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State Farm Homeowners

Old 05-13-2013, 02:03 PM
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Default State Farm Homeowners

I know we all have our tales of homeowners insurance, so here's mine.
About two weeks ago, I had occasion to go up in my detached garage's attic. There I found three split rafters, one of which was completely separated from the roof. During Sandy, some six months prior, I found a maple limb on the roof, but no hole, so I didn't bother checking further at that time.

Called State Farm, who has insured me for over 40 years. Claims guy asks a ton of questions. I get local contractor to estimate roof repair. SF sends an adjustor to look it all over. He finds a ton of little things extra. Like gutter, fallen oak tree removal (even though some friends did it) hauling stuff away, he asked if the power was out and would I estimate lost food, he saw a hole in the driveway caused by the tree, and more.

I got a check today for almost twice what the roof estimate was. If I didn't have the contractor's estimate, I probably would have gotten more.

So, I guess I'll stick with State Farm.
Old 05-13-2013, 02:05 PM
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The next thing you will get in the mail will be a payment increase!!!
Old 05-13-2013, 02:10 PM
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No doubt your rates are going up, and up, and up, and up, etc. You will more than repay that claim. And if you decide to switch insurances, it WILL follow you and the new rate will be higher as well. Sorry for the news.
Old 05-13-2013, 02:13 PM
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Originally Posted by D.M.D. View Post
No doubt your rates are going up, and up, and up, and up, etc. You will more than repay that claim. And if you decide to switch insurances, it WILL follow you and the new rate will be higher as well. Sorry for the news.
Perhaps. I'll report back next year. They didn't raise my auto rate three years ago after the admiral totaled the VW, though.
But, after Sandy, it's more likely that EVERYONE'S rates will rise.
Old 05-13-2013, 02:27 PM
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I had SF on my cars for ~35 years, on my house for 20 some-odd and they just royally pissed me off a few years ago. Also bought a new house 4 years ago and got competitive quotes. SF was ~20% higher. Killed the SF commercial policy on my truck several years ago, still have it on wife's and son's cars but changed on homeowners too.
Old 05-13-2013, 03:32 PM
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Every claim that I've ever had with State Farm (business, personal & auto) has been handled above and beyond my expectations. They have extremely good service and when it comes time to pay out, they don't nickle and dime you or look for reasons to get out of paying. When I have a tree laying in my pool, the last thing I want is some bottom dollar insurance company trying to explain that the tree should have been trimmed better so it's a "pre-existing maintanence related incident" that doesn't qualify........
Old 05-13-2013, 03:42 PM
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state farm has been nothing but good to me for 20 years of home ownership and i cant imagine not being able to call them when i need them
Old 05-13-2013, 06:08 PM
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We've had State farm for our home for over thirty years and had them for our cars for over 20 years. We have had both good and bad relationships with them. The good was before we moved to South Carolina. The bad was since we have moved to South Carolina. I wonder if good vs. bad relationships has more to do with your local agent than the main company itself?
Old 05-13-2013, 06:19 PM
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SF was great for us (three houses). Then they started to suck. We are done with them.
Old 05-13-2013, 06:25 PM
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Don't be surprised if SF pulls out of the NE coast after Sandy. I had them for 35 yrs. in FL and after their losses from the 2005 storms they left the state. What a racket.
Old 05-13-2013, 06:37 PM
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Everything I own is with State Farm.........great company.
Old 05-13-2013, 07:15 PM
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I've been with State Farm for decades. Never had any claims. My agent is excellent.

I did have to get rid of them for my boat though, they were not even in the same ballpark. I went with Proressive but have since found out who owns them and will not be re-newing. Found my new boat insurance people on Frying Pan and will be switching when my year is up.
Old 05-14-2013, 03:59 AM
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Originally Posted by Contractor View Post
Everything I own is with State Farm.........great company.
Same here..20 + years!


Originally Posted by baypro21 View Post
I've been with State Farm for decades. Never had any claims. My agent is excellent.

I did have to get rid of them for my boat though, they were not even in the same ballpark. I went with Proressive but have since found out who owns them and will not be re-newing. Found my new boat insurance people on Frying Pan and will be switching when my year is up.
Just read who heads them up, thanks.
What is this Frying Pan you speak of?
Old 05-14-2013, 04:19 AM
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Originally Posted by psychocuda View Post
Don't be surprised if SF pulls out of the NE coast after Sandy. I had them for 35 yrs. in FL and after their losses from the 2005 storms they left the state. What a racket.
X2 yep, after Dennis and Ivan we had to look for another company. No more SF for us.
Old 05-14-2013, 07:44 AM
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Originally Posted by psychocuda View Post
Don't be surprised if SF pulls out of the NE coast after Sandy. I had them for 35 yrs. in FL and after their losses from the 2005 storms they left the state. What a racket.
its state by state
their business is risk management
i would not describe that as a "racket"

they are still in LA after katrina/rita/gustav/etc

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