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I live in the Kankakee/Aroma Park, Illinois area and last week we had a massive wind and rainstorm. I had an inch of water in my once furnished basement. An agent came out, didn't take pictures, no measurements, or check my sump pump or the back up to the sump pump. I have 6 rooms that were flooded, he told me I didn't have $1000 worth of damage so they cancelled my claim.
We've had homeowners through State Farm for 20 years. We've had car insurance longer than that. My entire family - parents and siblings have had State Farm for car and home for at least 50 years. My husband and I got a cancellation letter because we didn't replace some boards on our house. I informed SF, Wells Fargo and GA that we haven't seen an agent in 15 years. I was told that they sent a letter in 2016 about "some boards" needing replacement. No pictures, diagrams or a human to point out which boards need to be replaced. SO, they sent ONE letter TWO years ago, no calls/voicemails/emails/person, and SUDDENLY, we get cancelled.
Even today, the State Farm lady didn't offer to tell us which boards need to be replaced. We don't have leaks or anything hanging or floppy or damaged, so how the heck are we supposed to know what to replace? What if we just take a guess and replace boards that State Farm wasn't concerned about? Although, State Farm is all my family has ever dealt with, I am apprehensive about them now. Who is running the company that approves of a process of telling a homeowner to replace something, refusing to show them what to replace, then cancelling them even though every payment has been made on time? They don't deserve our money anyway.
State Farm had me as a customer for over 11 years. I had some water damage that was caused by my upstairs neighbor, twice in a few years. She refused to pay and refused to give me her insurance information. So of course I put in a claim with State Farm not knowing how bad it would get. They did pay out, less than $2k total over all incidents. They never went after the upstairs neighbor's insurance company even though it's settled law in Illinois and explicit in the condo documents that she is responsible. Now not only have I been non-renewed, based on the information they are publishing about me. I cannot get insurance on it. I'm going to have to be homeless basically because the insurer of last resort has such sky-high prices I cannot afford to keep the place.
They have also recorded fraudulent information about claims experience on my auto - publishing as a bodily injury claim something that was just a collision claim. I assume they do this to jack up rates that you see with other insurance providers to prevent you from switching. State Farm is a company to be avoided. They have unethical business practices. The people in the business just say all decisions are made by computer. I was told by an agent Chris ** in Illinois that "well, you should not have used the Insurance you paid for over 11 years...everyone knows you don't actually use your insurance..." So again, it's a mob protection racket. If you don't pay your protection you get homeless. If you try to actually use your protection you get whacked so you can't get protection, and then you get homeless.
After more than 40 years as a State Farm customer - auto, personal belongings and homeowners - I am UTTERLY disappointed and shocked. We discovered that our water heater (located in garage) had a leak when the baseboards in a bedroom began to swell and the carpet was damp. Investigation showed that the water heater had apparently sprung a slow leak - and the water ran down the stand in into wall adjacent to bedroom. As soon as we discovered, we did all the right things with calling plumbers, disconnecting water heater, etc. Work began with State Farm - recommended partners to mitigate it all.
After water heater was gone, walls were demo'd and dryers and dehumidifiers are in place, the claims guy comes too and says they will deny claim. I appealed and his boss denied as well. Reason was that the leak was 'over time' and they don't cover that. Because there was some 'rust' or discoloration in a photo on stand cover, they used this as evidence the leak had been for a prolonged period of time. IN fact, the discoloration was from years ago and never replaced. YET - 8 or 10 years back we had a similar claim on a leak behind refrigerator and it was fully covered. When I asked why the inconsistency, they said - "perhaps the first claim should not have been covered".
I pay for same policy. I expect same coverage. I am not please with weak effort of my agent - who also expressed a bit of surprise at the claim not being covered. Seems the company is a bit arbitrary about what is covered and not covered. This reasoning suggests they only cover 'explosions' and not slow leaks and that the homeowner should check every pipe in walls and under counters weekly to see if there are any 'seeping or slow' leaks. ABSURD. I intend to take all my business elsewhere. Be very careful with State Farm (formerly very reliable - now nothing buy hucksters).
My chimney on my house fell down causing considerable damage. State Farm plans to deny my claim due to deterioration of the brick. Less than a year prior to this incident a State Farm adjuster was at my house for a claim due to damage as the result a water leak in my ceiling. Adjuster checked my roof and he said that the roof was in great shape. Never once said that either of the chimneys were in bad shape and if not fixed they would cancel my policy which what they generally do. Now the chimney fell down and the house is condemned and the furniture is ruined. Over 20 years a State Farm customer.
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After a storm that damaged my rental property, State Farm depreciated all the damaged property and refused to pay the bid to fix the roof, saying the roofer was overcharging by $200. Then canceled my insurance. My first claim in over 25 years.
Whatever you do, please read the fine print. They will say anything to get you to sign a policy but when you need to file a claim, they are quick to deny you. I had my things destroyed in an storage unit due to rainwater and rodents and they denied my claim stating that I can not show proof that there were a storm and rats eating and pooping on all of your things is not covered. So now, I am sleeping on the floor and have no good clothes to wear to work or TV to watch or even a toaster. Thanks, STATE FARM, you really were there for me when I needed you most (NOT).
Our entire city sewer got backed up into our basement completely out of our control. We lost thousands and State Farm did nothing. They have a business model where the agent pretends to be on your side fighting for you. The reality is that they are all one company and it is a complete work. I’ve known others who have had multiple lawsuits with them because they refused to pay. They won’t even cover damage to a house from a storm. What’s the point in having insurance if everything out of your control isn’t covered? I will be searching high and low for an actual reputable company if there is one and reading the fine print extra carefully.
Property has had very limited claims, when I phone about possible claims agent has said that is not covered. It is a generally covered loss by some other insurance companies. "Always goes back to the deductible," he says. Really? I found agent to be very questionable during auto experience, said, "Car rental was paid at 80%" - which is not what policy stated. Is also acting with discrimination. After having crunched the numbers on a repair yesterday for tax extension, overall on homeowners they paid a small amount for actual repair costs.
Agent's (Marcella of State Farm Olean NY) lazy employee decided it was easier to cancel our whole new house insurance policy, rather than have home re-inspected for construction details. Whined about aluminum siding and concrete slab foundation when house is clearly (and is clearly indicated by our pre offer inspector) vinyl siding and split level foundation. (Big difference if you are a qualified insurance inspector!) Now we are left with no coverage on a house that was scheduled to close TODAY! AND the refund check is less than what I paid!
Just discovered I was charged 40% more for my home insurance. I discovered this when I received a letter from my mortgage lender that my payment is going up in March by almost $300 more a month because my insurance billed them for close to 1,000 more last year than previous years. When I asked my agent her answer was that we lost a 15% auto discount, I pointed out it wasn’t 15% but 40%. She later emailed me apologizing for her mistake that it was actually a 35% auto discount that we lost. After some research I found out that no such discount exists. Further State Farm’s own website clearly states that the multi line discount is UP TO 17%. I believe they spiked my insurance rate unjustly and billed my mortgage lender but did not make me aware of the charge.
I filed a claim when my HOA billed me for damage they claimed a visitor had done to property. They hadn't followed Ca laws to bill me, but they accepted and reviewed claim anyway. They spoke to three witnesses and then approved the claim. I asked to see what my HOA submitted and the invoices did not match ANY of the damages. I complained to a higher up and he said NONE of the witnesses claimed they saw ANYTHING. How was this approved? He said that he had no info that it had been. It actually was, I told him, by the agent and her supervisor and I had to point out to them the info they had received was bogus!
They didn't even look at it! The agent said the amount didn't warrant any investigation. None was needed, just an actual LOOK. Wow... How completely irresponsible. No wonder insurance is so high. The higher up didn't do anything or feel there was a problem. Are you kidding me? No wonder insurance fraud is such a big business! They don't even thoroughly investigate. Not to mention admitting liability when it's not yours is a very dangerous game. We depend on our insurance to only accept when our liability is proven. Not when blatantly proved not to be.
My mom lives in the Atlanta Georgia area and has State Farm for 35+ years from home, auto. Really being overcharged but that's another story. My mother has never filed a claim. Her house burned November 2016. They said she had lost everything. So when your insurance company tells you that you trust them. They say your property damage coverage is $93,000 you will be okay. 1st lie. Knowing what I know now I should have bought a PODS storage unit and cleaned my furniture and kept it. We didn't take any pictures because there again we lost everything. They didn't explain the need for pictures, but they took pictures. "Ms. ** everything will be okay. We will take care of you. You've been with us a long time."
2nd lie. We get moved back in July of 2017. WHAT MY BIGGEST COMPLAINT IS if you have lost everything WHY MUST you have to fill out this stupid inventory sheet. For every item you could have possibly had. Room by room, drawer by drawer, closet by closet, window by window. I mean really. I guess this where the pictures would have been helpful to us I guess. It really didn't make a difference. Anyway, they only said with depreciation her entire house is only worth $16,000. Are freaking kidding me.
Mind you we had to pay utilities at the rental they put her in. I have been going back and forth with Mrs. Wendy ** on how the content needs to be verbaged. I have to tell every name brand / type of the shoe, shirt, skirt, purse etc. By how long I had it. To how much I paid for it. I did all that to the best of my ability. Get this to top it all off the lost my father's military flag that they said they were going to have cleaned. They asked my mom was it anything in the house that need desperately to keep. That was my father's military flag, her dad's watch, her mom's cast iron skillets, and a picture. They took those items away to have them cleaned and ready when she came back home.
Of course nobody knows where they are now. They lost it and no one knows what happened to them. But you want to harass me about how I sent the receipt information. My mom's mom died the very next day our house burned down. So now she has no memories of her parents nor the love of her life. Now that the new house is built they have increased the insurance coverage. She went in debt thinking she is getting her money back for each new item she purchases. They are not giving us any more money. You ask what happened to the $93,000 coverage that she so faithfully paid every month to have coverage in case something bad happens.
THEY KEEP IT. And there is nothing we can do. I can't imagine an senior citizen having to compile all this information alone. This company is getting over big time. Some people just give up cause it's clearly too much. Whatever I purchased I need it. Why do I have to tell you the line item I am replacing. Anyone knows what it cost you to purchase furniture years ago is way cheaper than now. So why would you give me the price of my living room what it cost back then. I know GOD is going to make a way to get back everything that we lost.
It cant end like this. My representative was very rude and disrespectful. Not understanding that we don't understand what she is needing. No patience like it was the day of the fire. I refuse to talk to her. When I get off the phone with her I am so confused even more. I have to wait 2 years before I can cancel. I have to purchased all my items for my house before November 2018. My mom is on social security. She can't possibly purchase a entire house in 9 months. Overall this company is not loyal to even the best customer. Awesome company until you file a claim.
I've been insured via State Farm for decades. My policies over the years included homeowners, car and renters. I never considered even getting quotes for other insurance even though I could have likely saved money doing so, why? Because State Farm was my insurance company and my parents insurance company (i.e., it was the family’s insurance company).
This all changed when I was victim to a home robbery. My first claim was for damages incurred and possessions stolen was $3K. The next robbery 3 months later was only damage, due to having anticipated another attempt and hidden all items to likely be stolen, was only $500. Five months after being rendered a victim a second time I received a letter from State Farm thanking me for being a loyal client but conveying their intention to not renew my homeowners policy, two months prior to renewal. I understand Insurance companies work the numbers and play the odds to ensure they're on the positive side of the money game, I don't fault them for responding to my break-ins. I do however fault them for choosing to terminate my homeowner's policy with no warning. Never did my agent convey a likelihood that my insurance would be cancelled if I filed the second claim - never.
What's worse, when I requested an appeal of the ruling, which was granted, I was unable to speak on my own behalf but instead had to really on my very ill-informed agent to speak on my behalf. Did she convey that I spent over $10K replacing perfectly fine windows with unbreakable windows, installed a $2K HD surveillance system, installed a $1K security door and reinforced door casings of all my doors leading outside with steel (to prevent intrusions), all at my own expense? I highly doubt it. But even if she did, apparently it was for not because the finding was the same and no renewal would be granted.
I would've fully understood a raising of my premiums based on the break-ins, of course, but severing the policy with no warning is simply not a sign of a "good neighbor". "Good neighbors" are supposed to be there in your time of need, not just when you don't need them or their service at all. In all the years I had homeowner's policy via State Farm I only needed them twice, but apparently that was one time too many. "Like a good neighbor"... Please, the day I received that letter from State Farm was the day I was rendered a victim for a third time due to my traumatic burglaries. With "good neighbors" like that who on earth needs bad neighbors? I had all my car policies transferred elsewhere and will never do business with State Farm again. Never!!!
We have been State Farm policyholders for 35+ years. We recently had a claim with water damage in our basement. They have apparently changed our deductible two years ago without notifying us. Our deductible went from $2500-$7980. Basically there wipes out any cost to State Farm in terms of our claim and leaves everything on our responsibility. I have heard through the years that State Farm is a terrible insurer. Now I have experienced it. Buy my insurance in another company. They are the worst!
Save yourself the trouble. Find another company. In the past three years we have had continuous damage to our roof. We've gone through major wind storms and even the most recent hurricane. Both of my neighbors have had their roofs replaced... By the way our roof is 18 years old and this is the only claim we've ever made to State Farm. This company is terrible and I'm going straight to my agent's office to get yet ANOTHER adjuster out here.
We recently moved into a new home and canceled State Farm Insurance. We spoke to rep who would take care of it only to receive a bill for a period of time that we no longer lived in the house. Called again, was told that we would be refunded, never received refund and was billed again. We are now on our third attempt to cancel and were told we would receive no refund. Avoid them at all costs.
I have been a SF client for over 10 years, with home, autos (5) and umbrella liability coverage. I had submitted a claim for water damage to a portion of my house, consulted with my agent before submitting the claim and was denied coverage. I expressed my disappointment to my agent who told me he would see what he could do. He asked for me to get a quote from a contractor for repair and I did. After a couple of months, and numerous inquiries by me as to the status, I was informed by letter from SF that my homeowners coverage was not going to be renewed. The reason: for the claim I submitted that nothing was paid on. I have the letter that states that very fact (glad to share with you and all the emails to this agent).
My word of warning is to all members of the community that live in Long Grove, Buffalo Grove, Lake Zurich and Hawthorn Woods, Illinois area... Stay away from this guy and his company!! Ryan tries to act like he is a caring member of community (acting president of the chamber of commerce for Long Grove). But he is not! He regularly uses the following lines with customers... "Let me see what I can do with corporate" or "let me talk with corporate and see what I can do". When you hear these words...run! Total BS. Start looking for a new insurance company. This guy and SF are totally incompetent and do not back their coverage. Remember I did nothing that I was not told to do by my agent. Happy to share all documentation on this company and individual. You have been warned!!
In October 2017, we found out that homeowner's insurance provider State Farm was a bank client of our mortgage servicer JPMorgan Chase. Neither business disclosed that they were in business together. Since Chase took over our mortgage in 2013 our insurance premiums have increased significantly. After 25 years as a State Farm customer we bought a new policy and cancel the current one with State Farm. After over twenty request to cancel the policy since October, State Farm is still refusing to cancel the homeowner's policy and refund our money. We cancelled every policy we had with State Farm and every refund check we received was from JPMorgan Chase. Illegal. Avoid doing business with State Farm.
Have been with them for years. Would really like to change companies but just don't seem to have the time to investigate other companies. We have the old mold policy on our homeowners insurance that we had grandfathered in when they dropped it as normal coverage years ago. Afraid to drop it in the event we have a flood and get mold.
I opted to buy insurance from State Farm for my older model mobile home as the rates seemed reasonable especially given the beautiful condition of the home. The salesperson did not explain to me any aspects of guaranteed replacement cost. Two months later someone broke out 10 windows in the unit. This company told me that my claim was one of $4,200.00 but with depreciation offered me $42.50. I was totally disgusted as that would pay for fuel to Lowe's to pick them up. I am now seeking intervention with the Insurance Commission, The State Attorney General and the BBB.
We have had State Farm Homeowners for over 30 years with no claims. When we approached office about filing a claim for a ceiling collapse we were told that you were allowed one claim every 30 years and that if we called the adjuster for an inspection that the inspector would likely find some reason to deny the claim... installation fault or structural issues... even though house is over 50 years old with no issues. Even though a claim is denied they said, "It would count against your once every 30 years allowed filing." They said the chance of cancelling policy increased with claims or even claim denial. This was very disappointing and made us question why we have insurance with this company. We chose not to file a claim and will explore other insurance companies as well as report this information to regional office to verify if correct.
I have had this insurance for more than 20 years and never once had occasion thanks be to God to call upon the company. My agent is indifferent, doesn't make a difference and I should be more gracious but this is what I feel.
Had a claim rep come out, looked at all damage, gave me a check then I question the fascia on my house because the new material was not going to match. The claim rep said, "Yes we will replace all fascia due to it not matching." About a month later called them again and they gave my claim to another rep so I told that the other fascia (lower one) and soffit won't match top fascia that they agreed to pay for, but the new rep said, "No we are not paying for it." Went to my agent and he agreed with me and I still got a no. It is sad how a company can say yes to one thing and then later say no to it again. Very sad. I will go to headquarters to complain also. Not fair that this can happen to a customer with great standing. Was not fault that we had a bad storm and now my place will look worse due to them giving me some and not all so it won't match.
My agent Justin at State Farm is the best! Unfortunately, I had family issues come up all at the same time and needed more time before starting my services. Justin did exactly what I asked of him and he didn't forget to follow back up with me. His advice was superb and I couldn't have asked for a better agent. I am happy to be a part of State Farm!
My agent and his office in Centerville, Ohio of nearly 25 years for home, car, etc. has become completely incompetent and after 2 1/2 months and 3 phone calls later and promises to have someone look at my damaged roof from a storm, they still have not come out. I will be promptly terminating my policy and will speak of State Farm as the WORST 'Good Neighbor' you'll ever have unless you're living next to scum...
I have been with State Farm Jeff Hamilton's office for 10 years now and can say they have always handled my issues quickly. I've have a broken pipe that caused a flood in my home, a house fire, and broken car windshields. State Farm has always come to my aid with no hassles. I would give them an 11 out of 10!
I've been a State Farm customer for fifty years, never filed for anything but a few windshields and perhaps one fender bender. Recently a 10 ft by 6ft section of my roof blew off, anyone could tell that another section was about to come down and much of the other roof was in bad shape. I called several roofers and was told it certainly was an insurance condition as we had a hail storm just 2 weeks before. I filed a claim and was told to get a roofer to put a tarp on it to prevent inside damage (I guess that might have harder to get out of paying for). I did this and paid a roofer to put some tar paper and a tarp over it. When the inspector called I told him that the whole roof was bad needed to be replaced, he told sarcastically that, "We'll see about that". I knew at that point the outcome had been predetermined.
He said all it needed was some shingles and it did reach my deductible. Also the appointment had to be made to meet his schedule not the customer's. I called Baxter Griffith agency (my account) and told them I was not happy about the whole experience and Nicole had someone from the claims section, a Mr. Lowell ** call me, he told me to find one roofer and have him give a quote and to write up the reasons he thought the roof needed to be replaced and he would do what he could to help. He did. I was contacted by Richard **, claims dept. He scheduled an appt then called and canceled because it might rain and he could get on the roof (didn't rain until 5 o'clock). I had to take another off to meet his schedule. When he did come out he was in street clothes, no large ladder, nice man told me a few roofing stories and finally told me State Farm wouldn't cover anything.
When I told Mr. ** that I paid to have someone cover the hole in roofing he said they would pay for it (this whole process has taken 5 or 6 wks). No sense of urgency on anyone's part. I finally got a call from a lady in the claims dept who she would put the 2 amounts together and pay half of what it cost to have the roof tarped, even after they were the ones who told me to have it done. Since 1967 I paid premiums amounting to over 150k dollars, I always thought of State Farm as the gold standard but it appears you have no standards at all. The roofer I got had no horse in the race, I told him I was going have to replace the roof even if State Farm weaseled out of it.
This whole process with State Farm has been the single worst I have ever had with any company about anything. I certain plan to tell everyone on every social platform available to me how utterly disappointed I am with your company. I am 74 and have to find 10k to replace my roof. The roofers I had look at my roof were surprise that it was not covered, but added but it is State Farm. I guess that says it all. Thanks for always getting premium notices to me on time, never missed those. If the house burned down I guess you all would claim the electricians that wire were incompetent. Very sad, but these things have a way catching up to companies asked USAIR, GM, Chrysler, Penney's, Sears, Toys "R" Us, etc.
My daughter's neighbors tree fell on her house during a storm. State Farm told her not to touch anything until an adjuster came. After calling every day for 7 days someone finally asked her if she had removed the tree because she needed to do that before the adjuster came. They then told her they would not be responsible for any mold damage due to her house having holes in it. We are now over a week and no adjuster. No one helped her in any way. She had no electricity or gas. She does not live near family. She was told to keep receipts. With deductibles and paying a tree service. She can't afford a hotel. I have friends that have another insurance and they put them in a hotel and made sure things went smoothly and helped lessen the stress. I have been with State Farm forever and never had a bad word against them but after this I will be looking for a new insurance company and will tell everyone that State Farm is great as long as you have no claim.
State Farm canceled my home owners insurance for a claim in last 3 years with no prior claims and the new claim was CLOSED with ZERO Payments made - The CLAIM ended up not being needed. Now I can’t get insurance with other companies because they reported this. What on earth is going on in this country when people can get insured to rebuild multimillion dollar homes in coastal regions time and time again and insurance companies lock out working middle class people (my home is $140K in value) from keeping insurance and potentially my mortgage because of now not being able to get replacement insurance due to how State Farm reported a ZERO paid claim. WHERE IS GOVERNMENT REGULATION to protect consumers from these crooked companies.
State Farm expert review by Matthew Brodsky
State Farm is one of America’s largest and most popular homeowners insurance companies. Headquartered in Bloomington, IN, the company has been providing Americans different types of insurance since 1922.
Financially strong: State Farm is a large, reputable company, and it is a financially safe choice when choosing a homeowners insurance company.
Good reputation: State Farm is one of the largest and most used homeowners insurance companies in the world, attesting to its reputation as an excellent provider.
Additional programs: The company offers additional programs beyond basic homeowners insurance. These include a Florida and Louisiana Hurricane Mitigation program and discount programs for people who are claims free, using multiple State Farm policies, and who made steps to increase home safety like installing fire sprinklers.
Customer service: Many customers complain that customer service is impersonal.
Coverage: State Farm’s homeowners insurance policies have limits, and they do not cover business pursuits at a home. Business owners working at home should be sure to get a commercial real estate policy to cover the space they use in their home and their work belongings.
Best for: Traditional homeowners, condo owners, farm owners, mobile home owners
State Farm Homeowners Insurance Company Information
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- State Farm