State Farm Homeowners Insurance Reviews

I tried to make a claim because another owner beneath had water damage. I was on hold for 45 minutes and made the claim online while waiting. I waited for days for a call from a person whose job is to lie and generalize to convince me to withdraw my claim. I am dealing with a company who has lied to me constantly, but they said State Farm lied to them. Since they both seem to have a tenuous grasp on ethics, I'm not sure who to believe. When I finally talked to an agent who told me how to claim a reimbursement, I thought I had to process. I submitted via email, on their website, and by mail. I rarely received any response. When I was forced to repeat this lady seemed annoyed. (Lady annoyed does not begin to describe my mood right now.) They said they work with Servpro, which I thought meant that they were legit, far from it. They are coming after me and keep sending bogus illegal add on bills in fits.

If I ever get out of this financial jail (Servpro has my bank account at negative 30k if I could pay) I will find another insurance company. But once one insurance company screws you nobody else will even sniff your request. OUT OF POCKET AFTER REIMBURSEMENT: $47335.16-$9912.75 (State Farm paid) =$37422.41 (paid over reimbursement). Servpro charges:

8/22: demand letter and packet containing mostly fraudulent charges. $5003.89 (8/22), $1709.97 (8/22) + $13184.81 (8/22) *+ $1749.66 (8/22) to return to check a leak I had to fix before they came out = $42317.46.

**+ $154.35 (8/22) to move 39 flat boxes and ½ bag of grey powder-2 hours, $21802.68 + *10000 (charged afterwards to submit documents to State Farm and the company’s pain and suffering”) + $5000 Paid as deposit (might be included in total?) = $36802.68 (Servpro total after 8/22/2024).

$8558.93 (paid) 2nd contractor to fix everything Servpro did, $1973.55 (paid)- Revised out of pocket: materials, fixtures, replacements = $47335.16 (inc. $445 for electrician to install new donated light and $234.61 not reimbursed hotel bill).

RECEIVED FROM STATEFARM: $8252.21 + $1660.54 = $9912.75.

I feel finding other insurance may be in my best interest if this is how customers are treated for a claim that is due to mother nature. The color match of the shingles is not even close to being right. I feel like everyone should stay away from State Farm due to the poor work they do, thinking it is okay to mess with the resale value of customers' property. We pay our premiums to have good quality insurance coverage, and this is a testament showing State Farm does not care about quality, resale, or customers. I have more pictures too.

I continued to request to speak with the Manager and have to this day to ask questions about why my Claim was being handled the way it was, where in the Policy (or Contract) it said they could perform these 'investigations' when it was clear this was a loss covered. Then, once their AFFILIATE was engaged to compile a report for more than what was reported, they agreed it was a covered loss but issued an Estimate for an amount that wouldn't even cover the cost to remove the damages, let alone restore the property! Their estimate was only 34% of what the home was insured for - when over 70% of the home had been affected by the damages sustained!

They issued a payment without my approval (explicitly against the policy terms) - which I have not cashed / accepted. They also said that if I could not complete the work for their estimated amount, or if the work included areas / items they did not include (for which there were many), I would need to obtain approval prior to starting any work. I had a bid submitted to them when the Claim was made; however, they said I needed to obtain another one. I solicited another company which provided them a bid in April and for more than 45 days (against State regulation), they had not responded to that company nor myself.

After I submitted a complaint to the State (and sent them a copy) they responded with a letter ("EDL"), which included where they went back to their AFFILIATE party and had them provide an 'addendum' to their original report which contracted the findings in the original report. This EDL denied coverage for the exterior damages - damages which were not included in the bid submitted for approval. Still unable to reach the adjuster for the Claim, I informed the call center that this was, yet another, completely unreasonable delay tactic.

If the exterior was in question, then would it not have been more prudent to provide approval for the interior of the home because, by doing so, it would have been evident if the exterior damages were as a result of the Covered Loss? And, if it truly was necessary to make a determination on the exterior before sending approval for solely the interior work, why was the Engineer not contacted for over a month after the questions were raised and a bid sent?

No response was given, instead State Farm issued a letter saying they would not cover two rooms of the 9 in the home (including one which was adjacent to where the damages began) because they did not show signs of water damages - when there are literally photos of water dripping from the ceiling. A complaint was filed with the State Insurance Department but according to them, they can rule if State Farm has acted in bad faith, but they cannot actually make them adhere to the terms of the Policy or otherwise act accordingly. So there is no recourse for me to recover for damages owed.