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Message
How bad was State Farm the last few years
Posted on 9/19/23 at 11:40 am
Posted on 9/19/23 at 11:40 am
I bought a new insurance policy quickly when I bought my house a few months back. I needed to satisfy the credit union(mortgage lender) so just got what "my guy could sell me at the time". I ended up with a company called Cajun Underwriters, which makes me nervous just due to the name. Also there's not much info on this company online, so I don't know what kind of shite show I'll be dealing with if I need insurance. I have a life policy with State Farm and they called about the address change, and she tried to sell me when she called. I have a quote and it's a little more than Cajun, but the cars are cheaper than progressive so it's a wash.
I've heard some of you guys complaining about SF. How bad was it, and are those incidents isolated? Anyone with good stories about SF recently? Does anyone have Cajun that could tell me about their service? I have this gut feeling that someone started this Cajun outfit when no one was selling homeowners and when we get whacked they'll fold up like a lawn chair.
I've heard some of you guys complaining about SF. How bad was it, and are those incidents isolated? Anyone with good stories about SF recently? Does anyone have Cajun that could tell me about their service? I have this gut feeling that someone started this Cajun outfit when no one was selling homeowners and when we get whacked they'll fold up like a lawn chair.
20
Posted on 9/19/23 at 11:42 am to Gee Grenouille
quote:
when we get whacked they'll fold up like a lawn chair.
yup, have fun waiting out liquidation.
Posted on 9/19/23 at 11:43 am to Gee Grenouille
I had to jump through hoops to get Cajun to issue a landlord policy for me. Hoops cleared but they still cancelled my policy within 30 days and I am STILL fighting to get my refund check which just mysteriously got lost in the mail.
Posted on 9/19/23 at 11:43 am to Gee Grenouille
If the cost to bundle is a wash, best to go with State Farm. Worst thing would be for disaster to strike and the insurance company you originally had going under or impossible to get your claim processed and you’d have to go the legal route. Doesn’t mean that couldn’t happen with State Farm, but a larger firm is less likely to happen. Just my two cents
Posted on 9/19/23 at 11:47 am to Gee Grenouille
Are you sure State Farm writes HO Insurance in your zip code?
Posted on 9/19/23 at 11:52 am to Gee Grenouille
quote:your agent got the plug on fresh 16/20 and fat female blue crab Baw?
ended up with a company called Cajun Underwriters
Posted on 9/19/23 at 11:53 am to Gee Grenouille
State Farm has been issuing 75% of settlement checks on homeowners claims, and telling policy holders they’ll get the remaining 25% when they show proof that the repair work was done satifactorily.
It’s not State Farm’s business what anybody does with the money. People pay for insurance policies, not a conscience or a babysitter.
This post was edited on 9/19/23 at 11:55 am
Posted on 9/19/23 at 11:56 am to Gee Grenouille
State Farm is a legit company but they have definitely slid in quality over the last ten years or so, especially the last few years. Worst thing to have ever happened to State Farm is Ed Rust retiring because they went to shite fast after.
One of my customers is an independent property adjuster and used to work for State Farm before going independent. He said he quit working for them because he was getting penalized for approving too much and that they had started actively pushing him to not pay on obvious stuff. He got fed up and left.
That tells me everything I need to know.
One of my customers is an independent property adjuster and used to work for State Farm before going independent. He said he quit working for them because he was getting penalized for approving too much and that they had started actively pushing him to not pay on obvious stuff. He got fed up and left.
That tells me everything I need to know.
This post was edited on 9/19/23 at 11:57 am
Posted on 9/19/23 at 11:59 am to Gee Grenouille
State Farm when to shite when they changed Jake from State Farm to a black guy
Posted on 9/19/23 at 12:32 pm to Gee Grenouille
quote:
Cajun Underwriters, which makes me nervous
Is Cajun the actual insurance carrier that issues the policy (doubtful), or are they just reselling Progressive, Travelers, etc? I can't even remember the name of the middleman that "issues" my car insurance, but all they do is shop the policy between big carriers at renewal.
I have lunch with four State Farm agents that own at least once office a piece every two weeks. Half of them spent a month in Europe this summer on the company dime, families included. Yet, these skilled, tenured agents spent over a year trying to get a neighbor's (his insured) roof replaced due to wind/hail damage.
Posted on 9/19/23 at 12:39 pm to Gee Grenouille
I'm a GC and deal with homeowners insurance every day. You could not pay me to have State Farm or Allstate homeowners. They are the absolute worst. They screw their policy holders over all day every day. We are fighting with them constantly to get them to pay for what the homeowner is owed. It didn't used to be that way with State Farm but they have fallen off a cliff and deserve a class action lawsuit against them.
I learned really quickly that Shelter or Farm Bureau are who i needed to be with. For the most part they have good adjusters and actually do right by their homeowners. They might be a little more expensive but well worth.
I learned really quickly that Shelter or Farm Bureau are who i needed to be with. For the most part they have good adjusters and actually do right by their homeowners. They might be a little more expensive but well worth.
Posted on 9/19/23 at 12:52 pm to Gee Grenouille
My State Farm agent called me to review my policy about a year ago. Went in and found out they had me down for $200,000 content coverage. I was like WTF. He said they take a percentage of the value of your home and determine content coverage. I told him to reduce down to $50K which is still more than enough. You have to watch these guys. Still paying way too much for home insurance.
Posted on 9/19/23 at 2:02 pm to Gee Grenouille
quote:
I have a quote and it's a little more than Cajun
Before you make the move based purely on price, you better take the time to do a line-by-line comparison to make sure you don't have any major differences. In my limited experience, it is very common for SF to quote higher deductibles than other carriers to reduce the customer's premium and make the pricing comparable.
Posted on 9/19/23 at 2:30 pm to Gee Grenouille
Farm Bureau baw
Posted on 9/19/23 at 7:28 pm to Gee Grenouille
Bastards just went up on my car insurance $78 a month.
Posted on 9/20/23 at 9:03 am to Gee Grenouille
frick State Farm.
When their racist asses replaced White "Jake" with a black one.
The real Jake needs to file charges for identity theft.
When their racist asses replaced White "Jake" with a black one.
The real Jake needs to file charges for identity theft.
Posted on 9/20/23 at 9:07 am to Gee Grenouille
I guess I’m a lucky one. I’ve had two major claims with them and they paid out quick and no issues. Plus I ran a red light and hit a truck. They paid gif their damage plus med bills plus totaled my car with just cosmetic damage. I actuss as lol made money by fixing less than estimate called for and I’m still covered. I thought for sure I would be dropped.
Posted on 9/20/23 at 10:10 am to Gee Grenouille
State Farm is the worst insurer in the market to its insureds. You’ll get treated like shite in your most important times of need.
Posted on 9/20/23 at 10:55 pm to Gee Grenouille
The reality is State Farm is among the best in the industry, despite what the folks in this thread are saying.
Here’s an unbiased report on homeowners insurance claims satisfaction…
LINK (JD Power ranking)
Here’s an unbiased report on homeowners insurance claims satisfaction…
LINK (JD Power ranking)
Posted on 9/21/23 at 6:57 am to Gee Grenouille
They're not the company they were before. I never thought I'd sue my insurer but did with regard to two homes where they grossly underpaid the claims. I have settled one claim and the second is pending. Ridiculous that the claims process has devolved to this point. I think they underpaid with the anticipation many would not pursue legal action. I had to convince my family members to file suit. Had to actually demonstrate the extent of underpayment before they would agree to do so. In both instances State Farm paid about 35-40% of the actual cost of repair. In the future, if they do not change their claims practices, I will not hesitate to immediately pursue legal action.
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