Farmers Homeowners Insurance

Well time passed and my neighbor contacted me...laughing! He said Farmers contacted him and told him the claim will not be honored because there was no negligence on my part??!! And the only way they would pay is if I was negligent... Omg. He said that was the stupidest explanation he's ever heard! How would I when the washer hose would burst!! So...needless to say, make sure you find out about liability claims especially...exactly what and how everything is covered. We plan to sell soon and definitely won't be using Farmers

They basically sent her here to appease us and she had no intention of even inspecting anything. Yet again the report came back that our roof is fine. WHAT A SCAM! I have no idea why we even have home insurance. They basically lied to us because they don’t want to pay for our roof to be fixed. Now we have to hire a lawyer to go after them for insurance fraud. This had been over months now and never resolved and now we have black mold because they refuse to fix our roof! Please save your money and home and go with another reputable insurance company that will not just take your money every month for no reason! P.S. Roof coverage is (SUPPOSEDLY) included in our insurance plan.

We called Farmers within hours of the disaster. It was the kind of unexpected catastrophe any homeowner could never imagine happening but would assume any reputable home insurance company would cover. We were in shock when Farmers did not respond to us despite 4 separate attempts to contact them as instructed in the policy over the phone, online, and via text.

When we finally got a representative on the phone four days later, we were in shock when he quickly told us Farmers did not cover homeowners when their ceilings fall in. It was the quintessential moment that every homeowner assumes they will never have to face because they trust that when they routinely pay their $1400 annual home insurance premium each year, they are secure knowing their home insurance company will not leave them stranded in the event of a major catastrophe.

We insisted he come to assess the damage before he gave us this type of pact response. We were again in shock when the representative came to our home, looked up at a 10 by 3 foot hole in our ceiling and a demolished hardwood coffee table, and flatly told us the damage was not covered because, he insisted, it only involved the ceiling moving, and not because of water damage from the upstairs bathroom. I have no idea how a homeowner could foresee or prevent this type of experience. Shame on Farmers for leaving homeowners stranded in the midst of a major home disaster.

I went and hired an architect and the architect said they are unstable and need to be replaced. On top of all this, because Farmers is dragging their feet, we ended up with extensive water damage and mold due to a water leak. We had the water turned off on 27 Dec 2018. All the documents Farmers had on their portal I have downloaded and printed out. Upon extensive review, they have many contradictions in their own documents. At this point, I am contacting attorneys to get the proper settlement for fix our home correctly.

I continued my Household policy with Farmers until approximately Feb of 2019, when I was informed by Terry **, the local agent for Farmers that my policy would increase from the previous amount of about $2,200 per year to $4,200 or thereabouts. Flabbergasted at this doubling of the policy I asked for an explanation, but got none. This was the price! As I declined, the policy was cancelled, even though I was still attempting to negotiate a more reasonable quote. Within a week of that notice I received a letter from my bank informing me that as I no longer had insurance that my home equity loan which required insurance was invalidated and that US Bank would procure insurance independently if I did not provide them with a new declaration of insurance. This again at a much higher cost, well over $4500.00.

As I was getting nowhere with Farmers for a more economical policy, I started to call other companies to get some comparisons. I have been quoted from $2000.00 to $3,100 depending on my deductible, which I considered acceptable ($1000.00 deductible vs $500.00 deductible). When I told them (Statefarm) to go ahead with a policy the local agent told me that when their underwriters checked my status the policy could not be executed as Farmers reported that I had three claims on my record in the last two years, and NO company could insure me because of that, unless I was willing to pay an exorbitant amount to a special type of company.

I explained to the Statefarm agent that the three claims that Farmers was reporting on was in fact ONE claim, although elongated out to almost two years before it was settled. He, (Jake), told me that until Farmers straightened out their error that Statefarm could not provide insurance. I immediately called Farmers, both the agent (copy of Terry **’s letter attached) and the home office, and in the end after many, many phone calls I was/am left at a dead end with no household insurance as Farmers has declined to adjust the claim into the ONE that it actually was. I write this letter that is where this matter stands, with no household insurance.

In addition, to make matters even worse I submitted an application for a new equity loan so as to decrease my interest rate. The application was accepted and I was quoted a new rate of 4% VS the 5% I am now paying. I went ahead with this application in February of 2019 but I have not been able to finalize it as one of the requisite needs of my bank is that I produce a copy of my insurance Declaration for my home. This I cannot provide as I have no insurance, and am not able to obtain any until Farmers rectify their mistake. This has cost me over $500.00 per month in excess interest costs since the end of February, or over $1500.00, and will continue to do so until the matter is resolved.

I have put this issue in dispute with both Lexis-Nexus and “A Plus” companies, but both companies tell me they can do nothing until Farmers changes their records. I hope that your inquiry will prove fruitful and that Farmers Insurance Co. and their agent can rectify their error that is costing me thousands, let alone if my home was hit by an event or a liability claim.