Vince
Carmichael,#2Consumer Suggestion
Sun, January 17, 2010
You have a contract (in this case it is called a policy) with State Farm. In most areas you have some extra protection due to the requirement that the insurance company deal in good faith. Read your policy carefully and follow the requirements for making a claim in the policy. Ignore anything State Farm tells you, the policy is the governing document and State Farm is totally bound by it. You have claimed (and must redo your claim in a written Proof-Of-Loss statement) that the computer hardware was functional. If State Farm believes otherwise, they need to prove it. You may need to sue State Farm (lawsuits are needed when one party to a contract refuses to perform their duties under the contract) and if you do sue, also sue for dealing in bad faith if allowed in your state. Some insurance adjusters have appointed themselves God and make arbitrary judgements without evidence of any kind. Chances are good that your adjuster will be collecting unemployment in the near future when State Farm gets slapped with a suit.