KANSAS CITY, MISSOURI -- I have been a customer of STATE FARM for 32 YEARS, having had multiple policies for home, boat, several autos, etc. In that time, WE HAVE NEVER MADE A CLAIM ON ANY POLICY UNTIL THIS YEAR WHEN WE HAD A BURGLARY OF OUR HOME! Our claim was processed and paid - and then immediately following we received an INCREASE OF 25% in our homeowner's insurance premium.
It is fraudulent to allow the consumer to believe they are paying to be insured when in reality the company intends to get its money back from the customer should State Farm EVER have to pay money out on a claim. The idea of insurance is to share the risk of losses occurring - STATE FARM TRANSFERS ALL RISK TO THE CONSUMER!
We received damage to our home due to a terrible storm three weeks ago and we are still waiting for the claims agent to tell us what we need to do, what papers need to be filled out, etc. We at least have a claims number but we get no response when trying to contact the insurance company. I don't know how they stay in business with such poor service. If they are really busy and can't get to us, all they need to do is let us know. Having no communication is what is frustrating. It's time to look elsewhere.
My car was hit by a State Farm insured and I was turned over to a State Farm claims adjuster after having to make 2 calls to the agent of the insurer. Since I was told that I could either take my vehicle to one of State Farm approved shop or get one of their adjusters to look at my vehicle, s damage, I opted to have an adjuster to look at my vehicle.
Prior to the adjuster showing up at my home I took my vehicle to one of State Farm approved shop for a separate estimate of damages. When the adjuster showed up to look at my vehicle I had to end up showing him the estimate from the shop of their choice because he could not understand why their estimate were different. The adjuster then stated to me, that "Black was Black and White was white in his book and he would not pay for tint in an estimate.
When I called the Claims adjusters supervisor and stated the problem to her, she got very rude and said, I could take my vehicle to a shop to get it repaired and they could consider a supplemental claim but not necessarily pay for tint to paint my car back to the way it was. I asked for another adjuster of their choice to re-examine my vehicle since I felt that the first adjuster apparently must have been new or just didn't know what they were doing and I was told their estimate was final that if I didn't like it.. Well it was too bad because there was nothing I could do about it.
MARRERO, LOUISIANA -- The day after thanksgiving my car was struck by a client of State Farm while I was sitting at a red light. After giving my version of what happened 3 times to 3 different people, I asked when can I get a rental car so I could be able to get around. I was told that they had to wait for the estimates to come in on all 3 of the vehicles involved in the accident (I am covered by progressive, the other 2 by State Farm including the at fault driver).
The investigation concluded that I bore no responsibility and was not at fault, amazing huh? I was sitting at a red light.. was told that I should go to my insurance comp. and get a rental through them. Their client had minimal coverage and there may not be enough to repair my car, pay my medical expenses (yet to be incurred) and cover a rental car fees. It has been 5 days and I refuse to go to my insurance company. They also offered me $1000.00 as a settlement along with $3000 set aside for medical expenses. I declined... to be continued.
CONYERS, GEORGIA -- Had hail damage to my roof on my home. Adjuster came and confirmed. I had already had a couple estimates but he adjuster's own estimate was about a thousand too little but said if the contractors actual costs are indeed higher to just submit the final invoice after the work is completed and they would adjust the difference. Well after the work was done I never could get the adjuster to return my calls. I have received the amount that the adjuster originally estimated for. I then contacted and faxed the information to State Farm's office.
My agent gave me of which the initial conversation over the phone indicated they were going to adjust for the difference. A few weeks passed and I called on a status on the claim. Everyone I talk too says the claim is paid and no adjustments have been made nor are they willing to do so or even discuss it. I am now filing a complaint with my states do nothing insurance agency but I am also going to switch to a different insurance company right away.
What's the point of having insurance if the insurance companies don't want you to put in a claim? Thought that was the whole point of having coverage! State Farm decided to drop us after two water damage claims that we put in. Both damages were caused by the condo owner above us. When we talked to our agent and adjuster they assured us that these two claims wouldn't affect us and that they were going to go after the people above us. The whole insurance industry is a scam. They want our money, but when they have to pay out they get rid of you. We'll be moving all our policies to a different company.
JACKSON, TENNESSEE -- I put in a claim for roof damage. The wind blew some shingle off my roof, roof began to leak, run down my hall onto the carpet. File the claim, was instructed to call a contractor out to take a look. Contractor said about a $687 in damage. A claim adjuster came out, said about $400 damage. I ask why the big difference. He said because of hail damage which he stated we hadn't had in several years, which was a lie, just had large hail last year.
Call the claim office back. I was instructed to call another contractor out to give another estimate and send it in, which I did. He estimated $678 damage roof had to be re-shingle. Never heard from the claim office like he promised. Call several times. Never return my calls. Finally got in touch with him. He said he would send a new claim adjuster to meet with the contractor to take a look. It turn out to be the same redneck adjuster. I'm never late on payment. I have all my Insurance (life, auto and home) with them.
TUCSON, ARIZONA -- My RV was broken into/severely damaged/valuables stolen while setting beside my home. State Farm agent filed 3 claims, 1) RV insurance 2) homeowners ins 3) fire insurance. As of this date: my homeowners deductible has been raised to a 1% or 1,875.00. My vehicle history shows a total of $12,000.00 (Total of 3 claims) comprehensive claim. I tried to move one of the vehicles to farmers insurance, won't take me, the $12,000 claim made me not insurable.
How can I be the victim of a robbery and destruction of property and be made the victim of the insurance company too. I have asked my agent.. No response... Bad treatment... Bad result... Something has to be available for me to do to correct this. Help!!! Add insult to injury. Loss of RV use for 1 and 1/2 years. That's how long it took to get RV usable. Job was never finished. I am now finishing it myself out of pocket. Police have never found any one. They have fingerprints.
CALIFORNIA -- Yes, lousy service on a claim that the car was parked in a space and hit by one of their clients, open and shut case. Now they say the payments in the mail, heard that one before and still waiting. Nothing but a bunch of liars!! If the effort was put into handling claims as they sit on their behinds, it wouldn't take long to process. As for being a State Farm client good luck to you. You won't change my mind or a lot of others who feel the same way. Can't wait til they stick it to you, and you start squealing like a pig, it will happen.
BAKERSFIELD, CALIFORNIA -- When my husband got into an accident with a driver insured with State Farm a SF agent called and left a message on our phone that anyone on Team 3 can help him file a claim. The problem is that no one person appears to be in charge of the claim on this team. This team acts dysfunctional. There is no harmony, no agreement among these team players. Each phone call and each letter from State Farm is from a different team member. It is ridiculous to repeat how the accident occurred when a new team agent calls. This info should already be in the claim file. One team agent said get an estimate of damages from a repair shop of your choice and that State Farm will pay for the car damages.
I got the estimate and the car is a total loss so the agent said a claims adjuster will inspect the vehicle and to give the adjuster the estimate from the auto repair center. But right after that phone call another team agent called and said SF will not pay for the car damages and that SF is going to investigate the accident. I find this confusing because I don't know whom to believe. Another team agent wants to set up an appointment for the car inspection, but another team agent said my husband is responsible for the accident and wants reimbursement for their client's damages. Who has the authority to make decisions on this claim?