Complaint Review: STATE FARM MUTUAL INSURANCE - Bloomington Illinois

Your story is missing some details, so please clarify: Was your husband's death caused by the fire in Feb. 2005  or had he already passed at the time of the fire?  If he was deceased, was State Farm notified within a timely manner of his passing PRIOR to the fire ?  and if so, did the homeowners policy reflect that the home was owned by the estate and when was the insurance company informed of his passing?

I ask this because you are quick to blame State Farm for not upholding their contract. however, according to THEIR CONTRACT, they're promise is with the named insured. It sounds from the long, rambling complaint above that not only were you not the named insured, you possibly were not even his legal wife, and thereby had no ownership in the house, and thereby no right to the coverge. state farm was obligated to the estate. and until the estate attorney informed State Farm of their intention to rebuild the home or take a settlement, you did not have authority to demand them to rebuild the home.

Had you secured competent legal help, and informed ALL PARTIES of what was going on, things may have turned out very differently. i'm very sad to read that you were unable to get intelligent, solid and practical advice on how to deal with the tragic situation of being left without a home for your children.   i have been a state farm policyholder for almost 30 years and have seen the company go above and beyond many times, including watching my agent help neighbors nail on plastic sheeting to their roofs and coordinate ice delivery --not just to clients, but to anyone who needed it after a hurricane.  i am sorry that you choose to be so vocal online, yet refuse to take responsibility to secure a safe home while your children grieved the loss of their father. there are certainly many holes in your story. 

i never did understand your claim that an email was sent to the public with your children's names. emails are to specific people. how is that public?  

i too had a total loss from a house fire and thank god no one was in the house at the time, but let me tell you a little story about the insurance adjuster who handled our case. my house burnt to the ground and had a total loss of everything and when the insurance adjuster came out with the fire inspector to figure out how the fire started, the two were off in the corner whispering to each other and when i came up to them to ask if they have found anything the insurance adjuster told me to leave them alone and they were on my effing property, i thought this was out of the ordinary so i left and a few days later our neighbors found us at a gas station in town and told us the insurance adjuster was trying to bribe our neighbors and the fire inspector to tell the police that it was started intentionally, so we got a lawyer after we heard this. That week that we heard of this incident our adjuster was on a vacation and would not be available for a couple of weeks.

Well when the 90 days went passed for the check to be in our hand our insurance adjuster was no where to be found so we made a police report and a few days later we had the FBI at our door taking over the case and about a week and a half after the FBI got involved they caught the guy with our insurance checks in Spokane Washington on his way to British Columbia to move out of the country, and needless to say we went to court we won our insurance settlement and some but because of agreements with the case I can not say who the insurance company was but I can say they were based out of Michigan.

So to rebuttle this comment about the person not believing the woman's story just think about it for a minute people are always looking for free money and ways to get out of paying. I think all insurance companies are scam artists so for now on we go on to rip off report to see if there are any reports on the companies that we will be dealing with.

I am soooo sorry to hear about all the crises you and your children have been through recently. My heart goes out to you.  Losing your home personal property and business because of a unpaid insurance claim is a unnecessary double whammy during the already stressful time of losing a family member.  Sounds like they really stuck it to you.  i really hope your family is well on it's way to recovering emotionaly and financialy. 
 
I have had trouble getting an insurance company (its not State Farm) to pay on a significant claim that has put me and my three young girls in financial straits. We lost our home in Hurricane Katrina, have no family to help and are still staying with some very generous and loving folks from our new church community. We just can't seem to get aheda and years later we still live out of suitcases and boxes.  In the grand scheme of things its not such a huge amount of money to a big insurance company but it is to us and would make a huge difference.  I haven't had the nerve to make a report here about what happened to us yet.
 
I was wondering what the status is with your claim on this loss and if there is any chance you might still be reimbursed by the insurance company? Have you been able to get some semblence of your life back?

I guess I'm looking for some hope that it is possible to win in this situation and stop struggling.I sure hope so. I feel like I keep fighting for what is mine but am denied at every turn.  Big busineses always seem to win over us "lil people".
 
Hugs to you and I'll be keeping your family in my prayers

where it appears at 'Consumer Comment #26'.

I have read your numerous reports filed on this site.  The problem I have is that they all contain the same information.  You have stated that the information is public record, but I cannot find anything additional.  I have found the newspaper article from the fire, but nothing else.  I tried to look up the court records, but had no luck.  To be honest it's shooting in the dark since I do not know what the venue is. 

I have visited you website, but to be honest it's very amatuerish.  I'm not trying to be insulting.  I'm intrigued by your story, and I'd like to know all the facts before I make any judgement about who I believe.  If you've truly been wronged, you'd have no problem with sharing the venue or index number from the suit. 

Thank you for you're time.

I have to agree with the above comment; I don't believe your story.  If your husband passed away, I am sorry, but I cannot believe what you wrote.  How an ex-FBI agent/Insurance Salesman somehow spreads rumors to your neighbors?  And, making you feel like you killed someone?

The Insurance Commissioner in your state in the BEST and sometimes ONLY way to fight against unfair insurance practices.  Their ONLY job is to work for you, and try to beat the insurance companies any way they can. 

Your story just has too much holes, and way too many unbelievable aspects.  Honestly, this sounds like someone trying to get other people to complain (like the; I hate to say STUPID) commenter above.  Some people will buy your story, and that's what it is, a story, but most of us will catch on to the smell of bull.

First let me say that I am sorry for the loss of your husband. Am not clear from your report whether that was due to the fire or not.
 
Second let me say that your account of the handling of your claim sounds SO Unbelievable that I do not believe it.  It seems to me that there is way more to this story than what has been told.
 
Third, and most importantly, I would have to wonder, Why in ALL of this, you simply did not pick up the telephone and call your States Insurance Commissioners Office.  I mean, didn't at SOME point through ALL of this "common sense" EVER prevail?  Where were ANY of your "friends" that NO ONE suggested this option to you?  I can certainly understand that you were going through an extremely emotional and traumatic time and that early on it didn't occur to you to contact your Insurance Commissioner but certainly a friend would have thought to suggest it.
 
You managed to set up web sites and set up an account to post this complaint on this website but NEVER contacted the ONE Entity that could ACTUALLY HELP you!!  Why is that?  Sorry, I am just not buying your story, but, as I said, I am sorry for your loss.

Best of luck to you and your children.

I sincerely hope you and your daughters are doing well now, having hired a competent, caring attorney that effectively used the law to force Snake Farm to pay you for your material losses.  Most of all, I grieve with you for the loss of your husband.  I can't imagine raising my two daughters without mine.  We've been insured by Snake Farm for over 20 years, but after reading your story to my husband, he's promised to choose one of the companies, who's quotes I've given him the over the past month, within the next 7 days and transfer all our insurance policies away from the company known to be the 4th WORST INSURANCE COMPANY in the U.S.  Snake Farm routinely rakes in over $60 BILLION in revenue each and every year, yet the way they treated their insureds in the aftermath of Hurricane Katrina was beyond despicable.  It sounds as if it was all routine to them.