RED BLUFF, CALIFORNIA -- I was working at my desk at 1:30am and heard a loud popping sound above my head. I ran out the front door and watched with my own two eyes a PG&E cable ignite a 1/4 cord of wood on our driveway. The investigation was totally crooked and State Farm agent blamed me for burning down my own house for Christ's Sake. Then they tried to extort me for $250,000 to pay for the house that was burned down by a PG&E cable. I filed a claim for only $5000 for loss of business and PG&E declined to pay and again blamed me for the fire. A terrible injustice was done to me and I have an appointment with the fire marshal here in Red Bluff CA to re-open the investigation and set the record straight and get my money from PG&E. The State Farm "investigator" was the crookedest creep I've ever met in my life and he bold faced lied about how the fire started. State Farm - I want $5000.00 for loss of business immediately.
Original story of PG&E disaster below.
MALIBU, CALIFORNIA -- LISTEN UP EVERYONE WHO'S TRIED TO FILE A CLAIM WITH STATE FARM AND THEY REFUSED TO COOPERATE!!!
It is very simple if they don't do exactly what you want when you file a claim, forget about hiring a lawyer. You can simply hire a public adjuster who will work for free on a contingency basis. And get you exactly what you want.
AND...wait for it...
Simply file a complaint form at the California department of insurance.
CDI will quickly put State Farm in their place and make them pay for everything on the claim and it's free, the governments dept of ins has FAR more power than anybody else to enforce state farms pathetic cheapness to pay out.
State Farm does not want to have bad records with the government that's why they will pony up.
I work for State Farm, claim representative for homeowners claims. I am not a fan of the company, only because it does not fit me and the "workflows" / customer service policies. Sorry, State Farm policyholders, not what you think... all they (State Farm) think about is trying to improve customer service (yet I think many processes are not helping.) Well, I do think they under pay employees, have a horrible rating system for employees, and micro-manage (and getting worse) their employees.
But as to what this web-site is for... hating State Farm for not paying money for claims. The policyholders need to read their policy and understand what it covers and does not cover, if you don't know (b/c it does look like reading a law review) ask your Agent, yet I feel most Agents don't know squat.
For everyone (I know and will discuss homeowners policies) your policy does not cover flood. It does not cover water that enters your home seeping through a wall or floor, running under doors (flooding, you want water running or seeping through walls, floors, doors, windows covered... you need flood insurance!!!! Even if you don't live in a flood plain and your mortgagee doesn't require it). The policy does not cover FLOOD, or water that backs up from a sewer or drain (read the policy).
The policy is not maintenance plan. If water leaks (pretty much anywhere, especially the roof) continuously or repeatedly it is obviously a maintenance issue, or negligence (b/c you didn't bother to fix it). Thus brings to me to... rot and mold. For things to rot or mold it has to have water affecting it for a long (loonngg) time. The policy covers damage that happens... boom, one time, right now. Thus... Accidental Direct Physical Loss (ADPL)... to me, this means (boom) happened right now. Hail hit your home, wind hit your home, tree fell on your home, wind may has blown rain into your home... ADPL.
Yes your roof decking (1x's or plywood or OSB) maybe rotted, but sorry it was apparently leaking for a long time, does it have to be fixed or replaced... yes, but insurance can't pay for it. Rot and mold does not happen after a couple of days or weeks (especially rot), thus why they are not covered (ADPL), you got to stay on top of what is happening at your home. Sorry for the rant. State Farm pays for what is damaged. Sorry but if only parts of your home is damaged, they are only going to pay for damage. If there is only damage to one slope of your roof, or 1 or 2 elevations of your home, they only owe you for that. Sorry it doesn't match, but... policy pays for (say it with me) ADPL.
When the wind blows or hail falls it typically (typically) comes from one direction, thus you will only have damage (typically) from on 1 side of your home. (By the way people can not see (AND AREN'T LOOKING AT) multiple sides of your roof or elevations at one time, so matching is a poor excuse.
HAIL - everybody loves it for insurance. Hail will effect every roof differently. (Although your neighbor got a new roof, you may not.) Older the roof more likely to get damage, (but color of roof, tree coverage, steepness, quality of shingle and direction of house will affect how quickly the roof ages), the steepness of roof, direction hail blew in it at, tree coverage, and quality of roof (funny how that hail damage is related to the factors that determine how quickly it ages) will determine if you have hail damage.
By the way Independent Adjusters get paid based on how much they pay you, so if they don't pay something they are taking money out of their own pockets, so what since does it make for them to pay for 1/2 a roof, unless there is not damage. (I spite those guys, they make WAY more money than us.) I really do hate my job. It is just not a fit for me. I am a home builder by schooling (Bachelor degree) with 9+ years of practice, and now stuck under fluorescent lights and a micro-managed schedule (to benefit the customer). But you got to know...
Something to keep in mind, there are 4 types of contractors (for insurance purposes): Contractor charges same (honest price) no matter what; Contractor who knows Insurance pays a lot more than normal and will accept the Insurance price (correct and fair price for damaged items); Contractor who doesn't know Insurance process, but knows Insurance pays a lot, so will nearly double price because they think Insurance will pay it; The dirt bag Contractor, who always rips off customers and will try to rip off customer and Insurance company. (Keep in mind Insurance Adjusters make mistakes (a lot of mistakes) so they miss items, miscalculate, invert #'s or just don't know.
If you were to have a contractor to your house and say how much for a new roof, (as example) contractor #1 will say $9,000 (or you don't need it) & #2 & #3 will say $10,000, and #4 will say $14,000+. Tell same contractors you got to Insurance claim: #1 will say $9,000 (or you don't need it), #2 will say how much will Insurance Co. pay?, #3 will say $12,000, and #4 will say $16,000+. By the way to replace the roof is probably $9,250. (#1 is just too honest).
Well, nobody will probably read this so I guess I will quit typing now, but before I am done, I hate my job (I am trained, not used to being micro-managed, under paid (used to make double salary with old career), and don't agree with how much money State Farm pays out for claims (too much)). We, State Farm, tries its very best to pay claims, and always bends the rules (policy) in the favor of the customer, any grey area of policy means pay the claim. But if policy says,"not covered" can't pay. PERIOD. So if you can't afford to pay for "some" damage to your home (without insurance) or pay your deductible (including Hurricane or Wind/Hail deductibles) don't own a house.
You fools are probably the people who put this real estate / home value / foreclosure / "bad market" into a downward spiral, thanks... I am now doing a job I hate, and you fools are filing claims for 3 shingles missing from your roof (buy a hammer, buy a friend, or have $250 in your checking account) in hopes to have something positive happen your lives... an insurance check (and now that you are laid off b/c of the bad market, you attributed to, you just want the money.) ** - if I ever handled your claim, or if you work with me, you know me (because I am blatantly honest all the time to everybody), and know this is all the truth.
VILLA RIDGE, MISSOURI -- We are a small contracting firm in the St. Louis area specializing in insurance restoration claims. Our deal like most of the other insurance contractors is that we complete the work for the amount established by the insurance carriers. We have found that this has the minimal financial effect on our customers with the only out of pocket costs being the deductible and any upgrades. A large hail storm producing golf ball size hail and strong winds blew through Villa Ridge, MO on 5/13/10. Approximately 1 1/2 weeks later a storm came through producing 60+ MPH winds. One subdivision, Golden Pond has had approx 80-90% of the roofs replaced due to the hail.
We had several houses in this area that we recommended replacing the roofs. The State Farm adjuster met us at these sites and we both inspected the roof. He recommended replacing one roof, did not include any of the roof accessories, IE; vents, drip edge or pipe flashing and only one run of aluminum gutters across the back of the house. No consideration at all for the front gutters or any of the screens that were damaged. His comment to us was you know how the game is played. She is a disabled senior citizen that can barely walk. The adjuster was told, by our customer, to contact us about the claim and we would make the arrangements for any meetings that were needed.
He was left several phone messages and never called us back. He went to her home, without us present and settled the loss. I got a call and she was crying saying that she almost fell getting to the door, it takes her over 5 minutes to get to the door. He kept ringing the door bell until she answered. And he missed the interior damages as well. The other house in Golden Pond he recommended 1/2 a roof, 3 aluminum window wraps and no gutters. A few inappropriate and derogatory remarks about our customer were made by him, such as, "She is kind of goofy isn't she?." She was involved in an auto accident recently and had a brain trauma.
He recommended to the homeowner to withdraw the claim so she would not be charged with a claim and to file one later and maybe the front would be covered. Then came back 1 hour later and gave her a $1,500 estimate with a $1000 deductible and closed the file. This yard connects to the 1st house we wrote about. The neighbor on the north side, south side, west side and east side of her each had hail damages and got full roofs.
We had the same adjuster on 4 other properties in the area and an independent adjuster from State Farm on the 5th property. We googled a map of the area and these houses are all in a straight line with the yards connected 2 of them, and the street dividing the rest. He recommended paying for one roof, only half the gutters, a garage door, and had a repair recommendation of $76 for a metal door that was damaged. He denied the damages to the metal pole barn roof. The back yard connects to the independents roof, he did a 100% replacement with no problems.
Directly across the street our customer is another retired senior citizen who was denied. He was told there was no damage at all. We replaced the next door neighbors roof and our competition replaced the roof across the street from them.
Across the street our customer is with a different company and got a whole roof, gutters, siding and a roof on the pole barn. This yard connects to the property of a retired widow. He recommended replacing 1/2 of her dwelling roof, the back gutters, one metal roof and half of another metal roof. His comment to me was "I guess we will see how good your salesmanship is and you can sell her the other half of the roof. He then stated that he did not want to set a precedence on replacing the metal roofs because he does not think the structural integrity was effected by the hail.
We met him on site two weeks ago and she still has not received the estimate or check, but has been told at least 4 times that the check was in the mail, an out and out bold faced lie. When she asked for another adjuster she was told that State Farm will not send anyone else out, they have confidence in the adjusters assessment of the damages and his repair recommendations.
Another retired widow house was done half way as well, shingles only on the roof, no gutters, no roof turbines, and no screens. We met him for a re-inspection, he will not pay for one of the roofs on the property. His inspection was 2 1/2 weeks ago, still no check. In the mean time our customer has been hospitalized with heart problems and called me literally crying her eyes out and wanted to know what was going on. She told me her blood pressure was up again over this and she can not deal with it any longer, and that we should go ahead and complete the repairs and she will pay for it all. This is golf ball sized hail that caused the damages.
My last complaint is a customer that we replaced the roof next door to him from the wind. You can lift huge sections of shingles on both the slopes on the garage and house. State Farm recommended replacing 3 square of shingles, and some guttering, with no consideration of removing the tree off of the garage. He now has interior water damages.
MCMINNVILLE, OREGON -- This posting is in regards to an accident my daughter was involved in on April 16, 2010. She had stopped behind a car waiting to turn, and her vehicle was rear ended (and totaled) by another car who's driver wasn't paying attention. Our agent was very helpful in getting a claim started for medical coverage.
The issue is that the other driver was also insured by State Farm. I found out very quickly that this apparently changes the rules. The rental car coverage that I have been paying for all this time doesn't come into effect unless the claim is made on my policy; which of course it wasn't since the other driver was at fault. Therefore there is no rental car available to used to find a replacement vehicle, unless you pay for it out of your pocket, once the other claim makes an offer for your totaled vehicle over the phone. Not once you receive any money, which takes another few days in the mail; or you can pay for the rental yourself and drive the hour or so to go get it, and while you're test driving vehicles.
I owned the vehicle my daughter was driving for 9 1/2 years, took very good care of it and the engine had a lot of miles on it, but would have easily gone another 100,000+ miles. Please tell me where you can actually purchase an equally reliable running vehicle for $1400?
My daughter is a full time student & her school is paid per term, but she has to pay additional for any missed days to make them up in order to graduate. That's $80/day that's not covered by the insurance, unless she misses 14 days. She had a neck injury that kept her out of school for a few days, but not long enough to get reimbursed for it. She has to pay extra for those days to graduate.
In addition to all of this, even though we're State Farm customers the State Farm people from the 'other claim' were absolutely horrible to my daughter on the phone. The accident was on a Friday, and the following Tuesday she received 8 calls from them wanting information or telling her what she had to do. She was so stressed out by all of this that I talked with them and made sure they understood they weren't to call her about anything else.
There were several different people that called, and the information was very contradicting. Like one person telling us to take the car in for an estimate on the damages, then someone else telling us not to take it to a shop and that it didn't matter if we took it in for an estimate on the damages that their estimator had to look at it, then a different person told us that we were supposed to leave it at the shop where the estimate was done...huh? I had already moved it by then.
Then once the estimator looked at it and told me that it was totaled, the people in the claims office told me it wasn't totaled, then another person told me it was, and then yet another person told me that it wasn't really decided that it was totaled. It took 3 days to get a straight answer. My dilemma at this point was... do I start looking for a replacement vehicle or am I fixing this one?
Once they decided the car really was totaled, the claim was transferred to the total loss department. It took a few days for them to make an offer, which I refused because I had already gotten estimated values from a couple of web sites my agent had suggested, as well as multiple private party ads for the same year/condition vehicle that were much higher. They took a full week to make another offer, just a bit higher than the first one. By that time I was so disgusted with the whole experience that I decided it wasn't worth it and accepted the (lousy) offer, and moved on to researching new insurance companies.
I have been with State Farm for over 20 years. I have had auto, renters and home owners insurance through them. I kind of expected them to go to bat for me in dealing with the other claim. I actually expected them to protect me and my daughter during this experience. Oh yeah, they were sympathetic & all. My agent did get them to extend the rental car coverage for another 3 days. I still had to pay for a rental car out of my pocket, and then had to borrow a vehicle for the rest of the time till the vehicle could be replaced.
What a nightmare. I am very disappointed. All of the State Farm commercials say "State Farm is there...". They imply that they (State Farm) will help you. Not in this case. I am definitely moving to another insurance company. I really don't want anything else to do with State Farm. What's going to happen if there's another accident? I feel like I'm just throwing my money away, like they won't be there for me when I need them.
LYNCHBURG, VIRGINIA -- I consider myself a responsible person -- adult, who has never been responsible for any motor vehicle accident. I have no outstanding parking tickets. I take pride in my excellent driving record. I take pride in my character. I will assume responsibility for what I must, but I am not so inclined to take responsibility, particularly financial responsibility, for something of which I am not guilty. For 3 years. For an automobile accident I did not cause on November 4, 2009. I will not be accused of something for which I am not guilty.
State Farm grossly erred in their conclusion of this accident. I made a video recreating the accident. This is not a heavily trafficked area. There is no obstruction of view. How many times must I say I was already in the street, preparing to shift gears from reverse to 1st? I was STOPPED!!! The commissioner told me I was at fault because I had pulled out of my driveway. How many times must I say my car had to come to a full stop, there was a little movement. It's the law of motion. BUT MY CAR WAS STOPPED WHEN SHE HIT ME!!!
In my video, my driver indicated she was going 15 miles per hour. The uninsured teen driver talking on her cell phone told the police she was going 19. Look at the video. Going 19 miles per hour would have alerted this young lady there was on-coming traffic. Me. My car. Already out in the street. Coming to a full stop preparing to shift from reverse to 1st gear. I was already in the street, preparing to shift gears from reverse to 1st, that my car had to come to a full stop. YOU CAN'T CHANGE GEARS FROM REVERSE TO 1ST WHILE THE VEHICLE IS MOVING! How many times do I have to say that?
How many times must I say the uninsured teen was on her phone at the time of the accident? That I went in my house and called the police and my insurer, State Farm, on my phone? We both gave the officer our license, registration and proof of insurance. After impact, it took 5 seconds for me to get out of my car to go to her. My first concern was her. Was she hurt? She was not looking at me. She was not looking for her phone or dialing a number. She was already on the phone. Crying. She knew. How many times? She was reckless in her operation of a motor vehicle. Is it so unreasonable to think a cell phone distracted a teenage driver?
I agreed she swerved. She had to. It was just too late. Her car made contact with mine. Her front passenger panel was dented. The driver-side bumper on my car was ripped off. Had I been moving with any speed or in any other position, a side panel on my car would have been impacted. I don't have a cell phone, but I have a multi-policy coverage with State Farm, but not for long. State Farm never returned my phone calls. We pay you. I would appreciate a reversal of your imposition of increased fees and premium, and a reversal of my damaged driving record effective immediately. But it will never happen because State Farm paid to have her car repaired.
I would appreciate a restoration of my excellent driving record, I would appreciate the removal of and reimbursement of funds resulting from the premium increase and any and all associated fees and funds due and owing me, and the removal of the 3-year penalty. I would appreciate the removal of this from my file, which would never happen because it would be an admission of guilt on their part. State Farm apparently supports cell phone use while driving, particularly from high school teenagers who lack enough responsibility to have insurance, but a cell phone. That is, until the laws change, then they'll be more aggressive with no-phone zones for drivers.
The insurance commissioner said they sometimes rule against agents, but couldn't give me a number. He said, "It happens sometimes." "Well, how often?" "Oh, I don't have that figure in front of me." "I bet it's less than one percent." He was silent and told me he wasn't going to argue with me.
On April 15, 2010, Good Morning America reported two days after speaking with the insurance commissioner. ** April 30, 2010 is National No Phone Zone. STATE FARM SUPPORTS RECKLESS BEHAVIOR BY UNINSURED TEEN DRIVERS TALKING ON THEIR CELL PHONES, NOT THEIR CLIENTS! I did not cause this accident. How many times must I say this?
CHATTANOOGA, TENNESSEE -- I was involved in a 3 car accident. I was sitting at a red light waiting to turn left onto a 5 lane road (counting turn lane). As I waited a red Honda Passport was at my right waiting to turn into the complex I was coming out of. A 1979 Ford truck was coming from my left. They both had green lights, the Honda decided he could make it and DID NOT! His tires had no tread and the truck hit him and that slammed him into me. We had just left State Farm Insurance after over 30 years because of 2 claims that were not our fault but were handled poorly (I'll explain after this).
They got our car to the body shop. The trucks occupants went by ambulance to hospital. The passport was OK. My back started hurting but I did not go, I went to drive a couple of days later. They start puling my car apart and after fighting about the glass that flew at me and damaged my windshield then glass flew all over my cars drivers side and scrubbed the top of the car. There were 2 places on the roof that were damaged and they said they would fix. We found more scrapes on the drivers side of my car from the glass.
They told me at first they would paint the top then after having someone come look at the car again changed their minds because they said my car had been painted before and the spots were not damage from wreck but paint plume. Something of that nature they say was a bad paint job and starts at the bottom were the metal is and just pops up.
I told the girl I'm dealing with there were no problems before especially on the sides where you could see glass had hit and slid down the sides. They "changed" their minds and were now not going to fix it. I told her that in no way am I accepting the car and she told me to get out of their rental. I said fine. We left them before this because of a flood. We bought a car and had it 1 month to the day and it was totaled in a flood.
There were many cars in our complex totaled and they instead of towing them to the auto makers were going to a field and would have "experts" from each make come look at the cars and decide what's wrong. They called and said our car needed new carpet and that's it. I asked them if they knew it went to the field on a tow truck, they said yes, I said don't you think a car that just needed carpet wouldn't have to be towed in? After that they sent it to Mercedes which said if we wanted to strip it completely and start over they would build me a new one. They then tried to price it by comparing cars with 90 to 160000 more miles on it than ours. They are a crappy company. I'm glad we left and wish we had done it sooner!
NORMAN, OKLAHOMA -- My son was in a car accident with another State Farm customer. The other customer was an adult and did not call the police to get a police report this was my sons first accident. Now he knows to call the police. The other driver stated he is not going to put a claim in.
My son came home and told us what happen. My husband went to the scene and took pictures and took pictures of my son's car. The other driver was looking for an address. He pulled into a driveway and was backing out my son waited for him. The man was going very slow so my son passed him when it was legal to pass. The man did not have a turn signal on but turned into my son's car because he found the house. He hit my son back tire and my son car went in the ditch.
My husband called State Farm and told them the guy's name and policy number and that there was accident. They told him a claims adjustor would call. The calls adjustor called the next day in the afternoon and stated it is my son's fault because the guy is a preacher and he doesn't lie and if it went to court it would be against my son. Nobody has talk to my son seen his car or the accident scene. My husband said, “How can you state that when you haven't got all the facts.” She said my son hit the guy. Which if she bother to do her job that wasn't what happen.
My husband call our agent. He call the claims adjustor and she was rude to him ask for her supervisor to call back never happen. I called the supervisor and his assistance called me back and said that a claim adjustor for my son will call him. The claim adjustor that we got was just as clueless not as rude but just as bad. He never came out to look at the car, states he did see pictures where the accident happen. I don't know how because we never showed any to him nor did he ask to see them when we told him we had them.
I guess they never seen them or they ask the other guy whom they seem to be in favor because he really didn't have any damage. Most of the damage came from the ditch. They didn't blame all on my son but gave him 75% of the blame. So they would have to fix his car. He only had liability insurance. I have been with State Farm for 10 years with a good record. The supervisor that I called didn't care. Stated he would review the claim. I called him in the morning. I receive a letter that he review the claim and the adjustor was right. The letter came the next day at 11:00 am he didn't review any thing and none of my questions were answered.
No lawyer will take the case because no money in it. I cannot believe State Farm can get away with this. They wanted my home owner's insurance. No way. I seen how they pay with a car that was less than 500.00 to fix. I will be getting a new auto insurance. I will tell everyone I know to stay away from state farm.
SOUTH JORDAN, UTAH -- We have been with State Farm for 20 yrs. We unfortunately had a bad year in 2016 where we had two accidents, one of which we received a ticket, and a speeding ticket. No accidents or tickets since. After two years without a blemish, they have chosen not to renew our insurance because of 2016. This is a truly ridiculous display of customer service for 20 years of loyalty. I'm seriously stunned.
KANSAS CITY, MISSOURI -- Last summer I got t-boned by a teenager driving her mom's car and who was visiting Kansas City. Luckily no one was hurt and luckily (or so I though at the time)... she had insurance. When I mentioned my accident to my fellow Officers at Leavenworth and told them I was glad she had insurance a few laughed because I mentioned State Farm... the phrase "don't hold your breath was used a few times".
At the time I will admit that I was pleased with the way they handled everything... not as expeditiously as USAA (my insurance) but oh well. Repairs were made, back driver's side door was replaced... and I thought nothing of their warnings until a few weeks ago. The interior locking mechanism for the door, a new part and one that had never failed in any of my doors before went bad. I use this car for work and drive to and from the base by myself... rarely do I carry passengers.
So, I called the repair shop that called State Farm so they would approve the replacement part purchase and installation. The repair shop called them and left messages 4 times until State Farm finally got back with me and told me that the part was no longer under warranty; it was normal wear and tear. I argued that the other locks (not damaged in the accident) did not go bad (original and working for 7 years) and that their part went out in 15 months and that they promise a lifetime warranty on the repairs. No luck.
So folks... if you get your car repaired under the "insurance protection" of this "honest" company... well just hope and pray something will go bad quickly... I would hate that something like your brake system, your steering, etc which you use normally, might go bad. It will take some work but I should be able to fix the part myself, but you don't want be going down the road and have the "normal wear and tear" bug hit you.