ED's complaint:
May 23, 2013

Insurance Company: State Farm Insurance
Coverage Type: Homeowners Insurance

• Underwriting - Refusal to Insure
• Underwriting - Nonreneweal
• PolicyHolder Service - Inadequate Service
• PolicyHolder Service - Incompetent Employees
• PolicyHolder Service - Delays/No Response
• PolicyHolder Service - Denied Access to Services
• PolicyHolder Service - Abusive Service
• PolicyHolder Service - Inadequate Reimbursement
• PolicyHolder Service - Unfair Negotiation
• Claim Handling - Rude/Abusive Adjuster
• Claim Handling - Delays upon Delays
• Claim Handling - Unsatisfactory Settlement/Offer
• Claim Handling - Fraud
• Claim Handling - Denial of Claim
• Claim Handling - Unjustified Accusations
• General - I feel abused by this company

A water damage claim for a pipe bursting was called "caused by a dripping pipe," the claim was denied and the mold coverage was ignored. My refund for cancelling rental insurance was held, "just in case you got future ins. with us..." My spouse had a minor fender bender and it was placed under my name as having the accident, a person not on my Deed was placed on my homeowner's insurance, an accident clearly caused by a driver running a stop sign was claimed 10% my fault and 90% theirs until I asked to speak to every supervisor they had, I was treated by two claim reps so rudely and one had every excuse not to transfer me to his supervisor. On another water damage claim, it took 3 weeks for the agent to come out and look at. I was told I was not contacted because they had the wrong claim number listed. I was also told that we would be put up for the weekend and that's it. When the plumber needed an extra day, I was told we were not getting it. I told him we were not going back to a home with no water. He said "I didn't know you didn't have water, yet the claim was for my main pipe corroding and we were in the house for those 3 weeks unable to wash clothes or dishes. I was accused of skipping out of the hotel we were put in without paying my deductible, when I was calling the agent from my hotel room. My room key was deactivated and we couldn't leave the room until it got straightened out--4am in the morning when I finally went down to the front desk and asked that I get another key activated. It took a solid hour for us to check out while we were in our coats and my child in a wheelchair.

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