Apr. 26, 2018

STATE FARM TREATS NEIGHBORS LIKE....CRAP!

 

I have no complaints about my life, my talents, my health, and the many blessings I’ve received during my lifetime.  My complete disgust comes from having to interact with today’s “business people”…..from Realtors, Insurance Agents, and Bankers----to Grocery Managers, Postal Employees, and Internet Providers.

It’s not enough that customer service is no longer a priority at every level of business….but the abundance of arrogant, know-it-all attitudes….is criminal. Plus, there’s no hiding this generation's irritation and intolerance for any customer over fifty years of age!

For most of my adult life, I used State Farm for both homeowners and auto insurance. Starting in Arkansas then, as I moved to numerous other states, I always depended on State Farm. 

Only when I returned to Arkansas in 2008…was I forced to change Insurance Companies. I was shocked to find that State Farm’s Auto coverage in Arkansas was twice---yes, twice as expensive as State Farm’s coverage in Alexandria, Virginia!

As one young State Farm agent so shamelessly reminded me….”But you were also younger when you lived in Virginia so your coverage was cheaper”  Luckily for him, our conversation was by phone…not in person. So, I went with another insurance agency.

After years of watching my home and auto payments steadily climb upward with numerous insurance companies although I'd never filed a claim…I finally decided to try State Farm….again.  This time, I contacted an agent whose office was near my home.  His prices were competitive so I returned to State Farm.

A few months ago, after my Little Rock House sold, I  asked my State Farm Agent to submit a quote for my new home in Hot Springs Village. An agent named Lane seemed happy to help, promptly sent me a reasonable quote, and I accepted. Of course my new home was much smaller, much-less expensive than my Little Rock home….which meant State Farm's profit was considerably lower. But, feeling secure and with few worries...other than unpacking ….I moved into my new home. Then, several weeks ago....

I answered my cell phone and heard a State Farm Agent named Robin (whom I’d never met) tell me I must quickly sign a letter she was sending that very day.  She told me to ignore any threatening letter about my failure to sign an earthquake waiver but, instead, to "just hurry and sign the letter being sent "…..although the important letter wouldn’t reach me until after the long weekend!

I asked why she wasn’t sending the letter overnight mail or arranging for me to sign my name, online?  She replied there was no need for “all that” expense... but to "just sign it asap then return it immediately".

Five days later, the earthquake waiver arrived; I signed and returned it the same day.  Problem solved…or....so I thought.

Robin called me back four days later to announce that I must hurry and get a new roof---now-- today! Out of town inspectors had found some moss growing on a part of my roll-out roofing,  over the sunroom,  and State Farm was planning to cancel my homeowners if I didn’t replace my roof before April 20, 2018. 

Once again, shocked at this unknown agent’s consistent pressure….I reminded her that, soon after buying my house, a professional/certified inspector  examined every inch of my new property, including the roof, and his report documented that the house and roof had both passed a complete inspection.

 I reminded her that no one from State Farm had contacted me about any out-of-state inspectors coming on my property unannounced.  I never saw anyone on my roof, in my yard.  Since I live in a gated community…how did these "out of town inspectors" get through the gate, climb on my roof to take photos, without contacting me first?!?!?  It is illegal to wander around my yard and climb on top of my house… without my permission! 

All Robin could say was “Just hurry and sign a contact with a roofing contractor and get back with me today.  You must take action before April 20!"

Two days later, I received a letter from a State Farm Office in Missouri, stating that State Farm had cancelled my homeowner’s insurance, effective April 20, 2018, based on the following: (1) Failure to sign an earthquake waiver (2) Information provided by an out-of-state inspection team that determined my roof was showing signs of "detoriation, making it more susceptible to leaking, wind, and hail damage." 

IN ALL MY YEARS as a homeowner, I’ve never received such unprofessional and unethical treatment by a so-called reputable insurance company.

Then, to make sure they gave me another good, hard kick while I was down….I received a new notice this past Monday—by mail---that my auto insurance price was being doubled….beginning May 1, 2018.  You can be sure I’d already been searching for another insurance company for both homeowners and auto!  I refuse to do business with crooks.

 And, I filed a consumer complaint with Arkansas's Attorney General who, in turn, contacted the Insurance Commissioner.

 Nothing lasts, people change…and so do companies. I’ve experienced State Farm’s ugly attitudes and unprofessional actions and, in the near future… I'm sure other customers will also get enough of State Farm's unprofessional treatment.  State Farm can’t expect to “piggy-back” off their once-established name....forever.

Trust me: State Farm knows nothing about people…let-alone… being a “Good Neighbor”. 

Simply,

Sally