided by the adjustor, not our agent! The amount we are being reimbursed doesn't even cover the cleaning bill! What can be done to protect others from such negligence by their insurance agents?

Our house burned in Nov. 2008 at the time my daughter, granddaughter and 2 grandsons lived with me and we were relocated to a motel for 30 days after which we were moved to an apt.complex. We were rented furniture, linens and even the forks we eat with are rented. I worked with adjusters who were pleaant and offered help in many ways except for the adj. who was over the structure damage. There was toxic smells which caused physical sickness to anyone who came close to the house. although there was a remainder of the structure there was no way any of the remainder could be used and a guarantee of no odor in the future. we paid for replacement ins. and it was almost 2 times the cost of reg. homeownrs ins. so I expected to have the home replaced and contents minus deductable.

We were given 2 different estimates by cont. which were $40,000 above what statefarm adjs. gave. I was told to start repairs and we would hagle with the remainder. My home had been paid for for years and I am in no position to take a new mortgage out to pay for remiander of costs and replacement which I paid to take care of in case of a loss. The check was sent not to our agent as expected but to the burned house and picked up by someone who could not cash it and this is the only thing that saved us. We are in the process of finding and having the person pros. which the ins. takes no part in and if they had been able to cash the check I guess we would have been out this money. The adj. told us he would send a check but not when and I always figured the agent would be where the check was sent. I think he knew it would not be accepted and that is why the agent was excluded in the trans.

anyway we found out by accident about the check and was told in a rude way we could accept the money or forget it. I was even told to make up in the claim against personal belongings to make up what we lack in structure for the difference. I think that would come under fraud since what I claim in personal is for actual things lost. We also received a letter which told us we could be canceled on if we have any more problems. The agent told my husband it was a form letter sent to everyone who had a claim. I don't think so. I hate the feeling I'm stupid and don't know which end is up by people who think they can intimidate me and talk over questions I have.

I would have thought a co. as large and old as state farm would do better by the people who trust and keep them in business but I guess this comes under money matters more then people. but they need to understand without people there will be no money and one day they will run out of people. If anyone has had a simular problem I would like to hear from you since I will see an attorney take the money before I will roll over and give it to someone I trusted.

Back in 1996 my home was broken into. It took State Farm months to pay up. I waited and waited, then finally spoke to someone there who I actually knew on the outside. Only then was the case resolved. Now State Farm is discontinuing Florida homeowners insurance. Well, I'm discontinuing State Farm eventually, no homeowners from them, why should I keep on with them. I've given them plenty of cash over the years, now they're deserting us. Like a good neighbor State Farm says. I don't think so.

I had a water loss claim, me and my family had to move out and live in a hotel for 30 days. This adjuster has not paid me for my living expenses. I was promised that I would be taken care of and there would be no problems and all my living expenses and property would be replaced. It has been 6 weeks since we moved back into our house and we are still faxing things to her. Also she gave out my personal information to other people i asked her not to talk with about this issue. She has belittled me more than once calling me a liar. I am very un happy with the claim depart of State Farm, they have not treated me fairly and they are still not paying me for anything I am due.

I had to use everybit of my savings that i was told would not be an issue that I would paid promptly. I also have children that had their clothes and shoes and bedrooms ruined and they are still waiting for the property to be replaced. I am a single mother and am the only one that has income in this home and because of the waiting game my kids are doing with out...

8 months ego our house was in the fire. At the time of the fire we were on the vacation in Ohio. Fire destroyed all personal items and big part of the house. We open the claim and all problem starts. First thru State Farm fire investigation they find in our basement my paints, paint thinner Tike fuel-(typical household items) and claim it was arson! After 8 months process of reviewing our bank statements, phone records and other documentation, we receive information from our adjuster that State Farm denied the claim!

Now we have nothing and State Farm has our money. Now we can sue them what will take another 1-2 years. My family now has no place to live, no furniture, nothing. We pay them to protect us and we got This as return! We need help to survive and to proceed with lawsuit

No place to live, loss all personal items, can't pay for damage house and temporary house, depression and nervous breakdown, my wife, daughter and me are devastated

On 4 mar 09 Winston Simon came to my home to do a roof inspectiom. My wife was very insulted by his constant spitting on the roof, the driveway, and on the ground near her feet while she was talking to him. To me this is totaly unprofessional behavior and showes a disrespect toward us as a state farm customer for the last 39 years.

I did not know of a rule in the insurance industry that if you have 3 claims in 3 years you can be denied continuation of your home insurance. 1. My first concern is the term claim which to me is the same as a loss. In April 06 a roofing guy came around my neighborhood & said I had hail damage on my roof. I am a registered nurse & know nothing about roofs. I called my insurance company which I have had for 25 years this year. They sent an inspector out who told me there was no damage. No financial outlay by State Farm occurred Yet this counted as a claim.

Next in 2008 we did have a water damage claim which was from an accident. State Farm paid promptly. Claim # 2. Now we have water damage on an interior ceiling & have been informed by our agent, Jon Allen, that this will be claim # 3 & could lead to our coverage not being renewed. The 3 claim rule by a company is their decision. A claim should be the same as a financial outlay but if they dont have to pay anything it should not count as a claim. Being in the medical profession I would compare this to standing the hospital waiting room being charged the same amount as open heart surgery.

According to State Farm their actuaries count this as the same. How can this be? I was told by J. Allens, supervisor, D. Jergen that if my agent had known the day I made the claim that there was not going to be anything paid out they could have entered a code into the computer. Well they didnt know it on the day I called because they couldnt get their roof person out to look w/in that timeframe. Why am I penalized because they cannot get their actuaries to look at whether or not their was a monetary loss associated with a claim.

I have been told that State Farm has lost money in each of the last 18 years operating in Georgia. My home insurance rates have gone up accordingly. My agent & his staff are very gracious & kind people who are responsive to our needs but this is the policy of State Farm that does not seem fair to policy holders in the state of Georgia. 2. According to my agent this rule has just recently gone into effect. Can this rule be made retroactive for the previous 2 years? This does not sound fair to me.

We had ICE STORM 2009 our barn, trees and fence has collapsed under the weight of the ice and our Govenor has placed our county (Butler)in a disaster area.

We paid premiums on $65000.00 (Dwelling Extention, Barn) and $74625.00 Personal Property. State farm has issue a check for $39350.73 which they say is a depreciated value payment on the total. We have estimates on a replacement value of over $56000.00 which they ignore. Please help.

We have a townhouse just east of Pittsburgh. A few years ago a new set of townhouses was built behind us at a much higher elevation. In the process, they changed the grading of the land behind us. This caused water damage to the facing basement walls of our townhouse and the two townhouses flanking us. We were informed that they would not accept responsibility for the water damage and that we would have to take them to court. Our townhouse association suggested to us that if our insurance with State Farm covered the damages, then it would be better to have our insurance company fight them.

August 2008, my wife called the office of our insurance agent Mark Albright with State Farm and spoke with one of his two assistants, Irene. My wife called with one simple question: Does our townhouse policy cover such water damage. She called only to find out if, according to the terms of our policy, we would be covered, not to put in a claim. Irene admitted to her that she was not particularly familiar with townhouse policies, and that she had absolutely no idea if we would be covered. But she did say that the regional claims office would know if our policy would cover the damages, and she gave my wife the phone number to the regional claims office. That was the extent of my wife's interaction with Irene and, as far as we knew at the time, the extent of Irene's involvement with our question.

My wife then immediately called the regional claims office and was told within a few minutes that, no, our policy would not cover such damages and it would be pointless to file a claim. I was recently shopping insurance for our new house in Nebraska and was informed by multiple insurance companies that our premiums on all future property insurance could be upto 30% higher because we have a $0 payout claim for water damage against our townhouse insurance in Pennsylvania. I did not understand this, because we were told that our policy would not cover it, so we never called to put in a claim, we never asked for a claim, and we certainly never authorized a claim. I immediately called my agent M. Albright to ask what had happened and for him to get that off our record since we never put in a claim. He told me repeatedly that he had no idea what had happened, that his office did not file the claim-it must have been the regional office, and that there was nothing he could do.

When I then called the regional claims office, they told me that not only did his office file the claim, but that they had the record of who filed it and when, his assistant Irene after her phone conversation with my wife, and without telling my wife she was filing a claim and without receiving our authorization or asking for our approval to file a claim. Presumably, Irene thought that since she did not know thw answer to our question about our coverage, she could find out the answer by putting it in as a claim, without our even knowing about it. State Farm now refuses to remove it from our record, saying that it stays on because our agent's office filed it, even without our approval or knowledge. The implication is that it is acceptable for an agent to file a claim without a client's knowledge or approval simply because the agent did not know the answer to a coverage question.

And State Farm additionally believes that the basically illegal claim should stand even though the policy did not cover such a claim anyway. ( I say agent because even though it was his assistant who did this behind our backs, he should be directly responsible for everything his assistants do.) I am a doctor and would never put in a claim without first finding out if our policy covered the damages. And all we did was to try to find out exactly that from our agent. How can it be legal for this to remain on our insurance record?

Increased premiums on future property insurance. We never made a claim, and yet there is a claim on our insurance record, even though we were told that our policy could not even cover such a claim.

I have a claim right now for my home being burglarized and the adjuster/inveswtigator wants to run a credit report on me to determine my credit status at the time of my claim, basically telling me I am trying to get money! He told me to give him receipts and boxes for all my items taken..so I did..well he said he was going to fix the window they busted and pay me $50 for my 20+feet privacy fence the crooks damaged getting to my property.

He is refusing to replace my items because of my current financial status I told him that I do not authorize a credit report to be ran and I will be in contact with an attorney to recover the items that were taken from me. I had faith in State Farm before but I guess once you file a claim and are middle class or black...you're a liar

My kitechen window and bedroom windows to my daughters room is still busted out, the fence, the light fixtures and State Farm is telling me that if I let them run my credit they will go from there!!!! I have been living with friends and family right now with my 3 daughters b/c State Farm doesnt want to live up to their end of the policy! OBAMA you need to hear this one!!! This economic crisis is definatley rubbing off on companies who then run consumers like me through the mud!

I had a pipe break in my basement and had 4 feet of water. I made a claim and they paid me $6,178.00, most of it went to a contractor for clean up. The insurance paid he claim very fast and never compained about anything. This is the first time I have ever made a insurance claim which includes my cars.

I received a letter from State Farm and they cancil my insurance because I made a claim.

1-3-09 we found the house flooded with water,we immediatley turned off water main removed as much water as possible and turned fans on for cross house ventilation. 1-5-09 contacted our agent with our flooding emergency, she stated we had to wait to hear from our adjuster before we could act, said we would hear from them no later then the end of the day or early next morning. We would of called earlier but there was no emergency #. Even with us calling our agent every day we still did not hear from the adjuster till late 1-7-09. Well guess what started growing on the 4th day, mold! I have been told that it is my responsibility to make sure there is no more damage done to the property! I did what I could do!

When I called our agent I asked what can be done? Is there anyone I can get out here to start getting things dried out and she stated I could do nothing until I heard from the adjuster. So when the adjuster finally responded and told me to call a company called servpro they were right on it. Why wasnt I told of servpro the first day? I never have heard of them before or I would of contacted them myself. It has been weeks and they are still trying to dry everything out but until. Because of the age of the house there is asbestos that has to be dealt with and the mold. During this time I can never get the adjuster to return my calls or even the agents calls, he didnt even show up on site for 7 days.

About 85% of the contents of the house was lost, the water bill is 2332.00 and I cannot imagine what the electric bill is going to be with all of the equipment running. Servpro rented unit for the belongings that were not lost but I was told today I had to find some where else because state farm will not pay for it any longer. But according to the adjuster there is no mold coverage at all and the fact of the matter is if he would of responded to our emergency with just a phone call there would be no mold, I do not know what I am going to do because mold remediation just to start is $5ooo.oo just to start it is like a bottomless pit and they will not allow the homeowner to do the work. So I do not know what my next step should be, do I have any rights cause of the neglect of this adjuster? Please help

My husband told me to leave our home of 29 years due to irreconcilable differences on Dec. 3,2008. I had to leave. This was not willingly. I am residing with my parents at this time. On Dec. 29th he filed for divorce. We had a payment plan in which we paid monthly payments on the house, our daughter's car and our car. He removed our car from this policy as I am driving it and my insurance therefore went up. Another situation - I received a letter from State Farm Headquarters that Ronald (my husband) requested my name be removed from the homeowner's policy.

I called Bob W and asked him about both situations. His secretary stated that my automobile policy had gone up because of where it is parked. I asked her what the letter meant about the homeowner's. She stated that if something happened to our house that the check would be made to him only. He stated I could have it put on my mother's policy. (She is 74). When I asked about the homeowners, I told them that my name is still on the house, we are not divorced as of yet. I told him I was going to ask the State Board of Insurance about this and also my attorney. He was very nice and said to do so and that whatever I needed to be done, he would do. We live in a small town. Mr. W and my husband are in the Masonic Lodge together and I am not sure Mr. W has my best interests at heart, even though I have done business with him for years. Are both of these situations legal? Thanks.

11/04/08 I came home to see my home on fire. Mr.E came out that Monday and totally disrespected me as my husband's wife.He never asked who was I, but hurried to stated he was only concerned about my husband, because his name is on the policy. He gave my husband a check for $5000. I went through our home and took pictures, along with counting every item that was destroyed besides what got burned to a crisp and reported my lost.

Mr. E basically told us because he don't make a certain amount within a year we were lying about our content. He wanted us to fill papers out giving him permission to invade our privacy. He has told us that they don't cover alot of our items and because I didn't want to give false timing on some items I left them blank and he stated he wasn't going to pay for those items neither. STATE FARM is the worse insurance company to deal with, if anybody has sense RUN as far as you can from this COMPANY. It is a sham people work and spend multiple of dollars on their content and someone have the nerve to tell them what it is worth. Something really needs to be done concerning this company.

We didn't have anything salvagable and instead of AL E getting pictures of our contents he was trying to see if we started the fire. It was ruled accidental due to faulty wiring, but he is still trying to find a way to get out of paying us.

So let me get this straight. As an insurance provider you want to sell your products, services, and policies to your customers until you decide its too risky to provide insurance. Hmm, isn't your business model based on risk and reward? Sometimes you win and sometimes you lose. It sounds as if the organization could use a business coach on how to make good business decisions that benefit their customers and their shareholders.

"Like a good neighbor statefarm is there"...you have got to be kidding me! As a 20+ year customer with home and auto policies, and ZERO claims I find it unconscionable that your would hide behind your desks and let the media tell me you are dumping me. What a crock. You should come up with a way to manufacture a non-rechargeable electric car. You've got the list of suckers, I mean customers that bought into your first concept and convincing us you would be there. I'm sure you could sell that car and then have the tow truck driver tell the poor chump that he bought a car that he cant use because the maker decided they were going another direction before they made a battery charger.

A couple of thoughts. America is such a great place that we allow our 'good neighbor' to say, screw our Florida neighbors, we are only going to sell them our services that offer minimal risks. And to think the state would probably give you a license to sell peaches at a roadside stand just baffles me. Hey, if we are not good enough to buy all of your products, I suggest you load up the uhaul and take the rest with you.

Even though state farm is by far not the cheapest insurer, I have probably turned down thousands of requests to take up others offers and passed up thousands in savings...heck, my 'good neighbor' has been there for me (wait did I mention 0 claims in 20 years) 'er would be there for me if circumstances required, so why would I do that to my good neighbor that takes care of me. Even though some mail campaign tells me, we'll take just as good care of you and cost you less. C'mon give us a shot. We want your business and will treat you like family. Uh oh, where did I hear that before I would think, oh, that good neighbor named State Farm. I cant leave him, he's a great guy, got good kids, a great staff and really wants to talk to me when I stop in to say hey.

So, my good neighbor wants to raise rates 47% because of rising costs or whatever. Someone has been stealing the newspaper off his driveway (or his foreclosed neighbors driveway), because he obviously hasn't seen that property values have fallen over 50%. So what you are really asking Florida is a 97% rate hike. I'd turn it down to. I would feel funny borrowing 10 bucks from my neighbor, but obviously my 'good neighbor' feels its his given right to be excessive in his requests. Maybe I should go out and find the latest home value figures. last I checked, I have $350000 coverage on my home that the median value is now 279000. Now, I didn't ask you my good neighbor to re-evaluate my home when the values plummeted, but like a good neighbor I figured just in case something happens "you'll be there", so why fix what's not broken, besides it's all good, we're neighbors.

Now what would a true neighbor do? If you are state farm you move out of the state and leave some of your belongings behind. But me, I am a good neighbor and would go tell the guy that's been there for so many years for me, hey, there's no need to move out of the state, just move away from the neighbors that duped you and built a house 3 feet away from being taken over from high tide. We're not all bad neighbors, we look out for each other, but you need to lose those friend on the water, they are just begging you to let them build that fixer upper into a party palace on the beach as their weekend get away. This neighbor (me) would say, hey stop hangin out with those guys, they are bad news its a no win situation and it will ultimately alienate our neighborly ways.

I'm not in the insurance business but I consider myself to be business savvy. How can I seem to understand the underlying issue, but the people that bleed the red logo don't?

Every claim we have had with state farm has been handled with Ben or his secretary using intimidation with us and no service at all unless we wanted more insurance then they would charge us immediately. We have had very few claims but the homeowners is the worst. We have called on a fire in 1996 and they informed us that it would not be covered due to a $1000.00 deductible and we should just handle it ourselves. My dad bless his soul fell through our ceiling. But we handled it.

Now we have a plumbing issue. It is going to be costly. Instead of saying oh let us help or let us check your policy, his secretary immediately called state farm and informed me that no matter what the problem was that it was for sure not covered under our policy. We have been with this same company for over 30 year s and I can't believe the lack of service or care.

We don't get the claims paid and we end up being out of pocket all charges and the insurance cost.

In July 2007 my attic sustained water damage, I contacted my state farm agent to advise of the situation, agent said he would turn in the claim and someone would be in touch with me. numerous emails to the agent wasn't successful. I began filing complaints with the Insurance Commission with the state of NC and that got some heads to rolling at a higher level than the agent however as of 01/14/2009 no adjuster has come out to view damage. My take on it is that state farm will run this matter until the 2 year statue of limitations expire and then close the file.

I have since then moved my homeowners insurance and auto insurance from state farm to another company that JD Power rates higher in customer satisfaction with quick response and claims settlement. My recommendation for anybody that is feeling the effect of no pay from state farm should seriously consider switching their insurance to a more reputable compan ! Hey, I was able to get the same coverage with a lower deductible that I had with state farm and paid a lower premium than when I was with state farm.....be aware that state farm has the premiums inflated.

Mold in my attic, and water damage!

Allstate filed a false 0 dollar claim against me to Choice Point. Allstate cancelled me at renewal. I never filed a claim. State Farm gave me a good quote for 909.00 and 2 weeks later they increased my premium, Us bank requested a check for over 550. and increased my home mortgage premiums to 721.00 they said it was due to my hazard insurance.

Choice point and I fought Allstate for 2 and 1/2 years until Allstate ammended my return back to 2006. I have not been rembursed by Us Bank or State Farm. No one will take the blame, I have all my paper work and disputes from Choice point.

This caused a problem with keeping my account current, and hypertension, loss of work and time from my family. I believe it has helped to ruin my credit for a few years.

I have had state farm renters insurance for 3yrs. Recently i went away on vacation and was a victim of a burglary. There was no force entry showing that I may have left door unlocked! Or as police said < i may have closed the door on the jacket that was hanging by the door! Regardless, state farm has been nothing but pain. They wanted receipt of everything, and under priced most items that were taken. And, they questioned me and anyone that had to do anything with the items that were taken, including my ex-husband whom i did not want to get involved in any shape or form.

They basically interrogated me when the agent came by to investigate and wanted to tell me i lied about the burglary! he gave me anxiety when asking questions, all detailed questions about my personal life! This is the WORST insurance company i have ever had to deal with and never will! they still have not paid for anything

Our home burned down May 18th 2008 a total loss. My agent was called and was there with us as we watched it burn everything we owned. She gave us a check for 5000 on site and said do whatever you want with this we are here to help you. Ok for one we have 6 children and we totaly devastaed that day. We went back tot he hotel that night were we stayed for 3 weeks until state farm aggreeed to buy a 2 bedroom 1 bath mobile home for us to stay on our farm to care for our pets.

to make a very long and still going story short. Our home is considered a undetermined house fire they can not find cause of our fire we even hired a fire expert and have an attorney and NOTHING but oh no state farm is deniying our claim 100% saying they think it was an intentional fire so they are paying for nothing not even housing. Ofcourse we had to purchase another home to live in winter comes and I home school and could not live in a 2 bedroom mobile home with out skirting on it which they denined us putting that up as well we needed something larger for the winter so we did buy a home so here we are in Dec late dec that is paying 2 morgages and paying everything out of pocket. we are sueing them

Had hail damage to my roof on my home during a storm, Adjuster came and confirmed. I had already had a couple estimates but the adjuster's own estimate was about a thousand too little but said if the contractors actual costs are indeed higher to just submit the final invoice after the work is completed and they would adjust the difference. Well after the work was done I never could get the adjuster to return my calls.

I have since received the amount that the adjuster originally estimated for which was about $7000. I then contacted and faxed the information to State Farm's office My agent gave me of which the initial conversation over the phone indicated they were going to adjust for the difference, the final invoice was a little over $8000. a few weeks passed and I called on a status on the claim, everyone I talk too says the claim is paid and no adjustments have been made nor are they willing to do so or even discuss it. I am now filing a complaint with my states do nothing insurance agency but I am also going to switch to a different insurance company right away.

I am still out of pocket for the difference of the actual repairs and what State Farm has paid me on my claim which is a lot of money to me.

my homeowners ins,is being canceled,reason,i had reported roof damage on several occations at the addvice of at least 2 reputable rofers,that stated i had hail damage,and asked if an adjuster could come out and look at the roof,i was not aware that just coming out to look as long as they did not justify damage and i recieved no money that this is considered a claim,well apparntly it is,they also based there decision on a report /mich like a credit report,i order a copy of the report ,i have no deloinquent acounts all my bills paid on time ,never been sued,perfect rport,but because they had to pay after the big storm from the hurricane,they could no longer avoid this claim,they mis-measured the roof for the amount of material needed.and the company i contrated to do the work have had nothing but problems,dealing with state farm ,the money they did give for my roof /siding damge and garage doors all had to go towards the roof.and now they want to come and remeasure the roof .

We have had this house for 16 years. We have never had an auto or a home claim of any kind and we do not intend to. We are private, careful,moral people who value our home.

We got a letter from State Farm that they were dropping us because we had a ladder inside our above ground pool and because we had personal property outside that was not secure. I suspect this may have been an old gutted computer we were going to donate that sat outside for a couple of weeks on our carport. We are not sure. If someone had stole it we would have been glad.

In any event, we are behind a tall privacy fence and the pool was covered- someone would have had to have came out and snooped in our yard and even got under our pool cover to even see that little ladder was even in the pool.

Well we are now stuck without homeowners insurance. Our mortgage requires it. We are not in a hurricane zone or flood plain or anything.

After seven months on the market, I finally had a contract on my house, and the buyers didn't pull out of the deal when winds from Hurricane Ike fell a huge pine tree, caving in my covered back porch and poking a sizeable hole in my roof. I waited two weeks before I was contacted by an adjuster for State Farm. I spoke with the man twice, but never met him because he was let go. It was two days shy of a month since the hurricane before an lady came to inspect my damage. She estimated my damage and promptly delivered a check for $5,500--considerably less than any of my bids for repairing the roof and rebuilding the porch. My agent's office, with whom I'd been working all along, asked me to be patient and work with the Dallas office, although I requested another inspection.

The Dallas office had my contractor send 3-4 different versions of his bid. After the Dallas office denied rebuilding the porch, I demanded a second adjuster assess the damage. I got my second visit from State Farm nine weeks after the hurricane. The new adjuster was just in time to see the water damage to my kitchen and attic from heavy rain two days earlier. I removed my florescent ceiling light cover to find it full of water; the contractor and adjuster had to help remove it and we still spilled water everywhere. Work has not begun because even with the suppliment of $3,000, the repairs I feel shoud be made are not funded. Specifically, I am worried about the structural integrity of a porch that has collapsed and only been half repaired. I also feel that the whole roof, not just a portion should be redone. The back of the house is funded according to State Farm standards, but the adjuster said the front could be repaired with a few of the leftover shingles.

My buyers pulled out after being patient for six weeks. I still have hole in my roof and a destroyed back porch. I've used all of my savings paying for getting the tree off the roof, so at least my deductible is paid. I feel that if State Farm had better trained staff, I would not have required a second inspection and I would not have water damage. Possibly, I wouldn't have lost the income from the sale of a house I cannot afford since I became divorced.

Now there is a question about the number of squares needed to roof the back portion of the roof. I received a call from the Dallas office today asking me a question about the contractor's proposal. When I pointed out that the answer was on line two of the document, the representative raised her voice and I requested that she not yell at me. She kept asking the same question over and over, so I requested to speak to a supervisor since she apparently could not understand my answer. When I answered her questions, she disagreed with me and referred to the inspector's report, a mysterious document I am not privy to and paints the whole espisode as hunky-dory.

She asked why work hasn't been completed. I got the check after 7 p.m. on a Friday night, it had to be signed by my loan officer before insurance would release the funds, and the bank puts a 5-business day hold on all insurance funds. I didn't get the whole explanation out though. I asked for a supervisor and was told they were in meetings and unavailable until later. I've never filed a claim before, and my fervent prayer is that no one else has to go through this just to get what was promised in her insurance policy.

In September, 2008 we had a massive storm with winds in excess of 70 mph gusts. Our roof did not have any shingles missing so we did not know it was damaged. However, upon further inspection we found at least 20 to 25% of our shingles are completely loose and no longer have their seal. Obviously the shingles have not unglued themselves. The majority of the loose shingles are in the front of the house, directly in the path of the wind. This was a substantial storm and also took down 4 mature trees on our property.

We contacted State Farm and they sent out a claims adjuster. The first adjuster said she would only pay to have the shingles reglued down. We contested that. State Farm sent out another adjuster and this adjuster said there was no storm damage to their guidelines. He has said they will not pay anything on our roof claim. We have had two reputable roofing companies come out and both of them have said the roof is damaged and needs to be replaced.

They have agreed the damage was from wind. We do not know what to do next. We called Owens Corning and the shingles are only guaranteed for 60 mph winds. We have been customers of State Farm for over 10 years now with no homeowners claims prior.

Since hurricane dolly Statefarm has helped me with most damages to repair my home. I dont know how many times i have sent documents to State Farm in Florida, one agent tells me one thing and then other agent tells me other. I am still waiting for claims. Please help all I wsnt is to fix my home for a better enviroment for my children. Thank you

I have 2 reputable plumber's opinion that it's rare for this to happen so soon and that they think they banged the water heater around bringing it up 38 steps..There's glass inside...I would prefer to use my own plumber, but they didn't even offer to replace it...my son called state farm and all tech and they are now lying to him and telling him that I was abusive on the phone and don't want thier service...All the appliance work state farm issued to them had to be redone...They also left me with no heat and told me I had heat All I want is for this to be resolve the right way...They should've been right here replacing the appliance

at least 1500.oo in damages including the water cleaned up and treated for mold

In August 7,2007,I Had a kitchen fire that occurred at approximately midnight I had my sister visiting from Wichita Falls, my daughter and granddaughter live with me, she also was visiting with a friend they were sitting outside on porch swing when they heard fire alarm. My daughter's friend called fire departmemt. The firemen could not find where it was they used an axe to break cabinets The Fire was from an exposed wire behind electric stove. I called State Farm Insurance next day I had cleaned up after fire department. Insurance Adjuster came out. Mr. M and he called Serv pro to clean, He called hotel for my family and I to stay. He also called contractor Mr.Hector T to do renovations of fire damage. I moved into hotel room Mr. M had arranged for us.

A couple of weeks passed and contractor had not started work. I questioned the reason and was informed they could not find someone to work on Air Conditioner ducts that had smoke damage. I called Richard Air Conditioner Service, He has been servicing the Air Conditioner in my home for over seven years and asked if he was available. He was and I gave contractor His name and telephone number. Mr. P was the foreman in charge of renovation informed he had called Mr. T, From Hampton Homes, and for some apparent reason was Mr. P (foreman) was told Richard Air Conditioner Service that had serviced Air Conditioner Units in my home for years was out of the question.

Two weeks later they started breaking walls and removing Air Condenser and outside unit. Mr. P and Mr. T assured me State Farm had approved the removal and General Air was to come in and replace Inside unit. three months passed and I was told I could move back in. I came in and developed horrible headache, my eyes were bloodshot. There was a loud noise coming from wall. I called State Farm. I moved back to hotel room. Consequently, I called Richard the man that had serviced my Air conditioner for years and asked him to come and investigate noise. He basically told me work that was done by General Air was badly done.

I continued to call State Farm to report that there was no Fire Survey, there were no permits of the work that had been covered behind walls had not been inspected by State Farm, or the City of Corpus Christi, I repeatly called Mr. L That had been appointed to be the adjuster. I called Mr. Scott K Wrote letters. Mr. Hector T from Hampton homes Called insisting I sign that I approved the He came by in the middle of the night asking i sign. I continued to call State Farm after finding that there was no permits and that Great Air had been Red tagged.

A week passed and State Farm called and Chris L the adjuster informed me I had to let Great Air come in to repair what was on red tag. I continued to set an appointment to let them in. When they came to my door and I asked what they were to repair. A couple of repairman, Mr. F and Mr. V which did not have License for that kind of work told me whatever was on red tag. When I asked what was on red tag, neither one of them knew. I dismissed them. Basically I told them if they did not know what they were coming to do I certainly was not going to let them in my home.

I would greatly appreciate your assistance with my situation.

My house burned to the ground Aug 15th, 2007. I was the only person at home and it was early morning while I was sleeping. My husband was away on a job. My daughter and her husband with my two grandchildren lived with me because my health was not the best , so they had moved in to help to maintain it. The children had already left for school and the others to work. They never wake me in the mornings so I know they had to leave at around 6;30.

The alarm never went off and when I awoke the house was engulfed with smoke. I went out my bedroom window. We lived in a rural area and by the time I was able to get help it was much to late.We lost everything. It was a 1960 sq.ft. home.We were all devastated.

State farm was contacted that afternoon and they prceeded to set us up in a local motel. The next day we met the claims rep. Kenyon Nelson who gave us a check for $5000.00 .

At that point I really thought that they were going to take care of us.

I can't complain about paying the mortages off. That was all great , but when it came to our contents, that was a different story. Now I may be off a little on exact amounts but the outcome was still the same.I had replacement cost. But I guess I never really understood what that meant.

I had $157.000.00 on personal property.
The hardest thing I have ever had to do was to try and remember what everyone of us had.

Kenyon told us to make a list of everthing, but he never was clear to us about how replacement cost worked.

Now it becomes our word against his. He says he went into complete detail about it and Out of $157.000 we recieved $54,000. We Finally did get an extra $14,000. after coming up with reciepts.

So at this point we had the papers of the contents and what they paid on our items, how much they depreciated and the remaining benefits owed to us.

So again we were told we had a year from the date of the fire to replace our items to be able to recieve the remaining benefits.

What was left owing us was $40,000.

My husband and I had decided because of our age and our health not to rebuild.

But we spent a year trying to replace necessary items for us and our children with what they had given us prior.

As hard as we tried there was still no way we could come up with $40,000 in receipts. With all of us and the economy the way it was the most we were able to come up with was $17,000. So by the time we turned them in we were really upset because we know we weren't getting what was owed to us, but we knew there was absolutely nothing we could do about it.

It took Kenyon 2 months to go through everything and a couple of weeks ago he said it was ready.
But the check was for $2,300 because we had not met whatever?????

He said he explained it all to us over and over which never happened and it again becomes his word against ours.

So because we are ignorant of policies and the way it states we've lost big time on this. No amount of money could ever replace what we lost and now to lose what is rightfully ours because we did not understand the complete facts. But even if we had of understood , there is no way we could have replaced all we lost.

I believe they know exactly what they are doing with people such as us and they get out of giving people what is there's. So I have no idea if anything can be done but I do want other people to know how they work and how they have possibly cheated many many others with specifics that they don't explain to you!!!!!

!
This has affected our family economically, mentally and emotionally.

So if there is help out there we need it!!!

In March of this year a very bad storm came thur Covington Ga. People had very bad hail damaged to their cars, homes. Trees were down and some poeple were without light. I called my insurance company and filed a claim for hail damaged to the roof of our home. The adjuster came and we were told that the damage was from a tree that had fell on the home prior to our purchased and the adjuster denied the claim.

My husband later was on the roof and discovered that most to the damaged done to the roof was on the opposite end of roof no where near the area where the tree felled. But because we didn't know any better and took his word the claim was not paid. Recently we had another insurance adjuster come out and we were told that we did have hail damaged and the most damage area was on the other end of the house that was not near area that the tree fell. I wonder how many more innocent customer was told that they didn't have a claim so that State Farm didn't have to make any payments.

Now since the roof has gone so long without being repaired. It will cost a lot more than what it would have costed had the State Farm adjuster done the proper and correct thing in the beginning. We pay insurance preminum every month and the one time that you need them, They SCAM the customer.

10-05-07 my home was vandalized. My furniture was distroyed,, spray paint all over my walls, cabinets and floors. My dog was poisened and the house was a total disaster. State Farm sent out an adjuster who assured me everything was covered and all would be well. My furnishing and artwork were very expensive and some were custom made. The adjuster who came out to my home told me to go and locate some furniture and place the order inasmuch as it would take quite a while for it to completed and the order to be filled. I made the selections and put $20,000.00 out of pocket to order the furniture as I was insructed to do.

In the mean time State Farm changed adjusters. I called the new adjuster to inquire as to where to present the receipts for payment and he asked why I purchased the furniture. I responded that the adjuster instructed me to. He then said "did you get that in writing". I could not even speak to him, my assistant had to take the phone and finish the conversation. 20 minutes later I had a heart attack and was rushed to the hospital. The story goes on and on and I am still trying to get my house completed, 5 adjusters later. State Farm is the most deceitful and un professional company I have ever dealt with. They treat you like you are the criminal. I was not only vandalized by the criminals I was again vandalized by State Farm.

I have a history with State Farm Insurance as I was a victim of Hurricane Katrina when my house flooded in Metairie, Louisiana. It took over 1 1/2 years to finally settle that claim.

On September 1, 2008, during Hurricane Gustav, a 75-foot oak tree fell into my home causing severe structural damage. I have received a total of three estimates from local, licensed contractors estimating damages well over State Farm's offer of $29,000 and with the deducible subtracted, they sent a check for $21,232. The field adjuster for State Farm consistently has refused to acknowledge my telephone calls, even though his voice message states he will return calls within 24 hours. I have requested multiple times that a senior adjuster come to my home, and none have even contacted me.

I filed a formal complaint with the Lousiana Department of Insurance on October 6, 2008. I provided detailed information to them from a journal I have maintained since placing the claim on September 1st at 8:30 pm. I also have over 300 pictures of damages.

Within the same work week of filing a formal complaint with the Dept. of Insurance, I received a call from an agent in the State Farm Claims office in Dallas, TX. I was asked to fax in only the estimate for the contractor I wished to perform the repairs. I was told then a team leader would call to schedule an appointment with me and my contractor at my home. I did what was requested on October 8, 2008. I have consistently been following up with telephone calls, but was told no adjuster had been assigned yet for the second inspection.

My last follow up call for a senior adjuster was October 16th. Then suddenly on October 17th, my contractor called to say a State Farm adjuster called him to schedule an appointment to meet at my home on Friday, October 24th at 10am. When he told me the adjuster's name, I was shocked. It is the same adjuster that had performed the first inspection (the one who never returned my calls).

I immediately updated my complaint with the LA Dept. of Insurance. I also called the State Farm Claims office in Dallas TX who had assigned this adjuster. I asked for a coporate address to mail a formal complaint. I was told there was no corporate address for complaints, and all complaints were handled verbally. I was transferred to a supervisor who confirmed the verbal complaint process. I filed a verbal complaint, then asked for the name of this adjuster's supervisor. Imagine! No name could be located in the system, but I was assured that an electronic complaint would reach the adjuster's supervisor. I feel strongly that State Farm is intentionally ignoring me in an effort to extend this matter so I will not pursue this claim to completion.

Not only am I a victim of two hurricanes, but now I am a victim of discrimination by State Farm for having two hurricane claims. It is devastating enough to have to suffer these losses, but State Farm is adding insult to injury through their harrassing and discriminatory practices.

My home was burgalrized and burned down. Neighbors witnessed indiviauals leaving my residence. I was working on my house(painting,spackling,sanding) so I had my wife and two kids under 2 yrs old stay with my inlaws. Once the arson was looked at state farm they stated they have to investigate. Its been over a month. Statefarm also stated since we were gonna stay with our inlaws anyway that they will only give us $800 a month for a family of 4 and 2 dogs. We stated we need a rental place at which time they are denying the claim.

We have been treated as criminals by state farm who is doing everything possible to avoid paying for the home to get rebuilt and for my family and I to get a temporary home where we can all fit.

Stress with my wife and children. Fighting with the inlaws and arguing with statefarm. Unable to sleep through the night due to Statefarm taking there time on getting the home inspected to get rebuilt.

9 14 08 75 + mph winds actually blew through Cincinnati,OH due to Hurricane Ike. Much damage was done to many homes. My roof was totaled. Claim was filed with State Farm that very day. I have been with State Farm for over 25 years. Took 2 and 1/2 weeks before an adjuster came out and then another week before he told me what they would cover. My temper tandrum is what even got them out to begin with. I called 14 roofers including those they suggested. Only 2 came out to give me bids as everyone is booked. Bids are coming in at 19,000+. I have full replacement policy for wind damage.

State Farm has agreed the roof needs to be totally replaced but only wants to pay $10,500. I have now gotten him to reaccess this and we are up $2,000 more. Still not enough to fix my roof. How can two bids be so close in price and State Farms Adjuster be almost 50% off. Here I sit....25 years of paying premiums with blue tarps on my roof almost a month after the storm-right before winter moves in and no settlement nor roofing contract signed.

9 14 08 75 + mph winds actually blew through Cincinnati,OH due to Hurricane Ike. Much damage was done to many homes. My roof was totaled. Claim was filed with State Farm that very day. I have been with State Farm for over 25 years. Took 2 and 1/2 weeks before an adjuster came out and then another week before he told me what they would cover. My temper tandrum is what even got them out to begin with. I called 14 roofers including those they suggested. Only 2 came out to give me bids as everyone is booked.

Bids are coming in at 19,000+. I have full replacement policy for wind damage. State Farm has agreed the roof needs to be totally replaced but only wants to pay $10,500. I have now gotten him to reaccess this and we are up $2,000 more. Still not enough to fix my roof. How can two bids be so close in price and State Farms Adjuster be almost 50% off. Here I sit....25 years of paying premiums with blue tarps on my roof almost a month after the storm-right before winter moves in and no settlement nor roofing contract signed.

on sept. 14 received wind storm. tore off barn roof called in on sept 15 to report damage received. call a few days later 7& RECEIVED CLAIM #. said adjuster would be in touch. still haven't heard from him. have left 5 messages. how long do I have to wait?

i put a roof on barn to keep out weather & rain .hay & other stored items geeting more damage.

I have had State Farm Insurance on my auto for 6 years now and never had a claim. On Aug22nd 2008 I switched my homeowners over to State Farm and on Aug 27th 2008 we had tropical storm Fay come through with hail and wind and it did roof damage to my home. I put in a claim and here it is Oct 4th 2008 and still waiting for a adjuster to call me or come to my house and State Farm has cancled my home owners insurance. They letter they sent me says do to total loss of roof!!! How do they know it is a total loss when they have not been out to my home. They did refund my money but I have less than 20 days to find insurance now.

Roof still not fixed and we have had 2 more storms come through scence I have put in my claim!!! What are my right????

I asked for an insurance policy on my rental dwelling. I was quoted a price of $250/year on a $100,000 policy with $250 ded. fire, ext coverage, liability, etc.

I got the policy it was for $165,000 and 1000 deductible. Price was also twice what I was quoted ($500). I asked to have the policy cancelled on or about 8/25 and get a refund.

Have not heard from them.

I contacted State Farm for a renters policy for a townhome I began renting in January of 2007; as I have been a long time State Farm policy holder. I purchased a policy sufficient to cover my contents. I was not informed that a renter could purchase flood insurance as I had for my homeowners policy. On September 12, 2008, Hurricane Ike flooded all of Bridge City Texas due to a storm surge. I am exceptionally upset to know for my 19 years of payments of car, homeowners and now renters that State Farm would decline my claim. It is the job of your State Farm Agent to educate the policyholders the difference and options or riders avaiable.

I have lost all furniture for the bottom floor of my townhouse. I spoke to my current agent (transferred file due to marriage to combined with spouse) and she told me flood was a separate policy that would cost an estimated $105.00 a year. I currently have flood on my home and would have purchased it for my townhome had I known that was an option.

My wife lost the dimond out of her weding ring so we turned it in on our homeowners insurance. Luckly she had the ring appraised about a couple of years ago and it appraised for 4000.00 dollars.

We sent the appraisel to the insurance company and they said they would only allow $1500.00 and $500 of it is our dedutable. This cant be right they pulled the same game several years ago when our house was hit by lighting. I am determond not to let them do it to us again. What can we do?

There was a water leak in our Kitchen an adjuster was sent out. They hired a contractor that does not to my knowledge have the credentials to proform a water extraction. This claim was filed on Sept. 4th there still has not been a resolution when I call and ask for information regarding claim no one has any information. Moisture readings. Extent of damage when our kitchen will be restored. Why a certified company was not called emergency service bill. The kitchen is still a mess. I have two small children.

I have photos and this has not been resolved so there is not a total cost at this point.

I reported a roof leak on July 23, 2008 and damage caused by the same. A representative was sent by State Farm and the agent Kevin Ragsdale, looked at the roof from the ground (never went on the roof) and told my wife it was a wear a tear problem and the insurance company would not pay. I contacted Elizabeth the claims representative who sent another representative Kevin Jasmine who did go on the roof for approximately 5 minutes, came down and informed me that the leak was a wear and tear problem.

Niether of the reps went into the attic or checked anything on the roof. All they did was give a visual inspection. I had three roofers come for an estimate and was given prices anywhere from $21,000 to $38,000. All roofers said the damage was not casued by wear and tear but by water accumulation casued by winds and rain which caused the leak. In addition during hurricaine Wilma three years ago, I had a pool sceen room and large tree branches land on the roof at which time the State Farm representative said we would not be covered.

I believe that State Farm is committing a RICO Racketeer Corrupt Organization Act violation by representatives conspiring not to pay for the replacement of the roof and collect the $6,000 annual premium payment I make. I understand that State Farm has been denied huge increases by the Florida government but for them to deny legitimate claims is a crime.

I will now be forced to pay for the roof to be replaced as well as the interior damage as State Farm has authorized me 8,000 when estimates to repair the interior damage are closer to $18,000. By the way, damage continues as I try and arrange a loan for the repairs. Until I get the roof replaced, i will be unable to change insurance companies. Any help is appreciated.

We just went through Hurricane Gustav and then Ike. I called my agent to see if they reimburse for evacuation costs and loss of food items. She informed me that State Farm does and that I can file a claim. She was very helpful and I appreciated the information.

Well...when the adjusters FINALLY did call me I got the rudest person I think I've dealt with in a very long time! She basically laughed off the fact that I was making a claim. I have never made a claim before so I was unsure of the procedure. At which point...she offered no help and just started grilling away! I answered every question she asked...every question was welcomed with a scoff at my expense....questioning everything I said!

Basically, she said I was lying about the evacuation order...which was mandatory and I should have waited to leave so that I could sit in traffic with my one year old daughter. Also, that I should have returned home as soon as the storm was over to no power...no food...no water, etc. She thought it was absurd that I would stay away until we had power and it was safe to return. I was in tears by the time we hung up!

I am currently looking for another insurance company. State Farm needs to change their slogan...because unlike a good neighbor...they are anything but there!

Our 1990 mobile home was damaged by Hurricane Charley and Frances in 2004. Parts of the roof were torn off and the ensuing rain caused water damage. Also, we had no power for a week, so all our food perished.

Adjusters from Texas came to check the damage and decided that with depreciation that they only owed us $29.00 plus $200.00 for our loss of food. We finally had to repair the roof ourselves. With what we had paid in premiums for over 10 years, we could've had several new roofs.

I was told 3 days ago from a telephone worker that a state farm agent would contact me regarding a freezer I had left on as well as the refrigerator I left on, hoping that the evacuation period would nly be a couple days and also hoping that we would not be without power more than a couple days. Obviously that was not the case as we were without power 8 days. Everything spoiled. When the power came back on we had to unplug the freezer because it became extrememly hot on the outside and did not fuction properly. I received a claim number after giving specific details to tele operator.

I checked via phone with state farm in thibodaux, la where my renters insurance was acquired. I was told that there were no details given to them. I was extremely angry when I was told that there was nothing they could do for me. EVEN WITH RENTERS INSURANCE. I acquired STATE FARM RENTERS INSURANCE to avoid standing in line with 6,000 other people in the heat for ten hours to get a disaster food benefits card from the state. I have USAA for my auto, but always supported local ins at PCS locations when renting. All my fellow mil members just call USAA explain the situation and USAA then sends the reimbursement for renters insurance food spoilage.

It simply amazes me that STATE FARM advised me to DETAIL EVERY ITEM OF FOOD THAT WAS SPOILED!. Imagine the circumstances of our area and hurricane evacuation, put yourself in it, with downed trees, a hole in the roof that the landlord deems unimportant and asthma attacks from the wet celing attic fumes, spoiled food disposal, home clean up, job attendance, bill attendance and you tell me if I should advise you to WRITE DOWN EVERY BRAND TYPE OF VEG, MEAT, DESERT, ETC. AND VALUE OF EACH ITEM.

I am hoping that the local ins rep has made an error in judgement, else I will no longer be a state farm customer and combine all insurance and be fully protected from this kind of incident (which is the 3rd time) from happening. all food spoiled. hurricane gustav. state farm renters ins customer, but not for long.

I've been robberd now going on 6 days and I just got a call from State Farm yesterday after calling at nleasrt 7-9 times and day and talking to a machine

I am unable to close my outside door - I am 70 - I livehere alone - I pay for a 500 deductible and [they] have been charging me. Do you think after now 8 days someone can come look at this damage.

We filed a claim On Dec 19, 2007 today is Aug 23.Just received a letter denying our claim.

As of now our family is homeless and dont know if my attorney is going to face them

We had a bad year. But, everything had to be special investigated and we passed the investgations. But, guess what ? After being a loyal customer for along time and paying our premiums, SateFarm was only there for us after we passed their investgation trying to prove us at fauly, they cancelled us.

Our home burned on 7/3/08. I have 5 children, 2 who are on SSI disability for immune diseases. We lived in hotels up until August 1st. The adjuster was a nightmare from the beginning. Telling us we didn't have hardly any contents, that the walls could be painted. We would be home in 2 months. Its been 6 week and the house hasn't been touched. The first est was $53,000 who we later found is a friend of the adjuster. The other 4 estimates we received were all between $93,000 and $101,00.

But, the adjuster states he will not pay over $53,000. No one can do the job for this price. Not even the guy who wrote this estimate. We went over his calculations and he has even calculated wrong. If he could do the job for this, fine, but he doesn't have the windows. floors, heat and air unit, even LABOR costs on this est. The adjuster refuses to budge. HELP!

We had to eat out with 5 kids and 2 adults for 4 WEEKS. They gave us $1000.00 in the beginning for clothes and food. 7 PEOPLE had to eat and buy everything (clothes, toiletries, food, etc) Then they gave us another $2000 later on , but that was to put a down payment on a rental house. The adjuster states the $3000 will come out of our personal contents money! I have seeked medical attention for anxiety, depression.

My husband and I are at each others throat because we are struggling financially, but mainly because we are being treated so awful. 6 weeks and my house is just sitting there. The adjuster states for pictures and anything sentimental, they don't pay for anything but the cost of developing pictures. What about my babies pictures and art work. Why do I have to just DEAL with that?

When we got the paper work he had held another $1000 out for the deduction. That make twice it was taken out. I believe I paid a $2000 deeduction since a $1,000 had already been taken out. It took several months for them to look at the roof. What they paid after the second time they took $1000 out it was not enough, so all the work is not finished.

hail damaged roof I had 4 reputable roofing companies tell me i needed my roof replaced. state farm claims dept sent a young female adjuster (recently completed her training program) with no real understanding of a hail damaged roof she tried to claim all the hail damage was blisters & not hail damage. The state farm insurance Co offered to send me %3,000 payment to fix or repair only. the 4 roofing companies advised me the damage was too extensive to simply repair my roof & it needed to be replaced.

the assoc inside the Dave Turnbull overland park, ks state farm office kept apologizing to me about the way i was treated and advised me to go to arbitration i filed claim with the state of kansas insurance commissioners office they will get back with me within 10 days. To date I have received a check for 492.34 from State Farm .

My claim was filed as of 5/01/08 it is now August 08/05/08 I have consulted an engineer who is also an independent insurance adjuster who advised me to file claim with the state go to arbitration and he will go with me. No one should have to go thru this to get a claim honored by their insurance company. I am so distrusting now that is a shame.

my ceiling it getting wet! my trust is broken & frustration is building

About 16 ago when a tornado hit our town, we suffered well over $10,000 of broken windows, dented cars, damaged roof, etc. The repairs were completed within a week or so, before others in our area even had an adjuster out to estimate the damage. I asked Mr. Ray how he took care of us so well and so quickly. Mr Ray replied that the company had people watching the storms' progress and that adjusters were being sent out before the storms were over. In addition, Ron Ray's office is very easy to work with. They are well organized and will take credit card payment over the phone.

I had a hot water heater break in my rental property that caused over $6,000 in damages. State farm denied my claim. First they denied my claim over the phone because I used the word leak. I asked them please to come out. Then they said they were denying my claim because of mold.

I continued to press saying they should at least cover a portion because no matter what the case was there was definitely water damage. Then they denied my claim saying my water heater was rusted. I have been trying to sell my condo. Now I have over $6,000 in damages to get fixed and insurance is saying they will not cover.

I am renting my house to my daughter and her family. Winter before last, the back fence blew down from strong winds. I called my insurance company, althuogh after talking to an agent, I decided not to put in a claim and pay for the fence, which came to $1,600.00. A few months ago, after having a new dishwasher installed in the kitchen, a hose came loose and water went under the cabinets. The dishwasher sat lower than the floor, so it wasn't until the floor buckled that the damage was noticed.

I had hoped State Farm would pay a portion of the repair bill. I called them and they kept referring to my fence blowing down as a "claim." It wasn't and shouldn't have been called a claim. I told them that I did not submit it as a claim and I didn't ask them to pay. The completely discouraged me from submitting a claim for the dishwasher that caused the damage to the cabinets and flooring.

I never submitted a claim, yet I'm sure that the second time I called them was another claim. I am changing insurance companies. Back fence blew down and had to be replaced. New dishwasher was installed wrong and water poured onto floor. It went unnoticed for a few months, causing extensive damage to the cabinets and floor. I have to replace the bottom kitchen cabinets, sub-floor and floor covering.

In all, State Farm has insured five homes, two of which I still own, and during these past 40-years had NEVER one single homeowner's claim, until June 8, 2008.

On June 14, 2008, two adjustors came to my second home which. The main adjustor, Deborah, said she was not used to handling these kinds of claims (had come up from Jacksonville, probably because there were so many flood claims, etc.), so she said another colleague would be joining her. I should have thought twice, when they arrived and as I was letting them into my garage, Deborah, said "I could leave and if they needed anything they would let me know!"

During the course of their visit, they told me that if they could not locate the siding or MATCH it or the color, I would receiving new siding [on the entire home]. They then said I would be receiving new soffits, facia and gutters for everything except the back of the home. I asked why, to which Deborah replied that there was no damage to the back. I said the new gutters, etc., will not match the existing and the home will not be "even." Deborah replied that no one sees the back when they're looking at the front and State Farm doesn't cover it.

The tree along with four other birch trees it took with it, had been removed by a tree removal company. I told the adjustors that I needed to have the remaining stumps chipped and that landscape damaged reonde. Deborah replied, State Farm does not cover stump chipping or landscaping. I guess it's my problem that God decided it was time for the tree to fall into my garage and be removed, but I would pay for the chipping and landscaping. Deborah was very quick to complete her estimate and send a check for one-half of the estimate made payable to me and my lender, even after I told her not to becase I would have questions upon reviewing the estimate. Deborah responded --as she usually did-- this is an on-going claim and if a provider determines extra work they can let us know. "This is not over," she said.

Upon sending the check to my lender, CitiMortgage (I currently have two mortgages and one equity line with them, and been banking with Citibank since 1979), they informed me that paperwork would be required and they would reimburse me for 1/3 and when the job was 2/3 complete and they performed an inspection I would receive another 1/3 and at 95% completion, they would make a final inspection to ensure the work is done and provide the remaining 1/3. Please know that Citibank requires all providers to sign a waiver of completion and words to the effect that the provider won't sue CitiMortgage BEFORE they pay. CitiMortgage then write checks payable to me and the provider. I've never been later with payments and the subject home is worth twice was I owe the bank. Just another little complication.

The same builder who has done work for me before, provided State Farm with an estimate for him to side the house because he said the 20-year old siding (my home was built in 1988), was no longer available, and he would provide the soffits, facia and gutters. Also, of the four builders to which I gave the State Farm estimate, they all said State Farm's dimensions were incorrect. An example is Deborah stating my garge is 8 feet high when it's 10 feet.

Roughly 10-days ago, Deborah called to tell me she was headed back south and a new representative, Calvin B., would be handling my claim. She also had great news -- they found my siding! I said how'd they do that, my sister had hail damage last year of the exact siding and it was completely replaced. She said their expert went to a supply company who is able to obtain it. I asked how they matched the color, she said with a picture she took. Come to find out it's the same supply company the builder I plan on using purchases from and he told me that Alcoa can produce this 20-year old siding and they call it a "Dream Color" process, but it will never be an exact match. I then called the supply company and they in essence said the same thing that there's no way it will ever be a perfect match and with fading, etc., and it's the insurance company's way to save money. I then called my new rep Calvin and said this was unacceptable that there would now be two different shades of color that State Farm claims is a match, and Calvin said State Farm's policy doesn't cover miss matching. I then said are you going to paint my home then so that it's even, and he said no the policy doesn't cover it.

I then called Ed C., my agent since 1969, whom I have stayed with regardless of the fact I've moved away from his office. He just happened to be in the office which is now run by others. He said he would call corporate and try and find out "their policy" on this. He called the next day to say, sorry, but if they say they found the color that I'll only be receiving siding for what they feel needs to be replaced whether it matches or not. He wish me "good luck!" He said I could take it to the president of State Farm if I wanted. I told him I would.

The one side of my garage is directly in the same line and continues with the house. If some of the siding is replaced it will clearly show. State Farm is covering approximately $4000 of siding for what is about $10,000 to side the entire home with new siding and make it even. I plan on writing to my family, friends and clients inquiring as to whether they have ever had State Farm pay for an entire home to be sided and instances of other insurance companies who have sided homes.

I will encourage everyone I know to read their policies carefully and ask questions. And tell them to review the Fight Bad-faith Insurance Companies. I am a realtor who has suffered financially from the housing market and do not have extra money sitting around to pay the difference so my home won't look like a patch quilt. I will definitely be on the lookout for a new insurance company.

Claim Check Was over 10,000 dollars so it was made out to Indymac Mtg, my husband & I. The $10879.00 check was signed by my Husband and I sent to Indymac Mtg. Indymace bank went under State Farm will not cancel this check.

We need this money to recover loss from flood/diaster damage to our house. They will not cancel this check and reissue it to us. We paid the premiums. Where is this law that says we cannot have a check if it is over 10,000 dollars? No one will help

In the month of Aoril, I made a personal vist to [State Farm] agent, requesting in the correting of a errow made by State Farm on my flood insuramce, it was inaduquit, amd informing him of the change of my home owners policy, insurance company. This man was a muli task person, so he had difficuulity talking on the phone , to my morage company, cheking on=line information, and paying attention to what I was trying to inform him. He gave me the impression he had everyting straightened out, so I let assuming my task was complete.

WRONG, I just foung out nothing was done State Farm still was bill for home owners insurance, and my flood insurance was still inadquict, and I now have higher morage payments, because of agents errors. I do not feel I should be paying for agents errors, lack of lessioning, nor doing as requested. Do I have to go on [their] agents computor in get my request compelted timly and correctly?

Paying for the error of [their] agent though higher morage payments

In February of 2004 I had a water heater in my attick that burst. State Farm came out and inspected my home and denied the claim. I had the denial letter reviewed by an attorney friend and he looked over the top of his bifocals and said, your insurance company is attempting to commit an act of fraud on you. Their stated cause for denial is actually a covered item in your policy. I informed State Farm of this and they magically agreed to cover the claim. In the process of replacing items damaged in the initial water heater leak, we found a lot more damage that was hidden behind the ceiling and the walls. State Farm hired an engineering firm to inspect my house and then sent their engineers to the City and they asked the City to red tag my house.

State Farm's adjuster said we can't process your claim until we get an answer from he City on a code issue. This turned out to be a deliberately false and misleading statement designed to cause an unnecessary delay in processing my claim. While we were waiting on this fictitious event to settle my claim, I was hit by Charley, Francis and Jeanne. State Farm's little scheme backfired. State Farm claimed that their was confusion as to where the damage of the original claim ended and the new hurricane damage began. I told them it was immaterial because the house was a full loss.

I was then sued by State Farm to go through their appraisal process. I later found out that this is a tactic they use to control their exposure to legitimate claims. Their appraiser agreed with our appraiser that the home was a total loss, but State Farm's executives over ruled this decision. State Farm did not agree with their own expert's opinion arising from their own appraisal process which they forced me to participate in by suing me. They cut off my additional living expenses, even though my house was not habitable and then delayed the settlement by using the afore mentioned farce.

It has been four and a half years and we are finally set to go to trial. I am looking for any stories from people who were victims of Charley, Francis or Jeanne or any stories that involve mistreatment and misconduct by State Farm. I am also looking for any State Farm employees that are willing to provide any information on the specific instructions by State Farm's management to deny, delay and underfund legitimate claims in the state of Florida or elsewhere. Any information that sheds light on the altering or manipulation of engineering reports or general tactics used to frustrate the insured and cause an unfavorable settlement for the insured would also be helpful.

I have lost everything I once had set aside for retirement only to learn that State Farm has been playing a game with me from the very beginning. Thank you, and good luck to the rest of you who understand all too well how damaging and frustrating this process is.

Full Loss.

The insurance increased my policy by 145 in one year no claims have been filed in the last 10 years. I have been with State Farm for the last 21 years. The increase in my homeowner and the letter explaining the increase were in the same envelope. The damage resulted will be the increase to my policy of my home owner and auto policys, when times are already rough

i have had state farm auto/home since 1955. they took a 12 year period and i had 6 claims. 5 small claims from electical surge on line which was caused by my local electric service and one time the electric company admitted fault and paid. the the 6th time was a tornado in 2006. this is 2008 and i just got my cancellation letter. i have complained and they will not cancel me if i agree to a $2200 deductable. this is an insult. 58 years of insurance and less than $20,000 paid on premiums and i pay them about $1800 dollars a year for my insurance.

property. Other insurance is in question.

We are customers of State Farm since 1989. I filed a claim for water damage on 2007 with State Farm. (Veterans day weekend) On November 12, 2007 a man knock very "hard" on the side door of the garage with his hand, not the front door ring bell. My elderly mother and I were eating. (My mother is an elderly lady of 79 years of age, recovering from a schematic cerebral stroke, presently a home health agency comes everyday to help her with all ADL's. she is not a good candidate to be subject of any mental or physical stress by Doctor's orders). I open the door and this man said, I am a State Farm employee, my name is Daniel G, I came to see the water damage. I said why didn't you make an appointment, you all make appointments, we're eating can you come back, he said no, because I was in the "area" and he insisted that he wanted to see the water damage.

I said o.k. and went to get the keys and open the door to the back yard and took the man to the back of the house. Back there he was watching the roof and wall and he said why didn't you bring the "roofers" that I told you to bring? I said because that is against the law and I can bring who ever I want by law. this got this "dangerous lunatic" very, very upset and he started saying in a very rud manner kind of almost shouting at me, well! then if you don't bring our "roofers", that I told you to bring, I wont pay you the claim, to what I said, I am not going to discuss with you this matter anymore. I will discuss with State Farm this payment and please leave the property. The man got very upset and called me "c--" and turn around and started walking towards the garage and I said what you say? again said "c---". I told him to leave the property or I will call the police and State Farm.

He didn't care and he called me again the same vulgar word in spanish and called me "!#%", he started to call me these vulgar words inside the garage several times before leaving and then he put up his "fists" up and started physically threatening me, challenging me to fight him saying in sapnish.. I got my cel and told him, I am going to call the police and State farm if you don't leave the property immediately. I said nobody is going to offend me and my mother. The man left in his car. My elderly mother was watching through the garage door and listening to all these serious offensive insults in spanish and she got very sick.

I have submited to him and to State farm , police reports, medical reports of what happen to my mother due to this incident and to no avail.

My main sewer line required replacement of 16 feet of pipe. The bill was $9,250. State Farm came out to my house and offered me $250. I told them to keep their $250 since accepting that money would have ended my claim. I plan to get legal advise on this matter. I have made one claim in 15 years. This is grosely unfair. I think State Farm calculates that most people will just lay down, I am not one of those people. I almost feel sorry for the people who work there. The people were very pleasant to deal with, the policies of State Farm are not fair. I am not greedy, if State Farm had met me halfway and paid half the bill, I would have accepted that and moved on. But $250? Do I look that dim?

Our home caught fire on April 20th 2007. We lost everything. When I first called in to make the claim I was told we could go pick up a check for 200$ to buy personal items and clothing until the insurance adjuster could come out to survey the damage. What a joke- what is a family of 4 going to do with 200$ to get through until an insurance adjuster could come out.

After seeing the adjuster I was quite positive on how they were going to deal with the loss of our home. As far as the home goes-they were great in terms with paying that out. with the personal property what a joke! After spending days in a burnt smelly house going through every item lost and making a list-which I am sure is so good for your lungs to breathe in! It took us a few months to finally finish the inventory list and turned it in.

Now I remind you we had 100% replacement cost. I get a phone call from the fire claims office in nebraska stating that each item would be depriated and paid out after the depreciation value-but if we replaced that item we could then turn in our reciepts and they'd pay us any remaining balance on that item. She also stated they no longer payed you 100% on the coverage you had on personal property.

What a joke! It wasn't that way when we signed up and paid them for the past 11yrs. She stated too many were taking there money and buying yahts or whatever with the money instead. Excuse me, isn't that our right? There was alot of things in my old home I wouldn't replace again-oh but then they get to keep that money and make a profit off of your loss.

Then I find out I only have 2yrs from the fire date to replace every item-ok it took me 11yrs to accumilate it all. If they want me to replace every item lost-then pay me what that inventory list totaled so I can, instead pay me 1/2 then say replace it all on your own within 2 yrs. WHAT A JOKE! there are items you cannot replace but yet they depriated the value of it. Baby photos,baby albums, family heirloms, wedding dress, wedding rings. they all have sentimental value-they gonna pay me for that? I can't go back and have my kids again-sorry state farm! I don't plan on making a big stink until I am paid in full! They can pay my family for the hell we went through afterwards and my kids dealing with losing it all! it hasn't been easy and my new home still isn't completely furnished yet.

State Farm has dropped my homeowners policy after 16 years with them and no claims. They say there is too much hurricane risk. I am at the dead end 2 blocks away from the ocean and higher up than sea level, not at risk from the ocean flooding. My zip code has other properties at risk and they must not be able to look at homes on a case by case basis. Can anyone help me?

My friends have had to insure their homes through Lloyds of London, for many more thousands of dollars. mercy!

On May 19, 2008, my home was burglarized of various items and my 2003 Jaguar was stolen out of my enclosed garage. The car has since been found with damages.

My problem is that State Farm is considering this two (2) separate claims or incidents - one being under the homeowner policy and the other being under the auto insurance policy. When I question State Farm, they said that I must pay $250 homeowner's deductible and a $500 deductible for auto.

My vehicle was not in the driveway nor was it parked on the street, it was secured inside of the house and I would think this would fall under the homeowner's policy.

My family and I (my husband, myself, and my four daughters) were hit by an f-4 tornado that ran through missouri May 10th. It took half our house as well as moved it off the foundation about two inches. About three days after the tornado State Farm came out to look at the damage. He glance at the house and said it was fixable and we should get an engineer out to review the damage.

We hired an engineer with excellent credentials $500 to come out to the house. He looked at our house at every possible angle. (we have a copy of the report) He reported that our house is a total loss. Our insurance adjusters decided they wanted to meet with the engineer at our cost. They met at our house and the insurance adjuster kept arguing saying "I don't see how you can say it is a total loss" (There are pictures of how the wall and doorways were bowing and slanting)

They said it will take them about sixty days to come up with a decision. The insurance keeps stating that they are trying to make it a total loss but their bosses are the ones saying otherwise. They will not give us a straight answer. My family is homeless. We barely have any clothes to last a week we have to keep running to the laundry. We don't know what is going to happen with our house. It is causing a lot of emotional stress and mental anxiety. (We had a house fire a year and a half ago. And it is hard to have to deal with this type of thing again especially when the insurance said they will not screw us like the first company did.)

We explained that the fire was so severe that many items were burned beyond recognition. We attempted to assist her in locating some of our items.For example,she was given a gold bracelet which she issued a reciept. We also provided her with a picture that had some of the items shown. We would like to began repairs, but are hesitant in fear that she does not give us a fair settlement. Many items which were burned are still in the home.The only thing that we ask is that we recieve fair and prompt service. Its going on several months.

On December 17, 2007,our home was destroyed by fire. we recieved a check for the fire damages to our home. We had a positive experience with State Farm until it came time to be reimbursed for the contents of our home. The adjuster,Judi Bush,gave us a difficult time. She reviewed every single item which was okay with us,we understand that is her job. What bother us was when she stated that some of the items were not there. We explained that the fire was so severe that many items were burned beyond recognition.

We attempted to assist her in locating some of our items. For example,she was given a gold bracelet which she issued a reciept. We also provided her with a picture that had some of the items shown. We would like to began repairs, but are hestitant in fear that she does not give us a fair settlement. Many items which were burned are still in the home.T he only thing that we ask is that we recieve fair and prompt serice. Its going on several months.

last august of 2007, we purchased the top of the line (owens corning / oakridge pro 50 ) shingles that lowe's carries. previously we had shake shingles so we were paying a premium price on insurance. after the job was done i contacted my insurance agent and they gave us a small discount for replacing our shake shingles with asphalt shingles. they said our shingles were not on the state farm list for deeper discounts. how can a top of the line product not be listed is beyond me. i couldn't get any answers from ownes corning and state farm. so do i pay the price, redo my roof, or change insurance companies. they don't give me much of a choice.

We had a tornado/straight line wind incident last Friday about 1:15 am. I contacted our agent after surveying the damage to our home and property at about 5:30 am - I finally heard back from someone in the office who submitted my claim and asked the extent of our damages, and assured me that since part of our roof was missing that an adjustor would be calling me on Friday and they would have someone contact me that they worked with to come out and cover our roof. On Sunday, we heard from a member of the claims office that is currently in the process of being set up in our town and they again wanted to know the extent of our damage, take some numbers from various things in the yard that were damaged, and said an adjustor would be calling in the order our damage was considered important.

I don't have a problem with that, if people are displaced, they should receive help first, however, I just called today and placed a claim for significant tree damage at a rental we own, (keep in mind our own home has lost at least 20 trees in the same storm) and I was told that tree damage and removal is not covered by state farm unless the tree has actually hit your structure! So at our own home we will be looking at about 5000.00 our of pocket, besides our deductable to clean up the tree damage, and at the rental house we are S-O-L as far as the insurance is concerned and are looking at a 1700 bill to remove and clean up the tree damage.

Two years ago on a lake property we own at the Lake of the Ozarks, when a tornado came through, American Family was wonderful in working through our claim, and were much faster as far as response time, and they took care of all tree damage,regardless whether the tree had touched the structure or not. Buyer Beware - we are having American Family out for a new quote - and guess what - the agent for American Family is going to be out to give us a quote, before we ever hear from the adjustor with State Farm!

see above

On sept 20 2007, our home caught fire while my wife and I where on vacation in Bermuda. It was a cruise. By the time we heard of the fire, our ship was on its way back so all we could do was wait out the trip to see our home. Our son said the damage was severe. My wife contacted state farm and spoke with Cegies. She told my wife don't worry about a thing, they would take care of boarding up the house and get things going. So we figured we were in good hands.

We got home on sept. 23 and could not believe what we saw. Not only was our home destroyed, but Cegies took it upon herself to send out a crew to empty the contents of our home. 25 years of our life was in 30 yard dumpsters and spread out in our front lawn. There was nothing left for us to even look through. No one authorized her or any one in state farm to go through our home. When my wife contacted Cegies at state farm she told my wife they did it because of mold. I don't think we would have had that problem that fast.

Now to get to the point, that was just the beginning of a nightmare. It is now March 8, 08, and our house is still in the construction phase but should be done in 4-6 weeks. My wife and I turned in our personal property forms approxmently 10 weeks ago. Our policy is a 100,000 dollars and also replacement cost. Well, in the 1st weeks of the fire we were in a hotel. Cegies met with my wife and gave her a check for 30,000 dollars to get clothes and other things we needed. That turned out to be a big mistake.

My wife contacted Cegies because we needed to order furniture and household items and to find out when we would be getting the rest of our money. Remember I have a 100,000 dollar personal property insurance. We only sent in our things as costing 71,000 dollars. Bottom line is Cegies is now being very rude with my wife and does not want to give us the rest of our claim. Now she wants us to produce receipts for all of our personel proerty. My wife explained to her we don't have any receipts, everything burned up in the house ands what didn't, you threw away.

So here we are, 4 weeks from getting back in our home, and no furniture to put in it. By the way I am deaf and very handicapped, that's why my wife had to handle everything. My wife told Cegies that I need certain things for the new house and she just doesn't care. We need some kind of help.



I have been with agent and state farm nearly 20 years. At the time of my last interaction, I carried a policy on a pop-up camper. I had recently changed auto due to a tremendous price difference from a work related insurance benefit. Over this last winter, a crack developed in the roof due to the freezing and thawing cycle of a Michigan winter. After consulting with agent, the claims office was contacted. With guidance from him, I described the damage. After the estimate from the RV dealer came back, State Farm refused to honor the claim. They stated that this was a Maintenance issue. Since when is a cracked roof a maintenance issue? I discussed with agent but to no avail. I immediately discontinued my relationship with the agent and state farm.

The cost of a new roof is actually covered by the camper manufacturer. The shipping, which was what the claim was for, will cost approximately, $600.00

my husbands health is not good anyway and then being treated and interigated like we are criminals has not helped either my health or his

In Feb 2007 my family suffered a house fire due to a power surge from a transformer that was blown due to an ice storm and the electricity being off. What the fire didn't destroy, smoke and water from the fire being put out did. The Fire Marshall said the house was unlivable due to the smoke damage as this was an electricial fire inside the walls. We called our agent and turned the claim in. A couple of days later the company sent out their rep. who was very unfriendly and wouldn't work with us and then they assigned us another agent who was no better.

At first they seemed polite, and eager to help our family out, but soon everything changed. They were not usually available to reach with questions regarding our claim, and quickly let us know he was not looking out for our family's best interest. They eventually found us a three room apt to live in and rented us furniture which was very much appreciated. They contracted with a company to try to clean our furniture. We came back to our house and found everything gone and the house gutted. They took everything before we even had a chance to see if we could salvage anything as my husband had a lot of family antiques that were very valuable and meaningful from his mother and grandparents. I also had a lot of expensive collectibles along with all my photo albums, etc. We have been in shock as so much that we lost was memories and antiques that can never be replaced. State Farm or their contactor were not authorized to do this and they still will not give us our property back unless we pay for it.

On Christmas Eve we received a denial from State Farm stating that our claim was denied. We gave them all the information they requested but we learned that someone we didn't know called in and said we started the fire. No way did we start the fire and we even have the fire marshall report along with the electric company report of the blown transformer. We talked to a lawyer who said as long as someone said you started the fire no matter if you didn't, you lose the case because State Farm can use that call against you. How in the world can someone call in and say you started a fire with no proof? I also feel my name and integrity have been slandered. Even though we don't have much money and have had hard times we would never ever have even thought of arson. Now we have no place to live, no furniture, anything because of this.

There is a lot more that I can state and all the information that was provided to them from fire marshall, my husband's employer, electric company, etc. My mother also attended one of the many dispositions we had to do and she witnessed the treatment that they gave to us and then the report they sent back was nothing like what we stated. That is also one reason they denied us was my mother came and they used it against us. I would just like to warn everyone DO NOT BUY STATE FARM HOMEOWNERS INSURANCE IN IOWA.

Consequence is now my four kids, my husband and I are homeless as we have no furniture, etc and the home is still unlivable. We do not have the money to rebuild the house or to buy new furniture. My poor kids will have to go through this trauma again without having anything or a place to live. I am even losing my hair due to all the stress this has caused. We have provided them all the documentation that was requested and just because one person called in and lied, we have been denied. There is no one to turn to anymore and I just feel we were shafted because we have no money and are not very rich.

As of today, I am no longer an employee of State Farm. I was let go today on the grounds that I am not into my job because I did not buy a life application from my employer to help her meet her year-end deadline. I do not believe that such a dismissal is professional or ethical. Unfortunately, during my time there, I was privy to many other unethical work practices, such as: seeing documents forged by my agent, and verbal accounts of embellishment from the company. I also knew of an executive's use of State Farm funds to move her furniture to another city.

Having been fired with no notice, and not having been paid for Christmas Day until I researched Statutory holidays and subsequently spoke to my former boss about it, I am now experiencing some financial hardship and major stress due to the lack of notice or consideration in my dismissal. I feel it was unjustified and unprofessional.

I have insurance for a piece of jewelry, my wedding ring. I have never filed insurance for any lost item but 6 months ago I contacted my insurance man and said I can't find the ring. He never said one thing about reviewing my account to make sure it was insuranced for increases over the years. Then a couple weeks ago I filed a loss for the ring. They wanted me to use their insurance jeweler to replace it. No problem, but now they are saying it was insured for $10,000 and it was appraised from their jeweler for $33,000. Now they want to give me the cash and not replace the ring. I feel they should replace the ring because they never mentioned anything about increasing the amount it was insured for when I talked to them 6 months ago. And, by the way, it was never raised, but I didn't know that because my rates have gone up all along even without having a claim. The insurance policy states on it: Notice: we have the option of repairing or replacing the lost or damaged property at our cost. If we agree to a cash settlement, we will pay you no more than our cost to replace the item. All of my jewelry is scheduled for $57,675.and the ring itself has $10,000 next to it. Why is it they can have the advantage of paying less for the ring yet when it will cost more to replace it I have the disadvantage?

I have had two people call me. One was the claim adjustor and then his supervisor who was just yelling on the phone to me that they are not in the jewelry business. Then why are they selling insurance if they don't want to take responsibility for telling their clients to increase the value on their treasures. I thought I was worry free. I look at the job description of the agent and it says they are to help the client remain worry free, etc.

I received a message on my cellphone from this company that my house was underinsured. I was alarmed by this and called to find out what it was all about. The person who answered stated that I would be called back. This did not happen, so about a week later I called again. Once again, I was told that my call would be returned. It wasn't. Now I am working to change my insurance to another company. I am very unhappy that the State Farm agent showed so little interest in my situation and wonder what would happen if, say, I had a claim that needed to be processed.

We had a fire on 11/26/06.Our home was so badly ruined that we were told it needed to be completely gutted to the studs. We hired a State Farm preferred provider to fix our home. It took them nearly 3 months just to complete the estimate, and we decided to fire them as were were in a hurry to get back in our home. Initally State Farm was great our first claim rep was very helpful and put us up right away in a rental house, told us that they would do whatever necessary to fix our home, and that it would be no problem to hire someone else or general contract it ourselves.

The company we hired was more than the "preferred provider" that we got from State Farm, but our first claim rep said it was not a problem--just get the new estimate, submit it and he would get it paid. There were later several other estimates that they wouldn't do the work for what was originally esimated, the claim rep said "No problem, just submit the estimates".

About 2 weeks after the structural work had begun our claim rep was transferred and our nightmare began. We were given the run around about State Farm paying anything over the inital estimate, and we had to threaten legal action. The months dragged on; in July we were told that our living expenses would no longer be paid for even though our policy allows up to 24 months. I wrote a complaint letter to State Farm and the Dept. of Insurance and our living expensese were given another month but stopped in August. The city came out and told us that additional work was needed due to the fire ruining more structure. We submitted a bill to State Farm for the work and still have heard nothing; we also requested living expenses though Nov. and were told "No".

What is promised in our State Farm policy wasn't upheld; they fight so they don't have to pay for things that are rightfully due. We have to pay two house payments and area also out $3700 for additional work that State Farm refuses to reimburse.

In March of 2007 I called State Farm about a possible heating pipe leaking in my wall. They returned my call and said that any damage that was a slow leak wasn't covered. Then in August I received a notice stating that my State Farm Homeowners was canceled because I failed to have a plumber come into my home and do any repairs at my expense.

I now need to purchase homeowners insurance, and they have on my record that I have a claim for water damage in March of 2007. I never received any money nor did anyone from State Farm bother to come to my home and look at the problem.

We have had the main water pipe to burst due to age a month ago. It was expensive to replace. We tried to file under our home owners but we were told that we had been placed on a high risk list. We we told that because we were on a high risk list that our insurance policy will increase. My complaint is we pay for this policy and we are not allowed to use it.

On June 20th of 2007, we had a really bad hail storm in Hastings,MN. My home sustained hail damage as a result of this. I filed a claim and State Farm sent a claim adjuster to my home on the 4th of July to inspect my damaged roof and windows. He issued me a check so small that wouldn't even cover the windows let alone the roof. My contractor and I requested a re-inspection and they sent another so called expert on August 9th, 2007. This person was 3 hours late and didn't even bring a ladder to inspect the roof! We had to find one for him.

After he did his inspection with my contractor he stated that he disagreed with my contractor's estimate. No surprise there! He told me that there's some hail damage but most of the damage to my roof is not cosistent with hail and he couldn't explain what caused it. He told us that since there was a discrepancy between State Farm's estimate for repair and my contractor's estimate, the next step was to get an engineer from State Farm and that he would have the last word on whether the damage was caused by hail.

Brandon(the adjuster from Nebraska) finally left my property stating that he would call me back to set up an appoinment for the engineer and my contractor to meet and discuss the damage to my roof. He called me about an hour later in a most cowardly fashion to tell me that he closed my claim stating that all that State Farm needed was two of their adjusters to agree to close my claim. Basically he just lied about sending the engineer, although I suspect the outcome would've been the same anyway. I think they get trained to deny claims. Brandon suggested to pursue legal avenues because he closed my claim and that was my only choice.

On 11-27-04, my family suffered a house fire due to faulty wiring.What the fire didn't destroy, smoke and water from the fire being put out did. We called our agent,and turned the claim in, a couple of days later the company sent out their rep. Angela M. At first she seemed polite, and eager to help our family out, but soon everything changed. We chose to have a construction company that she recommended repair the damages. Angela was not usually available to reach with questions regarding our claim, and quickly let us know she was not looking out for our family's best interest.

She did not want to pay her construction company what they wanted to repair the damages. At one point my husband found a DHL envelope on the front step of our burnt, and vacant home, it contained a check for $25-$30 thousand dollars less than what it would take to repair the damages. We refused to cash this check. We had to get an attorney to force their hand. I think the attorney was in bed with State Farm, because he stated that he was insured by them.

My husband, and I ended up paying the construction company almost $8000.00 for foundation damage, because they would not cover it, because they said that it already had a foundation problem. We also ended up paying for numerous other items as well. Our house did not get finished until 2-2007, 2 and a half years later.

It's been a little over 2 years since this has happened and State Farm is and has been denying our claim. We're still fighting for compensation but they won't because it took us too long to submit the inventory forms, when from the start we were told we had 2 years to do so.

Within those two years our initial claim specialist retired and we were assigned a new one. The new claim specialist keeps saying there is nothing we can do and we can't pursue legal action so all in all to sum up what he said is you're screwed.

We won't take NO for an answer. We've had State Farm as our homeowner's insurance carrier for 17 years, then when something tragic happens such as the fire we're being denied ! We had years among years among YEARS of memories and possessions in our garage. It was more so storage for our family than a garage for vehicles and all in a matter of hours, it's gone!

I have homeowner's insurance and I am fighting day in and day out over my recent (and only) claim. I had a pipe freeze, and burst, and my kitchen/dining room/living room flooded. The pipes were in the attic, so the ceiling collapsed, and floors had to be removed.

They treat me like dirt, like I'm trying to take advantage of them everytime I tell them what needs repair. They refuse to pay for my pipes to be re-insulated, even though it breaks Ohio code to leave plumbing in the attic with no insulation. And they denied the request to rip out and replace the cabinents even though they were in standing water and the base boards are warped.

State Farm, Like a Good Neighbor? My answer is NO.

We contacted state farm about a crack in our foundation. We had some minimal water damage as well as some mold/mildew. We spoke with a lady at our local office and she said we were covered. She forwarded the claim to an adjuster who called my wife and told her we weren't. Shortly after we received an update to our home insurance and the rates went up. How is it that I can dent my truck and get it fixed but I can't get my basement covered or repaired?

It is going to cost $7000 to get the basement repaired plus the cost to finish it again.

The local Cable Company stepped on the A/C drain line in my attic, left duct work open that they opened to blow on themselves in attic, left upstairs A/C unit turned down to 65 degrees; All of this went undiscovered while I was gone for almost 4 weeks, and then I got home to find water dripping from the attic to the basement, from the Northwest corner of the house to all other corners. Water was almost everywhere - as I ran upstairs and confirmed that I hadn't done anything like leaving a faucet running, I saw two upstairs ceilings crash; the A/C guy came and said that the AC unit was putting out about 1 gallon/hour (this was the middle of summer in Texas). Over a 3-4 weeks period, I think he estimated that the unit leaked between 2 and 3 tons of water. (The AC guy said one gallon of water weighs 7 pounds). He has provided an affidavit to State Farm regarding what he witnessed.

State Farm sent an initial adjuster, very young, named Jason I think, who just did a quick walk through, without asking me for any guidance, didn't want to look in the attic, and spent only about 30 minutes. But then he surprised me by calling me downstairs to say that he was finished with his adjustment work, and then pressured me to sign up for the preferred vendor program. When he said that I had to sign it right then, I got suspicious and said no thanks. I telephoned my agent to complain, and he offered to file something against the adjuster. I didn't want to get him in trouble.

For the next several weeks I kept getting hang ups on my voicemail, and caller ID would show that it had been State Farm calling. When I eventually called them to inquire, I discovered that the adjuster had logged me in as accepting the plan. They were calling to say that they still needed my signature on the preferred vendor program agreement!! When I told them that I had declined the plan, you could hear the phone drop to the desk in shock! They then paid $17k very quickly just based upon the fact that they did have an adjuster who had visited the property. If I recall this part of the events correctly, I believe that I also discovered over the phone that the adjuster hadn't even drawn up any adjuster's report at that point. Then when I received a drawing at my insistence, it became obvious that he hadn't truly adjusted the claim in the short period of time that he spent at the property.

I requested permission to move and they approved that I move to live elsewhere. They approved, but stated that they would not pay to move my home office furniture and phone line, saying that I didn't carry business insurance with them. That was true. I requested payment on a lease contract, and they were months in responding. It appeared that they began to play a game of plausible deniability - sometimes claiming that they didn't receive a fax or mail (even if you had a confirmed fax receipt). Eventually they handed the claim to a high-dollar adjuster, named Clark G. He finally came to the property, looked around, exclaimed that the original estimate was hugely underestimated, then started talking to me about a buddy who is a really good contractor, and does high dollar repairs. Clark advised that he would check on my requested $3,600/month amount for rent, i.e. excess living expenses. Before he left he made mention that the second you get an estimate from Scott McC, I am going to write you one really big check. He also told me that I needed to call Blackmon M to get all my stuff moved out, and that he would pay that bill.

In reviewing my notes, he listened as I complained about the initial adjuster not really looking at the damages, pressuring me to sign a contract for the preferred vendor program, wasting all this time, and not authorizing any dry-out procedure. He stated that this many months after the water event there was no need to now have any drying-out procedure done. Following Clark's walk-through, I was confused by Clark's continually pressing me to call this Scott McC, since I know that an adjuster can't require you to use any certain contractor. (I was especially leary in light of what previously appeared to have been a systematic pressure to use the preferred vendor plan). However, he quickly informed me by telephone that Todd had approved the $3,600/month.

I quickly got a letter in the mail, approving the $3,600/month for excess living expenses. I got paid around $35k for furniture repair (although these payments were based on a very informal writeup, and not the comprehensive estimate that Clark insisted upon). But, eventually I got a second letter, kind of nasty, asking why I hadn't called McC.

I called Clark and really quizzed him on his insistence that I call a certain contractor - namely his buddy McC. I asked very purposeful questions because Clark was making very conflicting statements: at the same time, he was calling McC an expert, yet referring to how he would give me a true estimate for which he would do the repairs, and referring to what a great job he would do on my repairs, since this was just the kind of job in which he specializes.

My home sits in disrepair, and I continue to live elsewhere.

After 2004 hurricanes, State Farm Insurance acknowdged hurricane damage in interior of house due to hurricanes, but they can't locate on roof where water is exactly coming in so they won't pay to replace roof even though there are clearly four or five locations where water and mold is growing on ceiling.

Continual damage of home...no additional money from State Farm.

In Dec. of 2005, my house tragically burnt to the ground, displacing myself and my to young children. I have since been in a rental house paid for by State Farm. They had a contractor that works for them, give them an estimate on the rebuilding of my home. I of course did not agree with the price, and niether did any contractor I gave it to. The agent does not believe that I recently remodelled my house, and does not want to pay me. When I turned in my contents, they said I was lying about my personal property, and now want to investigate me. They have gone from very nice and respectful, to now calling me a liar and a fraud.

I am now inches away from having a nervous breakdown, and my doctors have put me on various medications in order to try and keep that from happening. I have not been able to work and barely able to function out of fear that, as they said, my whole claim may be denied, which would leave my kids and myself without a place to live, or beds to sleep on. Its all I can do to try to keep my children in a normal enviroment without me crying and not being able to breathe. If I didn't have my children I would just go ahead and let myself have a nervous breakdown. I would love to be able to sue them for all that they have put myself and my children through, it has been a virtual hell.

First Week in April 2006 my bath tub would not drain and I called for my home maintenance company to come out and fix it. The gentlemen arrived and used the normal snake to clean the drain. When he pulled the snake out there was mud on the spring at the end of the snake which caused him concern and he advised that there was a much bigger problem. He had a hunch that the P-trap under the tub needed replacement. He advised that he could not quote the job and he would send the owner out the next day to give me a quote. The owner arrived next day and quoted me $1010+ to replace my tub, faucet, toliet and the p-trap (I agreed to this as the tub/faucet and toliet were very old and needed to be replaced. The work would start on April 6.

On April 6 the guys came out to do the work and they took out old toliet, knocked out the tub...and discovered that the P-trap was not in sand as suspected but under the concrete foundation (the bill would be much larger due to this fact). When the trap was found it was a very old lead type drum trap and was it was mangled and knarled and obviously not capable of doing it's job. The plumber also told me that the pipe connecting to this drain was very loose and more repairs were needed. The job would also cost more because that pipe lead to the water closet and more excavation and tearing out of concrete was needed.

I was horrified at this point...the plumber could see this...he suggested that I contact my insurance company as this type work should be covered. I immediately called State Farm and entered a claim. Mr. Watenpaugh called me back and stated that all work should be stopped since State Farm needed their own plumbers to come out and perform leakage tests on my system and also needed engineers to come out and perform other tests regarding the foundation. I told him NO!!!...the work would not be stopped as my home is a one bathroom house and it is very important that the work get done an soon as possible.

After the work was finally completed on April 12....State Farm sent out two plumbers to perform leakage tests, then they sent two fellows from Bryant Consultants to perform a foundation study and now a month later the Bryant Consultants report was sent and I received word (through a message on my answering machine) from Mr Watenpaugh that State Farm has denied my claim because there was no leakage damage found.

The total bill was $4760.45 for the work. My insurance is $500 deductible. I did have an initial consultation with an attorney in this area and he has advised after review of my policy that in his opinion this claim should be covered.

I called State Farm (homeowner's policy) on 2/19 to report water damage to my downstairs because of a faulty washing machine hose. The representative told me I was covered for this type of damage. I told her I was going to use Quick Dry Flood Service and she said I could use anyone I wanted.

The bill was for $9,483.74. Since I had already paid $1000 deductible to Quick Dry, the balance due was $8,483.74. However, the SF claim adjuster only paid $5049.76, since he felt the bill was too high. This left a balance of $3,433.98 that State Farm won't pay.

Quick Dry is threatening legal action against me since I am responsible for the bill. State Farm NEVER told me that they might only pay a partial payment if I didn't go through one of their recommended Flood Services. The only thing State Farm told me about their recommended list is that they would guarentee the quality of the work.

First, they would not cover my losses from hurricane Ivan (they claimed it was flood damage not wind driven for which I had no insurance). However, there were cracks on the wall where debris had hit it and water came in through the cracks. It was obvious when the sheetrock was removed. Other owners that had different insurance companies and the same water damage as me were covered. State Farm has "no Shame" and their agents in south Alabama are just as guilty.

The first time I met with one of their agents was 5 months after Ivan. Furthermore, they cancelled my policy and continued to deduct premiuns from my checking account. In fact they charged me $236.80 on March 23,2005 and ONE MONTH LATERon April 29, 2005 charged me another $236.80.

First of all the place was not liveable for over one year and second I had sold my Condo on Feb. 25, 2005 and notified the Foley office of such...countless calls and still no refund. How can you charge someone for insurance that they had cancelled and at the same time charge me twice in 2 months. I missed work and didn't have a home and ms Holk and statefarm are "RAPING" what little money, in this time of need that I had left.

Since then, I have had damage from Katrina, however thank the lord that State Farm was not involved.

Denied Homeowners coverage on Florida home after paying State Farm auto, home, umbrella & jewery floater premiums for 17 years with no claims. WHY?.

In Sept of 05, I contacted my State Farm agent (Dan Cato)954-370-8100 about a break in on my Shasta Trailor.

When I got my State Farm insurance, I was told my generator was covered, as long as it was part of the trailer. Well, someone broke into my trailer and stole my generator, but now SF is saying that it will not be covered cause it was not a permanent part of the trailor.

This to me is fraud! I have 6 policies with State Farm and I will liquidate them one by one.

First of all we were evacuated from New Orleans and I was away from my home for over one month.My house sustained wind damage from Hurricaine Katrina.The fence around the yard was torn off as well as the bedroom windows. I had a home alarm but it was disabled due to no power and a dead back up battery.... So the yard and the house were looted.

I spoke with a few state farm reps while I was away and I was told that the looting and the hurricaine should be handled as the same claim. Today my adjustor finally called ( one and a half months after the hurricaine). She cannot see me for another three weeks but she is stating that the claims must be handled seperately...so a hurricaine deductible of 3,000 and a theft deductible of 1,000 with two claims against my homeowners. I want to file a complaint. I know this is obviously up to the interruptation of whomever is assigned the claim. I hear different stories from everyone.

Also different stories about the 2,500 they gave us for loss of use of our homes for over a month....different stories about whether or not they will cover our refrigerators and freezers that were full of rotten food and bugs.

I am complaining about State Farm Insurance and their premiums for the Elliot Condominium Association's property and liability insurance. We have had SFI as our insurance carrier since 1975 and have had no more than a few small claims, if that. In 2004 our boiler failed and we had to have it replaced. We have always carried insurance coverage for that and State Farm paid as we expected. What we did not expect was they would increase our insurance premium 150%.

We paid insurance for a boiler replacement for 30 years and SFI tells me we now will have to pay this new premium! Our agent, Tom Nagel, is such a nice guy and I have dealt with him for 14 years. I asked him if he could intercede for us, which he did and was told, basically, tough luck. This rate increase is userous. What can I do to fight this?

I had homeowners and flood insurance with State Farm for thre years because I had a Rotweiller and Allstate wouldn't touch me. My Rotweiller had to be put down and Allstate was half the price so I went with them. I was told to show my new policy and get a refund for the months left on the other policy. Two months after doing this, I called to find out about the refind and that is when I was told the policy was still in effect and I could not cancel. Also no refund.

I put in a flood claim for damages in 1/05 to State Farm. An adjuster came from State Farm and denied the claim because they viewed my garage was being used a resident. My garage has drywall but no-one lives back there and there is no plumbing, heating, kitchen, bathroom, etc. Just drywall on the walls (because I hate how the wooden beams look) and boxes, junk, my son's old drum set, etc.

I asked repeatedly for someone else to come out to inspect my property, especially from FEMA, since State Farm claims that it was FEMA who denied the claim. I could not see how FEMA could deny my claim when they NEVER came out to look at my property. One letter from State Farm stated that my policy "clearly states that my garage is to be used only to house vehicles". This language is found NOWHERE in my flood policy! I've had the Dept of Insurance look into this and they were of little help because of FEMA's involvement.

When I requested that FEMA look into this matter; State Farm calls me today to inform me that FEMA agrees with their decision. My claim in only for $2600.00 and that's just for the drywall that had bad mold and mildew from ground waters that came into the garage and caused the damage. I had an attorney look at my policy and he agreed that the policy is ambiguous when it comes to how a garage is a "residence".

I'm not an atty. but drywall and a drum set does not make a garage a "resident". State Farm even "lied" and said I told the adjuster that I converted my garage to a "music room". Since when does a set of 5 year old drums make a garage a "music room". I need help in finding out what is my next recourse.

I was denied coverage on certain obvious hurricane damage. I was met with "the chimney was not built properly", so, my wind and ultimately rain damage will not be covered. (Luck played a big part for the last 9 yrs of tropical storms and hurricanes).

Examples of my two wks of steam (humidity) and water damage are:

-- Double Pane window with water in it. -not covered

-- Water soaked warped doors/frames-clean and paint only

-- Shampoo carpets instead of replacing

-- Wooden Musical Instruments (Super sensitive to moisture) - not covered

-- Furniture swollen in spots from two wks of humidity/moisture damage-not covered

-- Cabinets swollen in spots from two wks of moisture/humidity- not covered

-- Ridge ventleaks- too minor-

-- Paint water marks - behind sheetrock, not a concern

-- Stereo equipment left in humid condition -not covered -

-- The remainder of my 30 yr seal tab roof has lost 15 yrs of life -not covered

-- Batting cage with tree on top of it- not covered

-- Roof on 8x10 shed (new) -not covered but the warped doors are.

-- Suspected electrical surge damage: -Ceiling fan- not covered -lexmark printer- not covered - dryer works on one cycle now- not covered

-- I havn't covered the odor and fridges.

Imagine your entire house a steam bath with blown open doors and exposed to the elements for two weeks what it would effect. I do not want to talk to Mr. Massey again. I paid insurance premiums for 9 yrs. faithfully on this dwelling. Thanks for your ears I'm tired.

my husband bought me a diamond ring for my 50th birthday, i faxed the receipt and value. i lost the ring and when i tried to put in a claim the agent said he never received the fax, but he would put it in under an employee error. i have been with state farm for over 25 years and never put a claim in prior.

Had water damage to my home. I got a claim going right away. 2 weeks later they sent out a contractor to give an estimate on damages. It took 3 weeks before i heard anything back. still no work has been done. they then sent out a carpet contractor to measure carpet that was destroyed. they cut a 10x10 square out of my carpet then left 10 dyas later I have not heard anything. I now have a basement that stinks of water damage. A dining rom carpet with a square missing from it and now one has been returning my calls. State farm never sent out someone to view the damage.

8/20/05 severe storms caused flooding in our basement. Several hundred dollars was spent to purchase pumps to drain the basement. It took six days for the adjuster to come out and assess the damage, though we have it on video as the flooding was happening. The adjusted dismissed the evidence.

State Farm has been unresponsive, providing nothing back to the communities they are paid to protect. I am waiting to see if they are going to raise our premiums for a claim they never paid out for.

We had two fiberglass kayaks stolen from our property during the night, we believe. They were on racks (unlocked) on our boathouse. The value of the kayaks were about $2,500 apiece. We reported the theft to the company and were informed that there was a $1,000 limit on the policy. They waived the $500 deductible.

What was especially frustrating about this is that we had an insurance review in the agent's office last fall and specifically asked if our kayaks were covered under our policy at replacement value and were told yes. We were also told that they were covered anywhere in the world. We often transport them on our car, and paddle and leave them periodically on beaches while we hike or camp. We were told no problem.

Now that we've made the claim we were told about the $1,000 limit and only at our residence. We did not read the policy, at the time we transferred our autos to this company and increased coverage and many things. We have four policies total with them and did not read them all carefully. Lesson learned. Anyway, I would like to bring suit against them because we relied on the agent's expertise but I believe it will be hard to find an attorney to represent us for this relatively small amount and because the limit was listed in our policy I don't know what our chances would be with winning.

When lightning hit our outside phone box it got all phones and lines, our computer (that was only about 8 mos. old), two satellite receivers, a tv and a vcr. My husband and I filed a claim. Our claim was denied because the contents belonged to us and the insurance was in my mother-in-law's name (which we had tried to change three years earlier but was told by the agent's secretary that it wasn't necessary).

May 19, 2005 a very bad hail storm went throught with 1 3/4 inch hail. I substained damage to my roof, fence, fortunately I have a brick home, so just chips happened to that. Well the first thing I did was call my Insurance agency, the damage was obvious, and an adjuster came out the following week.

My roof vents look like swiss cheese, (the storm came out of the southwest) I have 9 vents total on the south and west side of my home, all of which looked like swiss cheese. My husband had met with him, I'm really not sure which adjuster was first, I believe it was Mark Millerburg, but another one came out a week or two later and his name was Josh Mast. But anyway, the first adjuster told my husband that only the west side of the house substained damage and a few shingles here and there.

My roof is only 9 years old and I have a receipt signed and dated. The adjuster told my husband to take the money which was around 2200 and take his family on vacation and wait until the next storm to get the roof fixed because we had a few more years untill we needed a new one, I didn't find that funny. The second adjuster before he even set foot on my roof, his foot only on the first step on the ladder told my husband "If I don't find any hail damage on your roof your just going to have to dispute it".

I am stuck with an old roof, a pitted fence and no help.

On 9/20/02 the interior of our house was destroyed by a plumbing flood. No one was living in the house at the time and the water ran for days. State Farm accepted the claim and urged us to go on the "premier service program". We were told this meant that State Farm would provide the contractor of their choosing, AND pay the contractor directly. Their contractor promptly demolished the house, tearing out everything, including the walls, except for two bathtubs. Then they left the house to sit for several months, doing absolutely nothing.

The contractor said that State Farm owed them payment for the demolition phase; State Farm said that it didn't. State Farm never once offered to get us another contractor, or made any other attempt to get our house rebuilt. Eventually, they said we, and their contractor, were being kicked off the "premier service program". They gave us a small amount of money to get started and told us to get our own contractor.

We did. The new contractor is well-known in our town, and came highly recommended, having a reputation for both fine work and honesty. The repairs cost $15,000 more than State Farm had given us. We carefully and honestly documented every penny of cost. State Farm refused to pay. We had to borrow the $15,000 on credit cards to pay our contractor. We hired an attorney who cost us another $15,000, which we had to borrow on credit cards.

In July of this year, 2005, our case went to non-binding arbitration--a procedure the courts impose on hapless victims which accomplishes nothing more than wasting the unfortunate consumer's money and fattening all the attorneys involved. The arbiter, an attorney of more than 30 years experience in real estate law, ruled in our favor and awarded us 100% of everything that we asked for--100% of the repairs, 100% of our costs, and 100% of our attorney fees. But because it was a "non-binding" arbitration, State Farm thumbed its nose at us and simply refused to pay, and commenced to bargain with us.

The arbiter told State Farm, at the arbitration, right in front of us, that if they pushed this to a jury trial, they would probably lose even more. I suspect that's the only reason we got as much as we did. Rather than have to borrow another $20 or $30 thousand and wait another couple of years, we caved in and accepted $29,100, allowing them to steal $3500 from us.

Now think a moment, if you will: How many ordinary little homeowners can afford to come up with $17,000 in attorney's fees and costs to go after an insurance company? How many even have that kind of borrowing power? Not many, you say? Well then, those are the majority of State Farm's victims--the people without a voice, without the money to buy justice, the people who have no choice but to give up and go away. Which is, of course, exactly what State Farm expects, and why it is so profitable for them to automatically attempt to cheat every claimant at least a little bit, and some a lot.

We have filed a few claims with State Farm Insurance, one was for an oil (FUEL OIL) spill in a finished basement secondary to Agway filling the oil tank and forgetting to tighten the cap, and secondly for water damage related to a broken sink drain pipe in the wall. Both claims were denied for various reasons, the finished basement is one big mess from oil and from water damages and my mission is to help inform everyone of how bad this company is in covering any type of damage to your home. They will not cover any claims that are ligitimate, but they will cover fully any damage covered by a volcano eruption!

On the evening of June 7th, 2005 during a wind storm a large tree fell onto our log cabin in Plaistow NH. The damage was confined to the roof and chimney of the cabin, as well as the outside deck area. After a lengthy wait, on July 22nd, we finally received a check for the amount of $7.800.00. Earlier we got $2.600 to start repairs on the deck. The adjuster said that they would pay for one slope of the roof, leaving the other slope a different color because of the age of the other shingles. This will look ridiculous.

I told him that because of the tree falling on one side of the roof, this should be in direct relationship and also be replaced. He disagrees, and said I saw an estimate on your refrigerator for a new roof so you will have to take care of it yourself. A guy went around our neighborhood and gave out several estimates to people and we put it on the fridge. This should have no bearing on the case. I believe we are entitled to have the whole roof repaired. Also there are purlins running through out house. Two of the were broken off. He wants to have dowels put in them, and not replace them in the original shape.

We had a burglary on August 9,2004 at the house that we were remodelling to move into ASAP. More like the neighbor that poisons your pets, State Farm Insurance has treated US like the criminals, wasting over 18 hours of our time in EUO's where, like another complaint alleges, they spent most of the time questioning us about stuff that had nothing to do with the burglary AT ALL!

They illegally obtained bank statements from my boyfriend's BUSINESS account without his permission, costing him $85 in bank charges, which, though they filed as a claim against us, they have so far not reimbursed. Ms. Robinson has sent us no less than 5 letters stating that our tardiness in answering her letters and sending her the information she requests will cause our claim to be denied. I've told her more than once that I only pick up the mail at our mailbox 1-2 times per week, and that since we've moved into this house, our stuff is so disorganized we can't find most of the things she is asking for or it doesn't exist (i.e. business licenses for my boyfriends business that is no longer active.) (Not to mention that the moving company seems to have misplaced a good deal of our belongings, but that's another complaint, altogether!)

So far, no payment for $10,000- $15,000 worth of tools stolen and front door damage caused by this burglary. The really interesting thing about this is that the agent never sent us the policy, just the page of exclusions. She also never got our signitures, so we NEVER agreed to be treated in such a way, nor to be bound by their ideas of what they can demand we provide in terms of documentation. Will we have to go to court to get this resolved? It's been almost a year!

My home was completely burglarized with all my contents and belongings stolen on or about weekend of March 1, 2005. I have provided State Farm with all documentation within my capacity including receipts for major purchases. It is now May 5, 2005 with no resolution in sight. My family is not able to go back home due to the fact we have nothing. I have been exercising a great deal of patience with the situation because i have been out of state to my grandmother being in her last stage with cancer. Now i am making preparations to return and i have nothing.

State Farm has requested me to do a statement under oath with their attorney. i have complied with all they have asked. I think its completely absurd that even on this date with all my belongings and furniture stolen they are not providing me with any level of satisfaction nor statute of time in which this claim will be handled. I know based on conversation and dialogue with State Farms Attorney that i am being depicted as the bad guy as opposed to the victim i have become in this lost. I have paid my homeowners insurance premium for 5 years with no problems and never has a claim been filed. Now i have been victimized in a burglary and i the insured cant get any satisfaction from State Farm.

The comments and statements from the State Farms' parties involved is such of a racially or demographically based insinuation. As if i am committing some type of fraud. I would like to have this issue addressed and researched to ensure that as an insured consumer i have been treated fairly and rationally without a biased or personal interest by representatives of State Farm Insurance Company.