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State Farm Insurance / Nonpayment of claim

1 4644 Dodge StreetOmaha, NE, United States Review updated:

On August 24th, 2009 my home was broken into while I was in bed trying to sleep. I heard the loud sound of shattering glass. As I was alone and without any weapons, I patiently and quietly waited in bed for the robber to leave the house so I could then escape or go get the cellphone that I had left in my dining room earlier that evening. After ransacking my home for over 20 minutes, I heard the robber open my front door. This is when I decided to escape the house using the back door. In the process of my escape, the robber saw me, appeared stunned that I was in the house and quickly began throwing my belongings into trash cans and a recycle bin which he later took to my vehicle which was also stolen. I then ran out the back door, my dog in one arm and grabbed an ax that the intruder had left on my dining room table in the other for protection and ran several blocks to an all night gas station to call police. Keep in mind that I was barefoot and wearing only underwear at the time. The police responded immediately, however by the time they got to my house the intruder had left and taken my vehicle as well (he had my keys).

In the claim process, I found out that what I was told was a "replacement cost" policy really was not. The policy only covered the depreciated value of the items stolen and they would only pay the difference between the depreciated cost and the replacement cost at a later date when I had used my own money to replace everything.

State Farm then sent my claim to a special investigations unit, where weeks turned into months and State Farm did nothing at all- never updated me on the status of the claim, told me that I was being investigated for fraud, etc. I had given over 4 hours of taped sworn testimony to them and they contacted me for yet another "examination under oath" where they demanded copies of my tax returns, credit card statements, loans and savings accounts. State Farm also contacted a man who I used to be in a relationship with who had given me a black hills gold ring (approx value $ 120.00) eleven years earlier. They told him where I was living and this began the harassment I am now suffering at his hands. At the end of our relationship, he had been convicted of domestic assault and I had a protection order against him. I now will have to file for yet another protection order and he is aware of where I live. I am going to refuse to give State Farm my financial records, as they are not in any way related to the robbery claim, but am certain that this will be classified as "failure to cooperate" and my claim will ultimately be denied.

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Comments

  • Cs
      10th of Jan, 2010
    0 Votes

    My home (and 2 neighbors) got flooded due to negligence on the part of a property owner. He admitted that I called him many times over the years regarding this problem, yet did nothing. I have been dealing with a claim with State Farm since Oct 2009 and after 2 months was told they needed "experts" to examine the problem. What does correction of the problem have to do with liability, gross negligence, non-compliance of county codes and nuisance law? I don't know, but have asked the State Farm agent on multiple occasions and still do not get an answer. I guess they're trying to find a way to deny the claim!

  • St
      24th of Feb, 2014
    0 Votes

    We lost our home to fire and theft in Aug. 2013. Having State Farm Ins., and reading all of the negative comments made me very nervous. We had just lost everything we owned, & had worked for our entire life. But we lived in a small town, and we had neighbors lying saying my husband & I were getting divorced. If that wasn't bad enough our local town police & fire department were acting as if we burned our own home down because of the neighbors, but what was so stupid about all of it was that we were out of town celebrating our wedding anniversary at the time! Luckily the state came out, and investigated & cleared us after that and State Farms investigation process we were cleared. I won't say it was easy because I cried ALOT, it took over 6 months. But State Farm was good to our family in the end, and they paid our claims.
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