chris's complaint:
December 16, 2012

Insurance Company: State Farm Insurance
Coverage Type: Homeowners Insurance

• Claim Handling - Rude/Abusive Adjuster
• Claim Handling - Fraud
• Claim Handling - Denial of Claim
• Marketing & Sales - Misleading Advertising
• Marketing & Sales - Misrepresentation
• General - I feel abused by this company

On June 29,2012 my 27 year old medical student son came to my home. He commited suicide with a gun on my bed as I walk in my front door from being with my mother. I immediately called police who tried to comfort me as I call family. They said State Farm any other insurance companies would handle all clean up repair cost from there experience. State Farm responded with shocking news several days later. They said my deductible had jump from $500 to now $8,400. In the near Ten years that they have insured my home I had only one hurricane claim for $1,200 dollars from a neighbors tree branch daamging my roof . They immediately paid that claim. The case field agent visited my home to view damage and was upset the cleaning crew missed cleaning blood and brain matter without tearing up the carpets immediately. He called them back and noted the bullet damaged my headboard, carpet,mattress, and covered items like lamps, walls, nightstand and small items removed from my home. That field agent said Mr. Davis we will cover all this and you go by yourself a mattress to sleep on and the hotel cost for inital nights away due to blood cleaning solutions being overwhelming to me.He fax me replacement forms and listed where my replacement carpet and bedroom furniture should come from. I did all he asked of me at horrible time in my life. Then Ms Barbara Minnick claims rep took over rude from the start.She said ignore all promises not made by her nothing would be covered. State Farm never justified the about face or super high deductible or when it changed from $500. Damages estimates approach $25.000 and Ms Minnick and her supervisor refuse to pay one cent and said forget there field agent gave me forms and instruction to start repairs with out of pocket cost from me. Forget the police , cleaning crew and field agent told me me these things where traditionally covered by all homeowner insurance companies. Yesterday State Farm formally said case close nothing to be paid , explained further , or higher deductibles justified. I have never dealt with a more cold blooded group of rude dishonest people geared to finding ways out of claims as a goal. They say do things then say forget what they said new rules apply and no help provided please go away essentially. I am a single parent that reared my two kids alone since 6 and 8 years old alone. To suffer losing my son this way practically in front of me has left me still dazed. State Farm are horrible people I would never recommend to anyone.

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