State Farm Insurance
State Farm NOT good neighbors

To Whom It May Concern,

My family and I suffered a total home loss thru fire on March 28. Since then the process with my insurance company has been nothing but difficult and constant struggling for builder to obtain payments for the coverage within my policy as well as content values and coverage. 1. Preferred builder has history of buying substandard materials, verified with local supply companies. 2. Preferred builder was wrong in estimated cost of building permits. 3. Preferred builder did not make clear actual labor cost incurred. 4. Preferred builder missing fireplace replacement in Family room from bid. 5. Preferred builder said foundation of home was good, could be used. Provided insurance company photos showing foundation damaged, as well as documentation from township foundation could not be used. Took four months to resolve argument as Insurance Company refused to acknowledge foundation damaged. Township also required elevated foundation due to rising water tables in the township areas. 6. Preferred builder said garage was good to use. Township inspector said it was not had to be demolished and rebuilt.insurance company refuses to pay cost to rebuild only repair. Even after the garage collapsed during builder trying to stabilize Garage walls for demolition of home. Township also required foundation of garage to be replaced. 7. Township requires higher roof pitch than preferred builder estimated cost for as well as Michigan snow load requirements. 8. Township requires ground and main wiring to septic system be dug up and rewired to new code. Preferred builder did not include cost with estimate9. Township requires child safe electrical outlets in home, preferred builder did not allow cost increase for outlets. 10. Insurance company depreciated personal items not replaceable and policy states on page 12 that they will pay market value less depreciation. The exception to depreciation is for non replaceable items in which they will pay market value NO depreciation for “antiques, fine arts, paintings, statuary, and similar articles by which their inherent nature cannot be replaced with new articles and “articles whose age or history contribute substantially to their value but not limited to memorabilia, souvenirs and collector’s items;” These items depreciated pertain to family photos, athletic trophies, some painting and special family items that cannot be replaced yet Insurance company depreciated up to 80% on knowing full well I cannot replace my sons 6 month baby picture and said items. 11. On page 4 policies stated “we do cover property of roomers, boarders, and other residents related to an insured” yet did not cover personal property of my live in fiancé who is my son’s father. 12. Depreciation levels not consistent. Example oil paintings depreciated various percentages. 13. When I explained to adjuster Damien with last conversation, that all these little differences gave example of permit cost difference add up and code and state requirements add up it meets the policy rider for “additional building”, he stated “differences with builder of my choice and upgrades are my responsibility they only requirement for State Farm is to “rebuild my home for the cheapest cost” to them. 14. Multiple delays in reimbursement for additional living expenses, and continual disagreements over actual expenses incurred. I am rather disturbed that it seems State Farms biggest concern is to save money and pay lowest cost possible to rebuild my home, not necessarily concerned with State and Township requirements and zoning issues.

Sincerely,

Amber Wiese269-325-4192

Company: State Farm Insurance
Country: USA

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