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Started By
Message
Any homeowners insurance guys here?
Posted on 12/2/25 at 4:29 pm
Posted on 12/2/25 at 4:29 pm
State Farm just informed me that they aren’t going to insure us after all on this house we bought 2 months ago. They said our open foundation doesn’t meet their eligibility guidelines. Has anybody run into this issue? TIA.
11
Posted on 12/2/25 at 4:30 pm to tigersbh
Did you talk to your agent?
Posted on 12/2/25 at 4:35 pm to tigersbh
Yes I am and shame on that agent for not knowing his underwriting guidelines.
Is the house pier and beam and open? And by open I mean not covered with lattice
Is the house pier and beam and open? And by open I mean not covered with lattice
This post was edited on 12/2/25 at 4:37 pm
Posted on 12/2/25 at 4:41 pm to tigersbh
What's the "open" foundation look like
Posted on 12/2/25 at 4:42 pm to tigersbh
Well the good news is you now won't be insured by State Farm.
Do not get homeowners with State Farm or All State. They are awful.
Call Shelter, Farm Bureau, or USAA (if eligible). They have the best coverage. National General is another small company writing pretty decent policies as well.
Do not get homeowners with State Farm or All State. They are awful.
Call Shelter, Farm Bureau, or USAA (if eligible). They have the best coverage. National General is another small company writing pretty decent policies as well.
Posted on 12/2/25 at 4:44 pm to tigersbh
call my boy Kyle... 225-810-3522
Posted on 12/2/25 at 4:47 pm to iwyLSUiwy
quote:
National General is another small company writing pretty decent policies as well.
You’re just shitting on All State .. and recommended a company owned and very intertwined with All State.
This post was edited on 12/2/25 at 4:51 pm
Posted on 12/2/25 at 4:49 pm to DarkDrifter
quote:
Yes I am and shame on that agent for not knowing his underwriting guidelines. Is the house pier and beam and open? And by open I mean not covered with lattice
Pillar/Post/Pier
Open
Posted on 12/2/25 at 4:50 pm to UptownJoeBrown
quote:
Did you talk to your agent?
No, just got the letter.
Posted on 12/2/25 at 4:55 pm to tigersbh
quote:
Pillar/Post/Pier Open
Gotcha, yeah a lot of companies require homes is on piers under a certain height be enclosed in some form.
How high off the ground is the house? Under 3feet??
Posted on 12/2/25 at 4:55 pm to DarkDrifter
quote:
You’re just shitting on All State .. and recommended a company owned and very intertwined with All State.
That's fair. But they write separate policies with decent coverage and more importantly don't have Allstate staff adjusters.
Posted on 12/2/25 at 4:56 pm to tigersbh
Well I hope you talk to your agent and not just listen to the OT.
Posted on 12/2/25 at 5:03 pm to tigersbh
Agent here, not for State Farm, I'll be happy to look at it for you. Hit me up 225-325-7635.
Posted on 12/2/25 at 5:08 pm to DarkDrifter
quote:
How high off the ground is the house? Under 3feet??
Two feet at most
Posted on 12/2/25 at 5:14 pm to tigersbh
Two feet is not high at all. Weird they are canceling you for that.
Posted on 12/2/25 at 5:20 pm to tigersbh
quote:
Two feet at most
Yeah, most underwriting guidelines are gonna want that closed in with at very least lattice work.
I can tell you that SageSure will allow open foundations with most of their carriers we write for.
Posted on 12/2/25 at 5:23 pm to iwyLSUiwy
quote:
That's fair. But they write separate policies with decent coverage and more importantly don't have Allstate staff adjusters.
Over the past few years since there merger they’ve gotten closer and closer standards wise. Also once we get Nat Gen Premier (fingers crossed) they’ll be one in the same… taking all the best of the companies
Nat Gen also requires the Pier an beam house to be enclosed so that’s a no go for the OP unless he’s wanting to get it enclosed
Posted on 12/2/25 at 5:40 pm to DarkDrifter
quote:
Yeah, most underwriting guidelines are gonna want that closed in with at very least lattice work. I can tell you that SageSure will allow open foundations with most of their carriers we write for.
Thanks for the info!
Thanks to the rest of you too. I guess we can get a straight answer from the OT once in a while. lol
Posted on 12/2/25 at 5:54 pm to tigersbh
quote:
Thanks for the info!
Anytime.
If you need any other help shoot me an email @ dutchmcguire80@gmail. Not giving out my real info here
Posted on 12/2/25 at 6:06 pm to tigersbh
Give this guy a shot, he'll work with you.
Chuck J
225-436-0947
Chuck J
225-436-0947
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