• Report: #468731
Complaint Review:


  • Submitted: Sun, July 12, 2009
  • Updated: Tue, August 10, 2010

  • Reported By:Hernando Beach Alabama
www.statefarm.com Bloomington, Illinois U.S.A.


*Consumer Suggestion: State Farm DOES conduct bad faith

* : "Doesn't add up" needs to read more carefully.

* : Doen't add up

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My home in Cahaba Heights (Birmingham, AL) was destroyed by Fire in 2005. I was away, caring for my Mom in FL, who was terminally ill, and my young girls. On Feb 24th, 2005 I got a phone call....There had been a fire, and my husband, the girls Dad, had died. We contacted State Farm, our Insurer, and notified them of the tragedy.

Instead of quickly adjusting the loss, by rebuilding our home, paying for another temporary home, and paying for our personal property, AS PROMISED IN OUR POLICY, State Farm weaseled out of rebuilding my home and took actions to make sure I was DESTROYED mentally, emotionally, psychologically, and financially.

I was not able to be present in Birmingham to operate my business, and we suffered financially due to State Farm's failure to pay for another temporary home or "additional living expenses". I lost my business, and ONLY source of income to support myself, and my children as a result of State Farm's actions, and failure to perform as promised.

State Farm employee, Fred Williams, started vicious rumors about me at my business, my husbands business, and to friends and neighbors. The rumors he started with his implications and insensitivity resulted in threats on my life. I became afraid for my safety, and my daughters' safety.

I lived in fear that year, and the next, having nightmares caused by the horrible rumors state Farm caused. I woke up many nights from nightmares that I had killed someone, or that I was being blamed for killing someone.

I later learned that Fred Williams was an ex FBI agent. Maybe that explains why he treated me like a criminal, rather than a good customer who had just suffered a horrific tragedy.

Fred Williams also yelled at me on the phone when I called and asked them to honor the policy they sold me. Not only was he not helpful, he was mean and abusive. I called State Farm and complained but was still forced to deal with him. Fred Williams also refused to answer questions on how to make the claim and fill out State Farm's Inventory and Proof of Loss forms.

He was very cunning. He told me in April & August, 2005 (more than once) to NOT fill out a Proof of Loss about rebuilding the house. He said: "Just give us an estimate to rebuild it", which I did. Little did I know that later, State Farm would claim that I never asked them to rebuild the house. At the time, I was naive and trusted State Farm, and did what Fred Williams told me to do. What a huge mistake.

It's obvious in retrospect that he set it up that way intentionally in order for State Farm to save money by NOT rebuilding my house.

I have my phone records. THEY SHOW OVER 80 CALLS TO STATE FARM, (that's OVER EIGHTY CALLS TO STATE FARM!!!!), not even including the calls to and from Fred William's cell phone. It should be apparent to anyone that I was frantically trying to get State Farm to DO THEIR JOB, and what they promised in my policy. Do State Farm, Fred Williams, and Lloyd Renfrow REALLY expect anyone to believe that I called "to talk about the weather" over 80 times??? Pathetic.

Later, in a phone call, Mr Williams' supervisor, Lloyd Renfrow, privately confessed to me the REAL reason they didn't pay. He said that my lawyer wasn't doing enough for me, and that they knew he had a conflict of interest all along. In other words, he was telling me that State Farm was taking advantage of us simply because they saw the opportunity to do so.

It wasn't even my lawyer, it was my husband's Estate's lawyer. I was unrepresented, and told State Farm so, not realizing that it made my daughters and I unprotected lambs for the Predator State Farm to take advantage of. I had asked State Farm if making an insurance claim required a lawyer, and they said no.

State Farm never repaired my home. Eventually, the roof fell in due to the extensive fire damage.

My young daughters and I had to live in a condemned house in 2006. There were holes in the walls and floors and animals came in at night. State Farm was aware of that fact, but did NOTHING for us.

Please see the PHOTOS in the slideshow of the condemned house where we lived in 2006, after State Farm failed to HONOR the policy they sold us.

It's BEEN OVER FOUR YEARS now, and State Farm is STILL lying, and shirking responsibility for their actions. I have been forced to spend thousands of dollars I can't afford traveling to depositions by State Farm, again and again, in which a huge table full of lawyers grilled me for 14 hours, day after day.

State Farm has dragged me over the coals to get rid of me. I'm not going away. I want everyone to know to know what an evil, opportunistic predator State Farm really is.

My policy promised to perform within 60 days. State Farm FAILED US miserably.

State Farm takes in BILLIONS of dollars annually, from TRUSTING customers, but then CHEATS THEIR CUSTOMERS out of their homes and property.

I never would have believed this could happen had this not happened to us. I was naive and trusting, and foolishly believed State Farm's advertising.

We (the consumers) buy Insurance to save us from being totally destroyed by a major loss like this. It's outrageous that State Farm made the experience even WORSE instead of helping. I still have not recovered completely from their actions.


Hernando Beach, Alabama

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This report was posted on Ripoff Report on 07/12/2009 12:14 AM and is a permanent record located here: http://www.ripoffreport.com/reports/state-farm-insurance/bloomington-illinois/state-farm-insurance-rips-off-widow-little-girls-to-save-a-few-bucks-bloomington-illinoi-468731. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Suggestion

State Farm DOES conduct bad faith

AUTHOR: FusedGal - (United States of America)

Her story sounds very true to me.  I know because I had a very bad personal experience too.  I'm sure State Farm reviews these comments and will figure out who I am but I don't care, they have done all kinds of things to intimidate me.  I want people to know how ruthless they are.  I know all the State Farm adjusters, Reps and claims people are trained by McKinsey Consulting-a firm that teaches them how to Delay-Deny Claims until the statute runs out.  It is all intentional.  That is why this poor lady had to call him 80 times.  I had an accident that left me permanently disabled.  State Farm hired a Doctor to LIE about my injuries.  I had to have 3 years physical therapy and still have numerous ongoing health care issues.  There is something going on with the Hospitals and Physicians handling of paperwork, medical record errors that seem intentional to favor the Insurance company.  Possible collusion.  I think this is going on throughout the Insurance industry.  It's all about the MONEY and making the shareholders happy.  State Farm does not care about people.  They are not a good neighbor.  That Ad is a joke.  My suggestion to Angela and anyone with a bad experience with State Farm is to put it back on them.  SUE them for FRAUD.  I am hoping soon that enough people will join to file a Class Action Lawsuit against them.  They have grown too big and too powerful.  They make enough people mad and watch out-major lawsuit for Fraud!   There are Thousands of Katrina victims that are still waiting for State Farm to pay them, 5 years.   Also anyone who has any medical claim-get all your medical records and read them.  Your Doctor could be changing the information to favor State Farm.  Think about it.  The Doctors all have to buy Malpractice Insurance.  How easy would it be to have the Drs and Insurance companies work in collusion for a break?  Yep, all I can say is be on guard.  My prayers are with you Angela.  There is a God and one day vengeance will be laid upon the evildoers.
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"Doesn't add up" needs to read more carefully.

AUTHOR: Adult and child victims of the predator state farm - (U.S.A.)

If you will reread my complaint you will see that I never said I called my AGENT.  I called the ADJUSTER, and his supervisor.  I called the contact person/s named in the letters that State Farm mailed, just as I should have.  My AGENT had nothing to do with the claim process.  You're right....It doesn't add up.  At all.  There was NO EXCUSE for how State Farm handled this claim.  Period.   I demand a public apology to my children and I, and for State Farm to make right the losses that they caused.   Sincerely, Angela Russell.  Please see website for photos:  statefarmsucks dot homestead dot com  
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Doen't add up

AUTHOR: justagirl7386 - (USA)

First, I am a former licensed staff member of a State Farm agent.  I worked with him for 18 years and, were it not for my health, would still be working with him. 

In the time I worked for this most honorable agent I only saw State Farm deny a claim on a homeowners policy when the cause of the loss was arson or caused by a peril that was specifically excluded by the policy.

And, if you retained an attorney, 800 calls to your agent isn't going to get you an answer.  The agent and their staff are prohibited from speaking to a policy holder once they have been notified that the policy holder has retained legal counsel. 

Also, an agent only has a certain draft authority, meaning any loss over a certain amount has to be handled by an adjuster.  Plus, any loss involving a fatality most certainly would be handled by an adjuster.  So, why would you discuss the cost of replacement of your home with the agent?  It appears you haven't disclosed the complete history regarding your loss and while you have my sympathy for the loss of your husband I find it impossible to believe State Farm has failed to pay a legitimate claim.

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