On Jan 12, my home was burglarized as I was moving to another home. I have State Farm renters Insurance since April 08. I called Police, and I called My agent, Mr Lewis in Streator Illinois. I did everything they asked, made a list of everything that had been taken, supplied copies of Police report etc. 2 days after reporting the claim, I got a visit from the Adjustor, Mr. Chip Wilmont. He came to the house and I had to give a recorded statement and also had to sign a release for State Farm to obtain my credit report.
I was made to feel like the criminal during this "interrogation". I was asked if I was late with my rent, how much money I made (I am on SS Disability and do side job during the summer months for extra income), I was questioned as to what my car payments are, if my husband (we are separated) is up to date with his bills etc, is his mortgage current, are all his bills current. This adjustor was 'being nice' looking back now, I should have hired a lawyer before I spoke to this guy who has turned out to be a total JERK! I have called my agent several times to no avail, according to Mr. Lewis of State Farm In Streator Illinois, it is out of his hands. I told him that I felt totally screwed around by State FArm and He is my agent, he should stand up and help me with this claim.
Mr. Chip Wilmont has spoken to me several times, the last call became very heated. He basically came out and told me that I had to prove all recepits for all items "supposedly stolen" and that he doubted that on my income I could have all these 'high end' items. I pointed out to him that he did see a 50 inch Flat screen TV in my living room when he came over, and I have a nice home, since I am disabled I spend alot of time at home and thus do spend the money when I can. I have many credit cards and of course he pulled my credit, I am not behind on my car payment or credit cards, I have no criminal record, and I have not made any purchases on any credit card for a long time..
I don't beleive in getting stuff on credit!!! I pay cash. I became upset and told him that those items were all purchased CASH and no one saves receipts for months or years!!! He basically insinuated that my claim was a fake, but didnt come right out and say he was going to deny it.instead he kept insisiting I had to prove ownership of every single DVD movies, some of my kids tools, his playstation, some games, my camera (that was a gift from my other son) etc. He demanded that I call the places that I bought these items from and they had to have it in their computer. Well they dont!!!
I spend 3 hrs on the phone and since the items are purchased cash, I do not buy extended warranties and therefore DO NOT GIVE MY PERSONAL INFO to any clerk, so they can not track these purchases. Also some things were purchased thru an internet classifieds, or at Yard sales & walmart, etc. Who gets and keeps receipts for every single thing??? And who can show receipts for every single item in their home after 1 or 2 yrs???
I called my agent again to express my anger at this situation and also to complain about the 'insinuations " by Mr Wilmont against me and my character, and was brushed off, he couldnt help me.
Last time I spoke with Mr Chip Wilmont was last week, he was going to call the store himself, to help me. Yeah right, and would get back to me... Havent heard a word from him...
This is a minor claim, after my deductible, i think it adds to about 2500.00, and this is the treatment and the accusations State Farm is giving their insured!!!
I was told to file a complaint with the Insurance Commissinor and also to talk to a lawyer... I am already being screwed by State Farm, and the thief or thieves, now I have to pay an attorney to get MY INSURANCE company to pay a claim???
RIDICULOUS!!! Stay away, pay more with any other compnay but never do business with State Farm!!!
STAY AWAY FROM STATE FARM, LIKE A GOODNEIGHBOR, MY BUTT!!! They sure as heck will sell you a policy and take that money every month but dont expect service or any claim to be paid... AVOID STATE FARM!!! GO to any other company!!!
L
wenona, Illinois
U.S.A.
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