State Farm Homeowners Insurance

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Evelyn of Fenton, MO September 25, 2009

I had my roof checked by two roofing companies because our home is 16 years old and I wanted to find out the condition of my roof, we had a store in May the roof leaked, I had state Farm out and they denied a roof problem, in otherwords they would not cover the roof. In June we again had a storm in which hail of golf ball size came down and the roof leaked in more places - in fact my husband had a bucket under one of the leaks, I called State Farm insurance and they said if they came out again the claim would be closed, so I called headquarters to see what could be done, my roof continued to leak - findley I had the roof replaced because I didn't want damage, State Farm gave me a credit of less than my deductible to fix the walls and ceilings in the areas that leaked.

My neighbors across the street in fact three had roofs replaced by their insurance companies, they did not have leaks but some of the roof had blown off, the roofing company that replaced my roof said that I didn't need a roof, he said the people across the street didn't have the high quality roof I had, My question is if I don't need a roof when the roof is leaking in several areas that are unrelated to each other than why is it leaking - State Farm says well you have to maintain your roof, OK i did have the roof checked by Allen Roofing and Richardson Roofing and both roofers said the roof did not need to be replaced. State Farm has ran me around and around about the roof and so far its my problem, I have has state Farm insurance for over 44 years and have had very few claims - I guess tht's why I thought they were a good choice. I would never use them again, we are going to be busy for the next month and then I plan to review insurance companies at that time and make a change.

The thing I did wrong was not getting more roofers to look at the roof, but if I didn't fix the roof I'm sure State Farm would say it was my problem for letting the roof continue leaking and still wouldn't pay for the roof or the inside of the house. So now they will pay for the inside but according to them isn't only against my deductible. I'm still compaigning because it is all in the adjusters hands and to hell with the customer. Like I said across the street State Farm paid for the roof because they could see the shingles and some damage, and they had a different adjuster.

Brad of Omaha, NE September 22, 2009

Insured by State Farm- refuse to pay claim for an armed robbery at my home. Stalling the claim by first refusing, then forgetting then running out of paperwork, then stalling by refusing to admit receipt of paperwork.

Scott of fishers, IN September 18, 2009

Hail and wind damage in our area. I have had three contractors inspect my roof. All have told me that I have damage in one degree or another. The amount of damage warrants from there point of view a new roof. Added to the fact that we were in the epic center of the storm and that every home around my house has a new reroof. Plus I have now heard that there was a class action suit against State Farm for not handling claims in a fair manner only brings one conclusion to us. That is that we are being treated unfairly and the evidence needs to be revised or I will file a law suit against them myself for the damages to my roof and applicable time to have this done.

Adrian of Suwanee, GA September 12, 2009

We have been covered by State Farm since 1992 on all of our insurance needs cars homes et all. After our roof was damaged by hail they sent out an estimator who did not even look in the attic. There are water leaks on the living room ceiling, and water damage to the lower level. He appeared real biased from the get go and said that he can see the whole in the tiles but not deep enough to cause leaks?

I will be getting an independent contractor estimate and take pictures of all the damage in and out. The lawyer said that we need all the evidence to sue not only for the roof but also to the internal damages to the ceiling, structure and all.

They have paid for the house across the street claim, and it just looks like they want to use any available reason to deny or reduce the payment. It will cost them a whole of a lot more after they are ordered by the court to pay for all damages and legal fees and punitive awards.

State Farm in particular appears to hire unqualified or dishonest adjusters accusing honest homeowners of making false claim when the physical evidence is supporting the case. After all the years that we paid for insurance it is very troubling that those who are supposed to be there for us when needed, are not.

Betty of Cumming, GA September 4, 2009

My husband and I have had State Farm Insurance since we bought out home in Georgia in October 1997.( New Home) We are Senior Citizens 71 years of age. Always paid our preminiums for 12 years and had no claims. Last year a Hail Storm damaged aLL OF THE 100 some homes when it went on a destruction path through our Subdivision.

Had to fight and complain, my roof was leaking, went through 3 adjusters before I got the roof approved. Said it was 1/4 damage. Who ever heard of putting on 1/4 of a roof. Gutters damages, awnings, window glass cracked etc. Finally we get our roof in July 09. Fought with the State Farm since Feb. 09 about the damage.

Now yesterday we get a letter from State Farm they are cancelling our Homeowners October 31, 2009 because we had this 1 claim of 8,000 some dollars for the roof. What a rip off....they want your money but they don't want to PAY CLAIMS. Look at the premimiums I have paid for 12 years it well exceeds the price it cost they for the roof. I paid my 1,000 deductible.

Marianne of Independence, KS August 24, 2009

I Cannot Stress enough HOW Bad this insurance company is!!! We are Paying Citizens Who Have NEVER abused the system.. Honest law abiding citizens! We have all Of Our Insurance Thru State Farm! I can't tell you how sick I am right now Having been in some ways Called a Liar! I am honest to a fault & recently An Oak Tree fell on My property Hitting 2 cars (Mind you only one is insured) But Its bull I lose on both the cars!

Anyway it hurt the house & equipment & I'm a wreck. I just missed getting hit! My Husband called within minutes of the Tree falling! Mind you it was a beautiful day outside & I was blowing leaves etc..The Insurance Man Kirk Found it hard to believe That A tree could fall on a nice Day!!! Well it happened & I don't like being called a liar/ I am so, so, sick and tired of paying My whole life & getting Nothing out of being insured!!!!

Heather of Petersburg, IL August 20, 2009

May 22, 2007 we had a TOTAL LOSS house fire! The adjuster that came out, S. Block, was not exactly a "good neighbor". First thing out of his mouth was "his main concern was saving State Farm money." So after 5 MONTHS of investigating, they decided it was electrical with an unknown source. After THAT they tried to pay us MUCH LESS than the lowest appraisal value of our home. We bought a different house in Dec 2007.

In Nov. 2008 we had storm damage. It ripped an awning type roof off of our back deck, flipping it upsidedown on our main roof, slamming into our 3 skylights. I had a roofing company come out to do an estimate. They gave one for the awning and told us AND State Farm that it could take awhile to determine if the skylights would leak. Basically we had to wait for there to be enough rain for it to make its way to the ceiling to determine the damage if there was any.

Now Aug 2009 I noticed a small drip coming down from one of the skylights in my living room. I only noticed this because I happened to be DIRECTLY under it when it dripped. I called State Farm to tell them and when S. Block called me back he of course gave me attitude about it saying they "are not going to cover rot, mold, mildew or fungus and that it is a NEW claim!"

I feel that they take advantage EVERY chance they get if the claim is over a certain amount! They KNEW that the skylights were MOST LIKELY damaged and it would take time to know. Due to the fact that we had less than normal snow/ice/rain it took longer than expected to find. We HAVE had rain but mostly light rain. When I noticed the drip it was rainig VERY HARD.

When I put my hand on the ceiling I could feel that it was mushy and most likely had been absorbing the water for some time. Also when you look closely you can see a hairline crack (in the ceiling) from the sky light going down to the point of the drip. I just dont't know what I need to do to get State Farm to do the right thing and take care of my claim!

jerome of imperial, TX August 18, 2009

I purchased 1 yr of insurance for my mobelhome back in March on the 17th 2009. Following that date we had bad weather and water damages, however I called in the insurance for a claim in April, 2009 and was informed that I no longer had insurance. I till this day 8-18-09 I have not been refounded, I was suppose to resive a letter on the reasons why I was not insured..However I was abel to contact an agent at the local office she tried explaining why I was not coverd.first she explained the policy was never insured, then alonge the conversation she mintioned that the contract was never complete ..BUT YET I WAS NOT CANCELD TILL 5-17-09 AT 12:01am so in order for the policey to be canceled there had to be sum kind of policy to cancel ,... "u cant cancel sumthin that was never there"..

Julia of San Marino, CA August 13, 2009

I purchased a refrigerator from Sears. The refrigerator was delived by Exel Direct Delivery people (contracted by Sears) to my home on June 19, 200 . One of the delivery/installation men dropped the refrigerator door on my laminate flooring in the kitchen. The men also put a piece of cardboard that was part of the packaging of the refrigerator on the floor (to protect it). However, there were large staples still embedded in the cardboard box material and the laminate flooring was further scratched.

The scratched area of the flooring is extensive. Laminate flooring cannot be replaced as it cannot be matched. Laminate flooring comes in dye lots and the floor is 5 yrs. old. Therefore, the entire floor has to be replaced.

An estimate was obtained by Exel and I obtained an estimate on July 22, 2009 and the estimate was forwarded to Exel's insurance carrier, State Farm Insurance. I have tried to contact Paula Miller at State Farm numerous times without success.

I have called four times and left my name and number. I have yet to receive a claim number or any response from State Farm. I am being completely ignored and I want my claim to be processed and my floor replaced. I have called Exel Direct several times, being told that it's not their problem any longer. I want this resolved! They have a legal responsibility.

Brooxie of Ringgold, GA August 12, 2009

Our house burned in Nov. and we filed a claim with our agent after which everyone treated us ok except 1 adjuster who insisted we take a check for 40,000 below the least appraisal given. Even though we told him not to bother sending it he did anyway, to the address where the house burned. The post office left a slip in the mailbox and someone signed for the check but couldn't cash it. Months later we learned about the check and it was left up to us to file a report with the police which have done nothing toward finding the person who did this. State Farm did nothing either and left the whole mess up to us while the agent only shook her head doing nothing either.

Every month we were ask how much longer we needed temporary accomi. knowing we could not and had not received money to even clean the mess up much less rebuild. the house was a total lose. We hired an attorney and after months of not returning his call they informed us they will no longer pay for temp. housing. our attorney has filed a suit against the agent and against State Farm, he said he will not be ignored and will not allow us to be pushed into accepting only a percentage of what we deserve.

I have continued to pay the full mount of ins. due to continue to keep my homeowners. He ask me why I had nothing to insure. I realize he is right but still believing there is good in this world did what I thought I should. Not anymore I want the full amount of what is due me and intend to give it to the court before I allow them to beat me out of one cent.

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