state farm home owners insurance unfair practices not following policy indpls indiana

before the person that replied better live in the same problem likemine. i did contact the indiana state board of insurance they told me it was to far for them to look at it there was to much to get involed. they just i file a complaint with state farm complant department and write the president of state farm it did not do me any good. then they suggested the media.

 the media is one side here they discrimate who they help and who they do not. let me give you and example. i wrote and called the media station here but was totaly ingnored. but yet they helped a man with the same problem that was another race.

then i tried to get attorney had to they stoppped because it wasa waste of thier time even though they came out and said i have a case, and its over 25,000. they both said state farm never returned thier call or even wanted to work it out.

so i'm still tring.

Sounds like your blood pressure is 250/110 as you wrote this complaint. Agreed they may have paid your limits under a homeowner policy with limited coverage afforded for water, if any. I would assume since they paid at all, they are not considering this as flood or surface water but back up of water? sewer pump backup? etc.  In either event they have confirmed some coverage here. If you signed an AOB-Assignment of Benefits away to SERV PRO or other pet contractor beholding to State Farm for their busienss as a preferred vendor, you must go after them for bad repairs, not State Farm. If SF actually did send them out to you to use, you may be able to leverage that issue and bring the adjuster into the picture. Likely you dont know how much was paid behind the scenes for the actual full repairs and cleanup if the money went direct to the contractor. Demand a copy of all repair bids itemized and copies of all checks. They must give you a Statement of Loss, even the IDOI will enforce that issue.

I would suggest you hire an Indiana Claim Advocate that can put your claim together from scratch and define the adjustment flaws and errors and do an impartial appraisal not made by contractors working for State Farm. They have an inherent conflict of interest in every claim being hired by SF, but will try to tell you they work for your Best Interest while protecting their long time interest for work from your insurer. It never has been fair...

A claim advocate will charge a 10-15-20% fee of the recovery amount but you owe nothing unless they make a recovery.They can spend months and hundreds of hours for naught sometimes at their own expense, but there is no fee unless they win a recovery.  There is never an up front cost to you for them to represent you. And if they dont win any recovery for you, you owe them nothing. There is more to your claim than writing a bid, there are hundreds of nuances to every claim involving underwriting, loss control and rating of your risk. Get a "Second Opinion" to see if your loss was properly adjusted and all damages considered for retail cost, not low balling giving you cheap repairs.

The Claim Advocate 

 Do you have ACTUAL flood insurance? 95% of all home owner policies DO NOT include flood damage. Or YOU have reached the amount YOU have paid for. If that is the case then there is NOTHING anyone can do for you. Its ALL based on how much insurance YOU have purchased.