Ripoff Report Needs Your Help!
X  |  CLOSE
Report: #180940

Complaint Review: State Farm - Albany Oregon

  • Submitted:
  • Updated:
  • Reported By: tangent Oregon
  • Author Confirmed What's this?
  • Why?
  • State Farm www.statefarm.com Albany, Oregon U.S.A.

Show customers why they should trust your business over your competitors...

Is this
Report about YOU
listed on other sites?
Those sites steal
Ripoff Report's
content.
We can get those
removed for you!
Find out more here.
How to fix
Ripoff Report
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

We asked the Federal Government to send us information on flood Ins. because our neighbor decided back in 03 to seal out a few water drain ditches, which had caused our property to flood.

Our neighbor explained that the city had allowed him to seal them off, which was a lie according to the city, but my complaint of the day is not that for which he did, but what state farm had done to us.

We were given a few names of a few Insurance Companies that would cover us in case we were flooded again, in case this moron would not open those drain ditches, he was ordered to open. Well he didnt and and we flooded again.

I should have known better, to read a contract before strolling into a new world, but I was in desperate mode at the time, this was due to the damages that were being caused and we had no way to pay for it, because the neighbors Ins. Company is fighting us all the way, even today we have not been compensated for the damage, which they continue to fight.

For those of you out there, please beware of what will happen when you do need to purchase flood Ins. We were not, because we did not read the info the government had sent and did not know we had to fully measure our land, to insure we would be covered. Here's why and the reasons we were not covered by State Farms Flood Insurance, provided by the National Flood Insurance Program.

Before I detail the crime, My wife and I called the State Farm agent in Albany Oregon and made an appointment, when we got there, we had waited 10 minutes, and two phone calls later to the agent before he had gotten back from lunch. This should have been my first clue, not to go with this company, and I assure you, this was not the first time troubles have begun to happen with this company, and with their insurance policies.

The agent showed up, and we were asked to his office. We told him that we needed flood Insurance on our home, that we were told that his company provided it. You've come to the right place, I'm sure everyone is told this, but not everyone is told the truth about flood insurance. He asked a few questions and it didnt dawn on me until he after accepting the upfront payment of $563.00 to cover our how, asked how much land did we have, and I gave him the info 150x 180, he said oh, ok. That was it.

Now knowing that a neighbor had recently flooded our property, he didnt even make any atempt to tell us, not to take the Ins, because they had no intentions of ever paying the claim, if we made one, which he knew of course we would, and did.

Thats when I knew this guy knew just what he wasw doing and that he had just screwed us out of $563.00 dollars and there was nothing in this world we could do about it, that is if I had read the info the government sent, which the government has yet to amend to date, because they know no one would readf it, just buy it, which is all they want as well. The MONEY.

Now I know why this clown at State Farm smile3d and asked how much land did we own. We own less than two acres of land. The trick is providing the agent with this ammo, so that he woul;d tell you if the flood ins would cover you, but to wait until a person pays then asks, is cold hard greed at its best.

It come to a point of ethics when money is at hand, and lie to those who donjt have it, in order to take every last bit, to insure they lose what was at stake in the first play, their home. well the fight goes on.

I do want every one to know that, the reason he had asked us how much land we had, was because as the adjuster had pointed out to us, that we were not covered due to the fact that we did not own two or more acres of land and in order to be covered by the National flood Ins. Program, under flooding which he says we are not covered by two of the rules, one we do not have two or more acres of land and that two or more homes have to be damaged by the flood in question.

Here's a big tip, I hope you will all consider, no matter how much you trust the federal government, read all the information they send, and ask those crooked agents before you are asked for any money, is or will your home be covered by the police, and if you have enough land to be covered, because I'm surew I am not the only one who has gotten riped off by state farm, by the way for a second time. I should write about that too, so to protect consumers from their ethical pratices they seem to practice so well and frequent no a days.

Seeing how as the agent has claimed to the ins commission of oregon, he got away with stealing my money, but after informing all of you, he wont get away with it again.

Francis
Tangent, Oregon
U.S.A.

Click here to read other Rip Off Reports on State Farm Insurance

This report was posted on Ripoff Report on 03/13/2006 03:23 PM and is a permanent record located here: https://www.ripoffreport.com/reports/state-farm/albany-oregon-97330/state-farm-ripoff-albany-oregon-180940. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Updates & Rebuttals

REBUTTALS & REPLIES:
0Author
6Consumer
4Employee/Owner

#10 Consumer Comment

Who's at fault here?

AUTHOR: Pete - (U.S.A.)

POSTED: Sunday, March 19, 2006

Francis, Francis--I'll bet you've learned by not that you READ all the pertinent information given you, haven't you? I recently applied for and received a new credit card. Before I called the 800 number to activate it, I read every word of the numerous terms and conditions sent me. It took me almost half an hour. Don't blame State Farm, don't blame the agent--blame YOURSELF!!

Respond to this report!
What's this?

#9 Consumer Comment

Who's at fault here?

AUTHOR: Pete - (U.S.A.)

POSTED: Sunday, March 19, 2006

Francis, Francis--I'll bet you've learned by not that you READ all the pertinent information given you, haven't you? I recently applied for and received a new credit card. Before I called the 800 number to activate it, I read every word of the numerous terms and conditions sent me. It took me almost half an hour. Don't blame State Farm, don't blame the agent--blame YOURSELF!!

Respond to this report!
What's this?

#8 Consumer Comment

Who's at fault here?

AUTHOR: Pete - (U.S.A.)

POSTED: Sunday, March 19, 2006

Francis, Francis--I'll bet you've learned by not that you READ all the pertinent information given you, haven't you? I recently applied for and received a new credit card. Before I called the 800 number to activate it, I read every word of the numerous terms and conditions sent me. It took me almost half an hour. Don't blame State Farm, don't blame the agent--blame YOURSELF!!

Respond to this report!
What's this?

#7 REBUTTAL Individual responds

thanx for your response

AUTHOR: Francis - (U.S.A.)

POSTED: Sunday, March 19, 2006

Thanks for responding to the problem caused by my flood insurer, the agent knew we we're there to cover our home, because of this clowns attempt to flood us out, and yes, when we took out the the insurance, it was in early spring after the Oregon rains had stoped,a few months had gone by after our third flooding had accrured and, the agent was aware of the prior flooding. We we're truthful in our applicatation. When we began to flood again in the early months of Oct. and Nov.
we didnt know, or was it ever exsplained that we could have purchased any other insurance. We filed with the Or. Ins. Comm, who backed State Farm, Cliff Nolan, the investagator, told us that we should have read the information prior to the purchase, we explained to him that we we're never told about the size or amount or even had to damage two or more homes. This was some of the most retarded explanations I have ever be given. So I feel that, when it comes to big money in this country, your local gov dont give a d**n, if they lie and cheat. It would only take away their childs college funding.
Now we do have everything under control, we work hard to pay our atty what they need to fight Bozo and his crew of greedy Ins Lawyers, even if its at the exspence of our own childrens college education, because in the long run every picture tells a story. Its just we have video. With Bozo and hiw crew, we have another surprize, its called, with malace. This is where a jury will decide on why he didnt take care of it, when order by the city 2 years later. thanks.

Respond to this report!
What's this?

#6 REBUTTAL Individual responds

thanx for your response

AUTHOR: Francis - (U.S.A.)

POSTED: Sunday, March 19, 2006

Thanks for responding to the problem caused by my flood insurer, the agent knew we we're there to cover our home, because of this clowns attempt to flood us out, and yes, when we took out the the insurance, it was in early spring after the Oregon rains had stoped,a few months had gone by after our third flooding had accrured and, the agent was aware of the prior flooding. We we're truthful in our applicatation. When we began to flood again in the early months of Oct. and Nov.
we didnt know, or was it ever exsplained that we could have purchased any other insurance. We filed with the Or. Ins. Comm, who backed State Farm, Cliff Nolan, the investagator, told us that we should have read the information prior to the purchase, we explained to him that we we're never told about the size or amount or even had to damage two or more homes. This was some of the most retarded explanations I have ever be given. So I feel that, when it comes to big money in this country, your local gov dont give a d**n, if they lie and cheat. It would only take away their childs college funding.
Now we do have everything under control, we work hard to pay our atty what they need to fight Bozo and his crew of greedy Ins Lawyers, even if its at the exspence of our own childrens college education, because in the long run every picture tells a story. Its just we have video. With Bozo and hiw crew, we have another surprize, its called, with malace. This is where a jury will decide on why he didnt take care of it, when order by the city 2 years later. thanks.

Respond to this report!
What's this?

#5 REBUTTAL Individual responds

thanx for your response

AUTHOR: Francis - (U.S.A.)

POSTED: Sunday, March 19, 2006

Thanks for responding to the problem caused by my flood insurer, the agent knew we we're there to cover our home, because of this clowns attempt to flood us out, and yes, when we took out the the insurance, it was in early spring after the Oregon rains had stoped,a few months had gone by after our third flooding had accrured and, the agent was aware of the prior flooding. We we're truthful in our applicatation. When we began to flood again in the early months of Oct. and Nov.
we didnt know, or was it ever exsplained that we could have purchased any other insurance. We filed with the Or. Ins. Comm, who backed State Farm, Cliff Nolan, the investagator, told us that we should have read the information prior to the purchase, we explained to him that we we're never told about the size or amount or even had to damage two or more homes. This was some of the most retarded explanations I have ever be given. So I feel that, when it comes to big money in this country, your local gov dont give a d**n, if they lie and cheat. It would only take away their childs college funding.
Now we do have everything under control, we work hard to pay our atty what they need to fight Bozo and his crew of greedy Ins Lawyers, even if its at the exspence of our own childrens college education, because in the long run every picture tells a story. Its just we have video. With Bozo and hiw crew, we have another surprize, its called, with malace. This is where a jury will decide on why he didnt take care of it, when order by the city 2 years later. thanks.

Respond to this report!
What's this?

#4 REBUTTAL Individual responds

thanx for your response

AUTHOR: Francis - (U.S.A.)

POSTED: Sunday, March 19, 2006

Thanks for responding to the problem caused by my flood insurer, the agent knew we we're there to cover our home, because of this clowns attempt to flood us out, and yes, when we took out the the insurance, it was in early spring after the Oregon rains had stoped,a few months had gone by after our third flooding had accrured and, the agent was aware of the prior flooding. We we're truthful in our applicatation. When we began to flood again in the early months of Oct. and Nov.
we didnt know, or was it ever exsplained that we could have purchased any other insurance. We filed with the Or. Ins. Comm, who backed State Farm, Cliff Nolan, the investagator, told us that we should have read the information prior to the purchase, we explained to him that we we're never told about the size or amount or even had to damage two or more homes. This was some of the most retarded explanations I have ever be given. So I feel that, when it comes to big money in this country, your local gov dont give a d**n, if they lie and cheat. It would only take away their childs college funding.
Now we do have everything under control, we work hard to pay our atty what they need to fight Bozo and his crew of greedy Ins Lawyers, even if its at the exspence of our own childrens college education, because in the long run every picture tells a story. Its just we have video. With Bozo and hiw crew, we have another surprize, its called, with malace. This is where a jury will decide on why he didnt take care of it, when order by the city 2 years later. thanks.

Respond to this report!
What's this?

#3 Consumer Suggestion

Sue the agent. Also sue your neighbor, don't just talk to their insurance.

AUTHOR: Mike - (U.S.A.)

POSTED: Monday, March 13, 2006

The other guy's insurance company will ALWAYS stonewall you until long after the cows come home. That is what the other guy is paying them to do. You have to take the neighbor to court and then if you win, his insurance may pay.

Insurance agents can be sued for selling useless insurance. It is called "Errors and Omissions." You told the agent truthfully that you had one home on a little more than 1/2 acre of land, so the policy needed to be one that would cover that. You can sue for the full amount that would've been covered had you been issued the proper insurance.

Obviously any insurance only covers damage that happens AFTER you buy it. In the case of flood insurance there is also an additional waiting period of (I think) 30 days. Floods that happen during the waiting period will not be covered.

Respond to this report!
What's this?

#2 Consumer Comment

Flood insurance

AUTHOR: Richard - (U.S.A.)

POSTED: Monday, March 13, 2006

I had some difficulty following your problem, but it seems like you're saying your flood policy doesn't cover you because you had less than two acres of land. I don't know who told you that, but that is totally incorrect.
Also, if your neighbor did something which caused your house to flood, then it seems you would have a case against the neighbor

Respond to this report!
What's this?

#1 Consumer Suggestion

Hmmm

AUTHOR: Brenda - (U.S.A.)

POSTED: Monday, March 13, 2006

"Now knowing that a neighbor had recently flooded our property, he didnt even make any atempt to tell us, not to take the Ins, because they had no intentions of ever paying the claim, if we made one, which he knew of course we would, and did."

Are you saying that your house was flooded and you want insurance that you got AFTER the fact to cover it? That is fraud.

Respond to this report!
What's this?
Featured Reports

Advertisers above have met our
strict standards for business conduct.

X
What do hackers,
questionable attorneys and
fake court orders have in common?
...Dishonest Reputation Management Investigates Reputation Repair
Free speech rights compromised

WATCH News
Segment Now