Complaint Review: Farmer Insurance

Salt Lake City, UT.. It had been snowing for the last couple of weeks and then the sun appeared and the snow began to melt. My mother roof had began to leak so she contacted a roofer, they informed her that her roof needs replacing.

A couple days go by and then on Wednesday of last week, swoosh, the ceiling in her bedroom collapses as did the hall closet and front porch, and water went everywhere. The bedroom furniture was covered, the bed and matress, along with other items. She called Farmers Insurance and thay stated that they couldn't get a claims examiner out to look at the problem until today, 7 days...to get a claim rep out there because they didn't have anyone in the state. For a week, my mother was out of a place to sleep for an entire week, riduculous.

8 days later, the claims rep shows up, in a Farmers car, with Utah license plates. Anyway, she spent 4 hours looking around the house at floor level, she didn;t even get up in the attic to observe the damage, it was to dangerous, she said. After all said and done this is what Farmers Insance told us.

1. They wouldn't cover the roof because it was too old. duh
2. They wouldn't cover the ceiling damage because the leak was caused by an ice block. That is when snow melts and then refreezes causing the water to back up under the shingles. Horsehockey, isn't that why we pay for homeowners insurance.
3. They would however cover the bedding on the bed but wouldn't cover the matress or boxsprings because they were used. Isn't that why we buy a matree and boxsprings, to use them.
4. She also spent more time taking notes on possible, what ifs and what could becaome an issue, and stated that they would not cover any of these items if they were to fail.

To all in an hears shout, It is my opinion that Farmers is to be the biggest RIPOFF of all the insurance companies, with State Farm being a close second. It is also my opinion that these insurance companies need to rake in all these premiums and deny claims to pay for there fancy cars and incompetent people.

Shawn
Salt Lake City, Utah
U.S.A.