State Farm Homeowners Insurance Reviews

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.

I am making this post on behalf of a family member that has had State Farm for over 45 years. This company is only after your money! Homeowners insurance with State Farm is a joke! They set up an appt to look at hail damage, never show up & then send a letter thanking us for meeting with him! He NEVER came by to meet us and didn’t! This company had integrity issues & is a joke. Threatened the homeowner insurance to increase over 800.00 for dropping the car insurance! They didn’t decrease the ins half that amount when adding the car so why do they threaten to increase HO Ins over $800.00?!

State Farm is definitely not as advertised. They’re not on your side but on the side of their pocketbooks. They would go out of the way just to make you pay more for your claims. Weed through the bureaucracy and you’ll find that you would be better going with an insurance company that would really assist you and take care of you. Just beware when you sign up with them.

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.

Home Insurance provider, State Farm, has unlawfully withheld benefits and coverages owed for a policy maintained since 1996. After catching and calling out the Adjuster for saying I didn’t have coverage when I did, he engaged in an 'investigation' that was completely senseless and what he claimed needed to be determined was wholly impossible. He delayed the Claims processing for months, and in the meantime, since I RECORDED calls where he was making multiple false claims, he issued a letter saying he wouldn’t speak with me on the phone anymore (this is after weeks of him calling daily to harass me).

State Farm home insurance is the worst!! If you have it, change it!! DON'T GET IT!! They do not cover weather damage. There's been a lot of people that this same thing happened!! DON'T GET STATE FARM INSURANCE!!

Got a nonrenewable notification from State Farm, due to home insurance due to many claims. We got our roof replaced no issue one claim. After the install I notice a nail was sticking out at my living room ceiling due to the roofing nails. State farm claimed this is a second claim. My Garbage disposal broke and made some water damage. After going back and forth with the agent, I replace the disposal myself. I informed them to cancel the claim. However according to the letter, it is claim # 3. Two of the claims are denied and no monetary exchange or reimbursement for Claim #2 and #3 Happen. I did let them know I would take care of the issues myself and still all this got hold, against my policy.

To be honest, the State doesn't even deserve a rating of one. If you are looking for home insurance please stay away. Whenever you have an issue with your home, they try to undervalue or downgrade your problem and probably pay you 20% or consider your damages not bad enough to justify your claim. Their adjusters never answer their phones or return your calls. Please never use them.

Between my wife and I we have been customers of State Farm for over 25 years. Only ever had one minor car claim years ago! Recently, we had our roof inspected as it started to leak and had three contractors Tell me it has hail damage. Their inspector said nothing wrong with the roof. Didn’t even come in and find out where the leaks were. After a month and a half of no communication, no call backs. Never answer the phone…. Roof is still leaking. Over the years we have probably spent on average of $6-7000 a year and the one time we have a need for them! Nothing! Worst customer service I’ve ever experienced!

State Farm refuses to honor their roof replacement claims. We had 2 back to back wind storms resulting in damages all over the area. Obviously we experienced damage resulting in shingles being ripped off, along with gutters, and shutters. Their adjuster claimed only 4 shingles were missing and 40 needed replaced. I have no ridge caps left on my house, that wasn't included in their estimate along with piecing together the gutters that were damaged. Obviously the rest of the roof shingles are now weakened and will eventually blow off In the next storm. Very disgusted since I have been a loyal customer for 30 years and never had a home claim before. They also overvalued the house from the appraisement so that my deductible would be higher, which I didn't find out till I put in this claim. I don't have the funds to pay for a new roof or for silly patchwork, but if you're late on a payment they'll drop you in a heartbeat.

I am moving from my current insurance company due to cost. State Farm was recommended so I submitted all my documents to the Baxter MN office, and I was upfront and told them I had a claim in 2023 for minor water damage due to the historic, record breaking 88" of snow received. The person handling my quote, Brian, asked me more info on my house, how many bedrooms, etc. Mind you, he knew I had a claim on my house. After I wasted my time getting him this information, he tells me that their "underwriters" denied my application for home AND vehicle because of the $1,200 claim last year, that was from an act of God. So this company holds things against you that were out of your control. Stay away from this company.

The only thing I as a consumer can say is, beware! If you use the insurance that you pay for, they will drop you!. The branch in Cleveland Heights under Anita ** will drop your Home Insurance. Read the reviews everyone. You would think our Law Makers would protect us for companies like State Farm Home Insurance but they don’t. Four homes and two incidents totaling a whopping $4000.00 dollars within five years after paying for over 30 years of coverage. Will make it hard for you to get cover for any home insurance. What is happening to our country. How can we protect ourselves. This is madness!

I had to file a claim with State Farm on my homeowner policy. I honestly feel blessed because State Farm took such excellent care of us at our time of need. Our agent Steve ** and our adjuster Mark ** were honestly concerned about our well being and they made filing a claim so easy. We had a leak in our roof and in the coldest part of winter. When the snow began to melt we developed an ice dam. Water from the melting snow came into our home and caused such a mess and even the sheet rock on the wall of the master bedroom turned to mud!

I watch the commercials on Super Bowl. I watch the commercials during my programs. And I really did want to say that. This is a great company, but this has been one of the worst experiences dealing with an Insurance Company. I've ever had 5 months 5 months of waiting on a small check. No communication besides email, no callbacks from the claims office. This has been just terrible terrible customer service. Terrible people. A lot of lies. I wouldn't recommend this company to anybody.

Had hail damage to my roof had to have a roofing company install a tarp for a temp fix while, awaiting the insurance adjuster to come and inspect, in the meantime, I had three different roofing companies come and tell me that this roof needed to be replaced. State Farm sent the first one and they said it wasn’t damaged enough to justify complete roof replacement. I told him about the three roofing companies and ask them what their requirements/guidance was on complete roof replacement. They sent another inspector and he agreed. Then they sent a third inspector. I had to pay out-of-pocket to replace my roof at a cost of $19,000 so I canceled my homeowners and all three of my vehicles with them and went to USAA.

Worst company ever. They promise you one thing and they do another. Very unorganized in all aspects. They promise you a callback and after my repeated calls to actually talk to the agent with the answers to my concerns, nothing. I keep getting told that the Agent will call me back and after 1 week still nothing. Very poor customer service. I wouldn’t recommend them if they were the last Company on Earth. Stay Away!!!

We had a poor experience with State Farm Homeowner’s Insurance. We filed a claim regarding our toilet tank leaking water from the bottom left side of the toilet tank in our master bedroom upstairs. The toilet was repaired by the plumber. The leaked water caused from the toilet in the master bedroom caused damage to our laundry room ceiling downstairs causing multiple brown stains on the ceiling. We filed an insurance claim with State Farm and had an adjuster inspect the damage, and was told the damage was not covered due to mold build up on the bottom of the left side of the toilet tank and it is not covered. Very poor experience with State Farm!

My parents' house has been damaged for 9 months, and State Farm has done nothing but delay and deny them. State Farm sent out 5 different adjusters, all of which were from out of state and had no knowledge of construction cost in their area. They finally hired a construction company to compare bids with my parents' hired construction company. That company verbally told my parents and their public adjuster that their bid would come in the same as theirs and when State Farm released the bid amount it was substantially less. They have already hired a public adjuster and he doesn't think he can do anymore. Their next step is to hire an attorney. It's so sad. My parents are 73 and 81 and haven't been able to reside in their home for 9 months. Please don't give this terrible company any more business.