State Farm

I've been a State Farm Customer for 25 years, house and up to four cars. I had major wind damage to my roof and they aren't paying for a fraction of what needs to be done. I asked them to reinspect, they made me get a second quote before they would send someone out and then they sent the same inspector out to defend his actions rather than get a second opinion. For roof the damage, state farm will pay me $1,100, both of my estimates are for $8,000+. For the fascia damage my estimates are $450 theirs is $110.

Now if I had 20 more 8x8 dog pens with a dog house (my cost <350) I would be in good shape as they will give me $700 for a flatened dog pen.

Like a good neighbor, state farm is where? Counting your money.

i had to take care of everything after my accident, my agent did nothing! and the adjusters were not there for weeks!

"Like a good neighbor" my arse.
I got a speeding ticket back in December of 07. The police officer (who was keeping everyone safe) said that I was going 11 MPH over the limit, but that he would reduce it to less than 10. He said there would be no points, only an eighty dollar fine. I thanked him and went on to work.
My renewal was the following April and i forgot to pay it...no one's fault but my own. When I called my State Farm acency, they told me that since I had a ticket and went 31 days with no payment, that they could no longer write my auto insurance. Nevermind the fact that I'd been their customer for 24 years at that point. Nevermind the fact that I'd had no tickets or accidents in 13 years, and nevermind the fact that I offered to pay the premium in full, as opposed to the quarterly that I missed...my "good neighbor" no longer wanted my business.
I reminded the lady that Eddie Van Halen was the best guitarist ever, hung up on her, and took my biz elsewhere.

I see a lot of negative reviews, but I would like to share an experience. My parents's vehicles are insured through State Farm, and I thought they were excellent. My parents cars got dented from hail that came through their area, and they had every one of their policy holders come to a designated area that was set up at a car dealership, and the state farm reps were out their in ther button-up collared shirts and dress pants along with the detail people they hired washing and then waxing the cars to make sure they could clearly spot all of the dents, gouges, and scratches that were caused by the wind, hail, and flying objects. That was in Coffey County, Kansas at the time, so I don't believe that these people don't honor their automobile claims. To me that seemed to be above and beyond the call of duty.

I was a State Farm homeowners policy holder until recently. My decision to switch to another company had to do with the treatment we received during a claim. In a nutshell, they refused to pay a claim amount even after the Independant Adjusted put it in writing to us. They gave us such double talk, and after repeatedly trying to get a straight answer I gave up. In particular, I dealt with the mid-atlantic division and a Matt Veasal. He was unable to explain why they first agreed to pay and then refused later. I would be very wary of this company's promises. We have since moved on to another company and would encourage anyone looking at State Farm to look closely. Your home in an important asset to protect! David C.

My husband has been with SF since his first vehicle purchase at the age of 17. Obviously since then much has changed! (We have gotten married, had 3 kids, bought a house and boat- all of which we had insured with SF). At this point (2010) my husband has been with them for over 13 yrs...I loved that we had a local agent, and thought we had good coverage for what we were paying.

That is, until recently...My family was on vacation in 2008, when we hit black ice and slid into the ditch- cost for repair? around $5000.00.
Then in '09 my husband gets into a fender bender at a STOP light!! Very minimal damage, but the other vehicle made a claim on our insurance (which is why we PAY insurance, so I was fine with it...) cost for repair? under $3000.00.
Last month, while backing up, he hit a truck..cost for repair? around $3000.00.

So. After 13 yrs of State Farm taking our monthly premiums, and after only 3 MINOR claims(all of which had no injuries!!) in 13 yrs, we get a phone call and a letter- basically telling us they're kicking us out, and we have untill the end of the month to get insured by another company!!!

Wow! Bravo on the great customer service!! Nice to know that after a couple years of crappy luck, State Farm still likes to kick you when your down! All in all- I will NEVER recommend anyone to go with State Farm, because a loyal relationship should go both ways...

These pigs. I had a collectors car that I painstakingly restored and never drove. It was insured by state farm and destroyed while park by tree limbs during a winter storm. Years later I was run into by one of there insured while stopped for a red light. Both legitimate claims with no complicating factors. Have I ever seen a dime from the slime? NO! Take your business else where.

I could not rate state farm any lower.
I thought I was overinsured - and I took out all the coverage that my agent advised.
While paying the premiums I was a happy customer - however as soon as I had to file a claim I was told that their agent had recommended the incorrect coverage and they denied my claim.

While the theft alone was bad enough - State Farm made the situation 10 x worse.
At the end of the day - all that matters with an insurance company is how they treat you when you file a claim....and State Farm HAS to be the worst by far based on my experience!

I read all of these negative reviews and it makes me sick to my stomach. I am very familiar with State Farm. I have worked for them for quite some time. I have actually been in the insurance industry for years and found that this was the one company that actually worked hard and follwed through.

To you it may seem like a biased opinion but as a "consumer" as well, I know that I would not want to deal with any other company. I have seen it all but most of you have only seen one side of things. To hear people talk and complain about claims makes me laugh....hard. SF is know for and is number one in claims. They are the number one auto insurer in the COUNTY....They insure 1 out of every 3 vehicles on the road and 1 out of every 5 house. Let think about this one....how in the heck can a company become so large if they were doing such a bad job???? I hear the complaints, I hear all of the good as well. I can tell you that I hear good more than I do bad.

American's have this misconception that insurance is to be used at anytime for anything. People you are so wrong and if you think that your situation would've been different with any other company....think again. All of these adjusters know what to look for. I can tell you that insurance is for Catastrophes! Not maintenence!!!! If your house doesn't look pretty, it is not up to the insurance company to fix it. If you have damage and you have water leaking into your home, then yes, by all means, contact your insurance company.

Bottom line is no company is perfect....you will always come across people in life that are not willing to help you or who give you incorrect information, but SF is an outstanding business. That is why they have gotten so far!

If you ever have a problem of any kind simplly indicate that you will be contacting the State Insurance department for your state to complain about unfair claim practices. The insurance carrier will then snap to attention and get things done for you. The last thing they want is the insurance department visiting their office reviewing their files. I should know. I worked them for 6 years. But to be honest sometimes it's a very bad claim representative that's causing you problems much more so than the company itelf. Another option is to speak with your rep's supervisor. The squeeky whell gets the oil. Trust me.

In May, 2007, I was rear-ended by a person insured by Snake Farm. My husband and I have been insured by Snake Farm for 20+ years (home, auto AND earthquake). Although Snake Farm quickly and without complaint paid for the damages to my vehicle as well as all medical bills resulting from the crash (I spent 13 months in agony due to the collision), I was offered a paltry $8000 for pain and suffering.

It became necessary to sue to get an an amount anywhere near appropriate in compensation. So, do you think Snake Farm would come to their senses and offer me a decent amount of money for 13 month of pain & suffering then? NOOOOO!!!!! Much, much better to pay a rude, crude, hateful, @itchy attorney somewhere in the neighborhood of $45,000 plus another $10,000 or so in expenses to fight it in court -- where they will most certainly LOSE since they've already admitted fault by paying my damages and medicals.

We're in the process of changing insurance companies now. I don't know if any of them are any better, but I'll be damned if I'm going to send our insurance premiums to this piece of &^(* lawyer who is intent on putting me through hell and back just so that she can bill Snake Farm more than most families in this country make in a year.

I'll say it again: Snake Farm will take and take and take your money from now until the end of time, but if you ever need that "good neighbor", you'll find he's fled the country with every penny you've given him -- just like Bernie Madoff. They're thieves, they know it, and since their pockets are deeper than ours (because we were stupid enough to give them so much of our HARD EARNED MONEY), they don't give a damn what they put you through. They'd obviously rather pay a shyster attorney twice what they should be paying you than own up to their responsibilities. They're rip-off artists, and they delight in it.

Stay away!
After selling us "extended coverage" for our older home, refused to pay claim when plumbing busted. Cost us $8,000 out of OUR OWN pocket.
BEWARE!
Policy is a joke. Looks more like a pamphlet. Apparently so they can refuse to pay and there is nothing in their "policy" that says otherwise.
BEWARE!

I have a Great agent and her support staff is beyond belief in customer service, small town near KC Raytown Missouri, small office, big time support, on everything,

Covered home break in, very quick but watch out for depreciation, I bought full replacement value policy to cover inflation, but no one said anything about depreciation, using a typical business tax depreciation schedule, I was sold, not by this agent, I was transferred the agent I started with moved, but the idea was buy full coverage, and you are not out but the deductible, but no one said depreciation was an issue,


Now I keep good records so I knew when where and what I bought and how much, so when stolen I could give them a complete list of serial numbers and so on, they had no problem paying, but depending on the item, some things depreciate at faster or longer time frames than others, so say software is fully depreciated at 6 years, I guess you get nothing, I have to check on that yet,

I didn't like that, but this is not the agent, and probably true with all companies, so beware false security of full coverage replacement value,

But overall they worked hard to take care of me withing the rules of the company, great service advice, get an insurance checkup at least once a year, check on flood insurance, a flood can be water pooling in your backyard and coming in the house, NOT COVERED< water damage due to stupid, say you knock toilet paper in the sink and leave the water on, flood the house, normal coverage does not cover stupid, you have to have a rider, ask questions no matter who you choose,

But State Farm in Raytown is one of the most caring, customer service driven businesses ever.

I think this insurance does an exceptional job. I am extraordinary happy with the accomplishments my agent, Lazaro Neto was able to do with my insurance. Thank you guys so much for you support. By the way anyone who has this insurance, espeically agent Lazaro Neto can be economically benefited!

awful agents

Don't Go Here!

State Farm - Paul Jordan -- Carrollton, TX

My insurance was cancelled after an accident (first in 18 years) and one small weather claim. This agent said it was "for the good of all other customers" to "keep rates down."

If an agent will cancel you for needing the insurance you pay for every month, every year, every decade... why have insurance?

....also wanted to comment on the level (or lack of) service from State Farm. I called my agent angry over the fact that they would even consider dropping me because of two claims (one not even in the home I currently own), and had asked if this was a result of countries economic downturn, reply: "..we down sell that sir." Huuuhhhh? After 3 phone calls (span of 2 months) and 2 e-mails I still have not heard back from my agent until today where they notified me that they finally spoke with the home office and they would not continue on with the policy! Crazy thing, my wife is insured on her automobile and a different agent through SF, and will drop her coverage so we can bundle and save with the competition. Lose a customer + two through poor service, way to go State Farm!

I have home owners and two cars insured. I have used them for 10 years. my home owners has gone up 10% each of the past 2 years. I went to my agent to find out wy and he said because of the storms. He talked for an hour trying to sell me more insurance. Then about a week later I get an aditional bill on one of my cars do to rate increase. I should have just stayed away.

Try working for them! Lol The Farm has lost their ethics and morals - it seems to be all about money, advertising big and screwing the little guy! Need I say more?! Glad I am off the farm.

No problem for years. They gladly accepted my premium payments. I had the nerve to file a claim for storm damage last year. They refused to renew my policy after that.

My house was broken into four months ago and the claims rep calls back about every three weeks to tell me she is missing my paperwork, then it was my police filing number, now it is that is not enough proof of ownershhip of the item. They want more proof. Ugh! The expect wait time on a check is now a minimum of two more weeks with half of our items not covered.

Outstanding claims service on first party automobile physical damage claims.

so far, State Farm has been up front on my policies, very friendly and you "get what you pay for" (knock on wood). I wouldn't mind paying for State Farm rather than pay them "discounted" insurance companies for half of what State Farm offers.

We had an engine fire that had totaled my car. It took the State Farm about 3 weeks to get the fire report, while we sat with no car, taking public transportation 2 hours to work each way. They kept telling us that they had requested the fire report several times and even sent someone down there to get it, but we called the fire bureau and they said they recieved zero requests. So finally fed up, my wife took matters into her own hands calling the fire investigator and in a matter of a couple of hours and a few phone calls we got the fire report on our own. They should be paying us for doing their work! Then they said that they would overnight the settlement check Wednesday so we should get it on Thursday. We didn't get it until Monday, and we even had to call them to see if they got it. When we got there, they said that had recieved it Friday! But didn't bother to call! So we finally get our check and it turns out they made the check co-payable to our bank (Chase) which was fine if we had any Chase banks in our area! So now we have to overnight our settlement check to Chase, then they will take their cut of the check, then send the remaining amount. I asked why State Farm just didn't pay off our bank and they said that it would have been more paper work! It was as if this was State Farm's first claim they have ever handled. We had to do their work, calling the fire bureau, ordering the fire report, calling and making sure our check had arrived, sending out the settlement check to Chase. What the hell did they do? Needless to say we are switching insurance companies.

Profit oriented! that's all!

The worst service ever! My car was rear-ended and they treated me as if I was not even their client. I had to file a claim with the insurance company of the person that hit me. My insurance company was not helpful or all. I was not made whole, or even assisted. I am shoping now for a new insurance company.

Every state farm agent I have had the displeasure to deal with is truly a company man. They have no interest at all beyond getting your business. Sign on the dotted line and they dissappear. As soon as there is a problem you are talking to someone in a far off claims office who does not care about personal service or customer loyalty.
Stay away from Tom Poelzer in Brookfield Wisconsin

Our State Farm agent failed to advise us on coverage. Although I claimed $10,000 worth of jewelry on the questionaire I filled out for my application he never made mention that my policy would only cover $2500. He never suggested a supplemental policy. My jewelry was recently stolen and I can only recover $2500. Make sure your agent spends time with you explaining your coverage. Im in the process of filing a malpractice suit against him. Yes, Agents must be covered for not advising their clients!

I was very surprised to find after almost 10 years of service with state farm they cancelled me with no options and no notice. All because my wife is not insurable thru State Farm. She is insured by Progresive though, but that doesnt matter since if she drives my vehicles State Farm would be liable for her. huh!! thats why she has insurance and most importantly her own car. So I am very surpised and dissatisfied with State Farm and will never seek insurance thru their company again, nor recommend them to anyone.

I have had State Farm for about 25 years in Arizona and my service has always been fairly good but recently my daughter was in an accident while attending school in Boise and the service we received from the State Farm in Boise and Olympia was horrible.

This company is horrible. I am the only homeowner in my community that didnt get a claim for storm damage. I am also the only one with State Farm. They are unbelievable crooks. The roofer had to put up tarps to keep water out. They actually sent out engineers to get on the roof and write up a document saying that hail damage cant cause roof damage. This company basically is who state farm pays to come in when they are not going to give a claim. These idiots couldnt even get on the roof without a harness. They had the nerve to say the damage was foot traffic(like someone in running around on my roof) They are absolutely fraudelent. Several contractors have told me that they are notorious for this. As a matter of fact, he said several adjusters come out without a ladder to look at the roof. How can someone not even get on your roof and deny your claim?? They come out knowing they are saying no.

been with state farm since 1992! let them have fee rien of my checking account by deducting my ever changing policy amounts monthly,,,,but when my 16 year old kid has to be listed as a primary driver on one of my vehicles then there good nieghbor policy goes right out the window! my son got his own policy for his car with another insurance carrier,,but that wasnt good neough for state farm! they then cancel my vehicle unless i sign a paper ,,,,,i feel this is ridiculous since he has his own policy! so 14 years of faithful service to them has gotton me a slap on the face! state farm Su**s.

I'm an attorney and the clients who come to me complaining about insurance bad faith are most often dealing with AAA. State Farm is second.

Awesome service and great prices

I have had state farm for both my vehicles and my house for seven years. I have had one clam paid out for Theft loss two years ago. Recently I found out I had some water and mold damage in my bathroom. I called State Farm and they sent someone out to look at it. They informed me that because it was mechanical failure on my shower valve that the rot and mold was not covered. (I was miffed, but understood that mold is not covered) Two months later I get a letter stating that my home owner insurance is being dropped. Because I "made a claim" against my policy, they dropped me. No money was paid out because the damage was not covered. Again, because I have too many claims in 3 years (two claims) one was paid out in the amount of $1988.00 which after my $500.00 deductable amounts to a whopping $1488.00. The other they said they would not cover. Be very careful if you get "Snake" Farm. They will bite you in the A$$. J Quintana

I'm not happy with the way ANY insurance company does things, because they insist that you make all your payments right on time, but on those rare occasions when you need to file a claim, they'll drag things out forever and make you keep asking before they give you back anything to help you out. However.....among the many companies I've tried, State Farm seems to be the best and the friendliest. Most of my experiences with them have been good ones.

I used State Farm for years!They respond fairly quickly on claims!The downside would be that the prices have risen greatly over the years!

i have had state farm auto insurance since i began driving in the late 70's. in 2002 an uninsured motorist sideswiped my car and since i did not have rental coverage i had to spend about $900 to rent a car while mine was in the shop. at the time of the accident my agent assured me that they would pursue all of my expenses from the uninsured cockroach who hit me. i kept calling every three months or so concerning a progress report, and the case kept getting transferred. about a year later i was informed that the company was not pursuing my case for my rental expenses, and that this had been decided about 6 months previously. if i had been told about this up front i would have dealt with it, but to be misinformed really singed my drawers. i wrote an angry letter to state farm which indicated my disappointment about being mislead. it ended by saying that state farm's motto is and like a good neighbor, state farm is there, but in this case i felt more like my good neighbor was the type of neighbor who would have sex with my wife when i was out of town. i didn't receive a reply. my car was fixed, but the whole incident left a sour taste in my mouth. i didn't switch insurance companies, but before this incident i would have given state farm 5 stars.

I remember my mother telling me when I first started driving that State Farm tended to have higher rates. I had a policy with State Farm for about a year and a half when I lived in Florida and cost-wise, it seemed about average. As to service, I had no problems with them at all.

Pretty good, actually. They are usually very reliable and friendly.