You never know how good your homeowner insurance company is until you have a claim…and then it’s too late. My sister had a claim with Farmers Insurance Company in February 2007. It was from the weight of ice and snow on her house…a lot of snow. It happened when she was out of town so it wasn’t something she could watch happen but when she came home…it was a mess.
Well, the mess she had from the water seeping in is nothing compared to the mess Farmers has left. Not only have the lost, ignored or delayed payment to her, they have no excuse other than they are over worked. So sad – NOT! On top of this, her agent won’t help her because her claim has messed up his loss ratio, probably cutting him out of sizable bonuses.
Farmers refuses to admit they’ve made a huge mistake but more over, another snowy season is upon her and…her roof is still not fixed? She has worked full time for almost 2 years now trying to get her claim resolved, to no avail. I’m sure that once it’s turned over to her attorney Farmers will suddenly sit up straight and give her some attention. But, why…does it have to come to this?
Not all insurance companies are like this. I’ve worked with many insurance companies, like Fireman’s Fund, Chubb, Aetna, just to name a few, that know what in the world they are doing when they adjust a homeowner claim. So, don’t wait until you have a claim to find out your insurance company is not only disorganized but doesn’t care. Hiring an attorney should be the last resort, but sadly, sometimes it comes to this. Please, if you ever have a question on your policy, I’d be happy to take a look at it, your coverage and your insurance company.
