State Farm Homeowners Insurance

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Donna of Arlington TX (06/12/06)
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.

Janet of Wildomar, CA April 24, 2006

Janet of Wildomar, CA (04/24/06)
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.

Randy of Gulf Shores, AL March 25, 2006

Randy of Gulf Shores AL (03/25/06)
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.

Francis of Scotia, NY March 23, 2006

Francis of Scotia NY (03/23/06)
Denied Homeowners coverage on Florida home after paying State Farm auto, home, umbrella & jewery floater premiums for 17 years with no claims. WHY?.

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