State Farm

Joel N

4 months ago

I am extremely disappointed with my experience with this insurance company, especially during a time when insurance is supposed to step in and provide support. When you faithfully pay your premiums, you expect to be treated with fairness, respect, and a genuine willingness to help when you actually need coverage. Unfortunately, that was not my experience at all. From the moment I reached out for assistance, I was treated less like a valued, long-term customer and more like someone who had failed to meet their obligations, despite the fact that our insurance payments have always been made. Instead of receiving guidance, clarity, or reassurance, we were met with unnecessary resistance, poor communication, and a lack of empathy during a stressful situation. Insurance exists to provide peace of mind and protection in difficult moments. This company fell far short of that purpose. Rather than acting like a reliable partner or a “good neighbor,” they made an already challenging situation significantly more frustrating. The process felt adversarial instead of supportive, as though their primary goal was to avoid helping rather than to honor the coverage we pay for. The lack of accountability and compassion was especially troubling. We were left feeling unheard and undervalued, with little explanation and no meaningful effort to resolve concerns in a timely or reasonable manner. This is not the level of service anyone should expect from an insurance provider that promotes trust and reliability. Overall, this experience has seriously damaged my confidence in this company. Insurance should provide support when it matters most, not add stress or make customers feel as though they are asking for something they are not entitled to. I would strongly caution others to carefully consider their options and expectations before choosing this provider.

Lucio Garcia

10 months ago

After several attempts to dispute a claim against me. State Farm does not have a dispute process for claims against their own clients. I have to pay extra policy charges because they thought it was necessary to hold me responsible for an accident that was not at all my fault. The fact is the person that hit me was responsible for the damage to their car and the car in front of me and mine. And injury’s on the person in front of me was her fault for not wearing seat belt, sitting extremely close up to her steering wheel. She didn’t even have her baby in a car seat and sitting in the front seat at that. Companies in this country are ridiculous and unreasonable just like the legal system. Pathetic.

B CM

10 months ago

On July 16 2025 I noticed a small discolored area on the drywall above an interior door. I asked a contractor to look at it, and when he felt the area he said it appeared to be damp. He suggested cutting the ceiling sheetrock to investigate, and when he did we found the area between the lower and upper levels of the house to be wet, with excessive moisture and the presence of a “suspicious growth”. Due to its relative containment, my contractor said that it appeared that this issue had only recently happened and that the damage could almost certainly be repaired. The fact that there was only a single location of discoloration from the moisture on the living side of the home also pointed to a recent occurrence of the problem. My agent called Spangler Restoration for an inspection. They quickly assessed the situation as excessive condensation from the metal HVAC ductwork. The combination of the excessive heat and humidity following Tropical Storm Chantal nine days earlier, and the higher efficiency of our recently installed heat pump, resulted in the ducts “sweating” excessively, causing much of the insulation to literally fall off of the ductwork, exposing it completely to the hot and damp air and thus causing the condensation we discovered. My assigned adjuster (we'll call him John Smith) informed me that an additional inspection would need to be performed. When I asked why, since one had already been performed by a licensed Restoration company that was chosen, sent for, and paid by a State Farm representative, he said that “State Farm Corporate is a separate company from the local representatives”, and would require their own assessment. (He actually used these words.) The technician arrived Tuesday July 29 concurred that that water damage was caused by sweating ductwork, a phenomenon he said he sees “all the time during summer in North Carolina”. In spite of the fact that three restoration professionals all agreed that the issue was a recent event, my claim has been denied, twice. In the first denial notice, Smith said that the damage was the fault of my HVAC installer, because he had not inspected the ductwork before installation, and he referenced a portion of the NC Mechanical Code to bolster his claim. I pointed out that Smith must not have read it in its entirety, since it clearly states that inspection is not required in crawlspace or ceiling cavity areas. Mr. Smith's response deserves to be quoted, as it’s almost as absurd as his misreading of the mechanical code. He begins by admitting not critically reading his own reference: “I apologize for missing that fact. It does seem the condensation was occurring in the ceiling cavity and not the attic space. Regardless of the area where the the condensating [sic] ducting is located this would still not be a covered loss due to the fact that it has been occurring over a period of months dating back to last year. This can [be] evidenced by concentric dark water stains in the ceiling cavity, rust on the ducting, and microbial growth.” While I cannot speak to the “concentric circles” (nor can I see them), his reference to “microbial growth” is particularly ridiculous: at this point State Farm had let this situation languish for nearly 2 weeks during one of the hottest and high-humidity events on record: of course there’s microbial growth. Nor do I see any rust on the ductwork, though the presence of rust on 60 year old ducts wrapped with insulation in a ceiling cavity would be unsurprising and proves nothing. And even if there was any evidence of the damage he quotes, how he could equate its source to “dating back to last year” defies logic. How, I ask, did he arrive at “last year”? When Smith's first excuse to deny coverage failed because he hadn’t done his homework, he simply and clumsily dredged up another on the spot. State Farm’s woefully incompetent and devious adjustors have performed abominably throughout this entire process and should be severely sanctioned, if not dismissed outright.

Dan Kearon

a year ago

I was an Allstate customer for 25 years for home and auto. My rates went up a lot for home so I shopped State Farm and switched a few months ago. My wife backed out of the driveway and hit the door of a parked vehicle a few weeks later. It was a $2800 claim with no damage to our vehicle. Our first at fault claim in over 25 years. Full disclosure, my wife was hit by someone 3.5 years ago by someone who blew a stop sign. Police report provided full details of fault by the other driver. One at fault claim for $2800. And one other no fault claim in 25 years. Also, a FICO score of about 800 for both of us. After signing up with allstate and going through the the annoying but necessary process they immediately terminated our policy citing the accident within 59 days of the new policy. Local agent was very nice and apologetic stating he has had never seen anything like it. With me and on speaker phone he called underwriting to protest and they denied him. He repeatedly said he has never seen this. I do not recommend State Farm under any circumstances. Shop a smaller company. I feel they’ve reached a point like many large organizations where strict policy outweighs common sense. They don’t give a crap about you. I understand all businesses need to make a profit. Just beware the leadership of some large companies like this one stop caring about their reputation anymore in the way they treat people. I got a great deal with a smaller company who seems also to have great service. Don’t want to name them to corrupt this review.

Hotfudge

a year ago

@ State Farm has agents that verbally abuse their customers and speak to them as if they are trash. I’m not sure if State Farm insurance are doing checks on the people they let sell their insurance anymore, but PLEASE STAY AWAY FROM KYLE ENGELBRECHT OFFICE IN ILLINOIS. Very unprofessional. @ State Farm we the consumers deserve better!! You have lost a 20 plus year customer, great job