Like others I have had State Farm refuse to cover losses. I had insurance with them for more than five years. Auto, Home, Life insurance in all 8 policies. I had hail damage and reported it. First they assigned an adjuster in the wrong area and had to start over. Then I get an adjuster who said I had no damage other than three singles damaged. (more singles than that were on the ground). At first we dropped it until we noticed that EVERY neighbor around us were having their roofs replaced. I spoke to each of the who told me their insurance was replacing their roof for hail damage. My sister who lives one street over reported her roof and State Farm said no hail damage. I asked my agent why everyone around me had hail damage and I didn't. He said there must have been a hole in the hail storm that missed my house. The only thing in common with the houses that got their roof replaced? They did not have State Farm Insurance. One lady in our neighborhood did not know she had hail damage until she received a check from Farm Bureau Insurance, they told her since others they covered in the area had hail damage they had come and checked her roof on their own. (now that is good neighbor service).
My story doesn't end their, to protect me, my agent instead of resubmitting my claim (he told me it would make me look like I was trying to get paid for nothing) he sent out a roofer to check my roof. He called me later to say my roof was fine and had no damage at all. I was in the process of selling my house, so that is what I was concerned with and let it drop. The buyers were told a roofer said roof was fine and asked to speak with the roofer. I was happy to provide the information knowing he would tell them everything was fine. Imagine my surprise when I was informed by the buyers that the roofer told them not only was their major structural damage to my roof and leaks but that I had already been told about and was I lying to them. When I called my insurance agent he was not apologetic for being dishonest, he was to busy telling me about how much money he personally spent on repairs at this house. He asked me what I thought he could do, I suggested repairing the roof as he was paid to do. He said insurance did not pay for structural damage (there wasn't any just incompetent roofer) or leaks that had been let go. I pointed out that if State Farm had repaired the roof when first notified the leak would have been fixed. I canceled all my policies and moved them to Allstate.
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