BUDD LAKE, NEW JERSEY -- Been dealing with State Farm for 40 years, first with car insurance, then both homeowners and car, then just homeowners. My wife and I are moving to an older home within the next few weeks. Considering State Farm has my present homeowners insurance (15 years) as well as having insurance for several other family members, I thought it would be best to get a quote from them. I should not have wasted my time.
First, they wanted pictures of the outside of the house and any outbuildings, then also of the electric panel as it has recently been upgraded... no problem. After they were furnished with these, I waited over two weeks, and then had to call twice for them to quote me. When they did, they told me they turned it down because the house was below average condition, which it is not. Granted, the house is old, 1840, but has aluminum siding, and has been upgraded, electrical, heating, kitchen, etc. To add insult to injury, they were trying to sell me car insurance at the same time on top of it.
Just as a note, I have never had a claim for homeowners, or car insurance in all these forty years. Granted, my credit history has not been good the last couple of years like a lot of Americans, if this has anything to do with it; which it should not. They don't care about customers that have been long standing... They just go for the easy money. The original agent that myself and my family dealt with retired a long time ago. Too bad, he was great to deal with. The present one that I use, you cannot even talk to him directly. I therefore am seeking out another insurance company and will advise all my family members and friends to do the same.
I purchased a home in June of 2006. Several years later, as I was doing some yard work in my front yard, a neighbor – who identified himself as ** - ran from across the street to offer some assistance. During his short visit he said to me, "I work for State Farm Insurance. When you moved in I wanted to see who you had insurance with so I scanned your name & saw that you were already with State Farm."
I thought this was unusual, as I did not authorize him to ‘scan' anything and this was my first encounter with this man. I did, however, tell him that I was not satisfied with my current State Farm agent. ** then told me that he worked for an agent in (Olmsted Falls, Ohio) and he then suggested I switch everything over to his office. Although I agreed to the transfer of agents, I still felt uneasy about the fact that he looked something up without my authority or knowledge. I felt this was an invasion of my privacy.
On June 10, 2011, I viewed my credit report with Experian online. I noticed that my credit report was viewed by ‘LexisNexis / State Farm' in March of 2011. I thought this was unusual, as I did not authorize such an inquiry. So I contacted my State Farm Agent to question this. I received the company voice mail and I specifically stated that I wanted THE AGENT to call me back. Although I specified this, within 5 minutes ** called me back. ** said, "What can I do for you?" Since I did not expect ** to call me back and my issue was pertaining to **, I simply said “I just wanted to know how much I am paying in house insurance per year because I am shopping around”. ** then said to me “you are paying $512 a year”. I thanked him and we hung up.
I then called the agent's mobile number and spoke to him directly. I went into detail about the first incident that I had with ** in my front yard. I told him that I was concerned because I saw that State Farm has viewed my credit report in March of 2011 without my authority. The agent explained that there was ‘absolutely no way' that State Farm can view my credit report. I then asked him if his office had access to Lexis Nexis and he stated ‘absolutely not'. He again told me that State Farm ‘never' looks at existing customers' credit reports. He asked for me to send him a copy of my report to prove to him that State Farm looked at my report. I agreed and then we hung up.
Nearly 15 minutes later, I received a call from the agent. He was now in defense-mode, as his tone was now that of anger and he was now acting as if he were an attorney. The agent said to me, “State Farm reviews your credit every 3 years”, which is now a contradiction to his initial statement that State Farm ‘never' looks at existing customers' credit reports. The agent insisted ** ‘wouldn't do such a thing'. I then reminded the agent, once again, that ** admitted to looking up my personal information after moving in to my house. He said to me “look, what you think of ** as a neighbor is none of my business”.
I then reminded the agent that my first encounter with ** was unusual, as he ** was discussing my personal information (that he had already looked up) for the sole purpose of selling insurance to me as a benefit to State Farm. The agent then said to me, in a sneaky little voice, “ohhhhh, but that's not what you said the first time! You said that ** said that he ran across the street and told you that he ran your credit report! Now you're giving me 2 different stories!” I said to the agent “I didn't say he ran my credit report the first time he came to me, I said he ‘scanned' my name, without authority” – however he did this, I do not know.
But, in March of 2011 State Farm reviewed my credit report and I wanted to know why. The agent then said to me, “No, you said that ** ran across the street and told you that he scanned your credit report, now you're telling me something else. And see, here I called ** and told him what you said & now you're saying something else!'' (as if to ‘trick' me). The agent certainly is not a good listener, as I never stated this to him (and it doesn't matter anyway, my privacy rights were STILL violated!). I felt like I was arguing with a 10 year old child.
The agent is clearly unprofessional. He also made me feel as if I were on trial and I told him this. The agent then said to me, “let me ask you this, why did you ever come to my agency?” (as if he were suggesting I was a problem client simply because I was not satisfied with the service I received from my first agent – of nearly 20 years). I responded “because I was not satisfied with the way my last agent handled my claim”. ** then said to me, “look, you are certainly free to take your business elsewhere”. So I am.
I have been a State Farm customer for about 23 years. State Farm has very poor customer service. I am now going to file a formal complaint with the Attorney General of Ohio due to my privacy rights being violated. I am now in the process of transferring my auto insurance to Progressive. I have already had a much better experience with them. I am currently looking into transferring my home to another company, as well. Once I have transferred all of my possessions to another company, I will never go back to State Farm again.
My daughter has already transferred her new auto to another company due to ** unprofessional behavior (a separate incident). I am going to encourage as many people as possible to switch their insurance to Progressive – all due to the lack of concern, privacy violations and unprofessionalism. ‘Like a good neighbor State Farm is there'? What a JOKE.
WINTER HAVEN, FLORIDA -- I received a certified letter from State Farm 7/13 stating they did not renew my policy 4/13! No notice. No insurance for 3 months without my knowledge. I called to ask why. I've never had a claim in 15 years and always paid my premiums on time and in full. I was told a letter was sent to me 4/12 with suggestions for things they wanted done to the property. I did receive that letter and I complied with each "recommendation." Never did the letter state it was required that I had my property manager do these things, yet I faxed them to her. She had them done and charged me for them in my May statement.
State Farm's letter was dated 4/16 and the items were completed on 5/4. When I asked why they failed to renew me, I was told that I had not provided invoices, photos, etc. on the items they wanted done. Huh?! Apparently I needed to fly 1500 miles to act as their secretary. Nowhere in their letter did it state these main items are mandatory and documentation must be submitted to State Farm. I guess the customer is supposed to be a psychic secretary!
OK, now that I know you need me to do your paperwork for State Farm, I will ask the property mgr to submit everything on my behalf. State Farm then told me it was too late. They would not renew the policy! Perfect payment history. Perfect lack of claim history. Perfect compliance history yet they refuse to allow me to continue as a customer. So sad to see companies who feel customers are not necessary to their business. With an attitude like State Farm has down me, I would love to see them go down the tubes ASAP! I am a small business owner and treat my customers like GOLD, because that's what they are. They are the reason my business exists and grows!
PIPESTONE, MINNESOTA -- After reading some previous remarks it is clear to me I will simply be uninsured after next month. My parents put "30 year shingles" on their home in 2003, and then they failed within 10 years, and all indications have been that the class action settlement against the shingle company would likely net them $800 or so. Unable to afford the cost of re-shingling, they just did nothing. Then Dad died.
Mom signed the house over to me, as she was unable to maintain the cost of insurance, taxes etc. Mom continues to live in the house, at age 91. I pay the bills. I was required to write a new insurance policy by State Farm, which I did readily. I have been a State Farm customer since 1984, every house, car, camper. Today my thank you and goodbye letter came from State Farm Insurance. They Cancelled my Homeowners policy due to the curled, but functional, shingles. Save your rhetoric. I give up.
BLOOMINGTON, ILLINOIS -- We were 1 block away from the touchdown of a tornado on April 3, 2012. We sustained wind and hail damage to our roof. State Farm only wants to replace the West and North side of the roof and repair and patch the South and East side. They are doing over 1/2 the roof, but refuse to do any more. This roof will not match the existing roof. I don't want a patch job. This will look terrible and I will never have a nice or consistent looking roof again unless I pay for it. I thought replacement value insurance would put us back in the same position before the damage.
They told me they don't have to match the existing roof and basically it just has to be functional. Don't trust State Farm to do the right thing and go over every detail of your policy. I thought we were covered for this type of loss. 12 years and never a claim, first time trying to get them to pay and it is a tough luck. By the way every other home that has a roof replaced in our neighborhood has had the insurance replace the roof.
HOUSTON, TEXAS -- I had an apt dwelling ins policy and one for my home. I received my refund for my apt. policy, but was also cancelled, by mistake, for my home insurance I paid $2070 in full for the year. Now I have no coverage or refund and am vulnerable and very uncomfortable. I can't get the agency to return my call. She has my money and I have not coverage. This is unacceptable!!! I keep leaving messages and cannot get a return phone call. The answering machine is all I get. If anything happens, I promise I will sue St. Farm!!! I expect a phone call asap to **. Please reply ASAP!!!
BLOOMINGTON, IL, ILLINOIS -- State Farm Insurance Company is definitely not your "Good Neighbor". I have never filed an insurance claim in my life. We had a small leak in a bedroom ceiling. I called my State Farm agent to inquire as to the provisions of my home insurance policy. I told the agent that I would not know the extent of the damage until I got up into my attic.
As it turned out, the problem was solved with a $1.65 tube of caulk and a gallon of paint from Wal-Mart. It wasn't until my policy renewed that I found that my rates had gone up substantially and I was now listed on a national insurance data base as having filed a claim! Farmers Insurance would not insure me because of my "bad" claims history. Had to go with Lloyd's. Have had no success in dealing with State Farm corporate office. My advice: disregard their media commercials. They are a BAD neighbor you should avoid.
On January 8, 2011, I had my prized truck stolen on the return from a hunting trip. On the first day I called the toll free number And was treated very nicely and given another. Number to call for the claims team handling my claim I tried for the next 3 hours without being able to reach the claims team. On my last call I finally reached someone who told me that team was not even working that day. Very frustrating.
On Monday I spoke with a team leader who was very professional and easy to deal with. I then spoke with the claim representative for the homeowner side and what a difference. I felt like I was being accused of stealing my own truck and all the hunting gear inside that went when the truck was stolen.
I was very PO by the time I was done. The auto side has been great and informative during this time and has kept me in the loop. The home owners side has been hard to deal with. Information is hard to get and the email responses have been very rude. After everything is settled I plan ongoing to a different company for my homeowners coverage. I have been with them since 1992 and after this will have no problem moving to a new company.
STERLING, COLORADO -- I have been with State Farm for all my insurance needs for over 20 years. I opened this quarters bill and find a 24% increase on the coverage for a rental property I have. After a call to the local representative, he stated that everyone was hit with up to a 24% increase because of all the hail damage claims they have had here in Northeastern Colorado... BS!! I recently submitted a claim for roof damage on a rental I have in the Western Slope of Colorado.
After negotiations, and a large deductible, I was given enough monies to DO THE WORK MYSELF. I have had it with corporations like this arbitrarily increasing premiums because of a claim... What the hell are insurances for? I figure that the 5K they gave me to replace the roof... does not compare to the tens-of-thousands that I have spent with this company insuring homes, rentals, cars, etc. etc. etc... Anyone considering this company as a carrier should investigate them thoroughly before doing so. I which I had!!! This company did not even give me a courtesy call before the increase... which is just as wrong as the increase.
CEDAR RAPIDS, IOWA -- Well, today we received a letter from our mortgage company stating we had no homeowners insurance since the 21st of April, 2010. I was quite surprise because we have had insurance with State Farm since buying the house. So, we call State Farm and they say we were dropped due to too many claims. We had 2 flood claims (act of god) and a dog bite claim of $450. They said they sent us a notice of cancellation. So, we asked our agent to get us a copy of the letter.
About an hour later, they called and said State Farm didn't have time to notify us of being canceled. So, they had to reinstate our coverage for another year but to expect a letter in the mail next year. So, if anybody out there has "State Farm insurance" be aware that they may drop you. I would start shopping around and comparing prices and drop them before they drop you. It doesn't cost anything to compare prices and you might save a lot. “Like a good neighbor my ass!" My neighbors would do that to us. They left us without homeowners insurance and a lapse of coverage because we didn't even know we got dropped. Good business ethics Snake Farm.