State Farm Homeowners Insurance Reviews

In the mean time State Farm changed adjusters. I called the new adjuster to inquire as to where to present the receipts for payment and he asked why I purchased the furniture. I responded that the adjuster instructed me to. He then said "did you get that in writing". I could not even speak to him, my assistant had to take the phone and finish the conversation. 20 minutes later I had a heart attack and was rushed to the hospital. The story goes on and on and I am still trying to get my house completed, 5 adjusters later. State Farm is the most deceitful and unprofessional company I have ever dealt with. They treat you like you are the criminal. I was not only vandalized by the criminals I was again vandalized by State Farm.

I filed a formal complaint with the Lousiana Department of Insurance on October 6, 2008. I provided detailed information to them from a journal I have maintained since placing the claim on September 1st at 8:30 pm. I also have over 300 pictures of damages. Within the same work week of filing a formal complaint with the Dept. of Insurance, I received a call from an agent in the State Farm Claims office in Dallas, TX. I was asked to fax in only the estimate for the contractor I wished to perform the repairs. I was told then a team leader would call to schedule an appointment with me and my contractor at my home. I did what was requested on October 8, 2008. I have consistently been following up with telephone calls, but was told no adjuster had been assigned yet for the second inspection.

My last follow up call for a senior adjuster was October 16th. Then suddenly on October 17th, my contractor called to say a State Farm adjuster called him to schedule an appointment to meet at my home on Friday, October 24th at 10am. When he told me the adjuster's name, I was shocked. It is the same adjuster that had performed the first inspection (the one who never returned my calls). I immediately updated my complaint with the LA Dept. of Insurance. I also called the State Farm Claims office in Dallas TX who had assigned this adjuster. I asked for a corporate address to mail a formal complaint. I was told there was no corporate address for complaints and all complaints were handled verbally.

I was transferred to a supervisor who confirmed the verbal complaint process. I filed a verbal complaint, then asked for the name of this adjuster's supervisor. Imagine! No name could be located in the system, but I was assured that an electronic complaint would reach the adjuster's supervisor. I feel strongly that State Farm is intentionally ignoring me in an effort to extend this matter so I will not pursue this claim to completion. Not only am I a victim of two hurricanes, but now I am a victim of discrimination by State Farm for having two hurricane claims. It is devastating enough to have to suffer these losses, but State Farm is adding insult to injury through their harassing and discriminatory practices.

I got the policy it was for $165,000 and 1000 deductible. Price was also twice what I was quoted ($500). I asked to have the policy cancelled on or about 8/25 and get a refund.

Have not heard from them.

I have lost all furniture for the bottom floor of my townhouse. I spoke to my current agent (transferred file due to marriage to combined with spouse) and she told me flood was a separate policy that would cost an estimated $105.00 a year. I currently have flood on my home and would have purchased it for my townhome had I known that was an option.

We sent the appraisel to the insurance company and they said they would only allow $1500.00 and $500 of it is our dedutable. This cant be right they pulled the same game several years ago when our house was hit by lighting. I am determond not to let them do it to us again. What can we do?

I have photos and this has not been resolved so there is not a total cost at this point.

Niether of the reps went into the attic or checked anything on the roof. All they did was give a visual inspection. I had three roofers come for an estimate and was given prices anywhere from $21,000 to $38,000. All roofers said the damage was not casued by wear and tear but by water accumulation casued by winds and rain which caused the leak. In addition during hurricaine Wilma three years ago, I had a pool sceen room and large tree branches land on the roof at which time the State Farm representative said we would not be covered.

I believe that State Farm is committing a RICO Racketeer Corrupt Organization Act violation by representatives conspiring not to pay for the replacement of the roof and collect the $6,000 annual premium payment I make. I understand that State Farm has been denied huge increases by the Florida government but for them to deny legitimate claims is a crime.

I will now be forced to pay for the roof to be replaced as well as the interior damage as State Farm has authorized me 8,000 when estimates to repair the interior damage are closer to $18,000. By the way, damage continues as I try and arrange a loan for the repairs. Until I get the roof replaced, i will be unable to change insurance companies. Any help is appreciated.

Well...when the adjusters FINALLY did call me I got the rudest person I think I've dealt with in a very long time! She basically laughed off the fact that I was making a claim. I have never made a claim before so I was unsure of the procedure. At which point...she offered no help and just started grilling away! I answered every question she asked...every question was welcomed with a scoff at my expense....questioning everything I said!

Basically, she said I was lying about the evacuation order...which was mandatory and I should have waited to leave so that I could sit in traffic with my one year old daughter. Also, that I should have returned home as soon as the storm was over to no power...no food...no water, etc. She thought it was absurd that I would stay away until we had power and it was safe to return. I was in tears by the time we hung up!

I am currently looking for another insurance company. State Farm needs to change their slogan...because unlike a good neighbor...they are anything but there!

Adjusters from Texas came to check the damage and decided that with depreciation that they only owed us $29.00 plus $200.00 for our loss of food. We finally had to repair the roof ourselves. With what we had paid in premiums for over 10 years, we could've had several new roofs.

I checked via phone with state farm in thibodaux, la where my renters insurance was acquired. I was told that there were no details given to them. I was extremely angry when I was told that there was nothing they could do for me. EVEN WITH RENTERS INSURANCE. I acquired STATE FARM RENTERS INSURANCE to avoid standing in line with 6,000 other people in the heat for ten hours to get a disaster food benefits card from the state. I have USAA for my auto, but always supported local ins at PCS locations when renting. All my fellow mil members just call USAA explain the situation and USAA then sends the reimbursement for renters insurance food spoilage.

It simply amazes me that STATE FARM advised me to DETAIL EVERY ITEM OF FOOD THAT WAS SPOILED!. Imagine the circumstances of our area and hurricane evacuation, put yourself in it, with downed trees, a hole in the roof that the landlord deems unimportant and asthma attacks from the wet celing attic fumes, spoiled food disposal, home clean up, job attendance, bill attendance and you tell me if I should advise you to WRITE DOWN EVERY BRAND TYPE OF VEG, MEAT, DESERT, ETC. AND VALUE OF EACH ITEM.

I am hoping that the local ins rep has made an error in judgement, else I will no longer be a state farm customer and combine all insurance and be fully protected from this kind of incident (which is the 3rd time) from happening. all food spoiled. hurricane gustav. state farm renters ins customer, but not for long.

I am unable to close my outside door - I am 70 - I livehere alone - I pay for a 500 deductible and [they] have been charging me. Do you think after now 8 days someone can come look at this damage.

As of now our family is homeless and dont know if my attorney is going to face them

But, the adjuster states he will not pay over $53,000. No one can do the job for this price. Not even the guy who wrote this estimate. We went over his calculations and he has even calculated wrong. If he could do the job for this, fine, but he doesn't have the windows. floors, heat and air unit, even LABOR costs on this est. The adjuster refuses to budge. HELP!

We had to eat out with 5 kids and 2 adults for 4 WEEKS. They gave us $1000.00 in the beginning for clothes and food. 7 PEOPLE had to eat and buy everything (clothes, toiletries, food, etc) Then they gave us another $2000 later on , but that was to put a down payment on a rental house. The adjuster states the $3000 will come out of our personal contents money! I have seeked medical attention for anxiety, depression.

My husband and I are at each others throat because we are struggling financially, but mainly because we are being treated so awful. 6 weeks and my house is just sitting there. The adjuster states for pictures and anything sentimental, they don't pay for anything but the cost of developing pictures. What about my babies pictures and art work. Why do I have to just DEAL with that?

the assoc inside the Dave Turnbull overland park, ks state farm office kept apologizing to me about the way i was treated and advised me to go to arbitration i filed claim with the state of kansas insurance commissioners office they will get back with me within 10 days. To date I have received a check for 492.34 from State Farm .

My claim was filed as of 5/01/08 it is now August 08/05/08 I have consulted an engineer who is also an independent insurance adjuster who advised me to file claim with the state go to arbitration and he will go with me. No one should have to go thru this to get a claim honored by their insurance company. I am so distrusting now that is a shame.

my ceiling it getting wet! my trust is broken & frustration is building

I continued to press saying they should at least cover a portion because no matter what the case was there was definitely water damage. Then they denied my claim saying my water heater was rusted. I have been trying to sell my condo. Now I have over $6,000 in damages to get fixed and insurance is saying they will not cover.

I had hoped State Farm would pay a portion of the repair bill. I called them and they kept referring to my fence blowing down as a "claim." It wasn't and shouldn't have been called a claim. I told them that I did not submit it as a claim and I didn't ask them to pay. The completely discouraged me from submitting a claim for the dishwasher that caused the damage to the cabinets and flooring.

I never submitted a claim, yet I'm sure that the second time I called them was another claim. I am changing insurance companies. Back fence blew down and had to be replaced. New dishwasher was installed wrong and water poured onto floor. It went unnoticed for a few months, causing extensive damage to the cabinets and floor. I have to replace the bottom kitchen cabinets, sub-floor and floor covering.

On June 14, 2008, two adjustors came to my second home which. The main adjustor, Deborah, said she was not used to handling these kinds of claims (had come up from Jacksonville, probably because there were so many flood claims, etc.), so she said another colleague would be joining her. I should have thought twice, when they arrived and as I was letting them into my garage, Deborah, said "I could leave and if they needed anything they would let me know!"

During the course of their visit, they told me that if they could not locate the siding or MATCH it or the color, I would receiving new siding [on the entire home]. They then said I would be receiving new soffits, facia and gutters for everything except the back of the home. I asked why, to which Deborah replied that there was no damage to the back. I said the new gutters, etc., will not match the existing and the home will not be "even." Deborah replied that no one sees the back when they're looking at the front and State Farm doesn't cover it.

The tree along with four other birch trees it took with it, had been removed by a tree removal company. I told the adjustors that I needed to have the remaining stumps chipped and that landscape damaged reonde. Deborah replied, State Farm does not cover stump chipping or landscaping. I guess it's my problem that God decided it was time for the tree to fall into my garage and be removed, but I would pay for the chipping and landscaping. Deborah was very quick to complete her estimate and send a check for one-half of the estimate made payable to me and my lender, even after I told her not to becase I would have questions upon reviewing the estimate. Deborah responded --as she usually did-- this is an on-going claim and if a provider determines extra work they can let us know. "This is not over," she said.

Upon sending the check to my lender, CitiMortgage (I currently have two mortgages and one equity line with them, and been banking with Citibank since 1979), they informed me that paperwork would be required and they would reimburse me for 1/3 and when the job was 2/3 complete and they performed an inspection I would receive another 1/3 and at 95% completion, they would make a final inspection to ensure the work is done and provide the remaining 1/3. Please know that Citibank requires all providers to sign a waiver of completion and words to the effect that the provider won't sue CitiMortgage BEFORE they pay. CitiMortgage then write checks payable to me and the provider. I've never been later with payments and the subject home is worth twice was I owe the bank. Just another little complication.

The same builder who has done work for me before, provided State Farm with an estimate for him to side the house because he said the 20-year old siding (my home was built in 1988), was no longer available, and he would provide the soffits, facia and gutters. Also, of the four builders to which I gave the State Farm estimate, they all said State Farm's dimensions were incorrect. An example is Deborah stating my garge is 8 feet high when it's 10 feet.

Roughly 10-days ago, Deborah called to tell me she was headed back south and a new representative, Calvin B., would be handling my claim. She also had great news -- they found my siding! I said how'd they do that, my sister had hail damage last year of the exact siding and it was completely replaced. She said their expert went to a supply company who is able to obtain it. I asked how they matched the color, she said with a picture she took. Come to find out it's the same supply company the builder I plan on using purchases from and he told me that Alcoa can produce this 20-year old siding and they call it a "Dream Color" process, but it will never be an exact match. I then called the supply company and they in essence said the same thing that there's no way it will ever be a perfect match and with fading, etc., and it's the insurance company's way to save money. I then called my new rep Calvin and said this was unacceptable that there would now be two different shades of color that State Farm claims is a match, and Calvin said State Farm's policy doesn't cover miss matching. I then said are you going to paint my home then so that it's even, and he said no the policy doesn't cover it.

I then called Ed C., my agent since 1969, whom I have stayed with regardless of the fact I've moved away from his office. He just happened to be in the office which is now run by others. He said he would call corporate and try and find out "their policy" on this. He called the next day to say, sorry, but if they say they found the color that I'll only be receiving siding for what they feel needs to be replaced whether it matches or not. He wish me "good luck!" He said I could take it to the president of State Farm if I wanted. I told him I would.

The one side of my garage is directly in the same line and continues with the house. If some of the siding is replaced it will clearly show. State Farm is covering approximately $4000 of siding for what is about $10,000 to side the entire home with new siding and make it even. I plan on writing to my family, friends and clients inquiring as to whether they have ever had State Farm pay for an entire home to be sided and instances of other insurance companies who have sided homes.

I will encourage everyone I know to read their policies carefully and ask questions. And tell them to review the Fight Bad-faith Insurance Companies. I am a realtor who has suffered financially from the housing market and do not have extra money sitting around to pay the difference so my home won't look like a patch quilt. I will definitely be on the lookout for a new insurance company.

We need this money to recover loss from flood/diaster damage to our house. They will not cancel this check and reissue it to us. We paid the premiums. Where is this law that says we cannot have a check if it is over 10,000 dollars? No one will help

WRONG, I just foung out nothing was done State Farm still was bill for home owners insurance, and my flood insurance was still inadquict, and I now have higher morage payments, because of agents errors. I do not feel I should be paying for agents errors, lack of lessioning, nor doing as requested. Do I have to go on [their] agents computor in get my request compelted timly and correctly?

Paying for the error of [their] agent though higher morage payments

State Farm's adjuster said we can't process your claim until we get an answer from he City on a code issue. This turned out to be a deliberately false and misleading statement designed to cause an unnecessary delay in processing my claim. While we were waiting on this fictitious event to settle my claim, I was hit by Charley, Francis and Jeanne. State Farm's little scheme backfired. State Farm claimed that their was confusion as to where the damage of the original claim ended and the new hurricane damage began. I told them it was immaterial because the house was a full loss.

I was then sued by State Farm to go through their appraisal process. I later found out that this is a tactic they use to control their exposure to legitimate claims. Their appraiser agreed with our appraiser that the home was a total loss, but State Farm's executives over ruled this decision. State Farm did not agree with their own expert's opinion arising from their own appraisal process which they forced me to participate in by suing me. They cut off my additional living expenses, even though my house was not habitable and then delayed the settlement by using the afore mentioned farce.

It has been four and a half years and we are finally set to go to trial. I am looking for any stories from people who were victims of Charley, Francis or Jeanne or any stories that involve mistreatment and misconduct by State Farm. I am also looking for any State Farm employees that are willing to provide any information on the specific instructions by State Farm's management to deny, delay and underfund legitimate claims in the state of Florida or elsewhere. Any information that sheds light on the altering or manipulation of engineering reports or general tactics used to frustrate the insured and cause an unfavorable settlement for the insured would also be helpful.

I have lost everything I once had set aside for retirement only to learn that State Farm has been playing a game with me from the very beginning. Thank you, and good luck to the rest of you who understand all too well how damaging and frustrating this process is.

Full Loss.

I said o.k. and went to get the keys and open the door to the back yard and took the man to the back of the house. Back there he was watching the roof and wall and he said why didn't you bring the "roofers" that I told you to bring? I said because that is against the law and I can bring who ever I want by law. this got this "dangerous lunatic" very, very upset and he started saying in a very rud manner kind of almost shouting at me, well! then if you don't bring our "roofers", that I told you to bring, I wont pay you the claim, to what I said, I am not going to discuss with you this matter anymore. I will discuss with State Farm this payment and please leave the property. The man got very upset and called me "c--" and turn around and started walking towards the garage and I said what you say? again said "c---". I told him to leave the property or I will call the police and State Farm.

He didn't care and he called me again the same vulgar word in spanish and called me "!#%", he started to call me these vulgar words inside the garage several times before leaving and then he put up his "fists" up and started physically threatening me, challenging me to fight him saying in sapnish.. I got my cel and told him, I am going to call the police and State farm if you don't leave the property immediately. I said nobody is going to offend me and my mother. The man left in his car. My elderly mother was watching through the garage door and listening to all these serious offensive insults in spanish and she got very sick.

I have submited to him and to State farm , police reports, medical reports of what happen to my mother due to this incident and to no avail.

After seeing the adjuster I was quite positive on how they were going to deal with the loss of our home. As far as the home goes-they were great in terms with paying that out. with the personal property what a joke! After spending days in a burnt smelly house going through every item lost and making a list-which I am sure is so good for your lungs to breathe in! It took us a few months to finally finish the inventory list and turned it in.

Now I remind you we had 100% replacement cost. I get a phone call from the fire claims office in nebraska stating that each item would be depriated and paid out after the depreciation value-but if we replaced that item we could then turn in our reciepts and they'd pay us any remaining balance on that item. She also stated they no longer payed you 100% on the coverage you had on personal property.

What a joke! It wasn't that way when we signed up and paid them for the past 11yrs. She stated too many were taking there money and buying yahts or whatever with the money instead. Excuse me, isn't that our right? There was alot of things in my old home I wouldn't replace again-oh but then they get to keep that money and make a profit off of your loss.

Then I find out I only have 2yrs from the fire date to replace every item-ok it took me 11yrs to accumilate it all. If they want me to replace every item lost-then pay me what that inventory list totaled so I can, instead pay me 1/2 then say replace it all on your own within 2 yrs. WHAT A JOKE! there are items you cannot replace but yet they depriated the value of it. Baby photos,baby albums, family heirloms, wedding dress, wedding rings. they all have sentimental value-they gonna pay me for that? I can't go back and have my kids again-sorry state farm! I don't plan on making a big stink until I am paid in full! They can pay my family for the hell we went through afterwards and my kids dealing with losing it all! it hasn't been easy and my new home still isn't completely furnished yet.

My friends have had to insure their homes through Lloyds of London, for many more thousands of dollars. mercy!

My problem is that State Farm is considering this two (2) separate claims or incidents - one being under the homeowner policy and the other being under the auto insurance policy. When I question State Farm, they said that I must pay $250 homeowner's deductible and a $500 deductible for auto.

My vehicle was not in the driveway nor was it parked on the street, it was secured inside of the house and I would think this would fall under the homeowner's policy.

We hired an engineer with excellent credentials $500 to come out to the house. He looked at our house at every possible angle. (we have a copy of the report) He reported that our house is a total loss. Our insurance adjusters decided they wanted to meet with the engineer at our cost. They met at our house and the insurance adjuster kept arguing saying "I don't see how you can say it is a total loss" (There are pictures of how the wall and doorways were bowing and slanting)

They said it will take them about sixty days to come up with a decision. The insurance keeps stating that they are trying to make it a total loss but their bosses are the ones saying otherwise. They will not give us a straight answer. My family is homeless. We barely have any clothes to last a week we have to keep running to the laundry. We don't know what is going to happen with our house. It is causing a lot of emotional stress and mental anxiety. (We had a house fire a year and a half ago. And it is hard to have to deal with this type of thing again especially when the insurance said they will not screw us like the first company did.)

We attempted to assist her in locating some of our items. For example,she was given a gold bracelet which she issued a reciept. We also provided her with a picture that had some of the items shown. We would like to began repairs, but are hestitant in fear that she does not give us a fair settlement. Many items which were burned are still in the home.T he only thing that we ask is that we recieve fair and prompt serice. Its going on several months.

I don't have a problem with that, if people are displaced, they should receive help first, however, I just called today and placed a claim for significant tree damage at a rental we own, (keep in mind our own home has lost at least 20 trees in the same storm) and I was told that tree damage and removal is not covered by state farm unless the tree has actually hit your structure! So at our own home we will be looking at about 5000.00 our of pocket, besides our deductable to clean up the tree damage, and at the rental house we are S-O-L as far as the insurance is concerned and are looking at a 1700 bill to remove and clean up the tree damage.

Two years ago on a lake property we own at the Lake of the Ozarks, when a tornado came through, American Family was wonderful in working through our claim, and were much faster as far as response time, and they took care of all tree damage,regardless whether the tree had touched the structure or not. Buyer Beware - we are having American Family out for a new quote - and guess what - the agent for American Family is going to be out to give us a quote, before we ever hear from the adjustor with State Farm!

see above

We got home on sept. 23 and could not believe what we saw. Not only was our home destroyed, but Cegies took it upon herself to send out a crew to empty the contents of our home. 25 years of our life was in 30 yard dumpsters and spread out in our front lawn. There was nothing left for us to even look through. No one authorized her or any one in state farm to go through our home. When my wife contacted Cegies at state farm she told my wife they did it because of mold. I don't think we would have had that problem that fast.

Now to get to the point, that was just the beginning of a nightmare. It is now March 8, 08, and our house is still in the construction phase but should be done in 4-6 weeks. My wife and I turned in our personal property forms approxmently 10 weeks ago. Our policy is a 100,000 dollars and also replacement cost. Well, in the 1st weeks of the fire we were in a hotel. Cegies met with my wife and gave her a check for 30,000 dollars to get clothes and other things we needed. That turned out to be a big mistake.

My wife contacted Cegies because we needed to order furniture and household items and to find out when we would be getting the rest of our money. Remember I have a 100,000 dollar personal property insurance. We only sent in our things as costing 71,000 dollars. Bottom line is Cegies is now being very rude with my wife and does not want to give us the rest of our claim. Now she wants us to produce receipts for all of our personel proerty. My wife explained to her we don't have any receipts, everything burned up in the house ands what didn't, you threw away.

So here we are, 4 weeks from getting back in our home, and no furniture to put in it. By the way I am deaf and very handicapped, that's why my wife had to handle everything. My wife told Cegies that I need certain things for the new house and she just doesn't care. We need some kind of help.



The cost of a new roof is actually covered by the camper manufacturer. The shipping, which was what the claim was for, will cost approximately, $600.00

At first they seemed polite, and eager to help our family out, but soon everything changed. They were not usually available to reach with questions regarding our claim, and quickly let us know he was not looking out for our family's best interest. They eventually found us a three room apt to live in and rented us furniture which was very much appreciated. They contracted with a company to try to clean our furniture. We came back to our house and found everything gone and the house gutted. They took everything before we even had a chance to see if we could salvage anything as my husband had a lot of family antiques that were very valuable and meaningful from his mother and grandparents. I also had a lot of expensive collectibles along with all my photo albums, etc. We have been in shock as so much that we lost was memories and antiques that can never be replaced. State Farm or their contactor were not authorized to do this and they still will not give us our property back unless we pay for it.

On Christmas Eve we received a denial from State Farm stating that our claim was denied. We gave them all the information they requested but we learned that someone we didn't know called in and said we started the fire. No way did we start the fire and we even have the fire marshall report along with the electric company report of the blown transformer. We talked to a lawyer who said as long as someone said you started the fire no matter if you didn't, you lose the case because State Farm can use that call against you. How in the world can someone call in and say you started a fire with no proof? I also feel my name and integrity have been slandered. Even though we don't have much money and have had hard times we would never ever have even thought of arson. Now we have no place to live, no furniture, anything because of this.

There is a lot more that I can state and all the information that was provided to them from fire marshall, my husband's employer, electric company, etc. My mother also attended one of the many dispositions we had to do and she witnessed the treatment that they gave to us and then the report they sent back was nothing like what we stated. That is also one reason they denied us was my mother came and they used it against us. I would just like to warn everyone DO NOT BUY STATE FARM HOMEOWNERS INSURANCE IN IOWA.

Having been fired with no notice, and not having been paid for Christmas Day until I researched Statutory holidays and subsequently spoke to my former boss about it, I am now experiencing some financial hardship and major stress due to the lack of notice or consideration in my dismissal. I feel it was unjustified and unprofessional.

I have had two people call me. One was the claim adjustor and then his supervisor who was just yelling on the phone to me that they are not in the jewelry business. Then why are they selling insurance if they don't want to take responsibility for telling their clients to increase the value on their treasures. I thought I was worry free. I look at the job description of the agent and it says they are to help the client remain worry free, etc.

The company we hired was more than the "preferred provider" that we got from State Farm, but our first claim rep said it was not a problem--just get the new estimate, submit it and he would get it paid. There were later several other estimates that they wouldn't do the work for what was originally esimated, the claim rep said "No problem, just submit the estimates".

About 2 weeks after the structural work had begun our claim rep was transferred and our nightmare began. We were given the run around about State Farm paying anything over the inital estimate, and we had to threaten legal action. The months dragged on; in July we were told that our living expenses would no longer be paid for even though our policy allows up to 24 months. I wrote a complaint letter to State Farm and the Dept. of Insurance and our living expensese were given another month but stopped in August. The city came out and told us that additional work was needed due to the fire ruining more structure. We submitted a bill to State Farm for the work and still have heard nothing; we also requested living expenses though Nov. and were told "No".

What is promised in our State Farm policy wasn't upheld; they fight so they don't have to pay for things that are rightfully due. We have to pay two house payments and area also out $3700 for additional work that State Farm refuses to reimburse.

I now need to purchase homeowners insurance, and they have on my record that I have a claim for water damage in March of 2007. I never received any money nor did anyone from State Farm bother to come to my home and look at the problem.

After he did his inspection with my contractor he stated that he disagreed with my contractor's estimate. No surprise there! He told me that there's some hail damage but most of the damage to my roof is not cosistent with hail and he couldn't explain what caused it. He told us that since there was a discrepancy between State Farm's estimate for repair and my contractor's estimate, the next step was to get an engineer from State Farm and that he would have the last word on whether the damage was caused by hail.

Brandon(the adjuster from Nebraska) finally left my property stating that he would call me back to set up an appoinment for the engineer and my contractor to meet and discuss the damage to my roof. He called me about an hour later in a most cowardly fashion to tell me that he closed my claim stating that all that State Farm needed was two of their adjusters to agree to close my claim. Basically he just lied about sending the engineer, although I suspect the outcome would've been the same anyway. I think they get trained to deny claims. Brandon suggested to pursue legal avenues because he closed my claim and that was my only choice.

She did not want to pay her construction company what they wanted to repair the damages. At one point my husband found a DHL envelope on the front step of our burnt, and vacant home, it contained a check for $25-$30 thousand dollars less than what it would take to repair the damages. We refused to cash this check. We had to get an attorney to force their hand. I think the attorney was in bed with State Farm, because he stated that he was insured by them.

My husband, and I ended up paying the construction company almost $8000.00 for foundation damage, because they would not cover it, because they said that it already had a foundation problem. We also ended up paying for numerous other items as well. Our house did not get finished until 2-2007, 2 and a half years later.

Within those two years our initial claim specialist retired and we were assigned a new one. The new claim specialist keeps saying there is nothing we can do and we can't pursue legal action so all in all to sum up what he said is you're screwed.

They treat me like dirt, like I'm trying to take advantage of them everytime I tell them what needs repair. They refuse to pay for my pipes to be re-insulated, even though it breaks Ohio code to leave plumbing in the attic with no insulation. And they denied the request to rip out and replace the cabinents even though they were in standing water and the base boards are warped.

State Farm, Like a Good Neighbor? My answer is NO.

It is going to cost $7000 to get the basement repaired plus the cost to finish it again.

State Farm sent an initial adjuster, very young, named Jason I think, who just did a quick walk through, without asking me for any guidance, didn't want to look in the attic, and spent only about 30 minutes. But then he surprised me by calling me downstairs to say that he was finished with his adjustment work, and then pressured me to sign up for the preferred vendor program. When he said that I had to sign it right then, I got suspicious and said no thanks. I telephoned my agent to complain, and he offered to file something against the adjuster. I didn't want to get him in trouble.

For the next several weeks I kept getting hang ups on my voicemail, and caller ID would show that it had been State Farm calling. When I eventually called them to inquire, I discovered that the adjuster had logged me in as accepting the plan. They were calling to say that they still needed my signature on the preferred vendor program agreement!! When I told them that I had declined the plan, you could hear the phone drop to the desk in shock! They then paid $17k very quickly just based upon the fact that they did have an adjuster who had visited the property. If I recall this part of the events correctly, I believe that I also discovered over the phone that the adjuster hadn't even drawn up any adjuster's report at that point. Then when I received a drawing at my insistence, it became obvious that he hadn't truly adjusted the claim in the short period of time that he spent at the property.

I requested permission to move and they approved that I move to live elsewhere. They approved, but stated that they would not pay to move my home office furniture and phone line, saying that I didn't carry business insurance with them. That was true. I requested payment on a lease contract, and they were months in responding. It appeared that they began to play a game of plausible deniability - sometimes claiming that they didn't receive a fax or mail (even if you had a confirmed fax receipt). Eventually they handed the claim to a high-dollar adjuster, named Clark G. He finally came to the property, looked around, exclaimed that the original estimate was hugely underestimated, then started talking to me about a buddy who is a really good contractor, and does high dollar repairs. Clark advised that he would check on my requested $3,600/month amount for rent, i.e. excess living expenses. Before he left he made mention that the second you get an estimate from Scott McC, I am going to write you one really big check. He also told me that I needed to call Blackmon M to get all my stuff moved out, and that he would pay that bill.

In reviewing my notes, he listened as I complained about the initial adjuster not really looking at the damages, pressuring me to sign a contract for the preferred vendor program, wasting all this time, and not authorizing any dry-out procedure. He stated that this many months after the water event there was no need to now have any drying-out procedure done. Following Clark's walk-through, I was confused by Clark's continually pressing me to call this Scott McC, since I know that an adjuster can't require you to use any certain contractor. (I was especially leary in light of what previously appeared to have been a systematic pressure to use the preferred vendor plan). However, he quickly informed me by telephone that Todd had approved the $3,600/month.

I quickly got a letter in the mail, approving the $3,600/month for excess living expenses. I got paid around $35k for furniture repair (although these payments were based on a very informal writeup, and not the comprehensive estimate that Clark insisted upon). But, eventually I got a second letter, kind of nasty, asking why I hadn't called McC.

I called Clark and really quizzed him on his insistence that I call a certain contractor - namely his buddy McC. I asked very purposeful questions because Clark was making very conflicting statements: at the same time, he was calling McC an expert, yet referring to how he would give me a true estimate for which he would do the repairs, and referring to what a great job he would do on my repairs, since this was just the kind of job in which he specializes.

Continual damage of home...no additional money from State Farm.

I am now inches away from having a nervous breakdown, and my doctors have put me on various medications in order to try and keep that from happening. I have not been able to work and barely able to function out of fear that, as they said, my whole claim may be denied, which would leave my kids and myself without a place to live, or beds to sleep on. Its all I can do to try to keep my children in a normal enviroment without me crying and not being able to breathe. If I didn't have my children I would just go ahead and let myself have a nervous breakdown. I would love to be able to sue them for all that they have put myself and my children through, it has been a virtual hell.

On April 6 the guys came out to do the work and they took out old toliet, knocked out the tub...and discovered that the P-trap was not in sand as suspected but under the concrete foundation (the bill would be much larger due to this fact). When the trap was found it was a very old lead type drum trap and was it was mangled and knarled and obviously not capable of doing it's job. The plumber also told me that the pipe connecting to this drain was very loose and more repairs were needed. The job would also cost more because that pipe lead to the water closet and more excavation and tearing out of concrete was needed.

I was horrified at this point...the plumber could see this...he suggested that I contact my insurance company as this type work should be covered. I immediately called State Farm and entered a claim. Mr. Watenpaugh called me back and stated that all work should be stopped since State Farm needed their own plumbers to come out and perform leakage tests on my system and also needed engineers to come out and perform other tests regarding the foundation. I told him NO!!!...the work would not be stopped as my home is a one bathroom house and it is very important that the work get done an soon as possible.

After the work was finally completed on April 12....State Farm sent out two plumbers to perform leakage tests, then they sent two fellows from Bryant Consultants to perform a foundation study and now a month later the Bryant Consultants report was sent and I received word (through a message on my answering machine) from Mr Watenpaugh that State Farm has denied my claim because there was no leakage damage found.

The total bill was $4760.45 for the work. My insurance is $500 deductible. I did have an initial consultation with an attorney in this area and he has advised after review of my policy that in his opinion this claim should be covered.

The bill was for $9,483.74. Since I had already paid $1000 deductible to Quick Dry, the balance due was $8,483.74. However, the SF claim adjuster only paid $5049.76, since he felt the bill was too high. This left a balance of $3,433.98 that State Farm won't pay.

Quick Dry is threatening legal action against me since I am responsible for the bill. State Farm NEVER told me that they might only pay a partial payment if I didn't go through one of their recommended Flood Services. The only thing State Farm told me about their recommended list is that they would guarentee the quality of the work.

The first time I met with one of their agents was 5 months after Ivan. Furthermore, they cancelled my policy and continued to deduct premiuns from my checking account. In fact they charged me $236.80 on March 23,2005 and ONE MONTH LATERon April 29, 2005 charged me another $236.80.

First of all the place was not liveable for over one year and second I had sold my Condo on Feb. 25, 2005 and notified the Foley office of such...countless calls and still no refund. How can you charge someone for insurance that they had cancelled and at the same time charge me twice in 2 months. I missed work and didn't have a home and ms Holk and statefarm are "RAPING" what little money, in this time of need that I had left.

Since then, I have had damage from Katrina, however thank the lord that State Farm was not involved.

When I got my State Farm insurance, I was told my generator was covered, as long as it was part of the trailer. Well, someone broke into my trailer and stole my generator, but now SF is saying that it will not be covered cause it was not a permanent part of the trailor.

I spoke with a few state farm reps while I was away and I was told that the looting and the hurricaine should be handled as the same claim. Today my adjustor finally called ( one and a half months after the hurricaine). She cannot see me for another three weeks but she is stating that the claims must be handled seperately...so a hurricaine deductible of 3,000 and a theft deductible of 1,000 with two claims against my homeowners. I want to file a complaint. I know this is obviously up to the interruptation of whomever is assigned the claim. I hear different stories from everyone.

Also different stories about the 2,500 they gave us for loss of use of our homes for over a month....different stories about whether or not they will cover our refrigerators and freezers that were full of rotten food and bugs.

We paid insurance for a boiler replacement for 30 years and SFI tells me we now will have to pay this new premium! Our agent, Tom Nagel, is such a nice guy and I have dealt with him for 14 years. I asked him if he could intercede for us, which he did and was told, basically, tough luck. This rate increase is userous. What can I do to fight this?

I asked repeatedly for someone else to come out to inspect my property, especially from FEMA, since State Farm claims that it was FEMA who denied the claim. I could not see how FEMA could deny my claim when they NEVER came out to look at my property. One letter from State Farm stated that my policy "clearly states that my garage is to be used only to house vehicles". This language is found NOWHERE in my flood policy! I've had the Dept of Insurance look into this and they were of little help because of FEMA's involvement.

When I requested that FEMA look into this matter; State Farm calls me today to inform me that FEMA agrees with their decision. My claim in only for $2600.00 and that's just for the drywall that had bad mold and mildew from ground waters that came into the garage and caused the damage. I had an attorney look at my policy and he agreed that the policy is ambiguous when it comes to how a garage is a "residence".

I'm not an atty. but drywall and a drum set does not make a garage a "resident". State Farm even "lied" and said I told the adjuster that I converted my garage to a "music room". Since when does a set of 5 year old drums make a garage a "music room". I need help in finding out what is my next recourse.

Examples of my two wks of steam (humidity) and water damage are:

-- Double Pane window with water in it. -not covered

-- Water soaked warped doors/frames-clean and paint only

-- Shampoo carpets instead of replacing

-- Wooden Musical Instruments (Super sensitive to moisture) - not covered

-- Furniture swollen in spots from two wks of humidity/moisture damage-not covered

-- Cabinets swollen in spots from two wks of moisture/humidity- not covered

-- Ridge ventleaks- too minor-

-- Paint water marks - behind sheetrock, not a concern

-- Stereo equipment left in humid condition -not covered -

-- The remainder of my 30 yr seal tab roof has lost 15 yrs of life -not covered

-- Batting cage with tree on top of it- not covered

-- Roof on 8x10 shed (new) -not covered but the warped doors are.

-- Suspected electrical surge damage: -Ceiling fan- not covered -lexmark printer- not covered - dryer works on one cycle now- not covered

-- I havn't covered the odor and fridges.

Imagine your entire house a steam bath with blown open doors and exposed to the elements for two weeks what it would effect. I do not want to talk to Mr. Massey again. I paid insurance premiums for 9 yrs. faithfully on this dwelling. Thanks for your ears I'm tired.

State Farm has been unresponsive, providing nothing back to the communities they are paid to protect. I am waiting to see if they are going to raise our premiums for a claim they never paid out for.

What was especially frustrating about this is that we had an insurance review in the agent's office last fall and specifically asked if our kayaks were covered under our policy at replacement value and were told yes. We were also told that they were covered anywhere in the world. We often transport them on our car, and paddle and leave them periodically on beaches while we hike or camp. We were told no problem.

Now that we've made the claim we were told about the $1,000 limit and only at our residence. We did not read the policy, at the time we transferred our autos to this company and increased coverage and many things. We have four policies total with them and did not read them all carefully. Lesson learned. Anyway, I would like to bring suit against them because we relied on the agent's expertise but I believe it will be hard to find an attorney to represent us for this relatively small amount and because the limit was listed in our policy I don't know what our chances would be with winning.

My roof vents look like swiss cheese, (the storm came out of the southwest) I have 9 vents total on the south and west side of my home, all of which looked like swiss cheese. My husband had met with him, I'm really not sure which adjuster was first, I believe it was Mark Millerburg, but another one came out a week or two later and his name was Josh Mast. But anyway, the first adjuster told my husband that only the west side of the house substained damage and a few shingles here and there.

My roof is only 9 years old and I have a receipt signed and dated. The adjuster told my husband to take the money which was around 2200 and take his family on vacation and wait until the next storm to get the roof fixed because we had a few more years untill we needed a new one, I didn't find that funny. The second adjuster before he even set foot on my roof, his foot only on the first step on the ladder told my husband "If I don't find any hail damage on your roof your just going to have to dispute it".

I am stuck with an old roof, a pitted fence and no help.

The contractor said that State Farm owed them payment for the demolition phase; State Farm said that it didn't. State Farm never once offered to get us another contractor, or made any other attempt to get our house rebuilt. Eventually, they said we, and their contractor, were being kicked off the "premier service program". They gave us a small amount of money to get started and told us to get our own contractor.

We did. The new contractor is well-known in our town, and came highly recommended, having a reputation for both fine work and honesty. The repairs cost $15,000 more than State Farm had given us. We carefully and honestly documented every penny of cost. State Farm refused to pay. We had to borrow the $15,000 on credit cards to pay our contractor. We hired an attorney who cost us another $15,000, which we had to borrow on credit cards.

In July of this year, 2005, our case went to non-binding arbitration--a procedure the courts impose on hapless victims which accomplishes nothing more than wasting the unfortunate consumer's money and fattening all the attorneys involved. The arbiter, an attorney of more than 30 years experience in real estate law, ruled in our favor and awarded us 100% of everything that we asked for--100% of the repairs, 100% of our costs, and 100% of our attorney fees. But because it was a "non-binding" arbitration, State Farm thumbed its nose at us and simply refused to pay, and commenced to bargain with us.

The arbiter told State Farm, at the arbitration, right in front of us, that if they pushed this to a jury trial, they would probably lose even more. I suspect that's the only reason we got as much as we did. Rather than have to borrow another $20 or $30 thousand and wait another couple of years, we caved in and accepted $29,100, allowing them to steal $3500 from us.

Now think a moment, if you will: How many ordinary little homeowners can afford to come up with $17,000 in attorney's fees and costs to go after an insurance company? How many even have that kind of borrowing power? Not many, you say? Well then, those are the majority of State Farm's victims--the people without a voice, without the money to buy justice, the people who have no choice but to give up and go away. Which is, of course, exactly what State Farm expects, and why it is so profitable for them to automatically attempt to cheat every claimant at least a little bit, and some a lot.

I told him that because of the tree falling on one side of the roof, this should be in direct relationship and also be replaced. He disagrees, and said I saw an estimate on your refrigerator for a new roof so you will have to take care of it yourself. A guy went around our neighborhood and gave out several estimates to people and we put it on the fridge. This should have no bearing on the case. I believe we are entitled to have the whole roof repaired. Also there are purlins running through out house. Two of the were broken off. He wants to have dowels put in them, and not replace them in the original shape.

They illegally obtained bank statements from my boyfriend's BUSINESS account without his permission, costing him $85 in bank charges, which, though they filed as a claim against us, they have so far not reimbursed. Ms. Robinson has sent us no less than 5 letters stating that our tardiness in answering her letters and sending her the information she requests will cause our claim to be denied. I've told her more than once that I only pick up the mail at our mailbox 1-2 times per week, and that since we've moved into this house, our stuff is so disorganized we can't find most of the things she is asking for or it doesn't exist (i.e. business licenses for my boyfriends business that is no longer active.) (Not to mention that the moving company seems to have misplaced a good deal of our belongings, but that's another complaint, altogether!)

So far, no payment for $10,000- $15,000 worth of tools stolen and front door damage caused by this burglary. The really interesting thing about this is that the agent never sent us the policy, just the page of exclusions. She also never got our signitures, so we NEVER agreed to be treated in such a way, nor to be bound by their ideas of what they can demand we provide in terms of documentation. Will we have to go to court to get this resolved? It's been almost a year!

State Farm has requested me to do a statement under oath with their attorney. i have complied with all they have asked. I think its completely absurd that even on this date with all my belongings and furniture stolen they are not providing me with any level of satisfaction nor statute of time in which this claim will be handled. I know based on conversation and dialogue with State Farms Attorney that i am being depicted as the bad guy as opposed to the victim i have become in this lost. I have paid my homeowners insurance premium for 5 years with no problems and never has a claim been filed. Now i have been victimized in a burglary and i the insured cant get any satisfaction from State Farm.

The comments and statements from the State Farms' parties involved is such of a racially or demographically based insinuation. As if i am committing some type of fraud. I would like to have this issue addressed and researched to ensure that as an insured consumer i have been treated fairly and rationally without a biased or personal interest by representatives of State Farm Insurance Company.