State Farm Homeowners Insurance Reviews

Long-time State Farm Homeowners policy holder in Elfrida, AZ. Discovered significant water damage behind the walls from a hidden slow leak. Filed a claim, but it was denied due to ‘neglect’ and gradual seepage over time. The leak was concealed and not detectable through normal use—no prior signs or warnings existed. This denial has left me with thousands in repair costs after years of on-time payments and no prior claims. Disappointing lack of flexibility for hidden damage issues. Proceed with caution on State Farm for potential concealed water claims.

When I got my condo policy, I didn't know what a LOSS ASSESSMENT was until we had a hailstorm and my share of the association's deductible was $5,000, but my policy covered only $1,000. Had I known what it was, I'd have paid an extra $10 to match our association deductible, but my agent never even explained my coverages. Now, I'm renewing and I asked for changes for more building coverage, less personal property coverage and that additional loss assessment coverage. In addition to a renewal invoice for my existing coverage, I've received TWO with screw-ups of my changes. My policy expires tomorrow, but the fixes are still "in processing" and I can't be sure that the same home office people that failed TWICE already will get it right. I've given them until tomorrow and then I'm jumping ship for a company that doesn't have its head where the sun doesn't shine.

We've been insured my State Farm for years with Home and Auto insurance. With the cost of EVERYTHING going up, so have our Premiums. No surprise there, when you consider the higher and higher costs for EVERYTHING, from Material costs, Labor costs, Business Taxes, ETC! 4 mos. ago, I got T-boned by another driver who was making a left turn on a Green light as I drove through the intersection! Fortunately, neither of us was injured! State Farm was on it immediately, setting up a Rental vehicle and following up on EVERY step going forward. Any and ALL of the questions I had were answered ASAP. Unfortunately, last week, my wife hit a Deer at 70 MPH on the Freeway in the dark of night with her 2020 CR-V and totaled it. The whole front end was crushed, but by the Grace of God, she walked away uninjured!

We had roof damage and had a relative who has been a State Farm adjuster for 15 years take a look at the roof damage so I would decide whether to file a claim or not. She said definitely, wind damage. She also said I could have a State Farm preferred roofer take a look. He also stated it was storm damage. So I filed the claim with my agent who I have had for 30 years and the company then hired a 3rd party to do the roof inspection and used the excuse that State Farm adjusters don't do 2-story roofs, which my relative stated, she does 2-story roofs all the time. The third party told the State Farm people the bad roof problem was from bad installation. Duh after the roof has been on for over 15 years and just now it shows up duh. So the company is refusing to cover the wind damage, horrible way it was handled and only hired 3rd party so they could blame them. I already called and told them to cancel it.

I had a small tear from a tree branch to a metal roof on a shed that did not appear major from the outside. But inside the shed, the Sheetrock ceiling became wet with rain and appeared about to come down. When the adjuster came he claimed the ceiling had mold which proved it was not from a single event, and denied my claim. His assessment was erroneous. Many items were stored in the shed. None of them were wet, moldy, or ruined. Before filing an appeal I requested a copy of my policy as they had not sent one when the insurance was last renewed. The owner of the branch stated they had to request it from the home office and it would take a few weeks—denied it could be emailed to me and denied they had failed to send me a copy at renewal.

I STRONGLY URGE ANYONE WITH A STATE FARM INSURANCE POLICY TO GOOGLE HOW STATE FARM DENIES WATER DAMAGE CLAIMS. THERE ARE PLENTY OF ARTICLES ON THE SUBJECT. IF I could give ZERO stars, I would. I had a bathroom faucet cause sudden and significant water damage while I was away for the weekend. The professional home inspection I had done a few months prior doesn’t mention that faucet, so it was obviously a sudden and unexpected thing.

I would give zero stars if it was possible. 30yr customer who feels absolutely betrayed. Claims experience has been abysmal, few returned calls and ridiculously low claim amount that will cover 1/3 of the damages our house received.

I have been with State Farm for 41 years. Recently, a hailstorm hit our area. You can drive through the neighborhood and see who has State Farm, they are the houses with the unreplaced roofs. People with other insurance companies have new roofs. I have had good neighbors, State Farm is not one of them.

I grew up a big State Farm fan. And after Hurricane Katrina, I was still one (my Katrina claim really wasn't that big BUT they gave good response/service). They just took care of you for a slightly higher price than the competition. But it WAS worth it. Recently I just got a new quote and policy to move back to State Farm for Homeowners, through their Dover Bay Insurance company. I got a slightly high price (several hundred more than what LA Citizens gave me), BUT like I said before, SF has always been worth it. So I proceeded with SF/DB for my insurance. Slightly more than a month later, AFTER I moved Auto and HomeOwners to SF/DB, my agent calls to tell me that the underwriters at Dover Bay are adjusting the cost of the policy by $10K!

Like a good neighbor State Farm is there? If I had a neighbor like them I'd move. We had two claims with them from the Hurricane Helene to a back up sewer line where we had damage with both over $50,000. They paid nothing. Delay, delay, defer, defer is all they do. We tried to hire an attorney, they all told us they are impossible to work with and would not take our case. Insurance Companies are too powerful. Avoid this one, they have low premiums for a reason, they have no intentions of paying.

If you have State Farm for homeowners I hope you never have to file a claim. A tree fell onto our roof. We had proof it was CLEAR the tree caused significant damage. They fought and still didn’t pay for the tree removal. After almost a year 6+ adjusters, multiple unanswered emails, having to have another evaluation where we were told State Farm SHOULD have fixed the whole side due to the damage. Then being hung up on, mismatched roof, being told if your property is older they won’t cover and now adjuster refusing to respond to us and won’t forward our messages onto supervisors. We have nothing good to say and want to warn everyone. DO NOT USE State Farm.

So far, as of July 2025' State Farm has been reasonable with me regarding insurance policies. What may be different about me is, I have cleared the brush, and all combustible material from the 3 distance zones from my home. I have spent thousands of dollars doing the recommended home hardening. I have spent months studying the NFPA and Firewise and other available sources of ways to reduce Wildland Fire losses at my property.

The flashing around my chimney was damaged and pulled away lifting a nail up. The adjuster came out and denied my claim due to the nail being rusty. He said the wind blew it up, but didn’t remove any shingles as this is impossible. My wife is disabled and we had to move everything we own downstairs and the leak wasn’t noticed downstairs as we don't go upstairs. My claim was denied due to a rusty nail and he said it was done a long time ago. We had called a month ago to start a claim and it was forgotten. We called again but no one responded. We finally called back a third time and finally after several weeks someone came out. Poor customer service and I feel if we were as the same color as the adjuster there would have not been a problem.

Recently a huge hickory tree fell on my home. State Farm was notified as soon as it happened. The Red Cross didn't know until 4 days after State Farm. Red cross has actually helped us. State Farm, no they have made everything worse. State Farm is the only insurance agency I have ever been with.

I had State Farm for years. I'm thinking about getting another home insurance. Customer service is terrible. I've been calling the adjuster for couple weeks now and no call back. Finally, got through with somebody and they had attitude because I'm trying to find out what's the result of my findings. My roofing is leaking and they say I have to pay out of pocket. Ridiculous.

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.

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.

Attention State Farm Policyholders, My claim is for roof damage from a storm in September of 2023. I have brought in a public adjuster to assist me in the process of getting the claim paid. The shingle manufacturer has released many bulletins recommending against the repair methods State Farms is willing to pay. The correct and generally accepted repair method with the type of damage to my roof is replacement. State Farm refuses to accept those terms.

I’ve been with State Farm for 20 years. The office of Tina ** has always been top notch. State Farm treatment of my last claim was so disrespectful for roof damage. The office team was great but the way State Farm the organization is treating us as clients is terrible. So much that I have to look elsewhere. I also found that this would give me a savings of $1k by switching with the same coverage per year. State Farm was a great 5 star company who took care of their customers. Not anymore.