Hi, I'm from Miss. I'm here to share what happened between State farm insurance company & me in April this year. Me & my wife have been Katrina victims & we had filed federal lawsuits against State farm as they tried to prove that our home damages were the outcome of the storm surge & hence credited us with a little over $36k.
The federal judiciary had the opinion that State Farm are not guilty of procuring separate engineering reports to keep us away. But it was truly harsh how our damages have been turned down.
Most of the State Farm complaints would reflect their rejection of claims & the number of storm victims queuing up against state farm are increasing each day owing to their disbelief & fraudulent activities.
We had lost hopes while arguing about how State farm's involvement with an analysis & engineering co. had pro actively reduced the worth of wind damages done to our property. I'd still believe that this was an effect of their secret wish to reduce their liability towards my home owner's policy. What do you all think?
Total Comments: 476
Posted: Thu Oct 21, 2010 06:28 pm Post Subject: vehicle insurance
the premium was for six monts
Posted: Thu Oct 21, 2010 08:54 pm Post Subject:
We'd have to see the language of your policy's cancellation provision to know if there's a problem here. On the surface, the amount of their earned premium retention appears to be a bit excessive. The contract, however, might allow for it.
Posted: Tue Nov 23, 2010 05:40 am Post Subject: rachat de credit
Man, really want to know how can you be that smart, lol...great read, thanks.
Posted: Thu Nov 25, 2010 11:44 am Post Subject: state farm claims people
was told by a lady at the claims center that this was State Farm we are not here to screw you and I am speaking english right.....
Posted: Fri Dec 17, 2010 12:06 am Post Subject: rachat de credits
Is there anymore information you can give on this subject. It answers a lot of my questions but there is still more info I need. I will drop you an email if I can find it. Never mind I will just use the contact form. Hopefully you can help me further.
Posted: Fri Dec 17, 2010 02:45 pm Post Subject:
What would you like to know? Feel free to email me. Just click on the link below!
Posted: Mon Dec 27, 2010 06:25 am Post Subject:
If [name withheld] has been trained to be indecent and ill-mannered to your clientele, by all means he is doing an excellent job.
Given the time of year, an insurance company claim representative could be suffering from "Seasonal Affective Disorder". A repressed childhood trauma of not receiving the electric train set or bicycle for Christmas but getting a box of underwear and socks instead. And now, every Christmas, as his wife and kids continue to buy him more socks and underwear for Christmas, he just becomes more morose and unsociable, and takes it out on those he has to deal with on a daily basis. Try pushing his "button" by asking him how he liked the socks this year the next time you call.
It probably has nothing to do with you, personally, and you can always ask to speak to a Claims Dept supervisor.
You can also file a complaint with your state's Dept of Insurance if you feel the claim is not being handled appropriately, or in a timely manner.
Posted: Thu May 19, 2011 12:28 am Post Subject: Screwed up company
I had statefarm car/life insurance i gave them specific dates to directly withdraw my money. my agents were changed three different times, only one with good reason(i moved to another state) . Then when i got to the new state farm (because i moved my policy to another state) they changed my monthly iunsurance rates three times!WTF!!! I know the economy is in a rut but damn! Then instead of withdrawing THE money on the day you agreed on, they do it when they feel like it! This causes major problems for me . Example they was suppose to pull my money on the 5th they pulled it on the 12th. i spoke with the agent last mth, and she know i was pissed trying to explain everything,"i dont want you to leave statefarm with a bad taste in your mouth". After apologizing, i be damned if the company didnt do the same damn thing. they took the money on the 9th , it returned , they charged it again , then they got the payment. :evil: Then guess what ?They asked me to make the same payment again my mail today!!! yes i am furious!I have blocked statefarm from my checking account, and on to ALL STATE I GO!!!!!!!!!!
Posted: Thu Jun 30, 2011 08:15 pm Post Subject:
I have had State Farm for 20 years or more. At this time I have a home 2 trucks 4 cars and a motorcycle on my policy. I have only made a couple of claims with them over this time and they have paid out less than 3500 dollars while taking in more than 40000 in that time. I started with a claim for storm damage over a year ago and after all this time they have only said that my roofer was trying to con me ( didn't even want to do my roof but would as a favor) and the other was a consultant with a degree in engineering. They have both said I have storm damage but the adjusters both decline that I do, but they do agree I have storm damage inside my home. I would like to know how this happened? Now they have started to say that I am doing damage to my roof myself. We had an F4 tornado a half a block from my house and every house in the area have had to have a new roof but for some reason mine don't have any damage. Their claims dept have been nothing but rude and left me with no choice but to have an attorney handle it. I now have to put the roof on myself and fight to get them to cover this. Within the next month I fully intend to have new insurance with a different company and have already stopped at least 1 person from going to state farm. I will never put them out of business but I will tell everyone I know how I've been treated and do everything I can to take as much business away from them that I can. I have never been late on my payments and have never done anything for them to treat me the way they have so for those of you looking for insurance look to other companys. There may not be any company out there that would treat everyone the best but you would think they would try to keep customers that pay their bills and don't make many claims.
Posted: Tue Jul 12, 2011 04:52 pm Post Subject:
At this time I have a home 2 trucks 4 cars and a motorcycle on my policy. I have only made a couple of claims with them over this time and they have paid out less than 3500 dollars while taking in more than 40000 in that time.
A little confusion here. Your home and vehicles are not insured by one policy. You may actually have three or four different policies.
The other matter is your misunderstanding of how property and casualty insurance works.
You pay for auto, truck, motorcycle, and homeowner's insurance one year (or six months) at a time. Your policy is renewed at the end of that time or it isn't. If it's renewed, it may have the same policy number, but it's actually a new one-year or six-month contract. You may have paid a total of $40,000 in 20 years, but you did that one year at a time. Property & Casualty insurance does not "build cash value" the same way that some life insurance policies do.
You are looking at the numbers in the aggregate, the insurance company only looks at them one policy term at a time. Within the policy term you may or may not have had a claim. But when the term is over, you have no coverage and you cannot bring any new claims against that policy that occur after its expiration date. You had peace of mind during the policy term. But once it's over, it's over.
Now you have a new policy term, and you've paid your premiums, and you believe you have a claim.
Unfortunately, you have gone about pursuing your claim in the wrong manner. Engineering consultants and building contractors tell you what you want to hear, but they may have no idea what your insurance does or does not cover -- have either of them read your insurance contract? Your reliance on them is misplaced.
If you believe you have wind-related damage but the insurance company disputes this, you need to hire a PUBLIC ADJUSTER, a person licensed with your state's Dept of Insurance to represent you and your claim to your insurance company.
A Public Adjuster will ask you to sign a written agreement making him/her your "agent" fo the purpose of pursuing your claim. You will pay the adjuster about 10% of whatever he/she recovers for you from the insurance company.
Before all this, the adjuster will probably read your policy and determine if you have a legitimate claim. If you don't, he'll tell you and you won't sign an agreement.
So for the time being, forget what the contractors and "engineers" are telling you, and find a reputable Public Adjuster to represent you.