Back to insurance complaintsJuly 31, 2013
Insurance Company: Farmers Insurance Group
Coverage Type: Homeowners Insurance
- Underwriting - Nonreneweal
- PolicyHolder Service - Inadequate Service
- PolicyHolder Service - Unfair Negotiation
- Claim Handling - Rude/Abusive Adjuster
- Claim Handling - Denial of Claim
- General - I feel abused by this company
Placed a claim for my roof due to wind damage and there were shingles all over the ground. Adjuster said we didn't have enough damage to even cover our deductible. That same evening another wind storm occurred and many more shingles all over the ground. I called Farmers to try to add this to the claim but was told that it had to be a new claim. The next adjuster said we didn't have enough damage to cover the deductible once again. A few months later one of the worse wind storms in the area occurred and put in another claim. Once again denied. We were finally able to get them to send an "independent" adjuster to inspect the roof. We have since found out that this "independent" adjuster had worked with Farmers and was an instructor for them. We were denied our request to see this report and were told that it was Farmer's property. We got nowhere with them. According to them we did not have enough damage to even cover our $1500 deductible but when it came time to renew our policy, they would not renew due to the condition of the roof. This makes no sense. I was devastated and concerned that we would not be able to insure our home. Did find a better company. You would think that arbitration would have been the better alternative for them but it wasn't. We decided to file a claim in district court and do it pro se, which is quite an ordeal. Their attorney is dragging the situation out, which is more money for their firm. He asked what we would take to settle;feels the amount is too much and we have no idea if he presented this information to the insurance company because he does not feel the need to contact us. Have no idea what the outcome of this will be. We were customers of Farmers for over 20 years and this is how we were treated. A pretrial conference is in the very near future. Have no idea what will happen at that. What a nightmare.
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August 27, 2013 at 8:49 PM
First things first do you have your own experts for your side of the fight like a Public Adjuster they are legaly only allowed to work for you not the insurance company. Second you should hire an attorney they need to bring suit under Bad faith Claim handling if for nothing else.