ComplaintsforFarmers Insurance

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Initial Complaint
10/14/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Due to the recent hail damages my home air condition stopped working. I never experienced issues with the equipment until the hailstorm. I contacted Farmers Insurance to file a claim 5032688497-1 regarding my inquiry and I was advised to have an estimation then get back to them. I submitted three different estimations from different companies and each agent determine that a part must be replace due to the hailstorm. To my surprise, my claim was denied by the insurance stating that the issue is not cover because it is caused by a surge or caused by wear and tear. Then I called the insurance to ask some explanation about the inquiry and I was advised by the agent that they came to a conclusion by talking with the front desk who provided the wrong information. She taught that the entire unit must be replace, however the estimation paperwork mentioned that one part must be change only. I have been with the company and making my payment for multiple years on time; however, the company is more concern about the money they are making instead of taking care of the customers. The customer service is unreachable all the sudden once the customer file a claim. The ********************** role is to be steps in when your home or property is damaged by an unexpected event occurred, however, it is not the case with Farmers. It has been dealing with the company back and forth more then 2 weeks trying to resolve the inquiry. The insurance company denied the inquiry because they think that the entire equipment must be replace. Unfortunately, that it is not the case, only one-part required ********* neighbor had the similar issue with his Air conditioner and his issue was repaired by the insurance. It is astonishing that insurance company judge the same thing differently according to people, circumstances and interests.
Business response
10/22/2024
We are in receipt of Mr. ****** inquiry regarding the status of his property damage claim. We appreciate the opportunity to review and respond.
We take customer service very seriously and have escalated Mr. ****** concerns to our Claims Leadership team. After careful review we have confirmed that the hail damage to the **** unit requires replacement of the condensing unit. We have contacted Mr. ***** to discuss the next steps in the claims process. We appreciate Mr. ***** as a customer and regret any frustration he has experienced.
Customer response
10/22/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

********* *****
Initial Complaint
10/14/2024
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
On or about September 5, 2024 I received (2) pieces of mail: 1) WaFdBank, stating I need to immediately provide hazard insurance or the bank would force it. 2) A check from FOREMOST in the amount of $180.50 stating my policy has been canceled for non-payment((which is NOT entirely true))History: Currently FOREMOST denied my insurance claim: 5030399260-1-1 for water damage to my home costing in excess of $48K. Because of this denied claim, I had to pay out over $13,500K in CASH to Rotor-Rooter for water/mold clean-up. During which time FOREMOST sent a bill for $400.00 payment on policy. I paid $200.00 and talked to agent ******** ********, phone #: ************ I needed a couple more weeks to come up with the rest of the payment because I had already paid out over $13K to Rotor-Rooter. After phone call to ********, I received NO further contact from FOREMOST, until I received the check for $180.50.COMPLAINT: This is POOR customer/consumer practice on **********************! The ********************** did NOT reach out to me after phone call with ******** stating my policy is being canceled. I had the remaining $200 to pay FOREMOST and was waiting on a bill in the mail to send it in to ******* addition, I currently have NO bathroom/bedroom due to being torn apart by Rotor-Rooter for water restoration cleanup. FOREMOST would NOT help pay for water restoration, damage repairs to roof, main bathroom, and adjoining bedroom, or removal/reinstall Solar Panels so the roof can be replaced. EXTREMELY POOR BUSINESS PRACTICE. I will be 62 years old this upcoming December and I do NOT have enough funds to cover all damage repairs necessary. I have already paid $13,500+ in CASH to Rotor-Rooter; I have already paid $2,700 CASH to SUNERGY for rmvl/replacement of Solar panels. NO insurance companies will insure my home at an affordable cost because of the un-repaired damage I still have. This may cause me to become homeless in the future.
Business response
09/27/2024
We are in receipt of the inquiry from ********** We take customer service very seriously and escalated Ms. ****** concerns to the Claims Leadership team for review. After careful review we respectfully maintain that the outcome of this claim was appropriate based on our investigation and the supports provided. With regards to the policy status,we invite Ms. ****** to contact her agent to discuss her policy concerns. We regret any frustration Ms. ***** has experienced and welcome the opportunity to review any additional information.
Customer response
09/30/2024

Complaint: 22261086

I am rejecting this response because: 1) The claim was CLOSED PRIOR to actually KNOWING for 100 percent the CAUSE of the damage. Not to mention everything was over phone conference under extreme distress instead of a physical representative coming to the property to actually see the entire scope of the damage. How can a person who lives in ******* make a good judgement call for someone living in ****************** where the weather is mostly wet and damp most of the year. 2) Failure to notify me that FOREMOST was going to cancel my policy for "NON PAYMENT" when I actually sent in $200 of the $400 of the invoice. If they never received the initial $200, I again was NEVER notified. In addition, if I was canceled due to "NON PAYMENT" then why did FOREMOST send me a check for $180.50 ??? Also, why did I have to receive a letter from my mortgage company that my policy was canceled instead of through FOREMOST?   This caused extreme undue excess stress on an already stressful situation!!! The reason I sent only $200 of the $400 needed is because I had to come up with initial 10K in CASH to pay for water restoration. FOREMOST wouldn't even help me with THAT!!! 3) To refer me to their representative instead of contacting me directly is VERY POOR BUSINESS PRACTICE and pushing a major issue unto a another person. 4) I have over 48K worth of damage and I am only seeking reimbursement from FOREMOST for water restoration and the removal/replacement of Solar panels((I had no choice in this matter)), so that my roof could be replaced. NOT helping someone in this great need may cause me to lose my entire live savings; my business; and possibly my home because I do NOT HAVE the finances to pay out of pocket for everything to be repaired. FOREMOST PLEASE DO THE RIGHT THING AND HELP ME OUT PLEASE.

Sincerely,

**** ******
Business response
10/16/2024
Case: 22261086

To Whom It May Concern:

Thank you for notifying Foremost of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.

To protect confidential consumer information, we do not disclose information about our review. We have been in contact with the consumer to address their specific concerns in the complaint above.
Customer response
10/17/2024

Complaint: 22261086

I am rejecting this response because: FOREMOST/FARMERS INSURANCE COMPANY is NOT trying at all to resolved this complaint but instead make excuses. FOREMOST states "I was terminated because of NON-PAYMENT" which is a lie. I DID make a payment but it was only $200 of $400((at the time of the invoice)) and I explained to the company WHY they were receiving only $200 at the time. ((because I had to come up with over $13,500 to pay IN CASH to Rotor-Router for water damage cleanup/restoration and I did NOT have $400 total to send to FOREMOST. In addition, if I did NOT pay them as FOREMOST STATED, then WHY did I receive a check from them in the amount of $180.50???((I have NOT cashed nor deposited this check until this situation is resolved)).   Second, once again, FOREMOST made a decision in regards to my original claim BEFORE it was determined the exact cause of the water damage. Therefore, I still request reimbursement for payment to Rotor-Router in the amount of $13,500 AND to SUNENERGY in the amount of $5,500 for the removal and installation of my solar panels in order for the roof damage ((i.e. the entire roof)) be replaced. Again, I am asking FOREMOST/FARMERS to do the right thing. I have reported this company to **************** Insurance **************** and the State Attorney Office. I will be reporting them to Consumer Reports too. I have NOT received anything in the mail from FOREMOST/FARMERS addressing my BBB complaint as of 10/17/2024. I do NOT accept their last response to BBB in this situation. PLEASE FOREMOST/FARMERS, do the right thing; your company can afford it. With all the damage, that occurred and having to pay EVERYTHING out of pocket, I as a consumer have little or not monies left. I am currently STILL without a bathroom and usable bedroom as of 10/17/2024 because I no longer can pay for repairs.

Sincerely,

**** ******
Business response
10/22/2024
We are in receipt of Ms. ******* follow-up inquiry regarding the outcome of her claim and the status of her policy. We appreciate the opportunity to review and provide additional clarity.
Our investigation Ms. ******* claim was sufficient to determined that the damages to her property were cause by long-term leaks, wear and tear,and mold. As these are not covered by the policy, we are unable to make payment for these damages. We welcome the opportunity to review any additional information.
With regards to the cancellation, insufficient premium was received prior to date due and therefore the policy cancelled. Our records reflect that the appropriate notices were mailed to Ms. *************
Customer response
10/22/2024

Complaint: 22261086

I am rejecting this response because:
FOREMOST your company continues to deceive and LIE. I did NOT receive any notice of any kind in regards to the cancellation of the policy via Phone Call ((from company and NOT agent)); email; or thru regular mail. I found out about being cancelled thru my bank sending me a notice that I needed insurance ASAP. So please stop lying! Thank you! I would not return to your company anyway.   It has become a principle of this whole ordeal. In regards, to the funds requested, they policy may NOT cover the DAMAGES DIRECTLY, but where does it state that the insurance will NOT cover the means to have the water restoration/clean up done? REALLY? Your company is going to nit-pick wording now??? And I feel because I had ZERO CHOICE, that FOREMOST company needs to do the right thing and help someone out in desperate need to reimburse the removal/install of solar panels because the roof had to be replaced. The solar panels have NOTHING to do with the "water damage" not covered by your lame policy.

Sincerely,

**** ******
Initial Complaint
10/10/2024
Complaint Type:
Order Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
We had 2 straight line winds storms come thru the last week of September. It caused many trees to fall and tall grasses to flattened. Thier were many trees down in a small proximity to our house. We had a inspection and the adjuster told us the damage (which wasn't there before storm ) was wear and tear and wasn't covered. So we asked for a local adjuster to reexamine it and our agent said that a adjuster was assigned and will contact me . I left 2 messages and no reply . Then I get a letter posted in the claim portal that they are sticking to thier claim that it was where and tear. Didn't send another adjuster even after we sent more pictures and estimate in. He never even called me. I find this wear and tear excuse very weak. That means Even after a roof that has been thru a storm a day after it was put up has wear and tear. In that case every roof has wear and tear. So not only is that not an excuse to deny it's insulting. Very poor customer service and professionalism. I want my roof fixed and covered by insurance.
Business response
10/15/2024
Dear Better Business Bureau,
Thank you for your correspondence regarding a matter brought forth by Thomas Niewman. In this inquiry, Mr. Nieman expressed dissatisfaction regarding the coverage determination for his claim. We take the customer experience seriously and appreciate the opportunity to respond.
We value Mr. Niewman as a customer and appreciate his business. Upon receipt of this complaint, we escalated Mr. Niewman’s concerns to claim leaders for their review. Based on a review of all documentation including a wind report for the date of loss and submitted photos, we maintain the coverage denial for Mr. Niewman’s claim. Regrettably, we do not have a more favorable response.
Sincerely,
Truck Insurance Exchange
Amy Spawr-Bardley
Claim Customer Relations Senior Consultant
Customer response
10/15/2024

Complaint: 22404425

I am rejecting this response because: well I believe they got this wrong just like they spelled my name wrong in response. If wind reports weren't over 50mph then they got this wrong.

Sincerely,

Thomas Nieman
Business response
10/18/2024
Dear Better Business Bureau,
Thank you for your additional correspondence regarding a matter brought forth by Thomas Nieman. Regrettably, the damages to Mr. Nieman’s roof were not associated to a covered cause of loss. Therefore, we must respectfully maintain our coverage decision for the claim.
Sincerely,
Truck Insurance Exchange
Amy Spawr-Bardley
Claim Customer Relations Senior Consultant
Customer response
10/18/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 22404425, and find that this resolution is satisfactory to me.

Sincerely,

Thomas Nieman
Initial Complaint
10/09/2024
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I had just paid my monthly bill on July 28th roughly and canceled my insurance on the 30th of July 2024 to get a different insurance in the new state I live in that was less expensive than what I was paying Bristol West. Also, after canceling the insurance with my agent on the phone they never said that there was a cancelation fee. However, since I just paid the monthly bill, I thought I would receive some money back if anything. I also called Bristol West and the agent there said there was a cancelation fee and a late fee. I don't know how I got a late fee after canceling my insurance. I told her that that was wrong to charge a cancelation fee. She also advised me that the bill was in collections now. So, this is why I want to get the bill canceled and my credit fixed.
Business response
10/10/2024
To Whom It May Concern:

Thank you for notifying Farmers of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.

To protect confidential consumer information, we do not disclose information about our review. We have been in contact with the consumer to address their specific concerns in the complaint above.
Initial Complaint
10/09/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Bristol West, which is associated with Farmers Insurance, has failed to provide me with my refund for a canceled auto insurance policy. I have kept getting told that it would be deposited to my bank account only to call back a few days later and get told that it was getting mailed. They told me that they mailed the check on September 30th. I still have yet to see this money.
Business response
10/16/2024
To Whom It May Concern:

Thank you for notifying Farmers of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.

To protect confidential consumer information, we do not disclose information about our review. We have been in contact with the consumer via email to address their specific concerns in the complaint above.

Customer response
10/16/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 22399002, and find that this resolution is satisfactory to me.

Sincerely,

Frankie Morales
Initial Complaint
10/08/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
On July 24, 2024 I got my insurance through Bristol West (it was PAID IN FULL) and in August I decided I wanted to cancel my insurance due to the lack of communication and assistance with the company. They informed me that they will refund me my money but they wouldnt give me all just half of the $1687.83 that I paid. I talked to 2 of the workers and 2 supervisors and they all said the same thing. I had the insurance for a full month. I then was in an accident on the day I was trying to cancel my insurance and they have not assisted me with it all. They took my rental away and said I would have to pay for a rental even though it states in the policy that they are responsible for given me a rental. I have been trying to get in contact with them but they will not answer the phone. This company is a scam. I would like a refund on the policy because I am not receiving the assistance that was promised to me. I am not the only person that has had many issues with this company. They will not let me cancel my policy. They stated they will continue to charge me even though my policy was paid in full on the day listed above.
Business response
10/08/2024
To Whom It May Concern:

Thank you for notifying Farmers of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.

To protect confidential consumer information, we do not disclose information about our review. We have been in contact with the consumer via email to address their specific concerns in the complaint above.
Initial Complaint
10/07/2024
Complaint Type:
Sales and Advertising Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
On September 27 hurricane ***** caused significant rain and wind to my area in *******. In the morning of September 27 I entered my garage and found my ceiling damaged. a 12 feet sheetrock was broken half. I filed an homeowners claim with farmers insurance company. Farmers Claim adjuster came out a week later and denied my claim. The Adjuster informed me the wind blew the water through my garage attic exhaust vent. The vent measures 12x14 and is covered by an interior thin meshed to keep pest out of the attic. The Sheetrock broke about 6ft away from the wall. The Sheetrock wall sustained no water damage. Inside my master bedroom at a crack and the ceiling from water damage he also denied that stay in and had to have come from a Ridge event. He said he only found one shingle damage and that wasnt equivalent to heaven my roof repaired on the place so here I am paying all my insurance to protect my house to accompany that refuses to take care of their customers. ********************** is okay with taking my money stating they will protect my property as long as I dont file a claim to repair the damages.
Business response
10/11/2024
We have reviewed this matter, and determined our evaluation of the covered damage to Ms. ******** home is accurate and supported by the outcome of the inspection. Only minor wind damage was found to the homes roof, and there is no corresponding covered damage that caused the interior damage to Ms. ******** home. We are sorry we cannot respond more favorably to her inquiry. We will gladly review any additional information she wishes to provide, however.
Initial Complaint
10/07/2024
Complaint Type:
Product Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
On May 22nd I spoke with Mr. ***** via phone about cancelling a contents insurance policy. He told me to send him an email. I sent him an email reminding him of my ********** account was drafted on May 20th for $49.64. Not sure if I'm entitled to a prorated refund.On June 16th I sent a 2nd email asking for cancellation of the policy. Mr. ***** responded he would look at it first thing Monday morning. My account was drafted on the 17th $49.64.June 30th I send 3rd email asking if the policy was cancelled. No response.July 5th I sent the 4th email asking for confirmation of cancellation and a refund. No response.July 8th I sent the 5th email asking for confirmation of cancellation. Mr. ***** responded he had multiple family issues and apologized for the delay.July 11th I sent the 6th email asking for a status update. No response.July 16th I received notice of an attempt to draft my account in which I put a stop payment and prevented the draft. I sent the 7th email explaining that I'm still receiving attempted drafts and to cancel my policy. No response.August 12th I sent the 8th email asking for cancellation of my policy, a refund, and a warning to get the BBB involved.I received a cancellation from Foremost stating that I owe and want to make sure this won't be turned in for collections. See attached.This happened before when we needed to cancel our auto policy with him but I did not file a complaint. When I asked him about getting a refund on the phone he said he was moving his grandmother. I called again a few days later and his family was sick. I called a third time and left a message. I called a fourth time and he stopped answering my calls. A month later I issued a stop payment to prevent a draft of over $1,000 to my account. If he did this to us twice with same excuses, I'm sure he's done it to others.
Business response
10/08/2024
Case: 22381694

To Whom It May Concern:

Thank you for notifying Foremost of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.

To protect confidential consumer information, we do not disclose information about our review. We have been in contact with the consumer to address their specific concerns in the complaint above.
Customer response
10/08/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

******* *****
Initial Complaint
10/07/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
The amount of money paid in full and charges applied and reprocusions (increased escrow).Annual home insurance: $1310 Monthly payments made by me for Jan, Feb. and March: $355.47. Full annual payment made by mortgage *** $982.53. *********** started an escrow account and increased my monthly payment.Farmers did not make the adjustments and continued to bill monthly applying installment service charges. Refused to send me or mortgage company, reimbursement resulting in escrow increase again eff for Oct. 1, 2024.
Business response
10/14/2024
To Whom It May Concern:

Thank you for notifying Farmers of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.

To protect confidential consumer information, we do not disclose information about our review. We have been in contact with the consumer to address their specific concerns in the complaint above.
Initial Complaint
10/04/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Involving auto accident claim. I was relegated to doing the bulk of the adjusters job. Same with claims department. Very poor communication, poor direction, poor service, often waiting up to 3 days for response from claims department. Initial thought was vehicle was totaled, however adjuster based on photos wanted to get estimate for repair. I was told to locate a body shop on my own, which I did, and communicated information to claims handler. After 2 days no response and multiple phone calls I was instructed to reach out to body shop on my own, was told that body shop would not process claim through insurance company.. b Queens handler then directed me to seek out other body shops on my own, which I did and received two more denials for doing an estimate on claim with insurance claims handler stated would reach out to his organization to locate a body shop. After 3 days of no response and multiple phone calls was again instructed to attempt to locate a shop that would do a repair estimate. Isn't this the job of the insurance company? After locating a shop that would do an estimate, communicated information to claims handler, another 3-day wait with no response and multiple phone calls I finally arranged for tow truck service to transport the vehicle.. This process has spanned for weeks and now rental car benefit has expired. I appealed to claims handler for extended rental car time due to Bristol West dragging its feet for 2 weeks. My request was denied. Have experienced poor service, poor communication, extended time for communication, have basically had to manage the claim myself with very little direction assistance or instruction.
Business response
10/09/2024
We are in receipt of your inquiry regarding Mr. Petty’s concerns regarding the handling of his claim. We appreciate the opportunity to review this matter and to respond.
We regret any frustration Mr. Petty has experienced. The claim supervisor has reached out to Mr. Petty directly to discuss the concerns' outlined in his inquiry.

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