Joan's complaint:
October 11, 2013

Insurance Company: Farmers Insurance Group
Coverage Type: Homeowners Insurance

• PolicyHolder Service - Incompetent Employees
• PolicyHolder Service - Inadequate Reimbursement
• PolicyHolder Service - Unfair Negotiation
• Claim Handling - Unsatisfactory Settlement/Offer
• Claim Handling - Denial of Claim
• Marketing & Sales - Misrepresentation
• General - I feel abused by this company

During a storm one of my trees in the yard fell over. I contacted Farmers Insurance and was notified they'd give me X amount of dollars for tree removal and the shed it hit. I was informed it would be in two checks. The tree service talked with the agent and the two decided I would recieve the check within a few days. The tree service came and cut the tree and cleaned the mess as I waited for the mail. The check didn't come and hasn't come each day told I should be getting it. The insurance agent informed me after the tree service was paid, the tree service would send a copy of payment recieved and the other check to cover the shed would be sent. I have not recieved a check. I called the agent and was informed that I had to replace the shed by a contractor who would build a wooden shed, ( I had a steel siding shed in the first place). Then I would pay him and get a check for what Farmers thought it was worth. I have a written statement of what the damage was and what they promised to pay. I have used farmers for 45 years. I've never had a claim with them and am so disappointed. I have no money to get any type of shed lest they give me the check to buy it. They also said that I needed to prove that's where the money would go to. Is this not what I've paid a premium each month for? Do I owe them that information? Very dissatisfied.

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