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Took Forever to Review Requested Homeowers Policy, Then Denied
Posted by Pinecove76 on 09/05/2012
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.
     
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Posted by trmn8r on 2012-09-05:
I have used State Farm for decades as well, and love them.

It is impossible to know if you were improperly denied based on your complaint. State Farm doesn't automatically insure everyone and everything they are asked to. My house is in insured by State Farm, and I can't recall any problem in making that happen.

I'm sorry that a decision not to insure leads you to attempt to get people to drop them - I doubt that will succeed. Your experience is personal to you, but if others believe they are being treated fairly they will likely also say "we're sorry this happened to you" and move on.
Posted by madconsumer on 2012-09-05:
i found this review very helpful, and voted as such!!

having lived in several states, in those states, state farm insurance has a reputation for refusing to pay valid claims. that is why they are known in some states as "snake farm".
Posted by chigrl on 2012-09-05:
Be happy that you are not with State Farm. They cheat their customers by not telling you how they calculate your loss. Replacement value insurance is not what it seems. Glad I am rid of them. Losing them may be a blessing in disguise
Posted by onlooker on 2012-09-06:
I also feel you need a new broker.
Posted by CowboyFan on 2012-09-06:
I have State Farm and like them. The problem with homeowner's insurance is that the condition of the house makes a difference. If the house is older, even if upgraded, that means that in a lot of different ways it does not meet current building codes. Obviously, any insurance company is going to be more leery about insuring such a home.
Posted by Rich on 2012-12-01:
I just found out that having your house vacant makes insurance companies run away as fast as they can. I have moved and thought my insurance would be much cheaper since my house had no possessions in it. Not so. If your house is vacant, there are all kinds of exclusions to your policy, if you can get insurance at all. State Farm did not have my prior policy but they do have my car insurance and life insurance. They would not write a policy at all. Keep looking or you will have to use a state run insurance plan.
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Over Price
Posted by Vdoeffects on 09/24/2007
FLORIDA -- I recently received a bill from State Farm Insurance indicating that my home owner's policy had increased by by more than 50 percent. At first I thought it was a mistake since I have had State Farm Insurance for many years and never made any claims. State Farm increased their premiums to a astronomical rate. I am just a middle class worker and this certainly has put a burden on my budget.

I contacted state Farm and the excuses range from inflation to disasters. I asked the State Farm agent to review my policy to see if there was any possibility in reducing my rates. The agent advised me that there was not much she could do since my coverage was already at it's minimum. Upon advising that I would look at other insurance companies, she immediately advised me that she found a reduction and that my insurance premium would be reduced by $200. This agent reminded me of a desperate car salesman, you know the one that gives you five different deals while you are sitting in the office. I asked the agent why State Farm raised the prices and she stated it was the county I resided in. This did not make any sense since the county I reside received minimal damage from a hurricane and the crime rate is very low. The county just north of us has a higher crime rate and was hit severely by a hurricane, but their premiums are a lot lower.

I recently found an insurance company who has a lower premium so I will be dropping State Farm. It appears that insurance companies are doing what ever the hell they want ripping off the consumer. They claim that they are cutting back and increasing their rates to compensate for the money they have paid out recently. What about the money we have paid all of these years. I think you guys are fat rats!

Who has the biggest sky scrapers in the big cities? Insurance companies, so don't tell us you are in need of money. Shame on you. If I could get every person in the world to leave State Farm I would lead the project!
     
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Posted by jenjenn on 2007-09-24:
I had a fairly reasonable insurance company up until this Summer. I decided to switch to Travelers and saved over $350 on my homeowners/car insurance. You may want to check them out. They're very professional & prompt! So far, I like them a lot.
Posted by Hugh_Jorgen on 2007-09-24:
You are fortunate to live in a part of Florida where State Farm still writes policies. A good friend in the Tampa area has had four insurers in the past ten years as more and more of them leave the state.
Posted by old fart on 2007-09-24:
There is an advantage in living in Michigan..as crappy as it is, My state farm policy dropped by 8 bucks a month and I got a $15 dividend check a couple of months ago..It is by far the cheapest insurance available and I have full coverage.

I had a minor fender scraper a couple of months ago(not my fault), and they paid the $550 claim without batting an eyelash..
Posted by moneybags on 2007-09-24:
By any chance, do you qualify for USAA? We, om the Gulf Coast of Alabama, as well as our friends and victims in Mississippi, Louisiana and the Florida panhandle feel an d know your pain.
Posted by flipper on 2007-09-24:
I, too, live in Florida and have State Farm homeowners insurance. I would have been happy if my insurance had only gone up 50%. It went up 75%! I also have never had a claim.
Posted by lobo65 on 2007-09-24:
I live on the MS Gulf Coast, and my insurance has been raised dramatically too. I jettisoned Allstate for USAA, but nobody is writing wind/hail coverage here any more. I had to go into the state wind pool program, which wound up doubling my mortage each month. My payment went from $644.00 a month to $1026.00, and that's with a $1,000.00 deductible. That's half my monthly take home pay.

The only damage I received from Katrina was some missing shingles--had to get a new roof. After the shady practices they displayed here, and with tornado victims in Oklahoma, State Farm would be the last company I would ever choose. I had them once for car, and they were more expensive than anyone else for the same coverage.
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Beware of State Farm
Posted by Chigrl on 05/15/2012
BLOOMINGTON, ILLINOIS -- We were 1 block away fromthe 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.
     
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Posted by Kris10 on 2012-05-15:
I would contact your state's insurance commission to see if they can help you out. They might be able to persuade SF to help you.
Posted by trmn8r on 2012-05-15:
To me, it makes sense to not replace portions of a roof that haven't been damaged. You are talking about a lot of material and labor(removal, disposal, new material and install) simply for an aesthetic reason.

I have seen this identical complaint in the past year, and it makes sense that some with storm damage would wind up in this position.

Are any of those having an entire roof replaced also with State Farm? Is there damage to all faces of the roof in those cases?
Posted by CowboyFan on 2012-05-15:
Hire a roof inspector to see if there is sufficient damage on the South and East sides to warrant replacing the roof. If not, see if the roofer will give you a discount on replacing the South and East sides when he does the insured work.

This is like getting part of a car painted after an accident. You can't expect the insurance company to pay for painting the entire car, just because you want the paint to match perfectly.

Also, for them to replace the South and East side would give you more than you had before, a new roof in that section, which was apparently not damaged significantly by the storm.
Posted by stormy on 2013-05-25:
I get what u r sayin but the roof they had before the storm all matched and im sure the premiums they have been paying over the years will more than cover 20 roofs so with that being said state farm needs to pay up also you can get a perfect paint match but not on shingles you sound like you work for state farm very shady
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State Farm dropped our homeowners insurance without warning!!!!!
Posted by Steroidpiolot on 04/30/2010
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. I 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 lap of coverage because we didn’t even know we got dropped. Good business ethics Snake Farm……
     
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Posted by Alain on 2010-04-30:
They corrected the problem because they had to. You'll definitely be better off with another company. Be sure and get a new company before they cancel you so it doesn't affect your rates. (Off the subject, but give a wave to Cornell if you're out around Mt. Vernon for me!) Thanks for the review.
Posted by Hugh_Jorgen on 2010-05-01:
It's good to know you got another year out of them. Like Alain said, get an early start on a new policy - just like you have a credit score, you also have an insurability score called a CLUE report. Once an insurer drops you for excessive claims and they report it to CLUE, other companies might be hesitant to write a new policy as you are now considered "high risk".

You can learn about CLUE reports here: http://www.privacyrights.org/fs/fs26-CLUE.htm

Good luck!
Posted by clutzycook on 2010-05-01:
Man, that stinks. Unfortunately SF is notorious for stuff like that. At least you have a year's grace to find a new company. Get one pronto and give SF the boot.
Posted by twixypeps on 2010-06-18:
Legally they have to send you a letter of cancellation 45 days before you are canceling. ironically humans make mistakes sometimes, so no one pushed a button to send you a letter. They realized since they made a mistake, they are keeping you on for another year....i don't see why you are mad about that...and 3 claims is crazy! every insurance company would have canceled you! I will willing to bet a ton of money are ineligible to get insurance elsewhere and will have to get some with your state's fair plan
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Lousy Service And Privacy Violation
Posted by Vklasa3 on 06/11/2011
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 Gary - 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. Gary 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/StateFarm’ 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 Gary called me back. Gary said ‘what can I do for you?’ Since I did not expect Gary to call me back and my issue was pertaining to Gary, I simply said “I just wanted to know how much I am paying in house insurance per year because I am shopping around”. Gary 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 Gary 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 Gary ‘wouldn’t do such a thing’. I then reminded the agent, once again, that Gary admitted to looking up my personal information after moving in to my house. He said to me “look, what you think of Gary as a neighbor is none of my business”. I then reminded the agent that my first encounter with Gary was unusual, as he (Gary) 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 Gary 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 Gary 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 Gary 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”. Jared 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 Gary’s 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.
     
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Posted by Venice09 on 2011-06-11:
Both agents do sound very unprofessional. My husband has been with State Farm for over forty years and has only had two agents during that time. We have had the best customer service that could be expected from an insurance company, and I believe it's due to the agents. If you can't find a decent State Farm agent, I don't blame you for leaving.

Nice review. A little lengthy but well-written and easy to understand.
Posted by trmn8r on 2011-06-11:
I found this whole experience foreign. I have been a State Farm customer since 1980, and my parents for many years prior. I have been with a total of 4 agents through my moves and each has been totally professional.

What the neighbor did is odd (telling you he had looked up your name and address and found you were a SF customer), but it doesn't sound like he solicited you. You told him you were dissatisfied (you don't say what claim issue you had), and arranged to switch.

So, I guess your recent experiences are the unspecified claim issue with the previous agent, and this credit inquiry. The agent should know State Farm's procedures, I would expect, about running credit checks. I'd be a bit upset too.

I have to reiterate, I have never had any trouble with communication or the professionalism of my agents. I'm sorry your experience is different.
Posted by Venice09 on 2011-06-11:
Many of the complaints I read here about State Farm revolve around the agents. I'm guessing it's that way with all insurance companies. My husband has always been able to deal with the agent and office in person. That might make a difference.

I have to say that I wouldn't be too tolerant of the way the original agent spoke to the OP. It does sound like a conversation with a child, and a bit shady, too.
Posted by trmn8r on 2011-06-11:
Yes, I agree with you Venice. I'd be tempted to report this directly to State Farm, if that is possible.
Posted by Venice09 on 2011-06-11:
Now that you mention it, I have no idea if State Farm can be contacted directly. We have never had to do that. I wouldn't be surprised if everything goes through the agents.
Posted by Nohandle on 2011-06-11:
I think there's a State Farm Agent on every block, at least in this area. I have homeowners, auto and about everything else concerning my personal property. It's my understanding they are higher than many insurance companies as far a premiums but I've been pleased all these past years with the service.

It is also my understanding many of these insurance companies do in fact check your credit report from time to time. Do I like it, do I not like it? I've really never thought about it but by golly I've never had another individual attempt to solicit my business from another agency representing the same company.
Posted by Venice09 on 2011-06-11:
Yeah, the neighbor sounds a little shady, too. The OP's whole experience is strange. I never gave any thought to the credit report thing. I'll ask my husband if he knows anything.
Posted by trmn8r on 2011-06-11:
I never give my credit report a second thought. My neighbor could be running checks on me for all I know. I've checked it once in my life and nothing odd was there.

Nohandle - yeah, they say how your credit report affects the premiums you pay these days. I guess they must check it.
Posted by Venice09 on 2011-06-11:
I think credit reports are checked by more people than we realize. I have never looked at mine. I also have never been turned down for credit, so I'm assuming it's okay.
Posted by Vinnie11 on 2011-06-11:
He probably checked your CLUE (Comprehensive Loss Underwriting Exchange) report. If you have never seen it, you may want to order one from Lexis Nexis just for the heck of it. You will be amazed about the information that has been collected on you. It is LIKE a credit report but has insurance related stuff on it instead. It lists all of the carriers you've had, all of the claims you've made, your DMV record, potential drivers of your vehicles, claims made on your vehicle prior to your owning it (if you bought a used car), etc... When I ordered mine, I also received a standard credit report so I think that may be part of it.

Your insurance carrier does run your credit every now and then. Your credit rating is a huge component of your rate and if you were already doing business with them, I don't think it is a huge deal. The agents sound like jerks. I hope you are happier with your new carrier.
Posted by Venice09 on 2011-06-11:
Great info, Vinnie. Thanks!
Posted by madconsumer on 2011-06-11:
great point of view vinnie!!

i do know insurance companies often scan ones credit report for various reasons.
Posted by Nohandle on 2011-06-12:
Good information Vinnie. Thanks. I've had the same State Farm agent for so long that I honestly don't know what goes on behind the scenes and again had never thought about it. At least my insurance wasn't cancelled, nor did my premiums increase after that costly burglary I had a number of years back.
Posted by John on 2011-07-05:
Write to state farm home office in Bloomington,Il.
Edward Rust is the president.
Also BBB in your area.
Posted by Chip on 2011-07-24:
The agent's direct "supervisor" is the agency field executive. You could ask the agent for his name and number. If that agent won't give it to you, contact an agent in the same town/county. They will have the same executive and should give you his information. Of course, you can always write to the CEO, but that will usually take a little longer to get the ball rolling.
Posted by TAL on 2013-03-14:
For everyone's benefit. Go to www.BadFaithInsurance.org. You will see that your favorite insurance companies are not who you think they are. Then go to www.burcos.com/recover and read the "Insurance Hoax" article written by Bloomberg. It will open your eyes to things you would have never imagined.
Posted by Angela on 2013-07-18:
I can believe it. State Farm does use lexis/nexus WITHOUT permission and also office workers in other agencies than your own can and do access your account when you phone that agency. That is a violation of my privacy. A lady I know works for another agency and she left a message for me to call her at work which I did and later that week she was making references to what was in my account. This is a violation of my privacy and State Farm is vehicle in which these issues continue to exist
I have moved all my business elsewhere and I had been with State Farm for over 30 years. NO MORE
Posted by jim on 2014-03-08:
I got on this because of LexisNexis/statefarm running a credit check on me. I have no mortgage on the home I insure with them, I insure both cars both paid for, never have had an accident claim in all the 12 years I have been with them. When I questioned about their snooping all I got was an answer with do that to see if I am elgible for a deduction of rates. My credit score is 814 and when I asked what I have to have to get a deduction all I got was a dah
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State Farm Cancels Another Policy
Posted by Tsarah on 02/15/2011
State Farm cancelled our policy today after many years with their company for a claim that was submitted. There was a very big snow storm that caused a tree limb to go through our roof. We thought that was the reason we paid insurance every month and even asked them if it would affect our policy and were told it would not. Then I get a call that they are dropping us because of it. They are unethical anddo not care about their customers.
     
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Posted by unhappy999 on 2011-02-15:
I agree with you. It should be against the law to drop your insurance or raise the rates because you have a claim. You pay insurance for years and nothing happens so they are making money for nothing and then something happens and they have to pay a claim and then they don't want you as a customer. All they want to do is get money for nothing.
Posted by Weedwhacked on 2011-02-15:
Unfortunately the lobbyists and government allow this type of unethical action. This is one of the things wrong with America. The lawyers, lobbyists, and shareholders all screw over the American public for money.
Posted by Anonymous on 2011-02-15:
state farm sucks to beign with. I dont understand how they insure most people in this country when they totally suck. had a similar circumstance with them. I love how they make thier commercials so caring...like a good neighbor...yeah right. More like the lousy drunk neighbor who makes noise at 3 o'clock in the morning.
Posted by old fart on 2011-02-15:
I have state farm and they have raised my rate 3 times in the last 6 months...Time to start shopping!
Posted by trmn8r on 2011-02-15:
I am a very happy State Farm customer. I guess I am not the only one, since according to P-C they insure most of the people in the country.

I'm willing to accept that SF deserves criticism, but this statement blows me away:
"I have state farm and they have raised my rate 3 times in the last 6 months"

I don't understand how this can even happen. I have had SF auto for 30 years, home for 10. I get one bill per cycle, never an interim one. If my rates go up, it happens during renewal (twice/yr for auto, once for home). I suppose theoretically, my auto could go up *once* every six months, but it doesn't. I'm scratching my head here...
Posted by old fart on 2011-02-15:
Trust me trmn8r.... back in July my rate was 70/per month... it is now 100 dollars and i haven't had a ticket or accident in 40 years... according to my agent, I have all the discounts possible!
Posted by Ytropious on 2011-02-15:
My husband had one accident on his record and State Farm wouldn't take him! We said screw them and took up Geico instead. Now that we have a house we insure all through Allstate.
Posted by trmn8r on 2011-02-15:
Well, that is understandable. State Farm does have a thing about not taking people with accidents on their record. I let my insurance lapse 20 years ago, and SF penalized me by throwing me in a higher risk category for 3 years, until I earned my way back into the cheap seats.

Geico? I had Geico when I was 18. They jacked my rate over 100% for no reason whatsoever, except they could. I can remember exactly where I was standing, on the phone with Geico, 30 years ago. So it cuts both ways, I suppose.

old_fart -> ok, I'll trust you. Saying it went from $70 to $100 is tangible, but you didn't explain how it was increased three times in 6 months.
Posted by steve101 on 2011-02-16:
After watching their commercial saying I could save 40% on my car insurance, I just got my bill and it was raised a whopping 30%!!! Thats with NO accidents or tickets.
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State Farm Stinks
Posted by Brownsville on 01/29/2011
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.
     
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Posted by trmn8r on 2011-01-29:
Did you file a claim for this small problem? If you have a deductible, the cost of this repair was probably less than the deductible.
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Another complaint on rate increases
Posted by Captjim on 09/22/2010
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
     
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Posted by Weedwhacked on 2010-09-22:
"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... "

You're wrong. They want you to keep paying your premiums without EVER making a claim. That cuts into their profits and they will get it back somehow. They don't care that you didn't cause the hailstorm, they want their bottom line to not change. Sorry, but its a typical case with an insurance company.
Posted by Jack H on 2011-07-12:
I would like to know how much of our premium dollars go into advertising.
Example,State Farm Sponsors the All Star Homerun
contest.That must come from premium dollars collected.
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Felt like a thief
Posted by Bigyeller on 01/25/2011
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 on going 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
     
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Posted by trmn8r on 2011-01-25:
I hate to even broach the subject (but I will), but there has been a lot of fraud with people having their cars "disappear". It's hard to know from your description if the difficulty you felt was related to them making sure there was nothing amiss in your claim.

The 11th was my b-day, Tuesday, which means the day you called was Saturday. They should have known to tell you the office was closed that day. I've been with SF since 1980, and really like them. Good luck with the next company.
Posted by Ytropious on 2011-01-25:
Did you file a police report for the stolen vehicle? I'd be starting there first! You best believe if anyone steals my beloved vehicle I will hunt them down and kill them.
Posted by Skye on 2011-01-26:
When my vehicle was stolen, all I had to do, was contact my agent, and dealt him through out the entire process. None of this being passed around. Just my agent and my agent alone. Too me, it's worth using an insurance company, who provides you with an agent, and if you don't like that agent, you are free to find one you do care to do business with. I won't mention my insurance company, I'll just say, "Mayhem".

Sorry your truck was stolen. I know EXACTLY how you feel.
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Take your money and RUN
Posted by State farm PIGS on 08/25/2009
CONCORDVILLE, PENNSYLVANIA -- It so nice how your friendly State Farm agent will tell you all of your equipment is covered under your policy if stolen. NOW! when it is stolen State Farm will go to the extrem in making sure that you don't get paid for your claim. They will come up with every excuse + to refuse payout on a claim. Your tractor wasn't inside a building, you have to show someone broke into your building. Because the tractor wasn't in side a building we can not say it was secure from being stolen. This is a 4020 John Deere, you just don't slap it on to a trailer and drive off. This is the second time I have had to spend hours to get a settlement. When my house was broken in to they would not cover the break in either.
     
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Posted by Anonymous on 2009-08-25:
"Hours for a settlement?" What's wrong with that?
Posted by BEJ on 2009-08-25:
I have had State Farm Insurance since I was 16. Started out w/car then purchased fire and earthquake. Have not filed that many claims--just 2 with auto over the years and never had any troble what so ever. Sometimes I think it can be the agent and how he presents the issue. Just a thought.
Posted by old fart on 2009-08-25:
I think they meant hours of aggravation...
Posted by spiderman2 on 2009-08-25:
If they just paid everything out with no questions can you imagine how high the insurance rates would be?
Posted by skelly39 on 2009-08-25:
Read your policy. It tells you what is covered under what circumstances. That's why they give it to you. And if you don't understand the language, have your agent interpret it for you. That's what they get paid to do.
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