Complaint Review: State Farm Insurance - Homeowner & Flood Insurance

Wednesday, November 4, 2009 at 12:49am, BOTH of my Macbooks were stolen from my patio along with a box of 10 seagate 10,000rpm hard drives. I am a computer consultant and I often have cases of parts laying around my house. The laptops were a gift from my dead uncle who was my business partner and mentor. His wife, (my aunt) paid someone to pack up an entire room full of computers and peripherals and ship them to my residence in Ozark, Missouri (where I lived at the time I recieved the items). When I reported the claim to State Farm I had already filed a police report with the Scottsdale police dept (where the items were stolen at my new residence). The adjuster told me that I either needed a receipt or some reasonable proof that I posessed the laptops and drives. I gave her my aunt's phone number so she could get her information. She called my aunt a couple of days before the 1st anniversary of his death and gave her the 3rd degree treatment. She told them that the items were sent to me along with many,many more items as well AND she gave the adjuster the phone number of the shipping people who delivered the items. The adjuster then proceeded to call the people who shipped the items and they verified that they were delivered to me and they were in my posession. At the time of the theft I had left the house to go and make my car payment and forgot them on the patio. The adjuster INSISTED on calling my car loan company to verify I was there and that my story added up. The car loan people provided verification of the time and verified that I was there when I said I was there. Next, without warning, the next day an adjuster showed up at my house early in the morning with a camera. I have 3 teenage daughters in the house in their pyjamas and wasn't particularly thrilled about the intrusion but allowed him in with the camera and he proceeded to take pictures of my entire house (not just my patio where the theft occurred). He finished his pictures and left. I told the adjuster if she needed any more verification my wife and 3 daughters would sign a statement that we owned the items and used them. The next day the adjuster for State Farm left me a voice mail saying that they refused to pay because I cannot prove the laptops and hard drives were functional at the time of the theft. Awful, terrible people to deal with here in Scottsdale. I feel this is downright criminal fraud on their part. I now have none of the property and nothing to show for paying my State Farm premium. Never will I give them a dollar in my lifetime again.