State Farm Homeowners Insurance Reviews

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.

We've been customers for almost 40 years, but we had never had to file a homeowners claim before now. We have a gigantic hole in our roof caused by Hurricane Beryl over 6 months ago. We also have lots of inside damage to our insulation and ceiling, our wired smoke/carbon monoxide detector system was destroyed, and most of our fence was destroyed. State Farm was saying that we can get it all fixed for around $2000 which is less than our deductible. That's less than the smoke detectors are going to cost. The cheapest estimate for our roof was over $30,000, we've gotten several and they all say that no reputable contractor would repair a roof with a hole that big.

State Farm is by far the worst insurance company on planet Earth period. This company is criminal. They deny most every claim. They denied my roof claim and should have paid for it. State Farm loses hundreds of millions of dollars annually. Make sense why they screw everybody out of their claims.

State Farm decided to not renew our homeowner's policy -- the stated reason was our one-and-only claim for $12K. The claim was subrogated by State Farm and we were found not responsible by State Farm. The other company paid State Farm for the damage. I called State Farm Claims -- they said, "Talk to your agent." Agent said to talk to State Farm Claims. I pressed our agent. The agent said that they recently received training that when Underwriting decides a policy won't be renewed they will list the claim that was made and state that it is the reason for not renewing.