State Farm Homewoners Claim

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1/20/19

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You mean this January, or last year?

You're not providing many details, which would be helpful for us in answering.
Most everyone who has made a claim has had some type of issue in coverages

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You mean this January, or last year? You're not providing many details, which would be helpful for us in answering. Most everyone who has made a claim has had some type of issue in coverages

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Fixed this January.

Some of the details:
-pinhole leak while we were out of town
-significant damage to wood floors in dining room, den, entry hall
-significant damage to cabinets in kitchen and den
-ServiceMaster had 13 fans and 2 dehumidifiers on it for 8 days, when they took the fans away they were still detecting what they said was significant water levels in the walls and floor
-adjuster and ServiceMaster said cabinets needed to be ripped out back in January
-I rip up floor sample, send to the lab
-adjuster goes silent for two weeks, only responds to me when call my agent
-adjuster goes silent again refusing to answer calls, finally shows up again and forgot he had been there a month prior, says we need a floor sample, I remind him I did that and called him to confirm the week before he had received the report; hasn't done one minute of work on my claim
-new adjuster comes Monday, tries to get me to take a check that isn't paying for anything cabinet related except filling in the holes ServiceMaster drilled in the baseboard to try to dry out. I call him on it, pretends like the plan all along was to have the cabinet guy come the next day, cabinet guy has no clue what he is talking about
-cabinet guy is coming this afternoon or tomorrow to "determine repair or replace", been told from the get go it was replace, now they are crawfishing on that

That sucks the big one. Had made two claims with them in 40 years without any problems.

You might get a true building inspector to see what they say on your claim.

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-ServiceMaster had 13 fans and 2 dehumidifiers on it for 8 days, when they took the fans away they were still detecting what they said was significant water levels in the walls and floor

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This is what you use for the basis for cabinet replacement. When they didn't dry in 3 days, they should have been pulled to allow access to the wet material to allow everything dry within guidelines.

I had a hail damage claim last year. Lafayette LA no longer has a local State Farm claims office, claims are subbed out. I went thru three adjustors and plenty of involvement by my agent to get payment. That was after State Farm had already paid two of my neighbors for the same damage. Make your agent earn their commission.

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Lafayette LA no longer has a local State Farm claims office, claims are subbed out.

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FYI, this is 99% of the country for all insurance companies

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dry within guidelines.

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When you say within guidelines do you mean the IICRC Guidelines for Professional Water Damage Restoration?

That's what I found on the ServiceMaster website.

I'm doing my research and due diligence to find anything and everything I can that they have not conducted properly. It's been almost 10 years since I was working at a law firm, I haven't been in a real adversarial challenge in a while...kind of getting the juices flowing

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Collierville, TN

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Who's your agent?

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Who's your agent?

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Chip Hunter.

So you can put some pressure on SF and see if they are going to treat you decently, you can hire a public adjuster which will cost you 10% of the claim, most of them shoot for the stars and settle somewhere in the middle. Normally an attorney isn't a good way to go, most aren't versed and don't want to deal with homeowner's claims, there isn't much money in it for them. More than likely there is a provision for appraisal in your policy that you can use as a next step.

It would probably be in your best interest to see if SF handles it properly with a little pressure from you and the agent.