State Farm Homeowners Insurance Reviews

Title: Avoid State Farm – Terrible Service and Risk of Being Defrauded

I am currently having difficulty obtaining any information or updates from State Farm regarding my claim (State Farm Claim No: **). On 08/27/2024 lightning struck my home and damaged my roof, alarm system, sauna, and several appliances and devices. The same day, I made an insurance claim and received my claim number from State Farm. The claim has been transferred through 6 or 7 Adjusters and I'm not sure who the current Adjuster is.

I've had State Farm for auto for more than 40 years and home owners for more than 30. Several years ago we had hail damage...holes in our siding, all the screens torn, dents in our gutter helmets. State Farm said the roof was fine. Fast forward, shingles are blowing off during every strong wind. All roofing companies immediately "frowned" when I told them we had State Farm. We filed a claim. State Farm said the missing shingles could be replaced and there was no hail damage, recent or otherwise. The estimate was well below our deductible. We had to replace the roof completely at our own expense. The adjuster told us State Farm would no longer be in the business of replacing roofs and we should just plan for the expense in the future. By the way, even if State Farm doesn't pay out a time, it is still recorded as a claim.

I’ve had State Farm about 10 years now for home/auto insurance. There was a tornado that hit in July and it ripped parts of the roof, siding and there’s extensive water damage in the second floor of the house where water came pouring in. Every room has ceiling and wall damage as well as hallway in which the ceiling collapsed. There is insulation in the ceiling and it soaked up the leaking water and got so heavy the ceiling’s starting coming down. I have a $2500 deductible and all they want to do is patch it but both sides are damaged. They basically want to put a bandaid on it by replacing a few shingles. The roof is only 14 years old and isn’t even halfway at its life expectancy plus they no longer make those shingles. They missed half of the damage and all they’re giving me is $5400 which will probably pay for about half of the damage to the second floor.

State Farm auto and home insurance: Auto insurance since 1992; current cost=790/yr, Condo insurance since 2015; current cost= 546/yr, Apartment insurance for years prior to buying the condo. A lawyer told me State Farm is now one of the worst insurance companies. They have appeared in many news stories for dropping homeowner insurance policies using drones and absurd excuses. This makes me think my experience isn't uniquely bad.

Was informed by State Farm via US Mail that my policy would not be up for renewal in February 2025 unless I replaced my roof. They say pictures from Google Earth suggest that I am losing gravel on my shingles. This roof was replaced in 2016 and has absolutely no issues. After a wind mitigation report and a report from a licensed roofer (the one that installed the roof in 2016) saying I should have 5 years of life left, they still say replace it or lose coverage. We are leaving State Farm who we have had for home and auto for 30 years with only 1 claim paid during all that time. No one should have to install a new roof every 9 or 10 years to pacify an insurance company.

This should be a negative five-star review. I battled State Farm for two years over a bad hail storm back in 2022. Fifteen houses in my area got new roofs from the same storm, and I was denied for two years. I was told by the State Farm representative that my roof did not sustain any damage, but they would replace ten shingles and it would match fine. Now, I receive disapproving looks from neighbors over the "match" State Farm claimed it would be. I have pictures of the roof to show people that State Farm does not care about their "neighbors" as they claim. I have been with State Farm for years, and for them to treat customers like this is appalling and unacceptable.

Our home was directly hit by a tornado in February. It is now early July and we still do not have repairs to our home, on our 3rd adjuster (first one I asked to be removed from our claim because she lied two times that we know of), and trying to get ahold of them is impossible and when you do, they do not send the information agreed upon on the call. They have closed our claim after sending a check for less than a thousand dollars for whole home siding replacement saying we should patch it, this goes against Ohio code Rule 3901-1-54(I)(1)(b). The claim is not closed. I’m not even sure what the point of paying your insurance premium is or what’s more unfortunate between getting hit by a tornado or having State Farm as my insurance provider.

I had severe damage to my rental property from a bad storm, there was damage to both bathrooms ceilings, and damage to to my living room ceiling. The State Farm adjuster chose to repair the damage to just one bathroom, he stated he wasn't going to cover my 2nd bathroom because he said it was caused from wear and tear, I sent him numerous pictures showing there was stains from the rain storm but he still chose not to cover the 2nd bathroom. I don't understand how they pick and chose what they want to cover, I probably should have gave just 1 star but they did cover my living room and one of the bathrooms.

I was with Statefarm for over 50 years. I noted a water leak in my bathroom. I called my Statefarm Agent Steve ** in Miami and was told the leak was not covered under my homeowner's policy due to wear & tear.. They didn't even offer to send an adjuster to evaluate my claim...I don't Recommend State Farm Insurance.