Complaint / Review
Indiana Farm Bureau Insurance
Denied homeowner claim

I recently had water damage to a detached garage. The face page of my Homeowner's policy says that detached garages are covered. I called my agent who said the loss was covered and to have the damage cleaned up. I did so and when the company who cleaned it filed their claim, it was denied. Why? The ijnsurance adjuster said that since I didn't park a car in the garage, it was no longer a garage and not covered. I don't know what else it could be - it has an overhead garage door and an electric garage door opener. There is nothing in this garage since I only have one car and prefer to park in my attached garage. My adult son parked his truck in the detached garage when he lived with me and for the past six years I thought I had coverage on it. I can understand some insurance companies try to get out of paying a large claim, but this was a little over $1,000 -not anywhere close to the premiums I have paid in the past 6 years.