Boycott Farmers Insurance? You Decide ...

33 Responses to “Boycott Farmers Insurance?”

July 20th, 2011 at 1:22 pm #admin

Its appalling …

Ever since the “George Bush” US Supreme Court, in the property damage case Campbell vs State Farm in 2003, ruled that punitive damages could not exceed 3 times the actual damages, insurance companies have run rough shod over policy holders, openly violating unfair claims practices laws and snubbing their noses at the few government insurance regulators who decline insurer’s campaign money.

So plainiff’s attorneys rarely take these cases anymore. And it will continue that way for years to come, until and IF less “business friendly” judges get nominated to the Supreme Court by this and future presidents.

What the public fails to understand is that it can cost hundreds of thousands of dollars, in expenses alone (forget the attorney fees!), to sue an insurance company in your local court for damages over small claim court limits.

In spite of the USA recession and the greatest natural disasters in USA history, the insurance industry has raked in record profits since 2003. And what we need is Federal insurance regulation laws. 50 different states with 50 sets of statutes and case law has been a colossal waste of duplicated time, money and heartache for consumers. The only beneficiary to “states rights” here are insurers and the so called government regulators taking insurer’s campaign money and all expense paid “convention” trips to Las Vegas.

Ok, I’ve said my piece and stuck my neck out. How about we get this discussion going, on both sides … 🙂
July 25th, 2011 at 10:33 pm #KE KE

I let my friend use my car. He have license and he wrack my car a total it . My insurance farmers denied my claim. Also I just found out he had insurance thru liberty mutal.And the will not take my claim either what to do U just wait to get my downpayment for another car that all!!
July 26th, 2011 at 12:41 pm #admin

KeKe,
You are a perfect example of what this page is about.

Obviously English is not your native language. I cannot understand all your comments. The point of this “Boycott Farmers” page is that Farmers Insurance is the kind of low quality insurance company that would deny your claim based on JUST ONE WORD without perfect grammar.

Get their denial in writing. And it must give SPECIFIC reasons, not general reasons. Until your English improves dramatically, don’t be too proud to ask them to provide and pay for an interpreter. If they refuse, get your own interpreter.
July 26th, 2011 at 1:11 pm #admin

And KeKe, consider switching to a QUALITY auto insurer, like Nationwide Insurance (see our Recommended Insurers page), and cancelling your Farmers Insurance.
August 12th, 2011 at 12:00 pm #jenni

An Asian myself, I remember when I was still in high school, my brother “borrowed’ my car to get something from the store when I was sleeping. I had insurance with State Farm Ins. at that time. My brother had an accident on his way home. I turned in a claim to my insurance and they had an adjustor come out the next day. State Farm adjustor looked at my car and issued me a check right there, I didn’t even get a chance to have a bodyshop look at it. I had to shop 3 bodyshops before someone agreed to fix it for that price plus my $500 outpocket. I called my insurance agent and was told I was luck the adjustor agreed to pay even that much because my brother wasn’t insured with them. I just moved to America at that time and didn’t know what to say. Next thing I know, I received a certified letter from State Farm ask me to sign a waiver; If I continue to live at the same address with my brother, they will cancell my policy. I had 2 weeks to show them my or my brother’s new address. I moved out to live with my sister.
August 24th, 2011 at 9:59 pm #Hopeless In San Diego

Nothing Farmers does would surprise me. I have had my own issues with their linguistic trickery and dilatory claims practices.

I wanted to ask if anyone can tell me what the reference codes are at the bottom of the Dec Page. I understand part of it is the policy form, edition, Policy number; however, I need to understand what the remaining numbers mean. A sample is listed below….

Policy Form Edition (?) Policy Number Date Mailed ( ? )
56-5344 4th 3-05 895400-00-22 5-14-08 C5236411

These questionable numbers are unique to the declaration page. I believe the sample 3-05 would reflect the last policy change or perhaps the renewal date, I am not sure. I would appreciate any information anyone may have.
August 25th, 2011 at 7:06 pm #Craigster

I have had Farmer’s since moving into our new home eight years ago. Never filed a claim until recently. Major wind/rain storm early morning in May 2011 and hailstorm appx. 11:45pm same day. Called claims center, it was 10 days before adjuster came and gave me the biggest run around….My roofer had me call them back out and they refused…

Just a word of advice: NEVER USE FARMER’S INSURANCE…YOU WILL GET SCREWED WHEN YOU REALLY NEED HELP!!!!!
October 5th, 2011 at 4:49 pm #admin

Dear website visitors,

Most of our questions and answers for October 3rd and 4th were lost as a result of a malware attack on our website. In addition, some of our pages were “redirected” to malware websites. We have now incorporated stronger security measures.

While we have no proof as to the original source of the hackers, suffice to say that this website had never experienced hacking problems until shortly after we posted the page “BOYCOTT FARMERS INSURANCE?” which exposed criminal acts by Farmer’s CEO and their Los Angeles based attorney Richard O Knapp.
October 5th, 2011 at 8:41 pm #aNYmouSE

HA – Imagine that! A corporate giant committing criminal acts and then behaving as cowardly street thugs!!
No you have no proof, however you really need none. Of course that is what happened. Not to make light of your site being hacked, the criminal acts of these companies not only devastate individuals, they have a major impact upon our entire economy.
Let’s see – there is currently a march/protest on Wall Street which has spread to protests in other cities across America, because of the crimes committed by Wall Street, which no one has been held accountable for. I have joined the protest in my city. Tomorrow I will suggest to my group that the protest be extended to include insurance companies, banks and of course our ‘representatives’ in Washington. These types of cowardly acts only happen because they can.
To anyone paying attention; until an insurance company has ruined your life, (which happens to individuals every day) you will never understand (or perhaps even believe) not only the immense greed that drives their criminal behavior, but also EVERY claimant is a potential victim.
October 7th, 2011 at 6:13 pm #admin

Anymouse,

Well said. Our generation doesn’t doesn’t understand what drove this country to anti-trust laws and others to Communism at the turn of the last century. I fear it will be up to the younger generation, like the Wall Street protesters, to turn this ship around. it sucks that the younger generation will be paying for government retirees earning 90% of tbheir take home salary. And it sucks that bankruptcy law allows companies like United Airlines and General Motors to completely wipe out their stock holders who entrusted those companies with their nest egg retirement money and to not even repay their initial investment while they return to profitability and issue free stock to its employees valued at $35/share (United Airlines) the day after it’s loyal stockholders saw their now devalued penny a share stock get eliminated by a Chicago bankruptcy judge, who probably has a nice fat numbered bank account in Grand Cayman.
December 1st, 2011 at 11:42 pm #admin

Want to see and hear a former Farmers Insurance Claims Supervisor confess to accepting bonuses for using computer programs that automatically cut 20% from insurance claims??? Here it is http://www.youtube.com/watch?v=A4roo153q9I .

Boycott Farmers Insurance and their unscrupulous fraudulent law breaking lawyers like Richard O. Knapp??? You decide.
December 1st, 2011 at 11:53 pm #admin

May as well check out this website built by former Farmers Insurance Group employees http://www.farmersinsurancegroupsucks.com/

Let us know if and where Farmers is still using this slogan “Farmers Gets You Back Where You Belong”.
May 22nd, 2012 at 7:07 pm #Florence

I have a claim now with Farmers for a total loss on a house fire and they have dragged their feet on every aspect of my claim and short changed me many thousands on out of house expenses and took over a year to pay what they did. They have with held rebuilding money and still are sitting on money! They also made it practically impossible to get content money. Now since they have dragged their feet it has taken me nearly 3 years and they say they are closing my claim even if I am not back in my home and also not going to pay the remained of the money unless I can get the out side areas done which I can’t do till in the house. Does anyone know if they can do that?
May 29th, 2012 at 9:59 pm #Moderator1

Florence,

What state are you in? You may consider using a good public adjuster.

With most policies and states, you are only required to give “notice of intent to rebuild” within 180 days in order to get the held back depreciation. You don’t have to actually complete the repairs in that time period. Now there are insurance company adjusters who will try to make you think you have to have the repairs done in a certain time period. If that’s your case, then you may need a public adjuster on your side if you can’t change the adjuster’s mind.
June 13th, 2012 at 8:12 am #Florence

Hi Moderator1, I am in California, That just what the adjuster has done he keeps giving me deadlines and of course ads to my stress continually. I turned it over to the Insurance commission but don’t see that it is going to help? I have to still chase after them! and they are still saying deadline is End of June. I have get together all the information and refute their reply which is twisted of course in their favor and submit it to the insurance company again. All this not knowing if the can close the claim and keep the rest of the money! even when the Insurance commission investigation can they close the claim? So very frustrating!
Thank you for your reply wish I had known about the 180 days notice of intent.
September 2nd, 2012 at 7:33 am #charles bennett

Back in 2008 we had a house firee insured by another company, and the claim was paid. We rebuilt our home and finished it in 2010. In Jan. 2012, we had a electrical fire due to someone drove a nail through wiring and minimal damage occurred. While we was living at a rental Service Master was fixing home. On Feb 9 we was advised by Service Master employees that someone ad broke the front lock on the house and had been inside the home, so we filed a report with local sherrif office. On Feb 25 my son was involved in a severe car wreck and was airlifted to a hospital in another town and we went and stayed at hospital with my son. On Feb 26 we recieved a call that our house was engulfed and totally gone. We have worked every way with insurance company yet till this day no word. The other day I recieved a letter from Farm Bureau’s attorney advising us that after the sift that several items were missing, yet they waited 89 days to do sift and there had already been a report of someone entering our home. We hired a public adjuster yet they have been unlucky in getting Tennessee Farmers Insurance to make a decision. What if any advice does anyone have to offer so that my family and I can moved forward.
April 12th, 2013 at 7:57 am #Tmoelmoe2

I woke up this morning to a leak in my foyer – it has rained here for 5 days straight and the leak is coming from the trim in my hall doorway. (not door to outside). It’s really perplexing me because there is no water coming from bedrooms upstairs. However, the wall in this hallway I thought had chipping paint but behind the wall is cement. Is this something I should call the insurance company about? I just read a lot of the comments and unfortunately I have Farmers Insurance. Any advice before I deal with their adjuster?
April 12th, 2013 at 10:55 am #Jason

Tmoelmoe2,
It is left to your discretion to make a claim for an event that is affecting your home.

You may want to look for another insurance company. If you have an independent insurance agent in your area, they can search many different insurance companies for your insurance needs. I personally would recommend a mutual insurance company, if one can be found in your area through an independent insurance agent and also is one not found in the area at the top of this page entitled, BEST AND WORST INSURANCE COMPANIES. Additionally, further research should be done concerning the claim satisfaction for the insurance company you consider.
April 12th, 2013 at 11:02 am #Tmoelmoe2

I’m definitely looking for a new insurance company immediately. Farmers just told me that they can’t even send an adjuster out until Tuesday. I’m SO frustrated and appreciate your having this site because I would have never known about Farmers.

So, how should I deal with this adjuster when he comes out? I lived in my home 17 years and never needed to use the insurance so I have no idea how the process even works.
April 12th, 2013 at 11:07 am #Jason

Tmoelmoe2,
Have at least one contractor come over and evaluate why you have the presence of water in your home due to the heavy and enduring rains.

The cause of the water coming into your home is the key to whether coverage exists or not. Knowing more about your claim is important to determine if the water damage is covered. That is why the adjuster will be sent to your home to find out why it coming in and to determine if the water presence is a covered event.

You will have to let the adjuster examine your claim concerns. Other than that, there is nothing further to recommend.
March 21st, 2014 at 4:41 pm #Victim 13

Can someone give me advise. I have a claim with formost insurance which is part of farmers. They’re attorney just send me a letter telling me I need to meet them for a EUO . And guess who the attorney is . None other mr Knapp. The same scumbag u guys were talking about on this page. Now that I have read what he does I am very concerned about this EUO. B4 reading this I wasn’t even worried I was just putting together all the documents they have requested from me. If all that has been published about mr knapp why haven’t they taken away is law license,?i am not in any financial issues but I will be if they deny my claim . My house got flooded and it needs to be fixed a-z.
March 21st, 2014 at 8:58 pm #Jason

Victim,
For any EUO, you should have an attorney. An EUO is an important part of a claim and legal advise is a critical part of being prepared for what to expect and how to answer the questions you will face.
July 10th, 2014 at 9:04 pm #SayNoToFarmers

I live in California. I bought an auto policy from Farmers in 12/12 and the agent asked if I was interested in homeowners also. I told him to look into it and get back to me. I told him the premium must be paid from my escrow. I got a bill for almost $1000 in 11/13 for a homeowners policy term 12/12-12/13. I already had a policy termed 6/13-6/14 paid from my escrow from my original and current homeowners. My Farmers agent (let’s call him Mr. Useless) told me I had to produce my policy showing I had at least as much coverage with the other company in order for Farmers to cancel the bill. I did so. Farmers is now pursuing me through collections for the premium fee and Mr. Useless refuses to respond to my contacts.
Farmers is a joke. Beware and stay away!
August 11th, 2014 at 6:24 pm #Happy with Farmers

I had a claim in 2011 for a water loss. the claim was settled in 2 days with more money than I actually needed to make the repairs. They were very professional and printed a check in their car with a portable printer.
August 12th, 2014 at 10:10 am #Moderator1

Happy,

Glad one Farmer’s adjuster did good for you. But what about Farmers DISPICABLE HANDLING of the Asian Americans claim referred to at the top of this page, which was intentionally ignored by Farmer’s CEO? Their CEO should be rotting in a dark jail cell.
March 24th, 2015 at 10:02 pm #Farmers is the worst

I have worked for Farmers as an adjuster for many years a minority employee and know first hand how they treat their employees, customers and how they short pay their claims to save pennies, this the worst company, they are bunch of thieves who have no respect for anyone but their own pocket
February 8th, 2016 at 3:12 am #Farmers lies

I worked in claims for 20 years, I know what to expect, but Farmers is way over the top. I work for a hoarder as a care giver. She also has memory problems, takes lots of pain killers for her five trip and slip and falls at her house because of hazards she created. I tripped over a jub in a beige canvass bag next to paper towels which appeared beige becaue of the one dim light in the garage. We could not figure out what I tripped over for a week, it was so well blended. The adjuster waited a few weeks to get the insureds statement, a month to take mine, and went to he scene to inspect by himself, when I told him I should be there as the insured doesn’t recall what happened and speaks poor English. He went by himself, she set up the scene as being a large white chlorine jug in the middle of the floor, he denied the claim after going on vacation for a while, and did no further research. Six weeks to decide and he had to rountable to make decision that I knew or should have known that the hazard was there because it was obvious. I raised a stink and a new set of eyes was sent to inspect and clarify. The insured denied, five times that the bag was around the bottle and denied even having the bag, then,when I found it in her trunk, said, oh, but I don’t use. She would not state why she denied it, the reason being is that she has mental problems. the adjuster didn’t check into memory problems, even though the insured denied even owning the bag, and stated it was not present when the loss occurred. I mailed a letter and called adjuster immediately after inspection, no answer, a call back referring me to other adjusters. I sent a l letter to confirm the insured denied having the bag, and presto, magic, the adjuster did not recall that, and did not engage in our conversation about the presence o f the bag during the loss, and stated the location of the bottle was not used for liability. So, in effect, he has only a vacuum cleaner left which I could have tripped over, as he believes the insured who denied the bag, paper towels and the bottle was eliminated. He said that it was obvious that I knew the hazard was there. A mind reader and a liar. He also said it wasn’t his place to discuss with the insured her memory problems and that my version was only my interpretation of how the loss occurred. I have been truthful and this guy, an irish catholic who went to catholic school, lied, it was more obvious that he heaed the witness deny owning the bag and then being caught when I found it. I guess he was mad at me for always asking things, via email, and denied, did not watch what he said, now there is one adjuster who already said the bottle was obvious and the other stating that he did use the bottle placement as it had nothing to do with the fall, except I tripped over it and my injuries match up perfect. So I think I can have fun with these two bafoons. Farmers in Westlake, I believe,. Two adjusters who should have just paid me the 2000 I asked for, I didn’t run the bills up and have been totally honest with them. They both turned out to be liars who say things and hear things, important things that prove my cliam, but conveniently don’t recall saying or hearing them. The second one is so stupid, he was sent there to pacify me, I guess, just to go throught the motions and try to get me to drop the case, but pissed me off when he said my version was just my theory of the loss, in other words, he didn’t come there to reinvestigate the claim he was there for free discovery intormation. Spin control to Farmers Insurance please. I am now turning them into the dept of Insurance as they have made up their own version of how the loss occurred, different from both mine and the insured’s at this point. I can’t wait to hear how it happened from the new guy. I can’t wait to ask for specifics on what I fell over, they just send vague letters and hope that I am stupid. They have treated me like I am an idiot, even though I told them I workded in claim 29 year. They must habe a protocol to screw people, but, as I am being truthful my story stays the same and their versions are very different from each other. The better pray that the small claims judge awards me some good cash, if I get nothing, these two, who decided to rob my by lying and then saying that I am making things up and influencing the insure by having to repeat questions until they answered, or, as the adjuster said, until I got the answer I wanted to hear, which I never got.
January 9th, 2018 at 9:14 am #fool me Once

The worst experience we have ever had with any company, Farmers is without a doubt, one that should be investigated by insurance commission.
The agent told by husband to go ahead with work then she denied she spoke
to him at all.(could not remember!!) For your own good, check reviews before you buy.
September 2nd, 2018 at 5:43 pm #anonymous

We have had or I should say had Farmers 10+ years for both auto and home. End of April 2016, we had a pretty good storm that resulted in our roof losing a couple of shingles. We contacted our agent who sent someone out who gave us a bid. 2 days we got the bid my mom became very ill, was rushed to ER ended up having emergency surgery, and our roof was put on the back burner and was the least of my worries at that point. My husband replaced the shingles. We were having no issues with any leaks in our home and we still haven’t had any issues.

In the midst of all of this with my mom Farmers sent us a check, which we never cashed, we simply put it aside until all the stuff happening with my mom was over, which was about a year later due to her being in and out of the hospital and then having to go to rehab. My husband contacted the agent and told him we never cashed that check and still had it and we were ready to proceed with getting our roof fixed now. He told my husband it was too late and since we didn’t proceed with getting it fixed when the check was issued, we could no longer file another claim for our roof as long as we were insured by Farmers. My husband explained to him why we didn’t do anything, and he suggested we write a letter to Farmers explaining to them what took place and why we didn’t proceed with the roof when we got the bid. I did just that and our agent forward the letter to the powers that be. They came back and told us they still would not allow us to proceed with the roof and reiterated that we could not file another claim on the roof. How can they even do this? What is the purpose of even having homeowners if they can pull this kind of crap?

We have since changed insurance plans and went with Progressive. They told us that someone would be out to inspect just the outside of our house. My husband and I were perfectly fine with them doing that and thought nothing of our roof because again we have had zero issues with it and have lost no more shingles since my husband replaced the ones that blew off 2 years ago. We were just informed that Progressive was cancelling our homeowners because the underwriters stated our “the roof was worn, lifting and buckling and the whole roof should be replaced.” So we have until 10/3/18 @ 12:01am to either replace the roof or get new homeowners insurance.

I am at a loss on what to do. To me filing another claim for our roof would be somewhat fraudulent given we are having no issues with our roof in the way of leaking or anything of the sort. Yes, it looks a tad worn, but if it was lifting or buckling, I would think that we would be having other issues. The only reason we contacted our agent back in April of 2016 was because of the shingles, but as I said my husband fixed that, and we have had no issues since that time.
My question is this: Why couldn’t we have filed another claim for our roof given we never deposited or even tried depositing that check? Unfortunately due to circumstances beyond our control with my mom getting sick, getting the roof taken care of was the least of my worries. Is this how it is with all the insurance companies?

Thank you in advance for your input!
September 2nd, 2018 at 5:59 pm #Jason

Anonymous,
You know what you have to do now. Either get the roof replaced or find another insurance company.

The remedy you took previously when a few shingles were missing was to repair the roof. That seems to have been a reasonable remedy. You didn’t mention how much farmers sent you but I think it was the cost to repair or the ACV of the roof (meaning the cost to replace the roof less depreciation.)

Since you only provided partial information, this is the most reasonable information I can provide at this point.
September 18th, 2018 at 7:07 pm #Suzanne Burns

If I’m in forclosure after a car crashed into my house that I inherited from my mother .and the public adjuster was not doing the job fast enough .i sat in the house for 4 months befor I could find a contactor and the contractor was e friend or a friend so I trusted his judgement .i lost my rental income and the lender put me in default State Farm wass my homeowners insurance .plus the person that hit the house had insurance .and I paid insurance in a escorow account .and on the deed there was a trust for repairing the property and what was left over would be givin to the beneficiary witch was me suzanne Burns well gp that never happened. I didn’t have the money for a attorney .and I didn’t ownthe house I never refinanced so I lost the hous to a referee action .and now I have nothing and no money .But the work was not inspected and a lot of work was not finished like the foundation .the Windows had noshething around them the floors where hard wood but they weren’t when he finished the pluming wasn’t working and he flooded the upstairs forgot to turn the heat on and a pipe bursted and Vincent X Degotto put his hands in the air spand walked away .and the hous was sold as is But they should of inspected it . Because I’m renting the apartment and the rug that was flooded was never lifted or fixed after the flood .and there is mold in the new closet that they put in where the car came in.and I’m getting sick from the mold and how can they action off a house that has black mold in it and there are 2 children living in the part where the car crashed in . I tryed But I couldn’t get any justice and they sold the house . And all of the money had to go threw the bank and it was dispersed by them . I should of got some insurance money back .
September 18th, 2018 at 8:06 pm #Jason

Suzanne,
I can’t really tell but if your home was in foreclosure and the bank foreclosed on it, they assumed the damage to the home and they are responsible for it. If the home is no longer yours, you should have no concern about it. The bank took over your problem and it seems to have all worked out. If there is something I am missing about your situation, please write back.
August 30th, 2020 at 2:06 pm #Alice

I live in a condo duplex with shared walls. My neighbors bathroom pipe burst in her master bedroom the water came through the walls into my both my master bedroom and spare room, both carpets, walls and baseboards in both rooms received water damage.

I called her insurance company first filed a claim and they said due to non negligence on her part they were not responsible and would not cover any of my damages. I then called my homeowners insurance company and they too said that due to the pipe not bursting in my condo they were not responsible.

I am so confused and do not understand why her insurance is not claiming responsibility, and more so confused as to why my homeowners insurance is also not wanting to pay for my water damages. I also tried talking to the HOA association and they too said that they only cover outside structure and are not responsible for any inside damages.

Any advise would be appreciated!

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Boycott Farmers Insurance?

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