State Farm Homeowners Insurance Reviews

We had homeowners insurance with State Farm for at least 5 years and never filed a claim until 2023 and 2024. Both claims were for wind damage to our house roof which occurred on several occasions. Several independent experts in roofing advised us the damage was caused by hail and high winds. State Farm inspectors, however, stated that there was no weather related damage although many shingles were displaced and hanging, in the gutter, or in the yard. State Farm wants your money but balks on settling a claim in favor of the customer. We cancelled our policy with State Farm.

As a Licensed Claims Adjuster In Illinois State Farm has been like dealing with a company in a third world country. Bad Faith is a normal practice and they have no regards to policy language, ethics, facts, or empathy for the members. They treat members funds like it was their own personal bank account (I don’t owe you what’s mine). When it comes to lawsuits they are happy to spend the insureds funds on legal battles after extreme bad faith practice.

After being a customer for 41 years, they dropped our coverage effective 4/24/25. We have had a total of $13,299.14 during that time. Obviously, we will also be dropping our car insurance with them. Extremely disappointed. We will never recommend them to anyone for insurance. Pretty evident that State Farm is NOT THERE for all of their life long customers.

I asked for an adjuster for an unidentified roof leak causing damage inside my home. I was told I can only get interior repairs covered. So I asked what happens when it begins to leak inside again. I was told the adjuster would return for a new assessment. Now I see commercial with A list celebrities. Thank goodness they allocate our money to the right places.

The worst customer and vendor services I have ever. It takes more then 30 mins to wait and the numbers the Statefarm reps and emails give out are not even for the right divisions. The AI/ computer automated system is the worst for speaking with. What happened to Statefarm reps being accountable for their claims?

I know State Farm well and in auto, they are 100% awesome! I had a fire and lost everything in my house and had $240,000 for contents. My adjuster has depreciated everything so much that all I have in my house is a bed. My kitchen is complete but as for furniture, etc my adjuster is nickeling and diming me to nothing.

Had State Farm homeowners insurance for over 20 years and over the years made 2 small claims around $500-$1000, but when I really needed the insurance for roof replacement due to storm damage, they denied the claim and had multiple inspectors come with all of them writing reports that the roof needed replacement. They offered like $2500 and by the time they subtracted the deductible they offered us like $300. We filed a lawsuit and won over twice what the roof was worth so they lost double the money. Then they jacked up our premium by $600 so $3600 new premium. That's when we canceled and got insurance through a superior company for $2100. Their "like a good neighbor" slogan is a joke. The ordeal took almost a year to get resolved with their delays and the lawsuit.

Filed a claim for roof repair/replacement for damage during Hurricane Helene. My roofing company estimates ~100 damaged or missing shingles. S/Farm adjuster "implied" he would recommend full roof replacement more than once. Now Feb 20, 2025 and still fighting S/F. They continue to deny claim and offer to pay for approx. $2,000 for roof repair and water damage to walls and ceiling. Less than my deductible!! Working with my S/F agent and roofing contractor, have performed all tests and "jumped thru all the hoops" that S/F Adjuster has required. And the response yet again is "this roof is repairable" so claim for full replacement is DENIED.

We've had State Farm insurance for both home & auto for well over 50 years. In late December, 2024, a pipe burst in the upstairs master bath while we were gone, so we don't know how long the deluge lasted. It ruined the floor & vanity in the bathroom, as well as flooding the daylight-finished basement m-i-l apartment (not lived in). The main damage on the lower floor was to the area directly under the flooded bathroom, but the entire area was carpeted and because we've been planning to move, we had packed boxes stacked in the living area down there, along with the furniture.

13 years with State Farm with everything from cars, motorcycles, boats, home, renters insurance and after a hail claim in October 2024- State Farm decided to cancel me 12/9/24 and state this was per my request, which said request never took place. Misunderstanding? I thought so at first, then I quickly realized after they would not reinstate me due to they no longer cover my zip code, that they canceled me due to my having a second hail claim for my roof in 13 years.