Complaint Review: State Farm

They were quick to get my business but, when it comes to claims, it's all about denying them for profit. I have had three different roofing companies out to my home to check for hail damage after a hail storm occurred. 90% of the homes in my neighborhood have received new roofs or in the process of getting new roofs. We have ten hail hits per square on over 50% of the roof. All three roofing companies stated that I had hail damage and completed a report along with pictures where you can clearly see the hail damage.

State Farm had an independent contractor who is an "adjuster" for State Farm to come out to my home. He pulled up in a family minivan with a ladder strapped to the top of it. I received a call immediately after he got off the roof, stating, "you do not have hail damage." I asked for a second inspection and was denied the same day by the same independent contractor/adjuster after I submitted the inspection report and pictures as required by State Farm. Next, I asked for arbitration and there has been no response from the contractor/adjuster or my insurance agent.

I have now sent several emails and made calls, hoping to get an answer from an actual State Farm employee. I've had insurance with State Farm for over six years with no claims, and when I have damage and file a claim, they are not willing to do the right thing. I've paid my insurance premiums on time, and I have to fight to get State Farm to do the right thing. I also found out that my deductible was raised from 1,000.00 to 2,600.00 without my knowledge or any notice. My next step is to hire an attorney if I am unable to get a response regarding arbitration.