State Farm Homeowners Insurance

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Wverizon.netilliam of Philadelphia, PA August 11, 2009

I have been continen with State Farm home owners since my parents are deseas and counting from my parents had the insurance for thirty years (1987)witch adds up to be about Fifty Years I was laid off from my job in (2007) and I was let go from my job because of budgets cuts I was keeping up with my home owners Insurance and It was a mounth and I was behind two mounts behind and I called to let them know that I would be sending seventy five dollors and I was told from the insurance company it would be okey and I also told them that I would be able to get caught up in the next month so I mailed the check and before I knew I recived it mailed back to me so I called and asked what the problem was and I was told from the Insurance company the told me that I would have to get my roof hot top and if I don,nt I would canceled from the State Farm home owners Insurance I belive I was getting a raw deal.also I have been under doctors care since then.

Landers of St. Louis, MO August 10, 2009

Will not renew insurance claim because of turning in claims due to weather.

louise of trenton, TN July 31, 2009

i went to file a cliam about my bathroom which i don't know how it will get fixed and i told the lady at state farm that i need to be fixed but she just sat there shaking her head but the want help matters if someone gets hurt i want be blamed then i talked about my sliding door window that is broken she said that i didn't have enough money to fix that either i have a boared up there some can break in on me the cost for my bathroom is 5000 and the window is 475.00

DEBBIE of Buffalo, KY July 21, 2009

I have an ongoing home-owners claim with State Farm Insurance Company resulting from the winter storm that struck Kentucky on January 28, 2009. I have been given the "Run Around" by State Farm for far too long! I have suffered major personal loss of items and property and now they are now refusing to pay for anything! My claim was assigned to "Special Investigator" Carolee S from Louisville, Kentucky. After the storm hit leaving us without power for 2 weeks, it took State Farm almost 2 months to get a claims adjuster to my home to begin the claim!

Finally someone arrived from TEXAS to fill out a report! Apparently State Farm expected for us to leave everything in the condition that the storm left it so that they could take photo's ... NOT!!! We cleaned up as much as possible and tried to get back some quality of life as we once knew it by temporarily fixing the roof and buildings. Well now they refuse to pay on the claim stating that they don't have proper evidence that the damage was not pre-existing!

I am so fed up! I did everything that was required by State Farm as I went along! Including documenting my losses. They are the most unprofessional company that I have ever been unfortunate enough to deal with! I was transfered from Tennessee, to Illinois to Texas to Florida with no one having any idea what to do next! I refuse to take this laying down. And now ironically there seems to be no one that you can actually complain to except the agent that is assigned to your case! Isn't that handy? Resulting from my roof not being repaired I am continuing to suffer further loss with each passing day!

I have now had to replace my washer and dryer both from water damage! When I spoke with the agent on the phone earlier she told me that they were not going to pay anything further on the claim! This is insane! Now the electric has gone out in the entire back of my house from the water damage! I told her that I was going to contact an attorney! Surely there is someone out there that will not stand for this! When the monthly insurance premiums are due State Farm expects their money! But when there is a problem and a claim needs to be filed they continue to give their clients the "Run Around"?

Cynthia of Houston, TX July 15, 2009

Our family was on vacation, and between the hours of 6:00 p.m., July 12th and 4:00 p.m. July 13th our two 4-wheelers were stolen. State Farm is refusing to cover any portion of the amount owed. We have coverage on our dwelling, dwelling extention, and personal property totalling 189,255 worth of coverage. I knew the 4 wheelers would not be covered off our property but due to our homeowners was assured it would be covered on the property. I have filed a complaint with the Texas Board of Insurance, the Better Business Bureau and the corporate office of State Farm. One of the 4 wheelers is a 2006 model with 4200 still owed on it and the 2008 Yamaha was purchased as a gift for my son when he finished college still owing 9300. Because perpetrators came onto my property and stole our two 4-wheelers, we are now required to pay 14,100 on two items we no longer own and our homeowners policy will cover.

We were not notified of the change in our policy. They just put the information in small letters in the exclusion portion and don't feel the need to make you aware of the change. I contacted several other insurance agencies and 4-wheelers are covered under their homeowner policies. Why is State Farm being allowed to exclude items without proper notification to their consumers. We have been a customer of State Farm for over 25 years, and Like a Good Neighbor, State Farm is there has taken own a whole new prospective. Several families we know are now considering changing insurance companies over this situation with our family. We have had only two small claims over 25 years and when we need them the most, they are not there.

Again, this is bureaucracy at its finest. Anything, anyone can get by with they will. It seems like insurance companies are just their when it's time to pay the bill, but when you need to make a claim they will make every attempt to find a loop hole in order to not pay their claims.

Theresa of Lawrenceville, GA July 10, 2009

My roof is damaged and leaking due to the hail storm and all the homes in the neighborhood are getting new roofs except those who have State Farm. I have leaks and they say my roof is just old. I have water damage due to the storm last week because they denied the claim.

The roof is 10,000 and the interior damage is 6,000. There is drywall and water damage all the way to the first floor through a light fixture.

I now have the roof tarped but they will not pay for the damages and a new roof.

John of White House, TN July 5, 2009

I have had my home owners, auto, and life insurance with State Farm, for over 15 years. I recieved a home owners cancellation notice from them dated July,5 2009. It stated I would not be renewed due to a claim in April 2006, for wind damage, and a 0 claim in May 2009, for a tree that fell on my neighbors fence. No call from my agent, just a non renewal letter. So much for 15 years of paying premiums!!!

Deborah of Houston, TX July 5, 2009

Ike caused damage to my parents home in Houston in September. A tree fell on the garage and part of the kitchen. It hit the hot water heater and gas line so there was no water for the house. Lightning also struck a tree next to the air conditioner and caused it to go out. Because of these two things, they had to live outside the home for 9 months. Yes, nine months. THREE adjusters argued with several contractors who ended up refusing to work with them and moved on to other jobs.

As the house set, more damage was done by water and the total cost for construction ended up costing a little over 34,000. This did not include cost of removing the dead tree that lightning had struck because my parents could not proved that it had been struck during hte storm. My parents wrote a check to the construction company for the entire amount. They were told that they would get money for the appliances, cost fo living and electricity they had to buy as a result of damage. When my dad asked about this, they were told the claim was closed and he would not get any more money. The appliances ahd not been put in ANY of the three adjusters' reports!

The only reason the hot water heater was fixed was because the contractors had put it in their bid. We are still arguing with the insurance company about rent, electricity, freezer, washer and dryer payments. My parents have been with State Farm for the entire 33 years they have had their home and this was their FIRST claim EVER! Because they were out of their house, it was broken into.

My parents had to make a new claim and pay another 1000.00 deductible! So for a new front door, new back window, a computer and jewelry that was sotlen my dad got 750.00!

Dr. T of Bloomington, IN June 12, 2009

The extreme storm in June of 2008 caused a tree limb to tear away the flashing around my chimney. The torrential rain came in through the hole and flooded extensive reagions of the interior of my home. An adjuster came out within a few days and assessed the damage at 1,400. I complained as the mold which grew in profusion was causing my wife and I severe health problems and they later sent another to inspect the damage almost 6 months after the event. They wrote and assessment for 4,500 this time and stated that they did not cover mold. Since I have a 5,000 deductible they refused to pay anything. The water damage ruined my roof, walls, floors(custom made poplar), electrical box, gutters, eaves, furnace, vents and on and on.

They essentially waited until mold grew on the damaged structures to deny coverage, even though the water caused the damage not mold. I hired an independent adjuster and they assessed the damage at well over 100,000. Even though I paid for an independent appriaser, State farm refused to hire one in 30 days to continue the case stating we had not provided any proof of contention of their assessment, even though I submitted an estimate for partial repairs for over 23,000 before I ever hired and independent appraiser. The United Way helped us and the repairs were performed. Now State farm insists there is no proof of damage (I have the estimates submitted to the United way from the people who did the repairs).

State farm is strait out corrupt and is used delays and inappropriate tactics and policy interpretations to defraud us of our right to compensation. I have had coverage for all my insurance needs through State Farm for almost 25 years and have never filed a large claim for anything.

Jenny of Marietta, GA June 5, 2009

I have had State Farm Insurance for all my needs for the past 9 years. I have a modest ranch style home on a slab. This past Oct/Nov I noticed that my vanity in our hall bathroom was being damaged by moisture. We could find no leak under the bathroom sink, so we hired someone to come check our shower/tub. They replaced washers and said the problem was fixed. We then took out part of our vanity to replace it. It was then that we could see water seeping from somewhere behind our bathroom walls (tub area) to the floor behind the wall. We cut into a small area of the wall and found black mold and water damage to the entire bottom portion of our bathroom on the two sides surrounding our tub. One wall backs up against our kitchen cabinets wall. I contacted State Farm and was told that even though the front of our policy states in big letters we have coverage for mold damage up to 10,000.00, that if we read the fine print on our actual policy we would see that coverage does not include slow leaks, even if there was no way the homeowner could be aware of it! It only covered damage from catastrophic events.

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