Farmers Home Insurance Reviews

A wind storm damaged the roofs in my area. My neighbors are getting full replacements. I was told I had $485 worth of damage. That was ridiculous, so I started to investigate. All the Roofing Contractors I contacted said the same thing, Farmers notoriously denies legitimate claims. They send a "no name" Engineer to write a report that they use to deny the claim. They know nothing about damaged roof shingles. They write down how many shingles are broken, nothing about the ones that are lifted and no longer sealed and all the shingles that no longer have the rock surface. I am so disappointed that I didn't investigate their claims history before paying premiums for 20 yrs. I am working on a class action suite now. I will keep warning others until this is resolved the way it should have been. Farmers, is it true your Assessors are awarded bonus money for denying claims?

I had a leak in my kitchen. I emailed my Farmers Rep as soon as I discovered the leak. My rep told me I was covered. I called and filed a claim. The person on the phone told me that I could make the repair to the sink before he arrived to look at the damage. I told him I was not touching anything until he came and looked at the damage. When the agent arrived a few days later he came in, peaked under the sink, took 2 pictures and said "you are not covered." That quick. I was floored. I asked him to explain why. He said my policy didn't cover slow leaks or mold damage. I told him he was mistaken and I had to show him my policy and the page where this is stated. The actual leak was from the dishwasher. The force of the water disconnected the pipes. The pipes had no damage or gunk in them. The pipes just separated.

I insured a residence with Farmers. There was water damage due to a wind driven storm. The Insurance adjuster first claimed it was a leaky pipe and dismissed the claim. Then when Service Pro found it was due to water coming in from the roof, she abruptly dismissed the claim as NO damage from water regardless is paid.

I have had the same problem with Farmers. They refused to send another adjuster after I contacted a roofing company to re-evaluate their review. I have a policyholder for 15 years. The same adjuster gave the same story as her first time. This time she said that FARMERS had recently changed what she called "triggers" as part of their review. Then she said that Farmers had a new policy that would cover such damage. I had replacement value but it seemed to be no good anymore---WARNING TO ALL.

I have had homeowners, automobile, life, and general liability insurance with Farmers since 2000. I pay approximately $1200 per month for these policies and have never had a homeowners claim. We moved the furniture to our garage storage room, patios, and a ranch we were renting so that we could install a new carpet. Our home was vandalized three days after the carpet installation, causing more than $40,000 in damages.

I have had Farmers homeowner insurance since my first house. My friends warned me of their poor service, but I was too lazy to change to other companies. And now I paid the price. My husband noticed something wrong with the cabinet, a certified plumber soon found out a big leak in a drain pipe inside the wall behind the cabinet and help us file the claim. The Farmers agents were the worst ones ever, and the only thing they provided were helpless and frustration, and of course they found all the excuses to pay nothing. Keep away from Farmers as far as possible!

Very bad experience on a claim with Farmers Insurance. They will do anything possible not to pay on a claim if it a second claim. They add endorsements without any detailed information. I would not recommend this insurance to nobody. You pay so much money a year and at the end they don't cover anything.

I have personally had Farmers Insurance for the past year, including homeowners insurance, auto insurance for two vehicles, and life insurance for my spouse. Our agent has been our family's agent for as long as I can remember and when it came time to get my own policy, he was very helpful in making sure everything was completely covered and that I did not pay more than I needed. He has always answered my calls and emails in a very timely fashion, even if they were simple questions, he was willing to help. I would recommend Farmers to any and every one who needs insurance.

If I can give a 0 star for my experience with Farmers, I would. I have been with Farmers and same insurance agent since 1998 for all my homes and autos. I never have to make a claim with them for all these years until now. And guess what? I've got SCREWED royally. THESE PEOPLE ARE SCUMS OF THE EARTH. Extremely slow to response, and definitely the worse in term of return your phone calls. Once you get the hold of them, be prepare. They will do everything they can NOT to pay you. In short, I've paid them premium all these years, and now I have to pay money out of my own pocket for repairs on my wife car and my house roof (hurricane IKE damages). It will take several pages to tell you about my experiences with Farmers and my agent. So if anyone interest to hear about it, you can contact me at **. Thanks.

A farmers customer plowed into 2 cars on June 1. My mother was in the car in the front. Both Erie Insurance and GEICO insurance advised us to get new car seats immediately. We assumed Farmers would do the same (being the insurance company of the driver that caused the accident). On June 2 we bought new car seats. Found out 2 weeks later that FARMERS will NOT cover the cost of the car seats. How does two other insurance companies agree that in any accident, car seats should be replaced, but Farmers doesn't agree. This is why I say, Farmers doesn't care about children's safety.

I believe Farmers to be cheap and unjust. You cannot report a claim of any kind or you may get a cancellation without notice. They pick and choose if and when they feel. Crooks for agents and contractors alike working together. If you don't choose certain contractors, you may have trouble. Quick Dry and Gus ** are some to watch out for.

My elderly father had a homeowners policy, auto policy and an umbrella policy with Farmers Insurance. My father also had a living trust set up. Christmas morning 2015, my father fell and broke his hip. Because of his condition and prognosis, it was decided that he would resign as trustee of his trust and I became the trustee. I also had power of attorney. As a routine precaution, I contacted the agent and notified them of the situation. None of the policies listed the trust. I provided the agent with the trust documents and power of attorney and was told that everything would be taken care of. I became aware that the title for my father's car was not included in his trust. Rather than put the car in the trust and then take it out again, I transferred ownership of the car to myself with the DMV.

I'm writing this because I have Farmers Insurance for 50 years and when I needed them, my house flooded, get paid nothing. My house was ripped off, burglarized, it ain't nothing. I lost everything in my. I'm now homeless and never paid what they told me for the flooding of the house. They got out of it. Farmers Insurance is nothing but thieves. I could go on this long detailed account of how they sneaked out of every obligation. Years they paid nothing. My home was burglarized and I have replacement value on everything I owned too personal valuables, jewelry, heirlooms. They paid nothing.

If you can't see "full replacement cost" on your homeowners insurance policy, then you might see "scheduled roof replacement" (which is what mine said) or actual cash value". Well, since the guy from Farmers didn't even know what that means then I can tell you the adjuster said it means that 60% of the total replacement cost of the roof isn't covered and for them to cover the other 40% you have to pay 1% deductible which means $2000.00 in my case. In other words, for a $10,000.00 roof, they will pay $2000 if you pay the other $8000, after you pay them $1000 yearly premium and $2000 deductible. Meaning you are out $9000 and they pay $1000.

Farmers WOULD NOT PAY home roof damages $3,700. Farmers changed ADJUSTERS 3 times during claim process. Adjusters repeatedly claimed coverage was reduced & pro-rated & based on age of home. Policy declaration page clearly stated FULL REPLACEMENT COST. Adjuster continued to stonewall and offered pro-rated reduced payment. Adjuster said "Our computers are set up to pay reduced pro rated amount not full replacement cost." After many months of Farmers' stonewalling and repeatedly changing adjusters, I complained to North Carolina Insurance Commissioner. Only then did I get full payment.

Recently Farmers sent me a renewal quote for my homeowners policy that increased my premium by five hundred dollars a year. Of course I shopped around and found a less expensive policy with Allstate Ins. My Farmers policy renewed in March 2016 so I called them in January and cancelled my policy and went with Allstate. Last week I get a bill from my Farmers Agent Don ** in Oklahoma City saying that my policy premium was due so I gave them a call reminding that I cancelled my policy. Keep in mind my escrow account on my mortgage covers my insurance. I was told by an agent at the agency that I had to do this and do that to get my policy cancelled.

We had some storm damage to our house that was going to require some stucco repair, painting, and replacement of sun screens for a total of $3800.00. The adjuster told me that they would not issue a check until we had the repairs completed and presented him with receipts. I had never heard of that and asked why. He said that he felt I would go shopping rather than repair our home. Needless to say I was stunned and greatly offended. I contacted our agent who only referred us to their 1-800-who cares number. We have since repaired our home but have not received a cent from Farmers. After waiting the rest of the year for the payment we couldn't bear to pay another year's premium so we cancelled the policy. We do not recommend Farmers Insurance.

I can't trust Farmers insurance to insure my properties. For over ten tears I was with AAA insurance and was very happy with them. 5 years ago a good friend of mine's wife became a Farmers agent. He asked me if I can switch to Farmers and give his wife the business. I agreed and I switched. I insured my home, autos, rental property, and a business. I have been with them for over 5 years until few days ago, I sent a notice to my agent to cancel my insurance policies. My cancellation has nothing to do with agent. It is the claim department and specifically the adjuster is the reason.

We have been Farmers Policy holders for over 18 years and this is our first claim. I had an accident at our house and brought my ring into the jewelers to be checked. The jeweler told me the diamond was chipped and setting was cracked. I discussed that it was insured and Farmers had all my original appraisals, so proceeded to file a claim. My jeweler wrote up an estimate for repair for the entire ring and sent to Farmers like they asked. Farmers appraisal came in 3k lower than ours. Fine, I had no choice and a check was sent to me. I was told salvage would contact me to see if I wanted to buy ring back. Salvage contacted me and told me it would be 4k to get my original wedding ring back.

In Jan 2014 procedural chances took place renewing my flood insurance. According to Farmers Insurance I was required to get a elevation survey to renew my flood insurance. It cost me 350.00 to hire a surveyor. A couple months later I was told by Farmers that FEMA didn't like the photos that the surveyor took and asked me to take photos of the front and back of my house. I did and submitted them to Farmers. Then a couple months later I was asked to take additional pictures of the sides of the house... I told the secretary that "What am I paying you guys for? How about you come out and take the pictures because you know what FEMA wants." The secretary Carol said no problem, she would send the agent Hilary out to do it.

I've been a Farmers customer for 10 years with no loss (so I thought) till they started to reduce coverage and increase prices beyond their competition. Shopping around I got aware that they have entered my information in a public insurance database for customers with losses and refuse to remove this false information. The whole reported loss was me inquiring 2 years ago if a theft was covered or not under my homeowners policy. Turned out it was not covered (which I was fine with), I didn't file a claim, and so I thought case closed. Back then it was a pain to find out if my loss was covered since no employee seems to be educated to answer policy questions! Now 2 years later while shopping around I notice that they've reported me as customer with LOSS for a $0 claim damaging my reputation as insurance customers for other companies and actively refuse to correct their mistake. Thanks Farmers!

I've had Farmers for the past 23 years. Two years ago my HO insurance was around $1200.00 per year. As of today, it's $3100. I've asked my agent why so much of a price increase. All he can say is that it's because of all of the storms we have had over the past couple of years. I was smart to dump my auto coverage with them 3 years ago due to it kept going up and I didn't have any tickets or accidents. Well the time has come for me to drop them. I've got a quote from State Farm and with the same coverage I have with Farmers, State Farm is over $2000 less. TTYL Farmers!

I have had so many people ask me what this sign on my vehicle means, that I am tired of explaining it, so will posting this for a while every day, to let people know what the deal is. Was with Farmers Insurance company for many years, when my daughter was hit by another pickup, and the man was ticketed for causing the accident, but Farmers and the other insurance company took so long deciding who was at fault, that my insurance (Farmers) opened the case first, Farmers adjuster looked the brand new truck over and decided, they would fix the damage, even though the body shop said they wanted it totaled, so did Ford motor co, and myself. Have this on tape.

My pipe broke. Flooded my basement. Farmers came out. They cut up my perfect condition carpet. Stole half the pad. Put some of our stuff in a shed. Refused to answer our calls. A year and a half later, the owner of the shed had to call them, they still refused to answer our calls. They came out, said they forgot us. Said they would mail a list of contractors. Two weeks later, I called & said we hadn't received the list. He called me a liar & hung up on me. They came out, threw our stuff all over our front yard. Broke our bench, football table, new toys, electronics & left. They have refused to talk to us since. They left us in a house full of mold. They cut the walls & left it. Cut up the carpet & stole half the pad. But for 30+ yrs they have happily taken our money for insurance premiums. Calling Farmers is going to cost me over 20,000 min. It might cost me my house. I would've been better if I hadn't called them.

I decided to use Farmers Insurance and I needed to make a change. The person actually came to the house to make sure there was a house (I guess). Was very friendly, came to an agreement and she left. Received the documents to sign with the amount I was to pay. I really thought this was a good deal. Liked the person and when the Insurance payment was noted - I paid the amount noted. Happy to have this done for another year. BUT- on the last day of my previous insurance was no longer in effect - lo and behold I receive a letter from Frontier that now they would need to send an inspector to do a review process which included roof inspection, outside only review (unless the agent wanted in-house review). This inspection would be done by a third party (CIS). We are not talking about small change. The house is in the $700,000 plus value. What?

Tried to get information about a Homeowners Insurance policy, had to be transferred multiple times to different areas and then back to the original area I called in the first place. This is where I had the unfortunate opportunity of speaking with PEGGY or similar name with a squeaky old voice. She acted like I had disturbed her from her nap after just telling her my name. I gave her my policy number and asked for any additional information regarding the policy. She responds bluntly "Like what? ".

I used this insurance about twenty years and had no submitted claims, and then, suddenly and without explanation the company increased my rates well beyond that of competitors. The increase was more than 25% above my previous rates on both home and auto. It seems the company just figured that this dope will not look any further and accept the increase. I changed to Liberty Mutual and the cost was less than Farmers for the past year.

We have found the premiums to be less costly than other companies. The claims are handled quickly and efficiently. They did ask us to add a railing where previous companies did not. But that was a safety issue and we just never realized it. They were right to have us do it.

They were very nice and informative. They were the only ones who would insure our house because it is a modular home with an added on sunroom. They were very nice and knew their jobs well. They were very easy to do business with. They had a good close location.

My local agent is Bonnie ** in Columbia Falls Montana and has many years of experience in dealing with all types of insurance. Dealing with this agent can take some time as she is very thorough and makes sure that the customer understands her explanation regarding the type of insurance you are looking for, and as far as I know she handles just about every kind. She takes whatever time is necessary to make sure you have the right kind of insurance and you are satisfied with pricing. The agent is on call whenever you need her help. When you first meet her you just know you're in the right place. She makes you feel like family not just another dollar bill coming through the door. From time to time she will contact you and ask you to stop in to see her and just go over your coverage to make sure all your information is the same and make sure there are no loopholes in your coverage.

The office in downtown Leavenworth Kansas is the most unprofessional, inefficient office I've ever experienced. In addition they were charging my 87 year old father over $2600 a year for a house less than 1000 sq ft with a newer roof and heating and air conditioning. The house was in very good shape and he had not made any claims. Any business I tried to take care of with that office was never done. I even went to the office during business hours and no one was there! I had to go back and got nothing but excuses from Robert. Worst agent ever.

I've opened my homeowners insurance policy with Farmers since I bought my home. Is a highly reputable carrier, very reliable and trustworthy. Despite not filing a claim with them, so far, I've heard from reliable sources that their claim process is seamless and payments are processed timely and accurate. In the 9 years I've been with them I lived convinced that I'll remain their client for as long as I can. I recommend them without hesitation anytime.

They've been great! Have an older house and have had no issues with getting coverage. Our agent has been extremely helpful... making sure that we understand our coverage and informing us of other options out there so that we could make the best decision for our home. Rates seem pretty reasonable - in fact, rates are lower with Farmers than they were with several other insurance companies.

We had serious hail damage in September, 2014. Farmers came out right away, assessed the damage along with the roofer we had chosen and immediately issued a check, less our deductible. They were easy to work with all the way through, and checked periodically about the progress that had been made on the job.

The agents were very professional and informative. Were willing to come to the house to handle things personally rather than over the phone. The range of products offered were excellent and the cost was considerably under competing insurance companies. Claims process was seamless and very timely. Follow up to the claim by the agent was excellent. The Company makes me feel important for who I am and not for the premium that I will pay. No pressure to purchase. Presentation of facts and the decision was most definitely mine based entirely on facts. I would wholeheartedly recommend.

We had only one homeowner's claim ever due to damage from a winter storm. The original claims adjuster was apparently fired from the company during the processing of our claim. The new claims adjuster that was assigned lived more than 30 minutes from our home so we regularly had to follow up and mail documentation and pictures. It seemed at points that it was our job to ensure the claim was processed in a timely manner. Never heard from our agent during this time.

Have had for over twenty years and thankfully have never had to file a claim. They periodically review our coverage to make sure that there is enough coverage for replacement etc. Insurance company has always proactive and responsive to any questions or changes that might need to be made. Bundle other insurance with homeowners so rates are competitive

Had a policy named "Foremost" through Farmers. They haven't made any attempt to update my coverage in years so I decided to get a new policy from my car insurance company, Progressive, which has always served me well. I updated my coverage, and it's not costing much more since I have the 2 policies with the same company. (Years ago I had car insurance from Farmers also but found out my local agent was overcharging me.) Last year when I had the homeowners insurance from Farmers a tree fell on my carport and car. Totaling both, the coverage of the damage to the house was not enough to cover the replacement of the carport. I thought the Progressive claim for the car was settled very fairly. I have had other claims with Progressive and their service has been very good. They are probably not the most inexpensive, but they make it clear what your coverage is and respond to claims efficiently.

The secretary of Farmers Insurance in Springdale, Arkansas threatened me. This was some Hispanic lady Victoria who work for the Dave Compton agency. What was worse was that the lady hung up the phone in my ear, because I missed a meeting. I am a commercial customer who has insurance through them for my company, but they are rude and I have been searching for a new agent ever since. It is not worth working with Farmers Insurance agents.

Worst insurance company. Been 7 weeks since I filed a claim for water damage. Made me do all the leg work, getting me to run to contractors and getting estimates. Then coming up with ridiculous amount, less than half as a settlement for my claim. Never would advice anyone to buy this insurance. I will be dropping them like a hot potato and will stop all, friends and family from going to them. WORST COMPANY EVER.

We really enjoy going through them. They seem like they really care and try to get you the best rate possible. We have been dealing with them for years. It is easy to get their office and I don't feel pressured that you have to get insurance through them if you don't want. They seem honest and helpfully always. We always get birthday cards from them and they always send thank you cards for being their client.

This company is awesome. We've had several claims with them and they've always been awesome and prompt with their service. They went above and beyond what we expected and always were happy to listen to questions and complaints. Their service is always efficient and thorough. They surpass expectations every time and we love them for it! Definitely tell all my friends about them!

Shortly after I obtained this insurance I had to file a claim. The water pipes broke. Farmers was very responsive. They had someone here to dry out the carpet within 2 hours and an adjuster was here not long after that. They took care of their part and issued a check immediately. I would recommend them for someone looking for homeowners insurance.

The fee for the homeowners insurance was reasonable; however, we had several instances of wind damage & claims adjuster did not give us proper reimbursement for damages incurred. We tried to contact the adjuster who never returned our phone calls and, therefore, part of the cost was not paid by Farmers. We had to pay the difference for the repairs in addition to the deductible that was an anticipated expense. They made no attempt to offer to have someone repair the damage, but gave us a check for what they thought the charge would be which turned out to be insufficient for the repair costs. Wish they had someone do the repairs for us, but that was never offered.

Three years ago I had a sewer back-up. I live in a condo on the first floor. The back-up started in the front condo and spread to my condo. I call Farmers and they started the claim right away. Farmers had a agent right out to look at the problem. My place was fix in about three days. Farmers service was fast and quick.

My agent is always available. I feel I am amply protected at a reasonable rate. The only claim I had was years ago on a smoke damage claim at a previous home and it was promptly and adequately compensated.

We are very happy with Farmers because they saved us about a thousand dollars over Geico who had already saved us money over the previous company which was State Farm. Since we haven't had a claim with Farmers yet, I can't give any review about that part of Farmers.

My previous experiences with Farmers Homeowners Insurance company has been rather wonderful. I shopped around and had a couple of policies in mind. These policies didn't give me the coverage to make myself feel safe and secure, but Farmers did. The agents have been rather helpful and help me get what I need.

Submitted my notarized claim ** on 10 July 2015 for $143,772. It is now Oct 3, 2015 and Farmers still has not paid me a cent and tells me it could be a year before they will be able to complete their investigation. So far they have refused to accept my claim for loss of solar electric system and other items despite pictures and list of cost for items. Their behavior violates the guidelines for insured companies. Looks like I will have to sue them to get my claim processed. I have cooperated with them, attended a deposition and they keep asking for information I do not have and will not process my claim.

I've been with Farmers insurance for more than 13 years for auto and home. They are very easy to sign up with even if you don't have driver history or anything, but they get you find ways to be insured. That's why I've been sticking to them for the past 13 years. In average, I've been paying Farmers $2500 a year for my single person auto and home for this many years. I've never had collision that needs Farmers to ever reimburse me. However, I've had up to 5 B&E (breaking and entering) in my complex due to bad neighborhood and increasing crime. My car has been broken in 3 times so far in the past 3 years in street and at my garage. My garage has been broken in also around 3 times at least ever since I bought this place in 2005. Last month, there were two B&E, one was my unit and the other one was my downstairs neighbor. I was notified by my neighbor when her kids saw my car with a broken window and millions of shattered glass on the floor.

Denied my storm damage claim and left me with soaked floor under the carpet, between the new insulation and belly wrap of this manufactured home. Refused to acknowledge the actual area of hail damage where the water entered and are trying to say it was all due to poorly maintained roof, which is absolutely not the case at all. They denied the claim and left me in despair after taking my money and failing to honor their contract. Hiring lawyer and filing complaint with state insurance dept as well as preparing to take them to court. 3 weeks now and the longer this goes unrepaired, the likelier this home will be a total loss.

I agreed to an amount of 43.00 to be taken out of my Chase checking account on a monthly basis, to find out that they were taking twice the amount for the past 11 months which led my bank to overdraft me 35.00 when I only had made sure my checking account had the amount agreed upon with Farmers Insurance agent Brent ** in Prescott Valley AZ on Robert and Spouse Rd. I have tried and contacted several people and after excuse after excuse, was promised to be paid back the full amount stolen from my checking account. I was finally assured I would be paid a week ago Tuesday and still they have not done as promised.

Been dealing with Farmers since March of this year, re water damage caused to my property by neighbor above me. Neighbor is covered by Farmers. Claims Agents are rude and unprofessional. First never received any acknowledgment of my claim, nor follow-up letters as to the status of my claim. Need to make numerous phone calls, send numerous emails and faxes over and over to get any response from them. I wrote them a letter on May 8, 2015 asking them for a response in writing via USPS. Contractor I was going to use to do repairs wanted confirmation that the drainage issues on my neighbor's property had been repaired, so that he could make the repairs to my property.

A week ago I went to see the Agent in Donnelly, ID to get a quote on auto and homeowners insurance. This is probably the rudest business person I have ever run into in my life. Asked for a quote with the same coverage I currently have and we would talk about increasing coverage after. She spent the whole time telling me how bad my policy is and how good she is. Needless to say I didn't get a quote from her. I think she was trying to scare me into buying insurance from her. I don't recommend this agent or Farmers Insurance.

After having Farmers Home/Auto insurance for 25+ years, we filed two claims within 3 years (total for both ~$5k). A year later, we received a letter stating they would not renew our coverage. Bottom line we were told, can have 2 claims within 3 years so long as not both water claims.

Do not go with Farmers Insurance. I had one claim 2 years ago in 2013 and they canceled my policy in 2015. If you have Farmers, I'm guessing you never submitted a claim. Don't submit any claims or they will cancel your policy. Farmers policies are not set up to help their customers.

We had two separate incidences with Farmers. The first was on a rental home that had sustained damage from hail. We had been told by several realtors that the insurance company would replace the roof, no problem. Many people in the city had damage and their insurance companies just replaced the roofs. Not Farmers! They came up with a prorated report, the age of the home etc., etc.! None of it made any sense and so the result was they paid $800 TO REPLACE A ROOF!

I have been an employee with Farmers for many years and therefore know what's happening on the corporate side. How does any client expect his/her inquiries not to mention claims to be adequately addressed when the personnel doesn't even know the answers themselves? It's so difficult for us to keep abreast of the "correct and expedient' ways to handle issues because everything changes from day to day. The agents for the most part do not have a clue as to procedures and the DM's from what we understand are unresponsive and unavailable. This company is the AMWAY of insurance companies, agents are recruited, tossed into their positions with very poor training (at least AMWAY has a good product). Do yourselves a favor, insure with another company with personnel that actually know something.

BIG NO!!! Warning you- you cannot count on Farmers to cover your incident. All that money YOU PAY IN goes to TV ads, not paying claims. Have a water leak that goes down when you live on a hill (duh) - it is not covered. Tricky wording in the policy, altered a few years ago. The ads are actually true- "you think you are covered but you are not". BAD DEAL.

My wife and I have been with Farmers insurance group members for 30yrs. Paying premiums starting on our first apartment, have had all our cars there over the years and now 2 different homes with the same company Farmer's. We recently turned in a claim for hail damaged roof. Only after, of course, witnessing multiple neighbors receive entire new roofs did we even consider, maybe there's something wrong with ours as well.

I'VE had two incidents with this company. The first was in 12-13-10 when we had very hard rain that just soaked our ceiling. This roof was replaced just 9 years ago. Had them come out and all they said was that it was application problem!!! Now this has been holding great for 9 years NOW it's an application problem. On top of that, the adjuster told my wife that she was stupid and she didn't know what she was talking about, that maybe true when it comes to roofing, but no reason to say that to her face. I was working out of town so just felt that insurance company would take care of it. Now on 1-20-15 Another horrible rainstorm came through and you guessed it APPLICATION problem.

I had taken out homeowner's insurance on March 6, 2015 for a condo that whose contract was still in the works. The insurance was set to be paid through escrow and the bank had already agreed to that. Unfortunately, the Bank that I was dealing with received a lower than expected appraisal on the unit. So, as a result the deal was terminated.

We got robbed while we were moving 6 months ago. We have never been uninsured. We have paid premiums for over 20 years and have never made a claim. They sent out an investigator three months in and now are making us testify under oath. And all of this to possibly get paid probably less than a quarter of what was lost. It's like getting victimized after you've been victimized.

Farmers King Insurance in Capitola Calif. I had a policy for Foremost Insurance on my mobile home through this man. He refused to talk to me and cancelled my insurance. When I phoned Foremost they said it was cancelled for nonpayment. This episode I proved was false and my payment went through on my Bank of America account. It was apparently misdelivered. I paid it on time and have proof, the bank verifies this. Mr. King would not discuss this with me and I had to deal with desk clerks who were very rude and ignorant. My Bank got in touch with them and discussed this and still they waited until my next payment was due and cancelled me for nonpayment. I don't want to deal with this anymore but I now have no homeowners insurance and am looking into new coverage but have run into a catch 22 situation. I did have 2 water damage claims, one they paid for one not. I understand they do not like claims.

My parents has been a Homeowners Insurance for nearly 28 years. They had pipe burst failed in the middle of the night, around 2am. We discovered we had flood inside the house. What upset they agreed to blow up the wet areas, came with 8 blowers that on overnight, they refuse to fix the damage that we noticed we had areas (closet, hallway, 2 bedroom the bathroom) got damaged. They said, "according our policy it wasn't covered inside flood."

Sold our home and moved into my domestic partners condo. We have been together over twenty years and registered as domestic partners. I am not on the deed of the condo. I was denied an auto/home discount since I am not on the deed. I have received health benefits from my partners work, since we are domestic partners. Farmers offers pet insurance, but they don't offer auto/home discounts to domestic partners.

Purchased policy on 12/11/14 after agent informed me that mobile home would be insured as stick built home if it was HUD certified and it is. Farmers cancelled stating they do not insure mobile homes. I was refunded $1082.96 on 1/17/15. On 3/9/15 I received a bill for 17.66 and on the bill I see an additional charge of 270.78 on 12/30/14 for FIRE POLICY. ** was agent who wrote the policy and since then I have dealt with ** who said he would fix everything then wrote a quote for 2240 thru Foremost. I feel I have been lied to by agent and Farmers Insurance.

I live in Lawrence KS. The agent here has failed to return my phone calls resulting in the cancellation of my policy. When they did reinstate it they withdrew two annual premiums without notifying me. The insurance agent does not know where my refund is! Also, they increased my premium $84 without informing me. It has been one problem after another. I wish I hadn't opened this can of worms changing my home owner's insurance policy! I should have found another company.

Sept 2014: Tree branch fell on my home and damaged siding, gutters, and destroyed two heat pumps. Agent came out & stated that there was a 27 mph gust in my zip code at the time of the incident and he would have to apply the 5% wind deductible ($14,500.00). My research revealed that at the time of the incident the reported winds in my zip code were less than 4 mph.

Canceled EFT, canceled policies, still Farmers removed money from account the month after I canceled and removed EFT. Cancellation letter specifically stated they are to ceases and desist all EFT, ALL communication with me. Now I am fighting with them for the past 2 weeks to get all my money back. RUN AWAY, RUN FAR FAR AWAY from this company.

My husband owns an automotive business. One night he gets a call saying a DUI driver came through his lot and totaled one vehicle and caused several thousand dollars damage to the other. Their agent offers him $700 on the car that's totaled and $400 on the other!! Why? Because the motor was out and without the motor the car is basically worthless. Excuse me? So, if this was your car sitting outside, waiting for the new motor to be installed, you would be fine with receiving a few hundred dollars? Of course the agent was speechless and only said, "I'm sorry sir, but that's our final offer."

Temporary Housing was dealt with poorly. With no consideration to the homeowner. No effort was used. Farmers Insurance did not care if we had housing or not. We were treated like dirt. The limited scope for facilities on the month to month and or 6 month max lease agreement here in California is impossible to meet. Farmers would not let us sign a one year lease which is the only way to rent anything. We have been living in the most worst conditions since Dec.15th 2015.

We have had continuous home owners insurance coverage for almost 30 years from Farmers. We recently had a lot of snow for our desert area that caused a significant roof leak, which caused our ceiling to collapse! Besides that damage, there is damage to the wall & wood floors. Now I did not expect Farmers to cover a new roof, but I certainly expected my home owners insurance to cover the interior damage! Not a cent! Why in the world do I have to carry an expensive insurance that literally covers nothing!

My father has been with this insurance for 15 years and recently we noticed that his home was beginning to leak. The roof was deteriorating, so we tried to get a hold of his agent. That never happened, we called them and they told us we needed a contractor to come out and give us a quote, so we did. The damage was estimated at around 5,500. So the agent came out and said they could only give us 2,800 yet we have a deductible of 2,200. So basically they are willing to help us with 600 dollars. They didn't really offer much help, other than that. It's a terrible insurance over all, I do not recommend it to anyone. We are on the verge of switching insurances, there have been several other companies more than willing to help.

Had 2 water leaks inside of wall, when we noticed the flooring wet, called plumber to repair leaks. After leaks were stopped we called Farmers Ins. to report the damage to subflooring, carpet, tile, and drywall, as well as mild black mold. Adjuster came to home and later called to deny claim due to claiming was leaking for long period of time. When we could hear the pipe spraying inside the wall, I would call that a burst, but of course Farmers does not. Now we are faced with thousands of dollars damage to repair flooring and drywall. This is the worst insurance company I have ever had to deal with.

Starting from day one, agent and adjuster started my claim while I was in hospital with neighbors that quickly tried to discredit me and take advantage of my 85 year old mother who had dementia and I POA. I had to hire lawyers to intervene and get my checks and documents and was sued by this couple who wanted compensation. Appraisals on art and antiques and other valuable possessions were conveniently lost and they low balled the rebuilding costs.

I recently received a letter telling of repairs that I needed to make; moreover, I was given 30 days to respond. One repair was removal of leaves from my roof, and since it was November and my house is under oak trees, this seems ridiculous since I remove all leaves once they are all down. The others regarded my roof, which they said that they wanted certified as to its condition. (The roof has given me no problems.)

Bad faith after years without a claim and expensive payments -- Covered my expensive sports car after an underinsured individual hit it but despite extensive damage, they had it repaired. The frame was bent. They refused to sell it off for parts even though the cost to them would have been the same. This left me with a car that was worth less than half its value before the accident.

First you get robbed and then you really get robbed. 28,000.00 dollars worth of items - Farmers only paid 11,315.00. That's not even half! Of course they have little print and don't tell you on how they only cover so much on jewelry and firearms but give you nothing for the rest. I imagine all insurance companies rob you but this one robs you too much.

Farmers insurance is a joke. My husband was hit by one of their clients who ran a red light and they low balled us and bullied us around till we went to court. And because of bad defense, farmers gets away with paying us nothing. They were so awful to us. Farmers insurance is the worse company. They wouldn't take responsibility for an accident that was clearly the fault of their client.

My home was vandalized and all furniture was stolen. Even though I expressly told them this was a rental and asked for and paid for extra coverage nothing was covered or paid. I lost over $10,000.00 and not even a call back. I filled out forms sent in itemized lists and was told it was covered then Suddenly it's not. Sharon ** of Visalia was my agent.

I pay my Premiums and have pip and coverage so that when I get in a wreck I'm covered and don't have to worry. I was hit back in September and still dealing with Farmers to Pay my bills. They feel that the total damages don't add up to my findings. I went in for a MRI and they found multiple pinch nerves and bulging discs. They are refusing to pay my Doctor. I was hurt and dealing with Farmers has been so stressful. They are now reviewing my case and sending it to a medical examiner. Customer service is horrible and they don't care. For a small case like mine it shouldn't be this drawn out. I will be finding another insurance company. I wouldn't recommend relying on this company to be on your side because they won’t be.

I did some shopping around for lower rates and got a quote from Joseph ** with farmers insurance. I decided to bundle my home, vehicles and business to save even more and everything seemed just fine but that didn’t last long. I got a call from Joseph **'s office and was informed that I needed to trim the lace leaf maples 18 inches away from my house and clean the moss and pine needles off the roof in addition to replacing my front porch stairs.

Farmers clearly admits a number of errors were made on their part. We finally have after over 3 years, all the issues straighten out (policy type, address change etc), only to realize that they overcharged me $500 plus last year, and they admit this, but are refusing to refund any amount of this.

I was hit 3 times by a woman with Farmers insurance. I had headaches non-stop for 3 days afterward. I talked to the adjuster and asked him how I should handle the doctor bills and he said to keep track of them. At no point did he tell me they probably won't pay out. This was on a Monday. On that Friday I got a letter saying based on HIS opinion, I shouldn't need a doctor and therefore Farmers would not be paying the bills. I wasn't asking for reimbursement for the time I had to take off work to go to the doctor, or to take and pick up my car from the shop, or the time it took me to give my statement. Just $216 for the doctor appt since my health insurance wouldn't pay because it was a car accident.

In the process of refinancing my house I was sent a sizable refund check by Farmers Insurance due to a supposedly duplication in payments. After contacting my lender regarding a billing statement I received (approximately 3 months later) for my insurance, I was given evidence that my insurance was paid. Just to verify what was happening, I called Farmers. I was told a mistake was made. I needed to return the refund, this was 3 months later. I initiated the call. The agent did not call me.

We received a letter stating that our insurance would be dropped if we didn't fix our roof and trim back tree limbs from the roof line. We had just replaced our roof 3 weeks prior to this so we called. They said take pictures and send them in. We didn't get a chance because our money was refunded 3 days later. As for the tree, it is a pin oak. It has a single trunk with finger thick branches. Even if one snapped it isn't heavy enough to do anything but scratch a car!

I owned a house that I rented out. It was insured through Farmers. I sold the house in August 2014. I notified Farmers that I sold the house. I had paid the homeowners insurance for the entire year, thus was entitled to a refund. Farmers ignored my REPEATED requests to cancel the policy. I sent them copies of the settlement papers and Farmers Insurance policy. Nothing - policy kept in effect. I WAS PAYING INSURANCE ON A HOUSE I NO LONGER OWN! The latest - Farmers is now claiming that I NEVER HAD INSURANCE THROUGH THEM!! They claim that the policy number is not a Farmers policy number, and they claim that they never received any funds from me FOR THE TEN YEARS I PAID THe ANNUAL PREMIUM! Frightening! What would have happened if the house burned down? I would have been stuck. FARMERS INSURANCE IS NOT A LEGITIMATE INSURANCE COMPANY - it is Fraud. Someone should go to jail.

The water connection behind my washing machine had what I noticed to be a leak. This leak could have been dripping since I last used my machine, about 5 days earlier. The agent advised this claim would not be covered because I waited too long to notify them. I knew newspapers had reported Farmers had denied many claims that were caused by the terrible fire in Oakland, CA hills. I explained that I had no way of seeing this leak and reported as soon as possible. I feel using Farmers (Foremost Ins.) was putting money down a rat hole...... I had the repairs made for less than $ 900.00. I would never again use Farmers (or whatever name they are using).

Last week a pipe burst in my mom's kitchen. So... The insurance company had a guy come in her home, take out everything. The cabinets, flooring, counters, sink, piping, all the way to the studs in her floors. This took 3 days. While doing so they had a system in the kitchen that was suppose to be dangerous according to the insurance (professionals). What a joke they really are. Told my mother she could not sleep in her home. The insurance company decides they will not be paying for any of the things they tore out of her kitchen and also will be billing her for the 3 nights of hotel that she did not stay in. I'm assuming they saw how old and poor my mom is and thought there's no way she can afford a lawyer. Little do they know she's a very loved mom who has kids that can.

After having Farmers Insurance for over 15 years, our above ground pool burst and caused thousands of dollars worth of damage. Our children were devastated and we feel depressed not being able to see our beautiful pool out of our five window kitchen. Farmers said that the water damage and the pool were not covered, also any damage from the small tsunami like our fence and neighbors' yard. I don't know what to do and am afraid to switch to a brand new company after being with them for so long. Hopeless in TN.

Have had insurance through farmers for a very very long time. Our agent retired, we got stuck with another one. The office has no idea what he is doing, they have my accounts so screwed up that after 40 years I had to change, not to mention they never do what you ask and are rude to boot. I have been satisfied for 40 years, then found out they are the highest rate in the US, in having to look for other insurance........ don't use this insurance company at 201 W. Twohig. You will regret it because if you choose it and don't like it, you will be blackballed by them because they will make sure not another agent will take your insurance, period. BEST STAY AWAY, WARNING!

A Farmers Insured drove through our 4-year-old fence. We personally took 3 hours to get the owner and passenger out of the car and remove the damaged fence. Farmers is only willing to give us depreciated value on the fence, not replacement value. Fence was in perfect condition before their insured drove thru it. So, long story short, we are OUT OF POCKET to fix the damaged fence since Farmers says they have to use depreciated value. REALLY??? So if our fence was over 15 years old and was damaged, they wouldn't pay anything to fix it????? NOT RIGHT!! FARMERS SHOULD PAY REPLACEMENT VALUE TO FIX THE DAMAGED PROPERTY BY THEIR INSURED PARTY.

Had major water damage that happened underneath our sink due to a garbage disposal that went bad (our place is only 7 years old). The water leaked out the back unknown to us, and under the floor boards. It was hidden from view, and there is no way you could even see the leak. Once we noticed and called, they would not honor the claim - said it's not covered! Worst customer service ever and I would never give them a dime of my money again! BEWARE! They will not cover your claim. Go with Liberty!

Farmer's denied my hail claim while fulfilling neighbors claims with exact damage. Treated very unfairly by Farmers.

I called for information on canceling a Policy for home I am Executor for and the Assigned Agent, one that I didn't choose nor ever met, doesn't answer his phone and sent a text to my phone. I didn't appreciate a text and left message for him to call but he did not. Called again next day and again, got text after telling him not to text. I faxed Cancellation and requested confirmation of Receipt of my fax and no response. No Customer Service at all.

A friend who was Amber's home and auto insurance customer died 5/25/2013. I gave her office courtesy call 6/18/13 to report his passing. I was not paid or asked to call her... strictly courtesy. HE had insurance premiums coming due on 6/23 and 6/30/2013. HE is dead. I was appointed his estate's personal representative in October. To date, I have receive over 20 bills, collection bills for payment of auto insurance that came due a month after he died. Now I have called her office to discuss insurance and claims history for deceased friend's home. Amber's office will not return calls.

I had Farmers Insurance in one county for a very large house; premium was $1300/year. I moved to a smaller house in a different county after a divorce and the premium was now $2600/year. One year later the renewal for the same house is over $3300/year and the letter stated due to storms like Hurricane Ike which occurred about 7 years ago. My agent told me to shop around and that he hated to lose me as a customer. He offered to review any policy that I may get to make sure that it is good but I think the rate increase is coming from the parent company.

DO NOT get insured through FARMERS. My sister has gone through hell with them. They don't like to pay claims out - not fully anyway. I think her claim has been mishandled and their customer service is horrible. Her agent doesn't care that she's been put out.

I was "insured" by Farmers for home and auto beginning in 1972. I faithfully paid my premiums for 25+ years and during that time only filed two very small claims (each for less than $200), both of which were covered without problem. It wasn't until a catastrophic hailstorm hit in Colorado in 1997 that I realized how vulnerable I was having Farmers as my insurance carrier. My roof was destroyed, as was my car. My roof prior to the hailstorm consisted of spaced decking and three layers of roofing material - the original shake shingles from 1941 and two layers of asphalt shingles.

My basement finished bedroom has been used mostly for storage. I noticed that the carpet outside the bedroom door was wet. After investigating where the water was coming from. It was discovered that a water line going through the closet was leaking water. It was determined that a copper joint had sprung a leak. It had been going on for a few days. Farmers Insurance adjuster came and said the water damage would not be covered because the pipe did not burst. If it had burst much more damage would have occurred. However, my claim was denied. This seems to me to be ridiculous policy. I will not recommend Farmers Insurance to anyone. Who knows what else they won't cover. I plan to cancel my homeowners policy and my Auto Insurance policy with this company since they have lost my trust in them as a company.

On 2/4/14 I contacted Farmers' Insurance via my auto insurance (21st Century) to obtain homeowner's insurance. I wanted to expand my coverage and had heard, I could get a better rate when having homeowner's and auto under one "roof". My then current homeowner's policy was with Uniguard/QBE (since 1996, no claims). I was assigned Adam ** (Lic # **) in Petaluma, CA as my Farmers' Agent. There did not seem to be any problem with the application. I was quoted $770.- for expanded coverage (roughly the same I had been paying to Uniguard). I paid the down payment of $211.84 by credit card , and the new policy went into effect on 2/11/14. Thereupon I cancelled my old policy w/ Uniguard/QBE.

Farmers did good and took care of my flooring issue, too 9 months from the time of claim but the job has been completed!

My interior wall was blistering due to moisture. When I filed a claim, the claim adjuster told me it was due to a crack in a pipe within the wall, and as such, not covered due to "Normal wear and tear." How this is considered normal wear and tear is beyond me. Dispite my arguing, they denied my claim. When I called my plumber, he said there was no crack in any pipe, and that the moisture was due to the slab my home is built on. I called Farmers again, and the adjuster had an engineer come out to inspect. Now they have decided it is due to moisture coming from the soil through the slab, and ONCE AGAIN, NOT COVERED. This is the worst company I have ever had the displeasure to deal with. We pay our premiums each year, yet when we reach out to them they continue to fail to deliver their end of the bargain. I am cancelling my policy, and can only hope the next insurance company I contract with has some small ounce of honesty.

They NEVER pick up their calls. I always had to leave voicemails, hoping they would call me back. They don't respond to emails either. So if they call you and you miss the call, you better PRAY that they return your voicemails in a timely manner (which they don't 99% of the time). I got involved in a car accident where the car to the left of me decides to suddenly turn right WITHOUT SIGNALING OR BRAKING. She does not see me in her mirrors even though I honk, so she ends up crashing my left side. Guess what? She has Farmers Insurance too and instead of putting all the fault on her (which other NORMAL auto-insurance companies would have done), Farmers decide to resolve the case 50/50. Because we both had Farmers, they wanted to keep her happy too.

I have been with Farmers 20 yrs, had 3 claims and now I had a supervisor call me a liar. I have had it with them. She tried to tell me that my policy only pays for one roof life of the policy. Well, I let an attorney read my policy. Nowhere does that say that in my policy. This company is a rip off. Over 20 yrs, I have paid $48,000 in home insurance. I am calling the CEO to let him know how bad his field supervisor is and customer service is terrible. I am reporting them to BBB, all this trouble for claiming wind damage on my roof. This company is cheating customers. Bad insurance company.

I live in Moore, OK and after the tornado this past May I noticed my ceiling sagging in the garage and the partition separating my garage was twisted. The roof on my house is only about 5 years old and I'd never had problems with it. I notified Farmer's and they sent the adjuster out who said my policy didn't cover any of this. I had a contractor that a co-worker recommended come out because I felt these damages should be covered. This contractor told my husband the house had quite a bit of structural damage, advised us to contact a structural engineer.

On October 22nd, 2013, we were woke at 2am to heavy smoke and flames in our home. From day one we was treated like old country bumpkins. Mind you, we was at the time 52 and 54 but far from old and very far from being stupid like we was treated up until March 6th, 2014. From time of fire till middle of January we lived in a motel room and camper, had to fight for everything we did get. They wanted to repair a gutted 1998 mobile home, also told me the first problem was I had too much insurance. Well hell they sold it to me and didn't mind cashing my checks every month. They always came across that our things wasn't good as theirs or we wasn't neither. Well I am from the country born and raised in good old Alabama but I ain't no hick. Ha ha, still have a love seat and chair, 2 bedside table, a old family dresser, 2 curio cabinets, vintage desk, 3 hand carved old chest that is by far as good as I had and they said pretty much, "We are through with you too."

ON May 14, 2013 I was PARKED in my auto at a gasoline bay where I had just finished filling my tank. I had a passenger, both of us 60 something grandmas. We were hit by a truck taking a shortcut thru the station. He was insured by Farmers. When asked to provide a driver's license, he provided a Peruvian ID. They were good about paying for the damages to my car. Will give them that, they accepted 100% liability via email within a few hours. HOWEVER, we both suffered whiplash type injuries and required treatments from a chiropractor for a few weeks.

I was rear ended. So far my experience has been everything but good. The customer service is terrible and never returns phone calls. They don't call you, they don't keep you updated. This is to say I'm not with Farmers Insurance anymore and I would never recommend them to anybody else.

I was driving on a two lane highway. A man fell asleep at the wheel, came head on to me. I did the only thing I could and headed for the ditch. He clipped the back end of the car right before I hit the ditch at 65 mph. 2 weeks and we are still getting the runaround from Farmers. The man that hit me was also a Farmers customer, with the same insurance agent as me. The man that hit me will not return phone calls to give his statement, even though he received two citations, and the agent knows exactly who he is. So now, I have to claim it on my insurance at Farmers just to get it done so I have a car again. Was told to get it done where I want. Found out after work started the repair shop was not on Farmers' preferred list.

ANDREW JEWELL Ins Agency Inc is falsely trying to collect on me. Faithfully, We paid our monthly payment online. Our monthly payment was raised unknown to us. We were contacted that we were going to be cancelled. When we asked why, we were told it was because our payment was short and there were fees tacked on. I got no assistance from their office in rectifying this other than an explanation of charges. We cancelled our auto policies and home policy and moved them for that reason. I received a bill from their office stating that I owe them money for a gap between policies. Now they are trying to collect a debt on that gap. ANDREW JEWELL Ins Agency Inc is in Lynden, WA.

I have been a faithful and loyal Farmers Insurance customer for twenty years - never missed a payment and only had one claim for water damage. OUT OF THE BLUE, I received my statement to see the monthly payment went from $100 - $400.00. I didn't request any change of coverage. I don't own a swimming pool or a trampoline. I don't have any pets and I live two houses from the Fire Department. I attempted to log in to their website, but it was slower than the US Healthcare.gov site!! I contacted my agent who kindly passed this task on to his secretary. All she could do was adjust replacement cost a little and eek it down to only $4,000 a year. Of course, she tried to get me to 'bundle' and add my autos into the policy - no thank you! I am sort of glad to know I'm not the only one, but seriously, I just got the same policy from one of their competitors for $100.00 a month. Do you really think I was just going to pay the bill without looking at it?

I have been a loyal customer for 28 years on my home and condo insurance and never had a claim. This year they raised my premium from 1850 to 4628 without even the decency of writing a letter to explain why they were doing this. There have been NO CLAIMS and no fires in the area. Nothing has changed about the house. This is unfair. When I called my agent Andy ** in San Francisco, he said that he would get back to me as he thought it was a mistake. He didn't even have the decency to call me back. SERVICE is terrible!!! No customer loyalty!!! Changed my insurance!!! Never use Farmers again. TERRIBLE company.

If I'm paying Farmers...they get prompt, accurate and on-time payments. If they have to pay or refund...it's a hold-out... How long can one wait to get restitution? If the mortgage company has to add to your monthly payments to make up the difference, in your now depleted escrow account, because of a dragging of the feet by Farmers to return the money that is RIGHTFULLY yours....How is this fair? How can a company hold someone's money for 2 months? Going on 3 months... Money that has NOTHING to do with a CLAIM? And yet when called to seek information about it, they continue to mislead, misdirect and basically make excuses as to where this money is. I'm quite concerned... It's a little over $6,000.00 of concerned. To a company of this size... it probably doesn't seem like much... but to an individual on Disability... it is a MONSTROUS AMOUNT! The little extra dollars are mounting up as well every month this money is held back... I would like to appeal to the morals and good business sense of Farmers Insurance Group...Could I please have my money back soon?????

I have been with Farmers Insurance for house and car for a lot of years. My house insurance was $630.20 and now the new policy is $1,271.20 for the same coverage. Why? I call them and got nowhere. Can they do this for no reason?

I filed a complaint and basically, I gave our version and Farmers responded and the bottom line was that the insurance commission cannot enforce bad claims handling.

I filed a claim on 10/14/2013 for my real estate being damaged by wild hogs. I have a policy with Farmers through my agent, Stacy ** in Arroyo Grande, California. My property was invaded by Wild Hogs for the past three nights. I filed a claim and Eric ** from the Kansas City office would not respond to us for 48 hours while the destruction continued. I pleaded with them that I required their guidance and finally yesterday, Eric called me to tell me that Farmers does not insure Land, just dwellings. If the Pigs were in the house, I am covered. He went on to state that they would pay for Hunters and they would pay for the damage to the underground sprinkler. They stated that Farmers homeowners policies do not cover landscaping that was installed 18 months ago. Our beautiful park-like setting has been destroyed. When asked why they did not respond, Eric ** stated that he had to have teleconferences with his supervisor George in Oklahoma City. Please do not insure you hard-earned assets with Farmers Insurance. HPCS is a company that Farmers uses to deny and adjust claims to save Farmers millions of dollars. Please Do Not do business with Farmers nor Stacy ** in Arroyo Grande, California!!!!!!!!!!!!!!!!!!!

This is the worst insurance company that I have ever worked with. Not only is their customer service disgustingly terrible, they screw up payments. We have only had a policy for three months; every single month we have had a problem with them.

After three months of new coverage on three cars and drivers, I called my agent regarding a small point on my policy. It was then I was told that I had never responded to their email request/demand that I get my cars "Carco" inspections and as a result, my comp and collision had been removed from the policy. We were driving around for three months with no comp and collision - good thing we didn't need it. I had received many, many emails from Farmer's during and subsequent to my purchase of the policy. I did not, however, ever receive an email about the "Carco" inspection (basically a free, rental car-type walk around to check for boo-boos). And I never received any type of notification that my comp and collision had been removed. I gotta believe that this is a scam policy that they try to pull on many. Make sure to ask about this "Carco" inspection deal. Don't let them cheat you.

Basically, I was rear ended by an uninsured motorist so I had to go through my insurance (Farmers) to get the repairs done. Once I told them I had a shop that I wanted to go to and it wasn't on their list of shops they want to use, things got ugly. 1st they refuse to come out and look at the car. They wanted me to have the body shop email them photos and an estimate. Soon as they got the estimate, they decided they needed to see it (which is what the body shop said would happen). We could have saved a lot of time if they had just come out and gave me what they were going to give me and got the car fixed, but they want to play games.

I am currently a Farmer's homeowners customer. I am having trouble with the claim I filed on my roof. My contractor disagreed with the adjuster about the extent of damage to my roof. I ask for a second adjuster and gave several reasons. Was denied. Spoke with the claims supervisor and was denied. The people on the 1-800 number couldn't help and still haven't heard from my local agent. They agree to replace half my roof and repair 3 places on back, room addition was fine. Now I guess the front will be one color, the back will have two color shingles and the addition will have another color shingle. I accept not changing the addition but why not change the entire main roof? It is leaking but not enough shingles missing to replace.

I am an insurance adjuster and I have worked with many of the top insurance carriers. A friend is a Farmer's agent so I gave him my business. Unfortunately, I made a homeowner's claim with Farmers and here is the result. They denied the claim and after "reading the fine print" their policy is one with far less coverage for much more money. They write their policies so the consumer has to "fit" into a narrow window for the claim to be paid. I cannot recommend Farmer's as after seeing how they manage their business, it is not coverage you pay for. There are far better insurance carriers available, ones that put the customer first and actually write policies that cover their insured. I would urge anyone looking for insurance to pass on Farmer's, or hope you never need your insurance. If you get Farmer's Insurance and have a loss, they won't be there for you. You will be on your own and in a position you wouldn't be in if you had another insurance company.

The Farmers Insurance commercials say they cover everything, so there are no surprises even if a meteor hits your house you are covered. So a meteor is covered!! BUT NOT a break in the sewer line? However, their commercials are right about one thing... What you don't know can hurt you. I didn't know every little way Farmers could find to not cover the break in my sewer line and it hurts A Lot!!! All they did was try to come up with ways they could get around covering an issue that should be covered by the policy. The representative was rude and unhelpful. They left me with a busted sewage line and no help!!! Now I have to come up with the money to get it fixed and cleaned up on my own and if it’s not cleaned properly, it is a major health issue! Well Farmers, you will not leave me stranded again; I am switching companies!!! I WILL NEVER USE FARMERS INSURANCE EVER AGAIN!!!

I was asked to help hang Christmas lights at the Farmers-insured home and was told to use the ladder that was set up. I did and the ladder tipped due to being damaged. I obviously had no idea the ladder was defective. I was rendered unconscious. The fire department arrived and brought me. I was transported to the hospital ER where a trauma team worked on me for 5 hours. The homeowner was insured for $100,000 and my medical bills exceeded $60,000. The homeowner wrote and signed a statement that she knew the ladder wasn't very good, that she should not have allowed me to use it and stated she was at fault and assumed all liability. Farmers denied the claim, lied regarding conversations that never took place and eventually I had to give up.

I purchased my home in 1997. I live in the desert. In 2005, we had the storm of the century. Living in the desert, you would never expect to open your front door to find that you now have a beach front property. I filed a claim with Farmers for water damage to my roof. I live in a flood zone and am required to have flood insurance also. My claim was denied. My other neighbors all got new roofs. A few years later, I heard water running in my master's bathroom. I got out of bed to find that my bathroom now comes with a waterfall feature. I spent the whole night catching buckets of water and emptying it into the bathtub. This was not a water running down the walls waterfall, but a shooting out of the wall waterfall. Again, my claim was denied.

I was rear-ended by one of their clients and am still trying to collect money two years later. It's just fill this form out then this form. I would highly recommend you get a lawyer right away. Do not trust them or the person who contacts you and tells you she is on your side and will help all the way through this. There was over $11,000 in damage to the vehicle. They would not total it and said it was worth over $30,000. When it came to paying for depreciation of value due to so much damage to flex, it was now only worth $21,000. I am glad I was in a large Ford flex. I do still get severe headaches that I never had before the accident.

I purchased Farmers home insurance in July 2012. Four months later, I switched to AAA so Farmers had to issue a refund check. The insurance price was $714/year, but the refund check only refunded me $277 for the rest of 8 months. I tried to contact the office in San Mateo County to correct the refund, but never got any reply.

I recently switched 2 homes to Farmers. First, they try to charge you $25 initiation fees. I told them no way. I was having the monthly amounts taken automatically from my checking and going paperless to avoid 2 to 4 dollars per invoice fees. Then, I am told I cannot do that on one home that is a rental. Next, they take pictures of my houses and try to get me to do certain maintenance and clean up for them. I advised them if they were going to attempt to run my life, they should have so advised me upfront. I am switching to a different company right now. Don't bother with these people.

I filed a claim right after my home was burglarized and they had stolen all my electronics. The process with my claim began fine up until I submitted my documents to my adjuster, Mark **. After that point, my adjuster did not do any of the necessary steps to resolve my claim; in all actuality, two of his coworkers who happened to pick up his phone on two separate occasions were the ones who sent out much needed payments to me. After I was sent my Contents Evaluation Reports, I was told that with the first payment, I can go ahead and purchase my items and soon after they received all the receipts, they would go ahead and send me out my payment(s) for the depreciation that they stated in writing they were going to give to me. Recently, I was told by Mark ** that he had made a big mistake on my claim and that he had gone over the limit of my policy and will not be able to give me the depreciation promised. I am very upset and financially harmed by adjuster Mark ** **. Why? I purchased everything on that list that stated a total of depreciation that was coming to me once I purchased my belongings.

I tried to help an elderly couple get their roof fixed. My insurance, which is Travelers, had done such a fantastic job and so had my roofer. I sent my roofer to look at their house and it was horrible. Apparently, their insurance had turned them down saying the roof was not damaged. The "undamaged" roof caused problems with their ceilings in their house. They just got the check in the mail and it doesn't cover the materials to fix the roof, much less to pay a professional to do it. As soon as we can get this mess cleared up and their roof fixed enough to stop the damage, I'll be helping them change insurance companies. This place is full of nothing but crooks! They are cheating older people because they aren't able to check things out themselves. I don't know why any mortgage company would use insurance that will cost them any value to a mortgaged home. Anyone who has older parents need to check their homeowner's insurance and get it changed from this horrible company. You get nothing in return for your payment.

I asked for a quote 3 months ago from ** of Farmers Insurance located at 15233 Ventura Blvd. Ste 400 Sherman Oaks, CA 91403-2217. He gave me a fire quote, not a home quote, so I went elsewhere. Since then, he has been sending endless emails to get me to sign. He even keeps bothering my mortgage company for my personal phone number since he knows I have a mortgage. The idiot must know you can't have a mortgage without home insurance, so he knows I went with someone else. The guy's a joke.

We had a hurricane that passed Louisiana. Where I live, the wind was very strong and constant and the storm made a lot of damage to the roof and shingles on the house. I called Farmers to come and take care of the roof because I was beginning to have damage in the interior of the house also. The claim person came and said to me that my house had significant damage on the shingles and that they would call me with the outcome later that day. Wow, to my surprise, the deductible for the storm was $5,799 and the damage that they found was $3,000, so they were not going to issue any checks. I called a roofer for a second opinion and the roofer said that we needed a new roof. I called Farmers again and the claim was denied again! What is the problem?! What am I paying insurance for?! This is not a good company!

A severe hailstorm came through this area on 14 March 2012 causing damage to roofs. Possible damage was reported to Farmers sales office on Hillsboro Pike in Nashville, TN the following day. Farmers claim adjuster, Artie **, did his inspection within a few days. Because of work schedule, I was unable to meet with **. He stated in his report that there was damage to soft metal structures, but that the damage to the 4.5-year-old shingles was the result of wear and tear. He denied the claim, stating that the cost for repairing the damage was less than the deductible. Neighbors with real insurance were having their roofs replaced within a few weeks following the storm. After about six months now, almost all other homes have had a total roof replacement. These homes are only about five years old at most. This house is one of the few out of 50 or so to still need replacement. Every home within a few hundred feet has had total replacement.

Farmers Insurance office on 4220 S. Grand Canyon Dr., Las Vegas, NV deals dishonestly with customers. Not one specific incident, but throughout my business with them, they quoted wrong amounts, billed the wrong amount every month, and each of the employees had different answers, incorrect or dishonest answers. My last bill was outrageous and I cancelled the policy. At which time, they sent me an additional amount due besides the outrageous bill I had already paid. I sent them proof of another insurance policy I had in order to cancel the amount due and I never heard from them, but I did receive a collections bill. Large businesses such as this truly do not care about the customer since they know there are so many more customers out there.

I was driving down Ojai Ave. in downtown Ojai where the speed limit is 25 mph. I was going approx. 20 mph. Just to let you know, this is a tourist and shopping strip area with several sidewalks. You are very careful in the area. It has heavy police patrol. I was coming upon Ojai and Signal St. heading west on Ojai at 20 mph when a car turned left in front of me from the eastbound lane onto Signal St. just in front of people starting to cross from a sidewalk crossing Signal St. from the east of Ojai Ave. As I entered the intersection, a Toyota Highlander turned in front of me from Ojai east lane and I had no time to avoid it and we collided.

I purchased my home in January 2012. The insurance agent was given the street address and info about the home I was purchasing 45 days prior to my closing on the property. Two weeks after I closed, I got a cancellation notice in the mail, stating that my homeowner's policy was being cancelled due to the condition of the roof. I called my agent, who said that yes, the roof was a problem and that I could get insurance through a different company, also owned by Farmers that offers less than premium coverage for these types of situations.

We have insurance to cover a manufactured home. They knew when they sold the policy that it was a winter home. The home is on the market and when the HOA went in to show it to a possible buyer, part of the place was flooded. I called the insurance company and they gave the claim to an adjuster named Pam. She sent John from Service Masters out to dry the place out and take a look. He told me on a phone conversation that he thought it was the reverse osmosis and that mold could start to grow in four days. Before Pam even went out, she said insurance probably would not cover because it has been vacant for so long.

I have their umbrella insurance I made the most of since I have my auto, home, & renters with them. Now I live in MN, so maybe that makes a difference. I don't know. All the same, they replaced the roof of my house and I wasn't even having problems. A contractor showed up one day, asked if he could take a look. He said there had been some hail damage in the area. I said, "Sure, go for it," the point being he recommended I put a claim in. So, I did. I knew my roof was not a "freshie" and was going to replace it that summer anyways. I thought why not see if ol' Farmers will replace it. Now the contractor made it a point to be there when adjuster showed up. He had a ladder all set up. The adjuster just had to get out of his car & hit the ladder. He approved everything.

June 5th, today, my wife and I have been expecting a check from HPCS (Farmer's New Co. Shell) for months now. We have complied with all forms, opened our doors to their adjusters and private investigator to review the details of our claim. We were told everything has checked out. In short, our tenants vandalized and stole stored property, from a secured area in our attic and garage. The bill for destroyed property, stolen property and vandalism approaches $53,000. Today, they denied all payments saying the spikes/nails in our roof and the damage on our roof, caused by the tenants, which in turn caused water damage, was not a legitimate claim.

My experience with this company directly and my conversations with neighbors on either side of my home, whose roofs were less damaged than mine, were that Farmers only replaces roofs if more than 50% of shingles are damaged. How is it that other companies completely replace roofs for just the cost of deductible and Farmers chooses not to? Who writes the rules anyway? I pay a significant premium just as anyone else does, yet they will only do patch repairs for my roof. Other companies take the brittleness of the shingles into consideration, Farmers does not. Somehow this just doesn't seem fair. The $243 check that they cut for me to replace 32 missing shingles will not be cashed as I can't afford to replace the whole roof and no one wants to just repair a roof because they don't want to be held responsible if the rest of the roof leaks.

Someone at Farmers Insurance got information from a resume of mine and has passed it out to every Farmers agent around the country. I'm getting dozens of offers to work for Farmers offices all over. I have never had any background in insurance or any interest. Neither have I ever contacted them. The offer letters are often the same, so it's clear that the company provides the letter and has some sort of system of providing job leads to the offices. Just as they train their agents to look for customers, they train them to find new agents. Other letters are pretty sleazy offering salaries of hundreds of thousands of dollars. I follow the directions on each to remove myself, but continue to receive more from the same and other offices. I've also sent letters to the main Farmers office in LA, but I have not received a response from them.

I had water damage on the home on ** that the claims adjuster denied the claim. He said it wasn't water damage, just sand it and paint it. Now, just today on the 27th of March, he has told us that the home we are living in has not had water damage due to weather and it’s just the roof shingles curling. It’s not covered. It appears to me that Farmers’ claims adjuster do just the opposite of what their commercials describe on TV. Instead, they're trained to not give out claims instead of solving claims. I have never had a claim covered and has been 3 in the last 4 years. There is always something they find on my fault. I'm tired of it. No wonder people are fed up with the insurance companies in this country. To say I'm angry is putting it mildly—I'm furious and I am really seriously thinking about not having insurance. Period. I can save my money to pay for the damages that Farmers does not cover, which is everything. I want someone to do something about a company that lies and cheats its customers. If I did this in my job, I would be fired! Please help.

Farmers Homeowner's Insurance did not pay for my claim that was covered. Due to an ice storm, my pipes broke and from day one, the person in charge of my claim was awful to deal with. My house was flooded and Farmers wanted me to put my expensive large furniture in the garage, which would no way fit. They questioned me needing a storage. My furniture was out of my house and he questioned why and how long I would be in a hotel! The ordeal was terrible and they left me to pay $3500, at least. I had to put all my hotel bills on my credit card which were never fully paid and I got a very low-priced hotel. The nightmare was awful and I urged everyone to not use this company. I checked with BBB and saw the "F" rating for the same things I had to experience. If only I had done my homework before the disaster...

I filed a claim on my homeowner's insurance over hail damage to my roof. After having too many questions to a Farmer Claim Rep. (Ryan), phone number **, he said he would not make exceptions for me and hung up on me. His supervisor Craig ** has yet to call me. It’s been 5 days since I called Craig the first time. I have left several messages on his phone. I am a 22 year Farmers policy holder. I am very surprised by this service. I will be shopping for new insurance. If you are looking for insurance, please consider the service. When you need it most, it's not there. Please look elsewhere for insurance.

On 2/25/12, I witnessed my kitchen floor was wet and when I steeped on the lamination wood water came out of the cracks. On 2/26/12 I called the plumbers and 3 hours later they found out the problem is the copper pipe coming from the dry wall of the house to the dishwasher. I stopped the water leak and removed the pipe. Monday, 2/27/12, I called my insurance company Farmers and started a claim for water damage, and today 2/29/12 a Farmers’ appraiser, a Farmers’ agent and inspector came to my house. They checked and took pictures. I explained what happened and they went under the house foundation since my house is a raised foundation. They said it’s really wet and looks like rot on the wood of the foundation and the laminated wood flooring is wavy.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Mortgage loan and escrow has been held with Bank of America since December 15,2006. August 2010 letters from Bank of America requesting proof of insurance started coming in the mail. I telephoned Graham **, he assured me the matter would be taken care of. In October 2010, a statement from Bank of America, showing they had charged me $2,346 to replace my homeowner's policy came in the mail. Again, I contacted Graham **, stating he would correct the problem. Received notice from Bank of America credit in the amount of $2,346 was applied for homeowner's insurance and $994.80 was paid to Farmers Insurance Group for homeowner's policy.

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

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

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

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

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

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

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

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

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

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

When you purchase homeowners insurance in MS, the insurance company tells you how much insurance you have to buy, based on the cost to rebuild your home. When you file a claim, the first thing the insurance company does is start depreciating everything. You buy the policy based on the cost of rebuilding your house but they pay the claim on depreciated values. Secondly, by requiring you to buy a specific amount insurance, they are in fact setting the deductible (for hurricane damage) of 5% of the amount they make you insure for. So now they are getting you at both ends.

I have a farmers home owners protector plus policy with a $500.00 deductibles. I bought the policy in April 1996, sq footage is 615 sq . Policy's sq footage was changed right away in May, June 1996 to 1,050 and 1,070 sq footage. I contacted the agent, said the sq footage is wrong. He said he'd take care of it, but never did call. I wrote letters in person but still not changed year after year went by. And I am still on this person's case. They tell me okay, then not do anything all this time. Now, I have been over charged on my premium double plus fees. The agent died and still no change. New fill in agent told this person he really did not want to mess with it, he was temp only.

Storms damaged our roof in March 2010. Farmers refuse to acknowledge the extent of the damage so that it can be properly repaired. Our home is a major asset in our estate and what they want to do will decrease the value of it as an asset. The adjusters told us one thing in our living room, but what they wrote up was different. Then they screwed up all our car insurance. It looks like to be harassment to me.

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

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

Farmers Home Insurance charge is unbelievably high. At the end of 2009, I switched home insurances to better offers for all my properties. Liberty Mutual and Allstate refunded the remaining balances immediately. James ** with Farmers would not cancel the policy. Instead, they told me I had to write a letter.

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

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

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

I am a homeowner who has had insurance with Farmers Insurance on this home for the last 9 to 10 years. When I purchased this home in December 1999, it went through inspections and later found out that the roof had to be replaced. After the roof was replaced, it was inspected again and we closed on the home. Farmers gave it a clean bill of health, so to speak. In 2005, El Paso experienced inclement weather, which is not out of the ordinary. Rains, strong winds and I started to notice leaks in the master bedroom, garage and front entrance to my home. Farmers came out to inspect the home and the adjuster took pictures, measurements and she said I should have a warranty on this roof.

I had a homeowner’s claim for storm damage, along with a large portion of my city, and had a senior adjuster from Farmers show up and tell me I had only hail dents in my vent on the roof and a hole in my siding - no roof damage. So, I had to call and complain and email the pictures I had taken of the actual hail that hit my property to my agent and she called claims as well. I got a second "inspection" to be told they would only replace 56 shingles on my whole roof. They totaled my garage metal roof and paid for all the gutters and downspouts for hail dents. But they adamantly refuse to pay for the older part of my roof claiming “wear and tear". But I had the home for only 2.5 years before this claim.

About my homeowner's insurance that I have had for 12 years. I paid on time all the time. I had hail damage to the siding and roof, confirmed by 2 contractors. The houses on my street were repaired by their insurance companies. After an adjuster looked at it, they denied the claim. Then, I received a letter from them saying that they do periodic inspections to their covered properties and there is damage to my roof and siding, so they are cancelling my homeowner's insurance.

Marianne was my home insurance agent for many properties over ten years. Her quotes were always very high. I got her flyer in the mail. Since I was busy, I didn't try to get the quotes from other insurance agents. But whenever I had time, I requested from other insurance agents. I could get better rates. I changed to other insurance policies in the past several years but kept one. Until 5/09, I requested Marianne to try to give me a better rate for the rental property that I kept with Farmers. But she insisted her rate was lowest unless I increased my deductible. So I requested the quotes from AAA. I got the quotes that were $500 less than Farmers. It could be applied to different deductibles.

I had a slab leak under my kitchen sink, which was reported on May 14, 2009. I was told to get an estimate for the repair. I submitted two estimates, at which time, they told me I would need to get more, because they felt they were too high. After submitting another, which was higher than the previous, they gave me a check to begin the work of pulling my kitchen sink, counter, backsplash, and cabinet to get to the leak. During the removal of the cabinets, they fell apart due to water damage.

I bought a home in September 2008. When I bought the home, I knew that I needed to do major remodeling and extension to make it livable. I called the insurance agent and asked for a quote explaining to her my intent for extension. She gave me a good quote and also advised me to not ask for an inspection since Farmers will figure out that I am doing major remodeling and my insurance rate will go up. She did mention that she is giving me same coverage as with inspection but cheaper.

Having wind at speeds over 75 mph, I inspected our roof. After noticing substantial damage, I contacted Farmers claim service. They sent out Chuck ** of their Catastrophic Claims Team. I was told that I only had $596.39 in damage. All the while, my roof felt is showing. My neighbors next door, behind me, across the street all have new roofs. The roof on my house has much, much more damage. I contacted a roofing contractor, Barrett Roofing Service. They have over 28 years in the roofing business. They inspected the roof and suggested I call Farmers again and have another claims specialist come out. They could not believe that Farmers had rejected a new roof. This time claims representative, Duane **, came out and met with my roofing contractor. I was again told that my claim totaled $695.73. My contractor was dumbfounded. I also hired a professional engineer who stated that the roof needed to be replaced. I received a letter stating that the county building code verified the 3-tab roofing met current code. What does that have to do with anything!?

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

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