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I had them cancel me for a gutter that came loose. I ran up to HD, bought some gutter screws, hung it back up and sent them a picture of the repair from my phone. Took less than an hour including the calls, repair, and email. You can just take photos and show everything is as it should be, but this sounds like you are taking it personally.
Funny part of my cancellation was that there was work they paid for that I hadn't had done yet. My car rolled into my two door garage with a divider between the doors taking it all out. I wanted to go to a single door but they said I would have to repay them if I deviated from the previous set up. After the cancellation they closed out the claim, so I was able to fix the door the way I wanted. ![]() |
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I’ve got some buddies from a town in Eastern AR that got nailed by a tornado last spring.
They’re telling me that State Farm has been very slow to pay, and want to try to cut corners and not total houses which roofs had been completely separated from the rest of the structure. |
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Quoted: I had them cancel me for a gutter that came loose. I ran up to HD, bought some gutter screws, hung it back up and sent them a picture of the repair from my phone. Took less than an hour including the calls, repair, and email. You can just take photos and show everything is as it should be, but this sounds like you are taking it personally. Funny part of my cancellation was that there was work they paid for that I hadn't had done yet. My car rolled into my two door garage with a divider between the doors taking it all out. I wanted to go to a single door but they said I would have to repay them if I deviated from the previous set up. After the cancellation they closed out the claim, so I was able to fix the door the way I wanted. ![]() View Quote I will take pictures and yes Im taking it personally. Its embarrassing and insulting to get told this especially when its a flat out lie. If I didnt give a damn about the way our house looked that would be one thing. But I put in considerable time to make my house show the best in the neighborhood. And trees and landscaping is one thing I dont skimp on. |
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We have SF have for forty years. I have had a few claims mostly handled well with the exception of trying to get information when I had an issue with a rental car. The girl in the agents office just didn't know the right answer. It all got sorted.
We had the inspector come out a couple years ago and they wanted the moss removed from the roof. Unlike the OP they gave us I believe more than a year to get it done. This summer I put a bunch of baking soda let it kill most of it then a month or so later spent half a day cleaning it off. Now I just put baking soda on the ridge line a couple times a year and that keeps it from growing. Not sure why they gave the OP such a short time frame. |
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Quoted: We have SF have for forty years. I have had a few claims mostly handled well with the exception of trying to get information when I had an issue with a rental car. The girl in the agents office just didn't know the right answer. It all got sorted. We had the inspector come out a couple years ago and they wanted the moss removed from the roof. Unlike the OP they gave us I believe more than a year to get it done. This summer I put a bunch of baking soda let it kill most of it then a month or so later spent half a day cleaning it off. Now I just put baking soda on the ridge line a couple times a year and that keeps it from growing. Not sure why they gave the OP such a short time frame. View Quote December 2024 is when all the imaginary problems need addressed. How does one fix something that doesnt exist? |
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Quoted: Down here, you are at the mercy of these companies. Despite no claims, ever, I've been dropped twice in four years. The first time wasn't a true "drop", but they went up 400% in one year and the agent claimed that they were purposefully forcing their way out of the market. The second time was a "decreasing exposure" letter. I live in an area that rarely gets storms, not in a flood zone, etc. I hate it and wish that we could just self insure, because we're at over 8k/yr with insurance being 1/4 of our monthly mortgage/escrow payment. View Quote |
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Back in 2006 at my old house, they said we needed a new roof and had 2 months to do it? I asked if they were walking around on my property and went up on the roof, no they said. Zero claims ok we dropped them. Also dropped wifes business and her partners factory, which was 15k a year. between cars, houses, businesses they lost 25k from us. Sold house 10 years ago, still the same roof on it. I did get my 6 month auto yesterday and both vehicles went up over a $100 each. No claims. wolverine insurance company.
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Quoted: Been a customer for almost 25 years. They sent over some guy that spoke no english to do a random inspection of the exterior of my home. He tried to communicate me using a translator on his phone. I called my agent and asked her what was going on. She said these inspections are normal and indeed random and there is nothing to worry about. Well fast forward 2 months. I get a courtesy call from my agents office. It was one of her assistants. They said I would be getting a letter in the mail from corporate in the near future with a list of items that need corrected before Dec 2024 or my homeowners policy will be canceled. I asked what are the issues? He responded: 1-Tree limbs touching the house 2 Dead bushes that are against the house 3-Our roof is in question I said there is not a single tree limb touching the house. I will walk it right now. Sure enough I was correct. We spend 2-3k every 4 years to make sure this isnt a problem and just had the service done in September of 2023. I have not a single dead bush on my property or a single one touching the house(and who cares if it is. My house is brick construction). I trim the bushes once or twice a month and always make sure to keep them off the house so I can walk behind them if I need to. Our roof was replaced in 2008. They are lifetime shingles. The slate dog eared shingles which are very expensive. I have been on my roof. There are no torn or missing shingles. The granules are intact and in great shape and there is no staining anywhere on the roof. Im livid. I asked them if they are sure they are talking about my house and not getting me mixed up with someone else? I spend a ton of time maintaining the exterior of our house. Its what I do when I get off work. We have the nicest and by far most expensive house in our neighborhood. I get constant compliments on how amazing the house and property look. Fuck State Farm. Ill be shopping for insurance. View Quote If you think that’s bad, wait until you meet the adjuster the assign to you when your house burns down… |
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Quoted: Been a customer for almost 25 years. They sent over some guy that spoke no english to do a random inspection of the exterior of my home. He tried to communicate me using a translator on his phone. I called my agent and asked her what was going on. She said these inspections are normal and indeed random and there is nothing to worry about. Well fast forward 2 months. I get a courtesy call from my agents office. It was one of her assistants. They said I would be getting a letter in the mail from corporate in the near future with a list of items that need corrected before Dec 2024 or my homeowners policy will be canceled. I asked what are the issues? He responded: 1-Tree limbs touching the house 2 Dead bushes that are against the house 3-Our roof is in question I said there is not a single tree limb touching the house. I will walk it right now. Sure enough I was correct. We spend 2-3k every 4 years to make sure this isnt a problem and just had the service done in September of 2023. I have not a single dead bush on my property or a single one touching the house(and who cares if it is. My house is brick construction). I trim the bushes once or twice a month and always make sure to keep them off the house so I can walk behind them if I need to. Our roof was replaced in 2008. They are lifetime shingles. The slate dog eared shingles which are very expensive. I have been on my roof. There are no torn or missing shingles. The granules are intact and in great shape and there is no staining anywhere on the roof. Im livid. I asked them if they are sure they are talking about my house and not getting me mixed up with someone else? I spend a ton of time maintaining the exterior of our house. Its what I do when I get off work. We have the nicest and by far most expensive house in our neighborhood. I get constant compliments on how amazing the house and property look. Fuck State Farm. Ill be shopping for insurance. View Quote |
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Snake Farm. Had them for many years. Then they became unaffordable. Even with no claims or accidents.
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Quoted: State Farm dropped my auto insurance 20 years ago. I asked my agent why and she said they can randomly do that with no explanation. I had no accidents, tickets or claims in the 15-16 years I was with them. View Quote Insurance is a statistics game. If you're on a winning streak at the casino you know statistically the house will win. You know at any round going forward the chance of you losing increases exponentially. At some point when you are money ahead you wisely cash in the chips and stop playing. Insurance companies do the same thing. |
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I hit a deer in March, and SF was unbearable from the word go. They said they don’t send adjusters in the field anymore, and that the truck would be taken to COPART 2.5 hours away. I took pictures to show the damage, which I estimated to be about $3600. I was buying a house as I just relocated for work so cash was tight otherwise I wouldn’t have made the claim. So the truck gets sent to COPART where it sat for 2 weeks before an adjuster looked at. Adjuster says $2400 dollars, hey no big deal, send it 2.5 hours back to the body shop and I’ll be good. Well I receive a call from the tow driver and he says “ Before I load this truck up at COPART you have no exhaust on your truck, both catalytic converters are gone. COPART, I find out, had requested the title to my truck before the adjuster looked at it and removed the converters. So I call SF and explain that their vendor stole my catalytic converters. SF then says sorry that will be another claim and deductible. I called every day for 3 months until I was made whole without a second claim. Their was a shitload more headache and other horseshit, but yeah SF is awful.
All told SF paid out over $12,000 for $2400 worth of damage. |
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Quoted: Scam Fraud victim here, too. We’ve had them for house and (now) four vehicles for 22 years. We were notified before Christmas they are dropping us after my daughter was in a wreck, at fault, no injuries, and we filled a claim in the roof for hail damage- which they denied. EVERY house in around is has had roofs replaced from two hail storms we had a year ago. SF said it wasn’t ‘enough’ damage for a replacement. I hate these thieves. View Quote Same with my FIL. He told them they can buy a roof, or pay for lawyers to defend their decision. He had three contractors verify the roof needed replacing. He got a new roof, but was dropped at renewal time. He was expecting it and had another ready to go. |
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Quoted: Snake Farm. Had them for many years. Then they became unaffordable. Even with no claims or accidents. View Quote That’s every company. Still trying to figure out this business plan and how the MBA that came up with it sleeps at night. Edit: We recently switch from GEICO to SF because SF was half the price on home owners and 1/3 on auto. Left the boat and waverunner with US Boats that was through GEICO. |
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Quoted: Why would they want to ditch a customer that doesnt report claims? Seems like they would want to keep me as I pay them a lot of money and they pay me nothing. View Quote They dont like your 16 year old roof. The mfg might call it “lifetime”, but insurers are becoming terrified of roofs over 10 years old. |
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Quoted: They dont like your 16 year old roof. The mfg might call it “lifetime”, but insurers are becoming terrified of roofs over 10 years old. View Quote Whats the point of buying a high quality roofing material if the insurance company is going to act like this? There are much cheaper asphalt options with lesser quality and warranty. |
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Quoted: Whats the point of buying a high quality roofing material if the insurance company is going to act like this? There are much cheaper asphalt options with lesser quality and warranty. View Quote At the current time, not a single reason. Im seeing metal roofs on commercial buildings being moved to ACV. With a 2% deductible. |
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Quoted: If you know a company by their commercials, they're a shitty insurance company View Quote State Farm All State Progressive Liberty Mutual To a lesser extent, Farmer's. The first 4 companies blast commercials everywhere. Progressive, with their gaggle of idiots, is about the worst. Followed by Liberty Mutual, which is almost as bad. All State has that 'mayhem' actor, another one that has outlived any humor. I have State Farm, so far they haven't messed with us. We had a new roof installed two years ago. Both vehicles are relatively recent. But I've heard the horror stories from others. |
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question did you get a answer on how the nice person that couldn't speak English was a Certified home inspector in the USA ?
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Quoted: question did you get a answer on how the nice person that couldn't speak English was a Certified home inspector in the USA ? View Quote Just called my agent and left a message with that exact question. Ill wait for her to call back. I really want info on what is “wrong” with my roof. |
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Quoted: State Farm dropped my auto insurance 20 years ago. I asked my agent why and she said they can randomly do that with no explanation. I had no accidents, tickets or claims in the 15-16 years I was with them. I'll never consider them for any insurance in the future. FSF View Quote Not having any accidents is also a liability. Or so I've been told in drivers ed in the 80s. |
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State Farm boosted my car insurance 30% after I got into an accident; I was stationary, turning right from a driveway, when a carload of illegals turned in front of a mom van, bounced off of it and bumped my POS van, bending one bumper. I filed no claim, the mom filed no claim, the illegals had no insurance. SF wouldn't even hear my complaint.
State Farm was NOT a good neighbor to me. |
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Insurance "inspectors" are the lowest form of human trash next to child predators.
I argued and fought with SF many years ago and they refused to cover hail damage that was damn obvious to anyone walking past and looking at the siding. It was a nasty hail storm that ruined lots of roofs and everyones siding was golf balled. SF was like, "nope, don't see anything wrong" A quick call to the local TV station about insurance companies playing fast and loose with their facts was fun. Reporter followed up with a call to my agent and the "inspector" and shit got turned around REAL fucking fast. Insurance companies do NOT want bad press attached to their names. And agents suffer the pain even worse. Get a burner phone, call the agent and corp saying you are from an investigative team following up on a tip that their company is not honoring their coverage. |
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I had exactly the same thing happen with Allstate. My father had been with them for most of his life, and I "graduated" to a policy with them when I started driving. I was with them for auto and home for more then 30 years. One day this guy comes and "inspects". Same thing, fix all this stuff or you're cancelled. I went with State Farm and have been with them since..
I'm convinced that some bean counter looks at the home insurance portfolio and says "We're too heavy in this state. Cut 10%". There isn't a home in America that couldn't be cancelled for some reason, so they do their dance and you're gone. |
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I got the email from corporate. Our roof needs to be replaced because the company Owens Corning no longer makes that product so it would not be able to be repaired if it gets damaged.
State farm can fuck right off. This is personal now. |
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Quoted: I got the email from corporate. Our roof needs to be replaced because the company Owens Corning no longer makes that product so it would not be able to be repaired if it gets damaged. State farm can fuck right off. This is personal now. View Quote 4 tab shingles? Our neighborhood had storm damage and the entire street was tear off and replace except for four houses, that had state farm insurance. State farm fought tooth and nail NOT to cover any of them. In the end they did from legal action. State farm blows, period. |
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FSF
Will never see a dime from me. They hosed me when I was rear ended by one of their insured drivers, while sitting at stop sign. Hate them with a passion. Scumbags. ETA: And then they went racist woke when they replaced white State Farm Jake with black State Farm Jake. Cold day in hell before I ever use them. MFrs |
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Quoted: Dad left State Farm for Allstate. The car insurance rates are higher but the house insurance rates were lower so it evened out and was cheaper than State Farm. View Quote Allstate is just as smelly as SF. Many years ago my girlfriend's car was parked; it got hit and damaged. She made no claim yet they cancelled her with no explanation. |
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25 years. There's your problem. I'm surprised the very likely screaming premium increase at this point hasn't already made you jump ship. They know you're due for a claim after that long. They want you gone.
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It is pretty standard around here to require roofs to be replaced after 15 years. "Lifetime" does not mean shit to the insurer.
What is lifetime: The shingles? The nails holding the shingles down? The decking underneath the shingles? The caulk around and openings? If the roof comes off in a storm or you have water intrusion, it is SF that is on the hook to fix it. |
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Insurance companies just looking for a way to increase the rate or bail out of insuring you. They took a beating b/c of fires/earthquakes (HI), floods and what not as an excuse for rate hike or bailing out.
My cousin's house faces the same thing. Drone used to photograph the roof and insurance say the roof is bad. Trouble is in the photo interpreation. Certainly a roof is bad but it's the neighbor's roof that is bad and not my cousin's roof. |
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I was a loyal state farm customer for 30 years. Insured the house, car, and my rental property. Never made a claim until the ice storm 4 years ago. After that claim, they canceled me.
I'm with Geico and I'm paying far far less and so far I am happy. |
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Quoted: Been a customer for almost 25 years. They sent over some guy that spoke no english to do a random inspection of the exterior of my home. He tried to communicate me using a translator on his phone. I called my agent and asked her what was going on. She said these inspections are normal and indeed random and there is nothing to worry about. Well fast forward 2 months. I get a courtesy call from my agents office. It was one of her assistants. They said I would be getting a letter in the mail from corporate in the near future with a list of items that need corrected before Dec 2024 or my homeowners policy will be canceled. I asked what are the issues? He responded: 1-Tree limbs touching the house 2 Dead bushes that are against the house 3-Our roof is in question I said there is not a single tree limb touching the house. I will walk it right now. Sure enough I was correct. We spend 2-3k every 4 years to make sure this isnt a problem and just had the service done in September of 2023. I have not a single dead bush on my property or a single one touching the house(and who cares if it is. My house is brick construction). I trim the bushes once or twice a month and always make sure to keep them off the house so I can walk behind them if I need to. Our roof was replaced in 2008. They are lifetime shingles. The slate dog eared shingles which are very expensive. I have been on my roof. There are no torn or missing shingles. The granules are intact and in great shape and there is no staining anywhere on the roof. Im livid. I asked them if they are sure they are talking about my house and not getting me mixed up with someone else? I spend a ton of time maintaining the exterior of our house. Its what I do when I get off work. We have the nicest and by far most expensive house in our neighborhood. I get constant compliments on how amazing the house and property look. Fuck State Farm. Ill be shopping for insurance. View Quote In 1992, State Farm dropped me as a driver because I was a teenager and they took a major hit after hurricane Andrew. Turns out, they did this to tens of thousands of "high risk" (read that as male teen drivers). I went with Nationwide and have been with them ever since. I occasionally get calls from State Farm wanting to give me a policy. I tell them that when I needed them, they dropped me and that there isn't any offer they could make me to get me back. Now, Nationwide has my homeowners insurance, vehicle insurance, and not only mine, but they carry the policies of many of my friends and family now. Fuck State Farm is right. I will never give them another penny of my business. |
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Be glad you got this before you needed to submit a claim.
That was a fucking shit show. |
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Quoted: It is pretty standard around here to require roofs to be replaced after 15 years. "Lifetime" does not mean shit to the insurer. What is lifetime: The shingles? The nails holding the shingles down? The decking underneath the shingles? The caulk around and openings? If the roof comes off in a storm or you have water intrusion, it is SF that is on the hook to fix it. View Quote Their website says 25 year algae warranty and limited lifetime. Looks like the shingles are covered for 10 years and after that its pro rated for each year you “enjoy” your shingles. I mean I live in ohio. Its not like we get hurricanes and winds the blow off shingles every year. Not a single shingle is missing or broken. The roof is in excellent shape. Edit: I understand the roof will not last my lifetime. But less than 15 years is a joke. Unless you get an unlucky hail storm roofs around here last many decades. |
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Huh. State Farm just paid off on what I thought was a small accident on my toyhauler. Thank God they did as it was way more expensive than I thought it would be.
ETA: Will be on the lookout for rate increases. |
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Quoted: Be glad you got this before you needed to submit a claim. That was a fucking shit show. View Quote Yeah I can see that. But I don’t submit claims is why Im pissed. I always thought insurance was there for catastrophic events. If we have a $5k water leak at the house than I am paying out of pockets. |
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I’d be most concerned that some foreigner was walking around my house taking pictures. I would have tossed that illegal off my property and have State Farm send someone else. Thank God i have USAA and don’t have to deal with fly by night insurance companies.
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Quoted: I’d be most concerned that some foreigner was walking around my house taking pictures. I would have tossed that illegal off my property and have State Farm send someone else. Thank God i have USAA and don’t have to deal with fly by night insurance companies. View Quote Wonder if grandchildren are eligible for USAA? I believe my grandpa(korean war vet) was a member. No idea if my mom is or has been a member. |
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