State Farm
Reviews and Complaints

I sure hope you didn't go to All State!

I was just denied by Allstate for the same thing. Our problem was a week long power outage of which we were not aware of to our northern Michigan vacation home due to a storm. A month after filing my claim with them, they denied it saying they do not cover pools or spas from freezing, no matter what the cause was. I was told that I should drain it and winterize it for the winter like a boat!
I have been a customer for 20 years with no claim history. My annual renewals only come with a declaration and abbreviated language, not the full 30 page policy !

the policy covers the named perils only. Hot tubs are considered personal property, as such they must suffer damage as a result of a covered peril. Simple break down, malfunction would of course not be covered. That would be like asking state farm to pay for your malfunctioning toaster or lawn mower? The resuling frozen pipe was not due to a covered loss and logically not covered. I truly wish that people who want someone to blame would take a few seconds read the policy that comes to your home every renewal period, ask questions if you do not understand. And take some intreats in protecting and maintaining your belongings.

I had the same problem except my camper is declared inhabitable last October my awning flipperd over on the roof called filed the claim and did not get to take my camper for estimate til May 2010 now it is july and the only they will give me is $2000 when my camper is worth $15000 because the water damage what do we pay full coverage for

The state farm adjusters refuse to award compensation for motorcycle accident where our motorcycle was totaled and I need surgery in the future The motorcycle was totaled (2017 Harley) and severe injuries including a damaged knee that was ordered by doctor and MRI
unreasonable settlement offer for pain and suffering I will have the rest of my life! my attorney and state farm are scamming me and mad I sent a complaint letter and threatening not to increase my pain and suffering and to pay for needed KNEE surgery and my discretion in the future. I already have estimate for surgery bot Stata Farm refuses ti give me the money for a furure surgery.. wE (mY WIFE AND i ARE INJURED AND UNABLE TO WORK! i AM A 100% DISABLED VIETNAM VETERAN WITH OVER 40 PIECES OF SHRAPNEL AND BULLET FRAGMENTS IN MY TORSO. i RECENTLY RETIRED AND PLANNED TO RIDE MY MOTORCYCLE FOR THE REMAINING YEARS...NOT POSSIBLE THANKS

On your second issue, I am glad that you were eventually paid, but normally someone isn't negligent (which is what it takes to have a liability claim) just because of a dishwasher malfunction. You should have a condo insurance policy that protects your property.

If a third vehicle hits a second vehicle, and the second vehicle hits yours, the third vehicle is responsible for the chain reaction. Sorry, but you don't have a leg to stand on.

Wife was in an accident where her legs we're amost cut completely off. here in Michigan "Full Insurance Coverage" entitles her to whatever she needs for the rest of her life as long as it's medically necessiary. State farm refuses to pay 50% of the 1.5 million dollars in surgerys she's had. Been a legal battle for two years now going on the third just trying to get what she is owed after paying 17 years of insurance to the very company that denys her the benefits she paid in to.

First of all, please use some punctuation. Your writing skills are an abomination, and it makes your complaint very difficult to read. State Farm Insurance has a select service program that is for your use. You can take the vehicle to any SF select service shop. The work will be done and State Farm will guarantee the work for the life of your vehicle. Find out more about this program at statefarm.com.

i am not an agent of allstate i do not kow the agent, but what i do not understand is where do you get off thinking that your agent is supposed to advocate for you. He represents the company not you. If you want someone that represents you, you should look for an independent agent not a captive agent that represents one company. if he pushes too hard there could be ramnifications for him.

Also insurance is a private business not a social service, , if an insurance company no longer wants to do business with you why would you want to continue with them?

I am an independent agent who is licensed in michican and I totally understand the hard property market that exists there.

In the future this client should purchase insurance and kow that all insurance companies are in business to make money that is it. Allstate owes it to their shareholder to make sure they rid the company of bad risk. They alos owe it to their clients otherwise teir esisting clients wolud have to pay higher premiums to offset the claims.

Try reading your policy next time.
"you may want to check this out" -what? the deductible you agreed to?

Even if you didn't read the detailed 6-7 page contract, there is a 1/2 page summary that clearly lists your coverage and deductible that literally takes 30 seconds to read and can be comprehended by a 15 year old. If you didn't have the sense or time to at least read that, then you have no one to blame but yourself.

As a staff person in an agents office, I think possibly there was confusion about the policy. I agree with the prior comment. You have a 2% deductible, which is solely based on amount of Dwelling Coverage you agreed to on your home. Nothing to do with the loan. I have yet to ask anyone what the loan on their home is, unless I'm quoting them Disability or Life insurance to cover the mortgage. State Farm as a rule of thumb requests policyholders to meet and discuss coverages with clients...not all clients or agents are receptive to this. In your case, it's an opportunity to review coverages, and hypathetical situations. A good agent, or staff person would make you aware of your policy limits and liabilities. That doesn't mean you will remember them 5 years later. I'm sorry for your loss! I do advise insureds take a higher deductible, but that they have that money set aside for catastrophic situations. Better for you to keep your money than to give to us. Not all agents make decisions on your behalf. You may want to request an insurance review with your agent ASAP! This was human error with regard to your knowledge...not State Farm as a company! Again, I'm sorry for your loss, the worst part of my day is telling someone their loss isn't covered, or they have to come out of pocket more than is affordable. Laurie in MN

It is called a percentage deductible and it has nothing to do with your loan but rather the amount you insured your property for. I recommend you get a copy of your policy and discuss the matter with whomever your agent is. If you feel you were not properly informed in November when you purchased the policy which is a contractual obligation between you and your agent (BTW as the consumer you have an obligation to read the contract and ask questions) you can always contact another agent in your area. Did you actually speak with the agent or somebody in the staff that may not fully understand the terms and conditions? Again your deductible is something you agreed to pay when you took out the policy, and if you did not understand the terms of the contract then it was your responsiblity to ask questions; regardless it appears you have what is known as a percentage deductible and again has zero to do with your loan; however is based on a percentage of what your house is insured with. Oh and if you don't like it you can always change it but I'm sure you expected you'd never sustain a loss and a % deductible is much cheaper than say a $1000 deductible.

I will give them a free answer...You have to determine if the pension was saved before or after taxes. If it was before taxes, I am sorry, but you are going to have to pay the taxes now. Since your husband is a former State Farm Agent and probably licensed to sell securites products during that time, he should understand that. Hire a tax professional!

it costs money for a tax consultant! They are trying to get a free answer!

Sounds like you should have contacted a tax accountant vs posting on a complaint board.

Attention edward rust jr.

I have been with your company for 16 years. I moved to ft myers last year and switched branches to bradley nash. I have had nothing but problems. One of your employees ken was only supposed to cancel insurance on a truck my husband and i sold but he canceled and susupended payment on both of our vehicles.

I didnt know i was driving around with out insurance as i have everthing taken out automatically and didnt notice any changes. This branch had my phone number and new home address yet didnt contact me.

My plate expires in 2 weeks and i cant renew without insurance, please help your employees at that branch didnt even give me your corporate # i cany get insurance anywhere else because of what he did. I was very low risk and he put me at high risk.

This is an awful mess as i have never had a ticket or been in an accident.
Please contact me asap. Lisa a davidson [protected]. Ft myers fl.

Edward rust jr.

Please call me asap about an urgent legal matter regarding one of your ft. Myers branches (Bradley nash) where and employee illegally canceled my insuance as well as susupending my payment!

I have been with your company for 16 years and have never had a problem until i transfered to that branch from another. I requested my husbands truck only to be taken off as it sold not both.

Lisa a davidson [protected] thanks you.

WE HAVE INSURANCE WITH STATE FARM NOW FOR 2 AND A HALF YEARS. WHEN WE TOOK OUT ARE ARRIGINAL POLICEY WITH THEM WE ASK FOR RENTAL INSURANCE BE ADDED TO OUR FULL COVERAGE. WE ASKED THEM SEVERAL TIMES AT THE AGENTS OFFICE. WE HAD HAD A BAD EXPEREINCE WITH ANOTHER COMPANY REGARDING THIS SAME ISSUE BEFORE SO WE WHERE ADMINT THAT IT BE ADDED. NOW 2 AND A HALF YEARS LATER WHEN WE ARE NEEDING THAT COVERAGE BECAUSE OF AN ACCIDENT THEY ARE CLAIMING THAT IT WAS NEVER ON OUR POLICEY. THEY ARE GIVING US THE RUN AROUND TELLING US THAT ARE INVESTIGATING THE ISSUE. HOWEVER I HAVE BEEN WITHOUT A CAR SINCE MONDAY AND THEY CLAIM THAT THEY WILL HAVE AN ANSWER THE LATEST ON MONDAY THE 25 OF FEBUARY OF 2017. HOWEVER MY CAR IS DONE OUT OF THE SHOP ON THAT THURSDAY.

Had State Farm insurance for 30 years with no problems. Had it in Arkansas, Oklahoma and now Louisiana. And by the way State Farm in Louisiana is $200 higher per car, per year for the exact same coverage. But now I have changed to another company. After 30 years with State Farm I moved to Louisiana and got an agent that could not bill me, call me or even mail me . My insurance got cancelled with-out me knowing and now State Farm will not insure Me because my insurance got cancelled even though it was their fault! So now I get to pay the fine to the D.M.V. while getting all this fixed. State Farm says I can get coverage after 6 months, No Thanks, I'll pass !

My AGent Scott Dawson is a real piece of work, does not return calls, slow in processing insurance and is flat lazy. The Adjuster if that is what sh is called Summer Winegardner is also a piece of wotrk, does not keep appointments and subscribes to the Insurance policy of Deny and delay. Last year State Farm earned from us as customers 46 billion dollars..

My car was hit when parked. Bumper ripped off and quarter plate damaged. State Farm wants only to pay for less than half of the bumper repair. I provided estimate to put back the damaged bumper and they don't want to pay that either since it is higher than a new bumper. The reasoning is that the bumper already had a dent. They do not want to pay for rent a car (one week) that I had. Let's get together a file a unified complaint we should not let these guys push us around anymore. They take our money but when we need them they refuse to do their duty.

Thanks,
Steve.

This year in Ohio there have been many horrific storms doing much damage to a lot of peoples personal property's. I filed a claim clear back in April and I am still trying to get my money for the damage to my home, we were out of power for 27 hrs and we are farmers and had 100's of pounds of meat in our freezer. I had to call someone to come and hale all the meat and debris from the storm, that alone cost me $255.00. I have never filed a insurance claim in my life so I didn't know I should have taken picture of everything, I don't have a camera, I could just about died. Now they are asking me the same questions over and over and over and over and I keep giving them the same answers. I am so tired of state farm, they are crooks and obviously don't want to pay for my damages. I am going to finish this nightmare and then I am going to switch insurance company's

APPRAISSER-Kevin Valentine -triler expert

while on my way to a job i had rough road hazards and front of trailer
pin box broke and almost caused bad accident.state farm declined supplement work after repair shop found more damage after it was took apart.Kevin Valentine, apprassier, out of little rock ar. area.became overnight trailer expert and says it was triler default.i
have been with s.f. for over 20 years and this is how you get treated.
i am in process of looking in to another insurance co. they are big joke.especially, kevin valentine

State Farm sends out a renewal bill with your ID Cards. They also send you a cancellation notice. The agent would be putting himself at risk for a liability lawsuit if he tries to send you an agent created letter. The bottom line is, you didn't pay your bill. Quit trying to blame everyone else but yourself. Take responsibility you deadbeat!

Always an excuse - to excuse them from ethical response.

Insurance companies cannot suspend your license. I believe you are a liar, and you did not have sufficient insurance to repair this guy's vehicle. You should be incarcerated. I am tired of idiots like you causing damage without proper insurance.

So what happened? Did your license get suspended? or do collection agencies just say that to get you to pay? I really want to know. You had no ticket or report to DMV, right? And they went behind your back and lied and made it sound like your fault. Can they get away with that? does the DMV really take licenses away for nonpayment to a collection agency? In Illinois does this happen? Let me know. Thanks.

I agree with "no time for idiots' You are up the creek without a paddle. When they first contacted you it appears you admitted to haveing no insurance or you told the driver whom you hit. Sadly you were backing up which about 99.9% of the time means you will be the at fault driver. Not only did the police find you at fault but also the insurance company - two different agencies but both found you to be the liable party.

It is your responsbility before driving off in a new car to buy insurance - its a state regulation and because you were driving w/o a license and were at fault yes the insurance company can file a claim with the DMV and once a judgment is received they will revoke your license. You're better off paying a monthly payment to the collections agency or setting up a lump sum offer or you will be driving unlicensed and have a judgment against you, mean while your credit rating continues to decline.

You have to own up to your responsibilities, if you're going to drive buy insurance.

I live in Las Vegas NV. and I have two homes five autos and two motorcycles all with State Farm. On July 9 of this year we had a strong storm rip through the valley ( heavy rain with 60 plus MPH wind) my roof leaked into my finished garage and leaks also in the formal dining room, the wind removed two wind turbines and destroyed the solar system for the pool. I called my agent and reported the damage, he gave me a number to call ( 11 July ) and I was given a claim number and I was told that a claims examiner would be out within two days to look at the damage. The claims examiner did not show up on the promised date ( I took off work to accommodate them ) I called the claims office late on the afternoon of the 11th July to see if the examiner was running late and I was told that this was the first time they had heard of my claim, when I asked how come I have a claim number the response was that I was a liar, and that a person would show up on friday because it is policy to show up within two days. I took off Friday the 15th and their representative showed up about 4 pm. When I showed the claims rep the opening to get into the attic ( a Female ) the rep said I don't go in attics so she stuck her hand up into the attic with camera in hand and took photos in a 360 degree manner. She then asked if I had a ladder because she did not have one. She then went on top of the roof and said that there was evidence of wind damage, and would cover the solar system and turbines but the roof leak dad damage to sheet rock paint and leak in formal dining room would not be covered because it was her opinion that the roof had seen better days and was worn out. We had rain during the winter and had no leaks at that time, the roofer stated that the high wind forced the water up under the shingles and caused the leak. Ok then I would pay for the roof repair and they ( insurance ) would cover the solar and turbines. It has now been over 30 days and several calls to my agent and the claims center and no one will return my calls how long does a reasonable man have to wait before the insurance company is in breach of contract or acting in bad faith.

We lost everything in a house on august 8 2010 and as of today 12/01/10 we haven't seen any money not even living expenses call me sarah berfield [protected] if you have any help ideas. Lock haven pa

i have had state farm for 21 years. i have had 2 claims 14 years apart. i received letter from state farm letting me know that they were not renewing my policy in May because my 2 claims were unacceptable. not sure why we pay into insurance if we are not allowed to use it in a time of loss. i guess the only thing that is acceptable with state farm is to pay your premium and never have a claim. i am very upset with state farm and will never have anything nice to say about them. i have been searching for a new insurance company to take me and they will not accept me as a new customer because i have had a fire loss in the last five years. so what do i do, who do i turn to. when and if i find someone to insure me i will have to pay a very high rate i'm sure. state farm is not a good nieghbor.

My good Neighbor just cancelled me. Why? Because i filed a subrogated claim that they assured me would not be held against me. I had a contractor working in my house and he ruined the floors in my house. He reported it to his insurance who decided not to pay even thought the contractor admitted his guilt. My agent assured me that they would step in remedy the situation and would collect from them. In turn I was cancelled for this. I was a life long customer of State Farm. Over 20 years insuring my two trucks and a motorcycle and my home. Stay away from State Farm they are nasty greedy corrupt and have no integrity or loyalty to their customers.
John A. Gonzales

Homecomings has helped ruin my credit when 2 months after closing, STATE FARM contacts THEM requesting payment for our homeowners insurance, which; as AZ Law dictates, 14 months had been paid for in escrow at closing. I have all documentaion from the title company, including a copy of State Farm's cancelled check...As a result, our 2 month's worth of escrow account was drained and showed a negative balance, which has since been reported to the credit bureaus regularly, our monthy payment on a 30 year fixed increase $500 and we have been given the '...not looking goood..., ' regarding our recent loan modification request. Bottom line, State Farm denys everything even though I have all the proof, they even issued new car insurance policy numbers around the time they 'debited' our escrow account fraudulently. Don't you think my mortgage company would have been calling if they didn't show any policy? How about State Farm calling, you know since we're on a first name basis with Curt Garrett's Tempe, AZ office staff. Hum...

Clearly you are angry, but perhaps instead of believing 100% of the media you need to do a little research. Let's for fun sake say for every dollar collected it costs two dollars to pay claims. How long do you think an organization can stay in business? Do you realize the destruction the past several years has cost Florida insurers. Oh by the way, Allstate pulled out also, but they waited for State Farm to do it first so they could avoid all the media attention. Yeah I'm a policyholder also, but before I jumped off the cliff and called my agent to complain and curse him out I stepped back and gathered all the information. My agent took the time to explain this is how much it costs us we are making on a policy and this is what it's costing us. Without the insurance rate they would go belly up. Oh and what if they raised rates 47% you'd ### then also, because then you'd have to pay more money. You're right it sucks because we are all affected. I live north of Orlando have not seen a hurricane in over 25 years but guess what, I pay an increased premium because I choose to live here. Now consider this, it is the govenor trying (he hasn't succeeded yet) to push out ALL insurance companies, you know what that means? Your right to choose who insures your home dwendles down to piece of crap carriers who have no financial backing. At least if your house gets hit by a hurrican you know State Farm is there financially to pay your damages - you really think if Citizens gets stuck with all the State Farm, Allstate and who ever else policyholders they will have enough to sustain your damages if we ever get hit by a big one. Rule of thumb, don't believe everything you read in the media they are there to get your feathers ruffled. Until you get a cancellation letter I don't think State Farm is going anywhere, and if they don't then you cried over spilled milk.

I think I agree. It's a little hard to follow the entire narrative.

I was informed by State Farm that, after more than 30 years of my family being a customer that they were canceling our homeowners insurance because we were too close to the water. During a follow up call, I was informed that they have changed there risk thresholds and since my house is less than 2500' from the water, they were canceling my policy.

Like you, I bought 30 years worth of their B.S. and stayed with them even though they were not the least expensive option.