State Farm
Reviews and Complaints

Hail Damaged Roof/Gutter Replacement Claim

Claim Number 2533J866C

In April 2022, we had a severe hail storm hit our city and damaged the roofs of many houses. In our neighborhood there were seven houses with damaged roofs. Six nearby houses had total roof replacement, but State Farm only wanted to replace the whole back roof, and partial shingles replacement on the front roof of our house. The State Farm inspector said there was not enough damage to replace all singles on the front roof.

Also, I question why I, who lives in Missouri, was given an inspector and third-party claim group from North Carolina. My neighbors apparently had local State Farm claim groups because their claims were started after mine and their claims are settled with full roof replacement, while I am still trying to get State Farm to do a complete roof replacement on my house. The roof contractor who was involved with doing my roof repair told me that State Farm did not want to give out any more money for roof repairs.

According to my State Farm claim activities, I have been assigned four claim Representatives or claim teams. State Farm sent the first claim check for all damages done to our property in the amount of $5,150.60 on June 23rd. 2022. After I called and complained about partial front roof replacement, a Claim Representative called later and said, they would send a check for $1,090.00 for the replacement of our gutter guards we had on our house.

Later, a Claim Representative called me and said State Farm would give $1,407.26 for gutter replacements. With the high inflationary prices in 2022, I thought the amounts were low for full gutters and downspouts replacement. I told the claim Representative that I had “Dollar Replacement” coverage in my State Farm policy. The Representative said that was all they could give me. With our house back yard enclosed, three to five roofers doing repairs will have to repeatedly walk across the front roof to dispose the damaged roof shingles into a front drive dumpster. We are concerned about the additional damages that will be done to the front roof. Also with spotted singles replacement, it will possibly deface the front roof appearance of our house.

We have been with State Farm fifty plus years with auto insurance. Through the years, we had five of our houses insured by State Farm. Previous claims with State Farm were always accepted. Now with an outside third-party claim group in North Carolina, State Farm refuse to satisfy us as long-term policy holder.

Claim # 42T8-39H Wreck 12/8/2022 Report 12/9/2022 Rearended while sitting at a stoplight and the driver admitted that he never hit the brakes

I was involved in an auto accident with an individual that reported the owner of the vehicle has State Farm. My two passengers had to receive medical care. I reported the accident on 12/9/2022. While reporting my claim the representative

taking my claim kept asking me about the vehicle that hit me. I repeatedly told him that it was a 2015 Dodge Ram 3500 truck. However, he kept mentioning a GMC truck. After correcting him several time he finally understood it was a Dodge. While on the phone reporting my claim, he mentioned that the owner of the vehicle had several policies. The owner of the vehicle was not the driver that hit me. The driver that hit me is apparently her husband who was driving with no license and openly admitted to me that when he hit me, he did not hit the brakes. My claim was picked up by an adjuster who never reached out. I called and left a message and finally got in touch with her the next week and she informed me that my claim had been passed on to someone else. She gave me the individuals contact information. I called and when I spoke with her, she was like I oh I haven't seen this claim before. Since this conversation I have had nothing but a hard time getting her to return any calls and it is only after leaving several messages at time. Each time she would call back I was informed that my claim was in the investigation stage because the policy number is not active, or the policy was not long enough. I was also informed that if they found a active policy they would make her add the vehicle to that policy and they would then cover my car. Well for several weeks I have been told this and when I would call State Farm and specifically ask to not speak to this claim representative again because she is no help, she is the one they send me to. I finally on 12/28/2022 speak with someone that looks at my claim and clearly states that the claim adjuster that has been assigned to me has not even so much as requested the police report and has not sent it to underwrite to see if the individual has any active policies. I asked if I could speak with the claim adjuster's manager and was informed that they can't directly send me to a manger, but he would send an email to the adjuster and the manager. He asked me if I had the police report and if I could email it State Farm. He gave me an email address and I emailed the police report. I also explained that I had returned to the police department that responded to the accident and asked them if they could help me because State Farm was not doing anything to help me. The police officer that I spoke with informed me that he was able to see that the owner has several vehicles in her name with State Farm Insurance. I also explained that I had seen the owner of the vehicle that hit me and her husband driving a brand-new vehicle that the police department confirmed was under her name and insured by State Farm. On 12/29/2022 my claims adjuster called me starting off with an attitude talking about I received your message. I explained to her what the police department had informed me of. She cuts me off and says well we can't find a policy. I went to explain that if the individual that took my claim could obliviously see there was policies under this individual, then other people within State Farm should be able to find claims. She cut me off again and I was like no let me finish talking. I explained that I don't feel that she has tried to help me in any way and that this individual knows that there is people driving around without licenses on a vehicle in her name stating they have State Farm Insurance. I explained to her that if we had been in a car, he would have more than likely killed us. I explained that when he left the scene of that accident, he could have caused another one that someone did seriously get hurt or die in. I explained that State Farm should not be okay with an individual riding around with no licenses throwing their insurance companies name around. She let out a breath and was like well we can't find any active policies and I did request the police report and underwriting can't find a policy. She stated that she had left A message (one message) I said its funny that all this time you didn't have a answer from the investigation and now all of a sudden you do. I also repeated to her that I had seen the individuals on a brand-new car that the police department confirmed was under her name and the insurance listed in the system was State Farm. She asked if I had a policy number. I said no because they can't legally give me that information. She let out a breath and I was like you know what I don't like the attitude you have and I want to speak with your manager and I don't want to speak with you any longer because you clearly don't want to help me. She stated she could not just transfer me but she would email. No call yet.

My name is Donna Porter and on 09/22/2022 around 11am I was traveling down Dixie Highway in Louisville, KY when I was struck by your insured causing visible damage to the bumper the hood and passengers side of my vehicle.

It was determined that your insured was 100% responsible so I had no problem going with the repairer and rentals provided by your company.

unfortunately the repair of my vehicle remains incomplete, which makes me feel there is a conflict of interest between State Farm and Glaser's Collision.

After Glaser's had my vehicle for several weeks I received a phone call from their employee Victor asking if my car had been making noise I immediately replied "no", my car drove smooth before it was hit" his question concerned me, then Victor stated that my car was making noise and shaking and that my Turbo was going out and that this was a problem common with my model car, a call to Ford Dealership proved his statement to be false, he then referred me back to the insurance company that advised me their decisions where based on what Victor told them and that I would be responsible for any additional diagnostic and repair cost, this is totally unacceptable to me because this issue occurred only after my vehicle was involved in an accident with your insured and while in Glaser's possession on their property for over a week before I was informed.

After a few days passed, Victor called again and said my car was ready but he could not fix my turbo boost reiterating that my model car was known for that happening and State Farm would not cover it unless I came out of pocket for a diagnostic test from Ford and a written statement saying that the damage was caused by the accident, this is totally unacceptable to me, for all I know Glaser's may have caused the damaged, so I refused to sign off on repairs because it was fine with no signs of any malfunctions until it was struck by your insured and discovered after many days in their possession.

After my conversation with Victor he immediately called State Farm relinquishing his company of any wrong doing and State Farm closed my claim paid Glaser's and cancelled my rental late that evening via text causing me great anxiety as I was in Lexington with my husband who was recovering from heart and kidney transplant surgeries.

I cannot sign off on this partial repair and feel it should be investigated.

This has caused me and my family undue stress as we navigate through these very critical and delicate times.

On September 8th, 2022, claim was made to State Farm claim -11-38X5-88T

My home was inspected by State Farm claim adjuster on September 20, 2022

After State Farm adjuster reviewed my damages, he did not give me a fair decision on repairing the roof of my home are the mold throughout some of the rooms and carpet and furniture damages, he stated that I only had minor repairs on the roof and my policy did not cover the mold so I only received 1,032.67 in a digital payment, which the roofing contractor stated that the whole roof need to be replaced because certain spot you couldn't walk on without falling through, pictures were uploaded along with the estimate price for repairs and I was denied for a full roof repair so I sent a letter to State Farm again in an email and was reassign for another review the new claim representative asked for a letter and for me to upload pictures from the company who did the roof inspection, this was the third week in November, I called the claim representative to let him know the roof was leaking and he said go buy a tarp and cover the roof wear it was leaking and state farm will reimburse me while he were reviewing my claim he called me back in 15 minutes and denied my claim. Now the roof is leaking really bad along with water inside the light fixture, which is a fire hazard, the ceiling is about to fall in,

My vehicle was totaled in September 2022. I called and received a quote on 2 different vehicles that I was considering purchasing but never confirmed the activation of the new policy. On 12/16/22, State Farm deducted $427.22 from my account without my consent for a policy that I did not start (I don't even own the vehicle the policy was started on). I called the office and spoke with an agent who documented that the charge should not have been put through and to cancel the charge. Unfortunately, the charge cleared which caused my account to become overdrawn and all charges following have been charged overdraft fees. I then called and spoke with an agent who informed me that if I was actually due a refund that it would take me 5-7 business days to be refunded. I could not be guaranteed any overdraft fees. I don't think that I should have to wait that long to be refunded nor do I think I should have to eat up over $200 in overdraft fees when I had funds in my account to cover those charges. I was told that someone would return my call (as usual) but of course I will have to call again to request an immediate refund.

When I paid, you got your money just RIGHT NOW. But, when I'm due a refund, it takes FOREVER! Where's my money? State Farm is worth Billions, yet SO demanding to get their money. And State Farm probably wonders why people are leaving them. Not just the child thing, (GenderCool) or gouging prices, or excuses for raising prices, or stuff like this. We've had enough!

Claim# 05-41W028K

I am very disappointed to know that my claim had been denied. I am not happy with State Farm at all for not considering the damage done to my property. I have been very faithful to tell the truth about the damage, alternatively I could have told a lie to get my claim paid.

The leak was behind a wall that no owners would know, how would you expect for me to see behind the wall what's going on. There was no pool of water visible to report the claim immediately, (per your requirement). You should be considerate and stand for your customers, in need for help in this situation.

I pay home owners insurance for a reason, and this is one of the reasons. I was bluntly denied on my 1st conversation to a claims specialist (Michael Anderson), bringing up some hidden disclosers as a result of the denial. The fine print disclosures are hidden during selling of insurance policy and during payment for losses, these fine prints become readable even with blind eyes.

I hope some responsible managers will take a look at my email, and perhaps re consider my claim. If still the answer is no, then I will probably reach out to some higher-level management for reconsideration. If my attempt fails completely than I will have no option than to: #1-Change the insurance company and, #2- file report with BBV and beyond.

Another matter that I want to bring up to you guys' attention: please be advised that in June of this year, I got a rental car for $25/day from State Farm. This price qualifies for the smallest car in the car industry, e.g. a smart car, I than upgraded to a better car for extra $5/day. My portion was $68.12 for 13 days plus the tax @ 9.875% should be a total of $74.84. The rental company in conjunction with State Farm charged me TAX on the full rental cost amount of $451.51, upon advice from State Farm-per the rental car company. I now understand that millions of customers are being victimized by State Farm for passing their portion of the tax to the poor customers.

I consider this as a tax fraud, that is a serious offence. I spoke and pleaded to your agent in regards to this matter, and also to the claims team a number of times but they bluntly told me they don't pay tax. It's a surprise - State Farm is a Tax-Exempt company? I was about to report this to the IRS but decided to put a temporary hold. I will now go ahead with my report to IRS, I have all my documents in possession as evidence. I will request IRS to carry out an audit, not only on this issue but the denied claim to me and also the previous denied claims to all other poor customers.

I will wait for a response and a reconsideration to my claim, before proceeding with this action. I hope that someone look into this immediately and respond, to avoid further action as explained above.

Sincerely,

Karan Singh

On October 19, 2022, my husband drove his truck through the Autobell car wash here in Virginia Beach. As soon as he returned home, he noticed there was damage to the paint. He immediately went back to Autobell to try and resolve the issue but was unable to. That afternoon we filed a claim with State Farm online. I sent a copy of the carwash receipt along with some pictures that probably weren’t the best pictures. I believe it was around end of October that we received a voicemail from SF stating they do not cover chipped paint on seven year old vehicles. I did call the claims department at that time and they had already closed the claim. I explain to the person that it was not chipped paint but had been damaged by the jets and brushes at the car wash. We then notified our agent and sent him more pictures and he agreed that we should resubmit and he did that for us. After not hearing for sometime, I called the claims department and they informed me the claim was closed so I inquired further and was told it was denied because they don’t cover normal wear and tear. We were never contacted about this either by phone, email, or text. We contacted our agent again and he contacted them on December 2nd that we wanted to have an adjuster look at the damage. I received a phone call from a SF claims person on Friday, December 2, stating they were setting us up with an adjuster and it would take 3 to 5 days to get the appointment. Yesterday, December 5, we received a text message at 8:11 AM with an attached estimate. The estimate had all zeros And at the location, it said residence along with our address and the word “virtual.” We were totally confused by this and then at 9:51 AM I believe it was, we received another estimate via email stating the same thing. There was no explanation with these estimates about what was going on so I again called the claims department and was told an adjuster looked at the pictures and decided the paint had come loose from the primer or something like that and therefore claim denied. All in all we’ve been told three different reasons why the claim was denied. We were told that we were being set up with an adjuster. We were never told that someone was just going to look at pictures again. We feel like we have been extremely miss treated by Statefarm with this whole process. My husband keeps his truck meticulously clean and in very good shape. There is no other part of that truck that has paint wear and tear, chipped paint or anything like that. We have never put in a fraudulent, frivolous claim with State Farm or any other insurance agency. We feel like we were not believed and we are really struggling with having any kind of trust with SF. We have never received anything in writing other than the estimates with the zeros on them which was confusing because we didn’t understand why we were getting estimates with zeros when we hadn’t even met with the adjuster. I understand that you probably get many claims from people that use car washes as a means of putting in a fraudulent claim. However, we have never done that nor would we ever do that. we are just having a very hard time with the way this whole process was done.

I recently changed fromm USAA to State Farm, what a mistake. Found out real quick how dishonest and full of crap they are. USAA was always great for 30 years, money got a little tight, so I switched to State Farm. Was involved in a nofault accident, I was rear ended while sitting at red light. My vehicle was totaled. They want to give me 5 thousand less that it was worth. All the upgrades that were completed in the past year and a half they aren't giving me the value even with receipt. If it wasn't an option when puchased you are out of luck. And if the upgrade was older than 1 year you receive 0$ for it. The comps that they sent were pieces of crap. I should be made whole as if I wasn't in the no fault accident. They are recuperating the money paid out from the other insurance company. I would like to see what they are paid for my loss vs. What they pay me. Totally dishonest company, be aware stay away!

Claim number 3740p933j recovered the car around oct 20 asked state farm to take it to gladstone mazda it is now november 22... Do the math its been over a month the sits at gladstone mazda because state farm adjuster (I think ive had five so far) no wonder none of them are familiar with the claim... Dont know if your feelin the vibe, so let me be clear as a 25 year probably longer state farm customer im fn pissed! That should provide some clarity. I try caling the 5th adjuster cant talk to him... My car continues to sit at the dealership waiting for state farm to do I dont what. I have all the texts emails etc etc etc so there is a long paper trail of extremely poor customer service... No wait there has been none of that. There has been nothing making any premiums state farm has taken worth a single dime. Im getting an ulcer im getting the run around and did I mention im pissed. This should concern you it would me if I was portraying myself as a "service" provider that accepted monthly premiums then said "who cares we got paid" let him be pissed we got the money... Its wrong its criminal

On Nov 2, 2022, my catalytic converter was stolen at my job. Since it was around 5pm I took it to a shop that was open. State Farm agreed to replace the catalytic converter costing over $2500.00 but would not give me a rental car. State Farm states my vehicle does not have coverage.

Almost three years ago I had Farmers, and my old truck was hit Farmers gave me a rental while I was transferring to State Farm. I was transferring my vehicle and my girlfriend's vehicle to State farm because of cost. Since I asked for full coverage because I my truck was new when I bought, I thought rental would come with it.

I was told my girlfriend's vehicle had rental car coverage but mine did not. Both vehicles were switched over the same day. State Farm states that rental car coverage is an added feature, but I did not ask for my girlfriend's vehicle to have it and there is nothing stating I declined the coverage. State Farm inform me that they are still going to deny the rental car because I did not check my coverage.

I had spoke with steven senera injury claims specialists with state farm september 21st 2022 about my injury and possibly needing to go back to the doctors, he gave me his number to call back once I was ready to finish processing my claim I call him back november the 2nd 2022 with my call back number and claim number never received a call back I call again on November 8th 2022 left another voicemail called same number to get transferred to another claims specialist and he answers let him know it had been a week since I called and left a voicemail and it was very unprofessional that I had not received a call yet and I would like a call back from his manager today by the end of the day he laughed and said that that was unlikely. I have been without my truck for two months have medical bills piling up and would like to get my claim money to get caught up on my truck payments and other bills ASAP I will not be dealing with STEVEN SENERA AGAIN! thinking about switching insurances as this is my insurance company as well as the driver that rear ended me

During a storm in April 2022 our roof was damaged as shingles became loose and tore apart from the roof and as a result, we had water leaks in the main bathroom ceiling, living room ceiling, bedroom closet ceiling. We had a public adjuster come on May 19, 2022, with a State Farm adjuster to do a walk-through around the property and inspect the damage. Pictures were taken, a report was processed, and according to the State Farm adjuster he stated they would review and find out if our shingles are still being produced but unfortunately there was no follow-up from State Farm. A few days after the walk-through inspection I received a call from the State Farm representative that shingles on my roof were not installed correctly and therefore could not replace the roof. On May 26, 2022, State Farm processed a check for $1,030.23 to repair the loose shingles and the water damage in main bathroom ceiling, living room ceiling and bedroom closet ceiling. I have not cashed the check we received as I am unsatisfied with the outcome. I have been a loyal State Farm client since 2011 and have a bundle package and feel dissatisfied with their service and treatment.

We've been paying renters insurance for 3 and a half years and we had a storm that flooded the wall. Water is coming through in a little crack but need rain to show it. State Farm is doing everything they can and manipulating verbiage to get out of a 100% legit claim. We went to State Farm to not deal with problems if anything was to happen. But they are trying to weasel their way out laziness or just trying to not pay. Not fair. If this isn't resolved I'm getting a lawyer. To crazy

Recently I received an increase in my premiums. When I contacted my agent through emails, they stated it was just a "simple increase." When someone is retired on a fixed income an additional $37.77 from the pension each month had nothing simple about it. So I asked again why the increase? This time they stated it was because of my 1980 GMC van, saying the cost of labor and parts has increased. I explained to them that that increase doesn't apply to me, because I only have PL/PD insurance. So instead of correcting their mistake, the manager wrote back and stated that they were going to "resign" my account. We (all of us) pay the insurance company to be responsible for our accidents, but because they singled me out within a group, I demanded a separate contract. If they claim to be responsible for all the people they insure, it's obvious they have lied, because in singling me out, they made me responsible for other drivers. Under the Uniform Commercial Code 1.207 I cannot be forced or compelled to enter into any contract without knowing the implied benefit or the compelled performance of any contract. Which is why I demanded a separate contract.

More than 3 years ago, I filed a claim where a property crime occurred via the Internet. Unbeknownst to me, I sold a diamond eternity ring valued over $60,000.00 on the Letgo.com website; A site where people can sale items of value to anywhere in the world. But the payment platform where the buyers used was a spoof site made to look like the legit Paypal site. The name was in my name: Willam Salzman and a payment of $60,600 was in my account.

I was told that when they receive the ring via mail, the money will transfer into my bank account form Paypal. Instead, I was robbed of a ring that was valued over $60,000. I made a claim with State Farm, but they told me I was not covered under my renter's insurance.

My personal property was damaged by a storm roughly June 14, 2022. I have no receipts for the personal property that was damaged. I have supplied multiple photos of all the damaged property. I have also supplied comparable items and the cost to replace. State Farm has not had a problem with paying out the replacement cost for all items except for 1. The one items they are refusing is my Patio dining set. It is an 8 person, 10 piece set with a stone table top and metal frame. I have sent multiple photos of my set and the damage done to my set. I have also sent multiple photos of comparable sets for replacement that seat 8 people and has a stone top. State Farm in return has resent comparables that only seat 6 and have metal frame tops. Obviously the price difference is huge. My table cost roughly $5,500 when I purchased it. The comparables that I sent ranged from $4,300-$4,600 which is well below my original cost. Instead State Farms sends their comparables that cost between $1000-$1,400 and only seat 6 and has a frame top. Definitely not comparable. The adjuster hasn't even sent any comparables that are stone top with seating 8 people. I have asked them to at least supply me with comparable sets with stone tops and seating 8 people but they have not done so. This has been an ongoing ordeal back and forth and I still have not seen any real comparables from state farm but they are still refusing to pay out without a receipt which I do not have. Again, they were okay with approving the other items without a receipt but not this 1 item. I would like to escalate this to a supervisor or manager of the claims department and I have requested for this escalation to the adjuster as well. She has not given me the contact information to speak with a claims supervisor or manager to date.

My claim number is 59-39X7-04L. I have called several times. Trying to get an answer on why we have not received our payment for our vehicle determined to be a total loss. Can’t get anywhere! Get a different answer every time we call our “Claim Team”. PLEASE help! We are desperate to buy another vehicle and we can’t do so until we are paid for our Tahoe we lost in hurricane Ian. My number is [protected]. Any help you could give would be a huge help. Sophia & Scott Straka

In August 2022, a severe rainstorm dropped historically high amounts of water in minutes. On one side of my house, mud or silt runoff suddenly clogged a drain, and debris piled up against the bottom of a fence, trapping water which quickly became approximately 18" deep. The water level rose above the brick ledge and/or went under the slab and appeared in the middle of a bedroom and in a tiled bathroom, approximately 1/2" deep of brown water. We quickly unblocked the water so it could run under the fence and the water level subsided in minutes, but the carpet was soaked and the bathroom vanities were damaged. We do not know if there is concealed damage in the walls or elsewhere. State Farm says this was a 'flood' and said we had no coverage. I understand that a 'flood' involves a lake or tributary leaving its boundary. This was a storm, no where near a river or lake, and likely exceeded the 100 year record. Understanding my policy is next to impossible. Seems like the only thing that is covered is hail and a tornado. Can State Farm deny coverage saying it is 'flood' damage? Also, State Farm refuses to communicate in writing, completely ignoring multiple requests by me. They insist they must speak by phone, recorded, questioning me without giving me opportunity to know the questions they wish to ask, or being able to be represented by someone that knows their tactics. This tactic of refusing to communicate in writing is also experienced from Progressive in a claim where their insured rear ended our car and they have delayed us by over a year while refusing to communicate in writing. Is this acceptable behavior, or a tactic to delay or deny coverage by clever questioning?

After being a State Farm customer for 30 plus years we had to file a homeowners claim due tom a leaking refrigerator. Claim was started 08/15/2022, since then we have had 6 different claim adjusters, 1 approval of the first estimate submitted by contractor. 1 reversal of same estimate by a different adjuster and delays that are too many to count. We are constantly being told policy this and policy that. All requests to speak to a manager in the claims department have only resulted in that a message will be send to the appropriate manager and we will be contacted. Now that has not happened at all after 165 phone calls this morning, I was finally able to get the first name of the manager (they would not provide last name (another SF policy not to provide last names) and get her voice mail to leave a message. Did I get a response to my urgent message NO I DID NOT!

bottom line DO NOT FALL FOR THE "FRIENDLY NEIGHBOR" line, what you get is a very rude and unprofessional company that has no idea what customer service is and has no intention to help you in in a reasonable time frame. ALL I CAN SAY, IS BEWARE WHAT YOU THINK YOU WILL GET DEALING WITH STATE FARM YOU WILL PROBABLY NOT LIKE WHAT HAPPENS WHEN YOU FILE A CLAIM AFTER BEING A CUSTOMER FOR 30 YEARS.