Yep years ago we had state farm. We had a roof leak at our business. They sent out their appraiser. We had a hidden camera on the roof and it caught him taking a empty caulking tube and shoving it into the downspout. Shortly after we got a notice that our claim was being denied because our downspout was plugged by a caulking tube. They even sent the appraisers picture. I responded with a clip from the video clearly showing what he did. I got my money in 48 hours. I've never used State farm again and I never would.
How do they get people that are so convicted to the company to break the law to rip off customers. I wonder how their bonuses work. Need new legislation protecting people here
Yes I've been doing claims for 16 years state farm makes homeowners feel horrible when they come out and say they have no damage and what I have ran into too is they DO NOT LIKE TO BE RECORDED ON VIDEO.....if u do they leave the appointment..... their excuses is "we are professionals" only state farm is worried to be recorded
Thank you for your service! So true, its hard to change their mind after they have drawn a line in the sand. State Farm will no longer replaxe shingles around hail damaged vents which allows them to not pay a full roof replacement on a roof that has discontinued shingles.
They refused to let me record on my own house. And cancelled 3rd inspection after the 2nd guy told them I had security cameras. But they never told me they would cancel. They sent me a letter stating: by you demanding to record our adjuster you are not cooperating and are putting the safety of our adjuster at risk... Blah blah blah. I have their sketch and measurements and many items they covered are short LF or SF based on their own sketch. I own a supplementing business and have public adjuster training but wanted to play innocent t homeowner... I have phone records of desk adjuster calling me rude and using derogatory language towards me. And bold faced misleading Information about my policy. Would love some help.
Chad is amazing, and he's got a great demeanor for the work he does. I would be interested to know if in the Ladkin case if the adjuster was an independent or staff. I'm guessing independent, because there aren't a lot of 20 year vets working staff. I'm interested because even though I'm no SF fan, and we negotiate with them every day, I think at least what the adjuster did wasn't necessarily nefarious, or a coordinated plan to not pay the claim. As someone that has adjuster in the field for SF, I would propose an alternate theory. He was tired. The adjuster wanted to write it below deductible, make his notes in ECS, send out the state specific below deductible letter with the bundled estimate (all you SF adjusters know the bundle!) and be done with it. If he had gone above the deductible, he would have had to issue payment, print a check or send it electronically, and that's another nightmare in ECS that he may not have wanted to deal with it. Maybe he didn't have his printer. I'm not saying it's right, you have to pay people what they're owed, and State Farm is responsible for anyone adjusting their customers claims. Just saying that it's likely his motivation was laziness.
I had a new roof put on my house by request of State Farm otherwise they said they wouldn’t cover me. So I had a new roof put on at the cost of $10,000 out of pocket. 4 months later we had a major hail storm. I had the same roofing company come out and look at the roof and they said the turbine vents were damaged and a lot of shingles were damaged. I had the adjuster come and inspect the roof and he said that the hail had damaged the shingles but hadn’t penetrated the tar paper. So he said there was no need to replace any shingles. They cut me a check for $100 for gutter damage and that was it.
I have had two emails from State Farm asking me to do a "Self Survey" on my property for my homeowner's insurance. The Email stated "If I didn't do this myself, they would send a private party to document my Property". They ask that I walk around my property and take/submit photos to them. Would I be shooting myself in the foot or gaining from following State Farm's request? I am guessing not, but thought I would ask. They can easily go to google earth and see what they need to see. BTW, they said in the first email that arrived a month ago, I have a 2 week window or the "Self Survey" would expire. Well, guess what? I received another email stating the same....hmmmmm. Any advice?
Ditch State Farm. They went from the top of the list to the bottom. They are denying my roof claim on a discontinued shingle roof with 200+ of valley metal totaled and all the vents and soft metal, but they won't total the roof.
I’m a former State Farm Employee… I worked in Auto Company. All I have to say about this is they are different corporations based on the type of insurance and the geographic area. So this guy could be specifically talking about State Farm Property in Texas. It might be run differently based on profitability problems. Also, insurance commissioners decide if insurance companies can increase premiums and sometimes the lack of profitability will force their hand on claims decisions. I would also criticize this attorney on omitting how old these roofs were. If the roof is 30 years old and a storm happens the homeowner and the contractor was a new roof paid for. The insurance company doesn’t owe you a new roof if you should have already replaced it. Attorneys are very good at arguing one side while omitting everything else. An interview with an adjuster to get the other side of the story would be interesting. State Farm Texas might be full of it…. But I want to see the whole story.
hmm.. So the insurance company receiving yearly premiums for property coverage that they AGREE to cover, gets to pick and choose AFTER the fact, on what component is too old to pay on? Or is that the INSURANCE company's responsibility to know how old a component of the coverage is, before they AGREE to insure it and collect premiums on it? "Ohhh by the way, the part of the premium we were collecting that covers your roof, actually was just a bonus for us. Now that it is damaged, we choose to say it is too OLD to pay out on. Yes even though you were paying the roof part of your premium Mr. and Mrs. Homeowner." Help me understand how this is fair. Or should the insurance companies be doing their due diligence of inspecting what they agree to insure?
We have State Farm and our policy is for full replace cost. It doesn't matter what the age of a roof is. If it is damaged they pay for full replacement cost.
Yep years ago we had state farm. We had a roof leak at our business. They sent out their appraiser. We had a hidden camera on the roof and it caught him taking a empty caulking tube and shoving it into the downspout. Shortly after we got a notice that our claim was being denied because our downspout was plugged by a caulking tube. They even sent the appraisers picture. I responded with a clip from the video clearly showing what he did. I got my money in 48 hours. I've never used State farm again and I never would.
How do they get people that are so convicted to the company to break the law to rip off customers. I wonder how their bonuses work. Need new legislation protecting people here
I've been passed off to 6 different claims reps in the last 5 months.... STATE FARM SUCKS is an understatement.
3 so far for me since March
6 for me since June. I just sent an email to the CEO and my next step is litigation.
Yes I've been doing claims for 16 years state farm makes homeowners feel horrible when they come out and say they have no damage and what I have ran into too is they DO NOT LIKE TO BE RECORDED ON VIDEO.....if u do they leave the appointment..... their excuses is "we are professionals" only state farm is worried to be recorded
Thank you for your service! So true, its hard to change their mind after they have drawn a line in the sand. State Farm will no longer replaxe shingles around hail damaged vents which allows them to not pay a full roof replacement on a roof that has discontinued shingles.
Interesting!
They refused to let me record on my own house. And cancelled 3rd inspection after the 2nd guy told them I had security cameras. But they never told me they would cancel. They sent me a letter stating: by you demanding to record our adjuster you are not cooperating and are putting the safety of our adjuster at risk... Blah blah blah.
I have their sketch and measurements and many items they covered are short LF or SF based on their own sketch.
I own a supplementing business and have public adjuster training but wanted to play innocent t homeowner...
I have phone records of desk adjuster calling me rude and using derogatory language towards me. And bold faced misleading Information about my policy.
Would love some help.
Big clap for any victory agains State Farm, Chapeau to you sires.
Chad is amazing, and he's got a great demeanor for the work he does. I would be interested to know if in the Ladkin case if the adjuster was an independent or staff. I'm guessing independent, because there aren't a lot of 20 year vets working staff. I'm interested because even though I'm no SF fan, and we negotiate with them every day, I think at least what the adjuster did wasn't necessarily nefarious, or a coordinated plan to not pay the claim.
As someone that has adjuster in the field for SF, I would propose an alternate theory. He was tired. The adjuster wanted to write it below deductible, make his notes in ECS, send out the state specific below deductible letter with the bundled estimate (all you SF adjusters know the bundle!) and be done with it. If he had gone above the deductible, he would have had to issue payment, print a check or send it electronically, and that's another nightmare in ECS that he may not have wanted to deal with it. Maybe he didn't have his printer.
I'm not saying it's right, you have to pay people what they're owed, and State Farm is responsible for anyone adjusting their customers claims. Just saying that it's likely his motivation was laziness.
Body cameras should be required for insurance adjusters lol
I had a new roof put on my house by request of State Farm otherwise they said they wouldn’t cover me. So I had a new roof put on at the cost of $10,000 out of pocket. 4 months later we had a major hail storm. I had the same roofing company come out and look at the roof and they said the turbine vents were damaged and a lot of shingles were damaged. I had the adjuster come and inspect the roof and he said that the hail had damaged the shingles but hadn’t penetrated the tar paper. So he said there was no need to replace any shingles. They cut me a check for $100 for gutter damage and that was it.
Word. We still 18k short and system won't move and adjusters and appraisers wouldn't help.
I'm the policy holder and have a heck of a story
👍Great Videos
Hello Mr. Dmitriy
How do I get a list of lawyers who operate in Charlotte North Carolina?
Thank you
cost of repairs = $5K, cost of litigation = $15K
I have had two emails from State Farm asking me to do a "Self Survey" on my property for my homeowner's insurance. The Email stated "If I didn't do this myself, they would send a private party to document my Property". They ask that I walk around my property and take/submit photos to them. Would I be shooting myself in the foot or gaining from following State Farm's request? I am guessing not, but thought I would ask. They can easily go to google earth and see what they need to see. BTW, they said in the first email that arrived a month ago, I have a 2 week window or the "Self Survey" would expire. Well, guess what? I received another email stating the same....hmmmmm. Any advice?
great job.
They never inspected our roof before covering it. Does that mean anything?
My parents had 2 hail events on their house in a single year and their insurance provider dragged their feet too.
Ditch State Farm. They went from the top of the list to the bottom. They are denying my roof claim on a discontinued shingle roof with 200+ of valley metal totaled and all the vents and soft metal, but they won't total the roof.
25:38
I’m being sued by State Farm for $10,000 dollars because they believe they spent more money fixing a car I never even damaged I need help
I’m a former State Farm Employee… I worked in Auto Company. All I have to say about this is they are different corporations based on the type of insurance and the geographic area. So this guy could be specifically talking about State Farm Property in Texas. It might be run differently based on profitability problems. Also, insurance commissioners decide if insurance companies can increase premiums and sometimes the lack of profitability will force their hand on claims decisions. I would also criticize this attorney on omitting how old these roofs were. If the roof is 30 years old and a storm happens the homeowner and the contractor was a new roof paid for. The insurance company doesn’t owe you a new roof if you should have already replaced it. Attorneys are very good at arguing one side while omitting everything else. An interview with an adjuster to get the other side of the story would be interesting. State Farm Texas might be full of it…. But I want to see the whole story.
hmm.. So the insurance company receiving yearly premiums for property coverage that they AGREE to cover, gets to pick and choose AFTER the fact, on what component is too old to pay on? Or is that the INSURANCE company's responsibility to know how old a component of the coverage is, before they AGREE to insure it and collect premiums on it?
"Ohhh by the way, the part of the premium we were collecting that covers your roof, actually was just a bonus for us. Now that it is damaged, we choose to say it is too OLD to pay out on. Yes even though you were paying the roof part of your premium Mr. and Mrs. Homeowner."
Help me understand how this is fair. Or should the insurance companies be doing their due diligence of inspecting what they agree to insure?
@@markgodaire3319 insurance covers damage, replacing a roof is part of maintaining a property. How you framed it is wrong.
We could debate this for hours haha. I respect your opinion but just feel differently. Thanks for commenting in a healthy way though!
We have State Farm and our policy is for full replace cost. It doesn't matter what the age of a roof is. If it is damaged they pay for full replacement cost.
@@johnlyn1 nope, never, reread your policy.