Monday, March 06, 2017

Tornado

Our home was hit by a Tornado on October 30, 2015 and we still have not settled with them. Our contractor and engineer maintain it is racked and out of plum because of the storm damage and state farm engineer says it was built this way. Two story log home.

We hired an attorney the Merlin firm another mistake. We were asking for policy limits but they are going to only pay about 1/3 and the attorney gets 30%

I am ruined.

Rick (Last name withheld)

Saturday, November 12, 2016

Bad Insurance, Worse Agent

OMG. First of all my agent retired the summer of 2015 while I was on the road with my boyfriend a trucker. I was given to Eli Sauceda. Nothing but trouble since day one.
I asked to have the contents portion of my home removed and it was never done. Never. What they did do was jack the value of contents to $48,000. Seriously!? So what they did do was lower the value of the home which I had way too high to begin with and jacked up the contents to compensate. I always called to get the payment amount because I was on the road and every month it was different. Or they didn’t know and would call me “right back”. Which never happened.
I looked online and because they where constantly changing my policy the amount due was never correct. So I’d either over pay or not pay enough and get threatened to be dropped. Handling my business from an 18 Wheeler is no easy task so I rode with it bitching every step of the way. I tried to get down to see this clown in Victoria TX but life and work got in the way.
Finally, I was like screw this and called another agent to switch over. Eli called me and was nothing but rude, arrogant and just a jerk. He said “I’m sure Ms. Woods we are not the first business you’ve had difficulties with”. So what are you saying? I replied “UM, yes Eli, yes you are. Your service has been a nightmare since day one and thank God I finally wised up and dropped YOU”.
I just went online to see what new payment was with corrected contents value. I almost died. It’s half of what I was paying him. No wonder he was doing what he did. I can’t wait to call headquarters tomorrow. He was straight ripping me off, lying about the changes haven’t been done because the under writers where 2 months behind (I bought that) and what ever lie he could come up with.
I have been over paying on a policy he devised for almost a freaking year. At the cost of $86 a month for a grand total of $1,032.00. I’ve no idea what his cut was, I’m just glad I’m not a part of his scam anymore.

Ellen Woods

Mom gets wrecked

Hi,
My mother at the time of her accident was 74 years young. She was pulling out from the grocery store parking lot and a driver (from another country, while attempting to operate his cell phone), ran directly head on into her.
She was subsequently taken to the hospital and after numerous tests was released.
She continued having chronic neck and shoulder pain and after numerous bouts of conservative treatments, she finally had shoulder surgery (a very ugly and painful procedure)!
In order to shorten the story and get to the bottom line.
Mothers underinsured motorist coverage was recruited for paying her by way of legal counsel.
Note, her responsibility for out of pocket medical costs all inclusive was around 16K. Meanwhile her underinsured contract policy limit was 50K. Keep in mind her attorney contractual fee was 40% of her recovery amount!
State Farm literally abused my mother! Putting her through answering interrogatories, depositions, and ultimately a trial!
State farms only defense was that mother is older and suffers from Arthritic pain and degenerative joint disease. Meanwhile, prior to this collision mother had not received and treatments on any parts of her body by Pt's, MD's, or DC's! And most certainly had never received ANY surgical intervention in either shoulder!
In closing, these auto Insurance companies, especially State Farm, are COMPLETE RIP OFFS!
They maintain their high archly management ALL making Hugh 7 and 6 figure yearly salaries, with OUR money through premiums and when you NEED them, they simply flush you, by way of negating your claim with their retained defense counsel! There is no other word to describe the current auto insurance ethics, better than "criminal"!
Until we people stand up and support one another, the auto insurance companies will continue to abuse we the public! People simply have no compassion nor does the average Joe understand how destructive an auto accident is to the human physiology, most people NEVER truly recover!

Tuesday, September 06, 2016

Truck Tragedy

My brother Travis has had SF for years. He was hit by someone with SF
at the 1st of June 2016. The person who hit him was fully at fault.
Travis's SF agent Kirk knows that he has Parkinsons and had to retire
because stress at work was causing him physical harm. Kirk told Travis
he would take care of him so he did not get a lawyer. He was told by
SF that he would get enough to buy a replacement truck because his was
going to be considered totaled. He has a 93 dodge diesel club cab. The
right side was damaged not the motor or transmission. The truck was
drivable and still a work horse. SF had sent him a letter offering
$4500. He said he need more, SF said that they needed to pick it up
and bring it to an adjuster to be able to give him more. So he said ok
they said next week sometime they would pick it up. He has Parkinson's
so he some days he moves slow and others slower.  2 days later a tow
truck was at his yard. He thought that they would be getting him a
check for a replacement truck. He likes the older trucks because he
understands them. A 93 dodge truck that runs without known problems
sells for $8000 and if it is in great shape $15,000 and up. If the
truck needs a transmission or has death wobble, which means it needs
all new front end stabilizer parts you can find them for $4000 to
$5000.  SF picked up his truck on Friday July 29th. August 1 he called
to see when they were going to bring back his truck and they said they
would not give it back to him. Then SF called him and said they would
only give him $3800 because it was dirty and had a bad paint job.
After a week of SF stressing him I called on his behalf and SF said
they could not talk to me because he had not authorized me. He had to
talk to them several times before they allowed me to help him. When I
talked to Sheryl said we have his truck what are you going to do. She
is using their possession of his drivable truck as a negotiation if he
wants any $ he should take what she is offering. She was happy that
they had him without his reliable transportation. The fact that the
only truck he could find that ran without issues was a step down, reg
cab and cost  $7000. In my book a good deal for SF. He had to get a
$6000 loan to pay for it because he did not have full amount. The
longer SF drags it out the more interest that someone has to pay and
it should not be him. We have done told SF that he wants to buy back
his truck but they do not want to give it back to him. According to OK
law SF is suppose to pay for rental from when they took his truck but
they do not think they should. SF hoped that leaving him stranded
would break him down They do not even want to pay for what it cost to
buy a working dodge diesel. SF wants to see how much $ they can make a
victim be out. SF has caused him so much stress that he has froze up
more times last week then the months of March, April and May. SF logo
should be State Farms helping hands here to take you out.

Thursday, February 04, 2016

Vacation nightmare

This is one of the instances where State Farm Insurance deceived us and nearly cost us our home. Actually their deceit WILL cost us our home if we can't come up with nearly $10.000.

I was married in December of 2014 to my beautiful wife who is from Indonesia and knows little about living in The U.S....Well thanks to State Farm Insurance Company she now knows how corrupt an American company can be. We began our marriage in a small apartment that neither of us really liked and I being her husband made a promise to her that we would soon have our dream apartment...at least as dreamy as could be with our extremely modest income. All my wife asked for was something nice near the train station where she catches a train every day for her long commute to her workplace, and her own washer and dryer. Well I found the perfect place and we soon moved into our new home.

We enjoyed a quiet apartment with everything we wanted and were both extremely happy. We bought our bedroom set as well as a dining set and sofa to furnish our new apartment. The renters who were extremely nice required that we buy renters insurance to cover any accidents or damage that may occur. I called my State Farm agent and gave him the EXACT requirements that were listed on the lease which included coverage for our personal property as well as liability for any damages that may occur from accidents or accidental negligence that might cause damage to our apartment. Sounded like a good precaution and worthwhile protection for my wife and I as well as the landlords.

My State Farm agent blindly set up the policy and in his usual non-friendly attitude informed me that the policy was now active. Now we could move in. Skipping to December of 2015 my wife and I enjoyed our first Christmas in our new place and life couldn't be any better. We had a party with all our friends to show our new apartment....we were very proud. At the end of December my wife had planned to go visit her family in Palm Springs  CA and she fought to get me to accompany her even though my budget didn't really include such a trip. But she was my wife and it was her family so I figured I had to go. Little did I know that that decision would start the nightmare that ensued.

Our trip was awesome and I was so glad that I went and the trip home from Cali to our northeast location was a little depressing. But it had been a crazy warm winter here with temperatures being up in the sixties and even seventy near the day that we had left home. Well cutting to the chase, we arrived home on Jan 9th to hear a hissing coming from our main bedroom. As I entered the room I was horrified to see water pouring from the ceiling and flooding our beautiful new home. The landlords quickly had a plumber there who stopped the leak, but major damage had been done. It seems that somehow the heat had gone off and the pipe had frozen and burst. This whole situation is still under scrutiny so I cannot say how the heat had gotten turned off but it was not me...that I knew for sure. That saying the landlord made the assumption that the heat had been turned off and that is why the pipe burst.

Well the apartment was trashed. The entire bedroom had to be gutted and the carpet and floor replaced in three rooms. The whole thing took a few weeks and it turned our stomachs to see the damage every day. The men who did the repairs were awesome and did an incredible job in less time then I thought possible considering they had to completely rebuild the one bedroom. Well as all this was being done my wife and I were in turmoil as to who was going to pay for all of this but it was safe to say that either the landlords insurance or ours would pay the bill. Well the DAY AFTER the repairs were finished we were sent an invoice from the landlords for almost $9000 to be paid immediately because the damage had been caused by someone turning off the heat and the pipes freezing.

Well part one of our nightmare had been answered so I quickly called my State Farm Claims Department to file a claim on the damage that had been done. Well they put me through to my claims agent who proceeded to tell me this: OUR APARTMENT WAS NOT...I REPEAT NOT COVERED BY OUR RENTERS INSURANCE. IT SEEMS THAT THE POLICY ONLY COVERED OTHER PEOPLES DAMAGE TO SAY ANOTHER APARTMENT THAT WATER MAY HAVE LEAKED INTO BUT DID NOT COVER ANY DAMAGE TO OUR OWN APARTMENT. I ALMOST THREW UP HEARING THIS. AND HE DELIVERED THIS MESSAGE TO ME AS COLDLY AS YOU COULD IMAGINE.

So here is what he was telling me. If I had say left a heater on in my room and it burned up my apartment and two others than they would pay to fix the other two apartments but I would be stuck rebuilding my own apartment!!!! If a storm had come and flooded my apartment than I would not be covered because flood insurance is separate from renters insurance. So if my renters insurance won't fix my apartment than the question is WHAT INSURANCE WOULD.....AND I'LL TELL YOU. ANOTHER COMPANY WOULD COVER YOU. That is why our landlord had us buy renters insurance and that is why they immediately send invoices also to my insurance company... State Farm.

So as it stands no one is going to pay for my apartment and I do NOT have the money to pay it. My wife and I are scared to death of losing our beautiful apartment because of STATE FARMS in my opinion NEGLIGENT insurance coverage and lack of informing me when the policy was bought of this disgraceful policy loophole that my now cause me my home.

I have to finish saying that everything I have said is my own opinion and that's so these State Farm VERMIN don't try to sue me for slander or something. I have left the comment boxes on these pages so you could please voice your opinion and if you have any sense of judgement DO NOT BUY FROM STATE FARM!!!!!!! Do it for me and my beautiful wife and for me and for everyone else who has been burned by their insurance company, especially STATE FARM!

Wednesday, August 08, 2012


I have had State Farm Insurance for my home, auto, boat, renter, and life insurance for over thirty years. I have been fortunate enough to be able to live in the state of Alabama for most of those years and other than an occasional checkup left it up to my agents to take care of my insurance and advise me of any concerns they may have had regarding my coverage.

I have two sons age 20 and 18. They both started driving when they reached 16 years old and my wife and I have been fortunate enough with employment that allowed us to be able to afford to buy them both good used cars and maintain insurance on those vehicles as well as our own vehicles.

In 2010 I was laid off from my job at the Boeing Company in Alabama and was forced out into the job market. I was unemployed for several months but eventually was able to find work but the pay was less than what I was receiving at Boeing. To make a long story short, I changed employers three times trying to get back to the same level of pay that I had. My last change required me to relocate to South Carolina and we made the move in January this year. We are pretty much settled into our new lives here and things are going well.

We received a letter from State Farm a few weeks ago and they said that we would have to transfer our insurance to an agent in SC by September 8 or we would be dropped. I started looking on the web for a new local agent. The first agent I contacted took down my information over the phone and said that he would get it all worked out for us and may contact me for any additional information he needed to complete the transfer.

After a week or so, we received another letter from State Farm threatening to drop our insurance. At that time my wife and I decided that she would stop in the agents office and check on the status of the transfer. She later told me that the person she spoke to in the agents office did not have a clue as to what she was asking about and she became frustrated from trying to get information about our insurance. She left the office and called me and told me about her experience. I then decided that we would try another agent in the area.

So I made a call to another agent and explained our situation to her. She initially had the same personable attitude and came across as you would expect from someone you wanted to take your business to. After initiating the transfer she called me the day after and said that she had some documents to sign and she would fax those to me. She then stated that I should just sign them and fax them back. I agreed and asked her a few questions about my four auto policies and if there would be any change in the cost. I figured there may be differences changing to another state. She then replied that my insurance cost would increase over $150/month. I asked  why there was such a price difference and she stated that youthful drivers was costlier in SC. After hearing that I spoke to my wife and explained to her that our insurance would be costing us quite a bit more for the boys to drive and discussed ways that we could adjust our budget to cover the additional expense. The agent also required $450 dollars to initiate the transfer so I gave her my debit card over the phone.

A while later I received the emails with the documentation she had sent and started looking it over before signing it. Within that documentation she had added a coverage for each policy for underinsured motorist. Each policy had an increase of $40 dollars for this coverage. She had already answered yes to the question asking if I wanted to accept or reject this coverage. I then started researching this coverage and discovered that it was not required in the state and I had never had the coverage in Alabama. I then called the agent and asked about the coverage at which time she stated that she assumed that I wanted it due to the fact that many of her existing customers carried it. I then told her that she should have asked me if I wanted any additional coverage especially when I had asked about the significant cost increase.

She then became very offensive. She also stated that there was nothing she could do now that she had submitted my documents into the system and we would have to wait until the new policies went into effect, about a week, before we could make any changes. I had not even signed the document stating that I wanted the extra coverage.

Needless to say, I am very upset that this happened. Later that afternoon I called the original agent we had contacted and explained to him what I had experienced and he told me that he had all of our documentation worked out and our monthly payment would be approximately $300, which is what I was paying back in Alabama. I then mentioned then mentioned the underinsured coverage that the other agent had added to our policies and that had contributed to some of the cost. He then stated that he had also included that same coverage in the quote he had given me and he would have to remove it and update the quote to reflect the difference in cost.

Well, I am finding it hard to believe that both of these agents use the same tactic to add unnecessary coverage to a customer policy before discussing it with them. Very deceitful in my book. That is no different to me than shoplifting. It’s not a crime unless you get caught. Now I am upset with sort of behavior and just want to know how many have they done this to and got away with it…..

Thanks for listening,

Glenn

Wednesday, February 01, 2012

Robert Blackmon writes:

My 80 year old mother has had State Farm home/fire insurance for 18 years. For each year with State Farm, her insurance premium has increased by 2% (compounded) for inflation. Needless to say, her home is completely overinsured, (for replacement cost of double what they really are) and their comment when we called to investigate, was that "when you sign the check, you're agreeing to the charges. It's up to you as a customer to call us on these practices, otherwise, buyer beware". There's supposed to be a courtesy call by an agent to discuss the premium, but my mother does not recall any calls, nor does the company have an agent on record for my mom's insurance.

Monday, January 30, 2012

Rob, I, George E. Nixon, filed my insurance complaint against the State Farm Insurance Company w/ State Farm, the Georgia Insurance Commissioner and the Better Business Bureau. I canceled all of insurance policies with them effective 5 October 2006. I had been insured with State Farm since 1986. I had insured my three automobiles and my two Mortgage-free houses. I had my first complaint filed with my local state farm agent in January 2000. My Mother had passed away on 14 January 1999, and I had filed with the local State Farm Agent the necessary papers to update my policies (I delivered a certified copy of her death certificate, a copy of her probated will (I am the Executor), a copy of the deed at 810 East Boundary, Augusta, GA, the property my mother and I had purchased together in March of 1958.


In January of 2001, the State Farm Agency sent to the 810 East Boundary address, a threatening notice to my deceased Mother to come into their office about the property insurance. My tenant at 810 East Boundary, Ms. Teresa Moore, gave me the letter. This was the first incident; I went to the State Farm Agent's office, tearfully questioning, why would they try sending such a letter to my deceased Mother, the policies are in my name and they knew my mother is deceased. As Landlord, since August 2000, I have rented this property under the HUD Section 8 program. I thought everything was all ironed out. The State Farm Agent, Preston Thomas then apologized for the incident (I have always paid the insurance policies in person). Before her death, my Mother became blind in 1997 and later was on kidney dialysis; all of the insurance policies had been in my name. My mother and I had had purchase this property in March of 1958.


A second incident occurred, sending yet another notice for my deceased mother to come into the office. I went calmly to the office to talk with Mr. Preston Thomas. He stated that that's the way the policy was written and he couldn't change it. Gathering my composure, I stated to Mr. Thomas that from now on, I will only pay my portion of this so called two-party policy – George E. Nixon & Clara E. Nixon. Believe it or not, a 'light bulb' went off in his dim-witted head and he had the refund check rewritten in my name so I could cash it. All was forgiven and I continued being a State Farm customer. Preston Thomas retired; then along came this new agent, Don Brandenburg.


In 2003, I had overpaid the State Farm insurance premium on the 810 East Boundary property and they sent me a multiple party refund check, including my name George Nixon, my brother’s name, Thomas Nixon, and my brother-in-law’s name, George Turner. Financial institutions in the State of Georgia do not honor multiple party checks. I had brought this information to the attention of the State Farm Agent, Don Brandenburg. He indicated he did not know I owned the property. I had brought all pertinent documents (copies of the deed, my mother’s death certificate to him) on at least three occasions. He indicated there was nothing he could do; and he thought I didn’t own the property. He indicted he would need me to bring him a copy of the deed again. Well, needless to say I was insulted, yet again.



Another item, over the years on several occasions, I had been noticing on my insurance renewal billing, the policies deductibles dropping, thereby causing an increase in my premium payments. Sometimes, I would catch these incidents late, reported it to their office and they would correct the policy premium payments. In August of a certain year, after a policy increase jumped up on my old family car, I told State Farm that I would be leaving and cancelling my policies with them. I happened to call MetLife and a former State Farm employee assisted me. She guided me and explained the unknown intricate habits of State Farm and how the writings in their policies could be misleading. She demonstrated how much more superior and factual MetLife policies were. I signed with MetLife and canceled my State Farm policies.


State Farm sent refunds checks for each of my policies; however, they again sent me a multiple-party refund check for the rental property, 810 East Boundary, Augusta, GA. Once, again, I cannot cash multiple-party check at any local bank; and neither could State Farm, in any instance, prosecute such a multiple-party fire damage claim that would have been filed to State Farm Fire Insurance Area on the rental property.


Let me explain clearly here, the 810 East Boundary, property is where the State Farm property incidents kept coming up. My mother and I purchased that property in March of 1958 and the mortgage was paid it off in 1997. Since my mother passing on 14 January 1999; in her Will, I am designated Executor of her estate, the Will was probated by the Superior Court Judge, and this process was attended by me and my attorney. Days after that and processing her Will with my attorney and filing papers at the court house, is when I took all of the necessary paperwork to State Farm.


Yet another item here, I have been HUD certified as a public housing property manager since 1979. My property rental lease at 810 East Boundary has been with my tenant, Ms Moore, since August 2000; and it has always been a one-landlord-party lease (me as landlord and property owner) and Ms Teresa Moore, as Tenant. The local HUD agency has recognized that in their Section 8 Program. Now, I am very suspicious that the Fire Insurance Service Area of State Farm Mutual Company (which sends the non-cashable multiple party check pay-outs) maintains non-prosecutable/executable fire policies on rental property home-owners. No claims of any kind to the multiple party insured can be paid nor refund checks cashed. Mr. Brandenburg unsuccessful attempted to explain to me that I needed to bring the evidence of property ownership again to his office. THREE OR MORE TIMES IS ENOUGH!!! This is harassment! They (State Farm) got that information from me; plus its public record stuff! I gave State Farm copies of my mother's death certificate, a copy of her probated the will, a copy of the property deed – They, State Farm Fire Insurance Area, if being of sound business principles, would have never created and accepted such a policy they could not thoroughly execute in the first place. If the policy was out of context and claim considerations could not be affected, why would they have drawn/written it up???


If I didn't own the property, would the local Housing Authority, a HUD agency, have accepted my property into the HUD Section 8 Program? I didn't need to waste another minute with State Farm and I have told my relatives to leave them alone - get away, drop this fraudulent or ignorant company!


Now, I had requested the Georgia Insurance Commissioner, launch an investigation, the external quality type, to look into their ) be launched into the policy prosecuting procedures of the State Farm Fire Insurance Area, where and when their fire policies are written for rental property owners who own outright, their rental properties.


The final and most important request is that State Farm is to send me an cashable insurance refund check (Single Party, me only, George E. Nixon- the only one they have known and the only one that have ever sent them insurance premium payments for this property). I have no idea where their stupidity comes from.



Regards,



George E. Nixon

[Phone numbers withheld to protect privacy}


PS. Rob, if this website is a scam for ripping off, ripped off persons, then welcome to my world of taking these types of scammers down!!!