Anyone dropped from State Farm Insurance (home) after filing claim?

I use State Farm, they will not drop you.

They may question that the house is owner occupied though, that is a lot of damage that could only (logically) happen if no one was in the house.

Just go for it and don't be nervous, shold they drop you there are many more insures about, it won't affecty your ratings or anything.

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RE:

Anyone dropped from State Farm Insurance (home) after filing claim?

We live in NY (Long Island) and recently came home from vacation to find a bad flood, caused by a washing machine hose which broke from wear and tear. There is damage, both upstairs and down. The washing machine is upstairs in the kitchen, and there was water in a few rooms which damaged carpeting and walls - not too horrible. The worst was downstairs where the water caused the ceilings to collapse in two rooms. Needless to say, this will wind up being a large claim. How nervous should we be about being dropped? State Farm is sending a second person to look at the damage, after receiving the estimates from the restoration company and flooring contractor, in order to approve the work. We have only had one other small claim, for a lost wedding band, 10 years ago. We have three other policies, in addition to our home insurance. Thank you for any advice you can give.

It would be a blessing if State Farm dropped you. This is the same company that got hit with putative damages post-katrina for concealing expert reports that found damage was covered, and then sent in new experts that found that damage was caused by flooding and therefore not covered.

As a NY attorney that has been handling insurance claims for almost 10 years, I can say that this is the same company that operates in NY. They may cover this claim, but as a whole, this company fights legitimate claims more than any other insurance company. Less than 10% of my files are for claims against State Farm, yet they take up more than 60% of my time b/c every claim is a fight. In fact, very few no no-fault doctors will treat you if you have State Farm because every claim is a fight.

That is a joke! I have been insured with State Farm for the past six years. We had two bad storms that caused some damage, not really too much. But our house was robbed last year and they paid out 9K. Now they are dropping me. I have five cars and an umbrella policy too. I will never use State Farm ever again and would suggest that everyone dump them!

~~You don't need to worrry. I had a claiim at least as bad or worse than yours and our premium never even went up. This is the huge plus as to why you stay with one insurance company and don't jump around. We have had several smaller claims with them and still no problem. We've been with them for 30+ years, and never a problem, receive great discounts, and our claimss are paid promptly and our needs always taken care of. This is why I recommend them so highly to everyone I know. You will be fine, don't worry a moment about it. Our claim in 1998 was about $18,000.00. Never affected us by an extra penny (except for the deductible of course), they were just wonderful!

You'll have to ask your agent. Normally, you need two claims inside of three years, to get dropped. My personal house insurance is with State Farm, and we had three claims inside of three years, and didn't get dropped.

Your last claim was many years ago, so I would not worry.

You will only lose the claims free discount for a few years, but that's ok. They will not drop you.

grant a catalogue of things and study the values and have them waiting earlier than time. Get a police record and in case you have substitute expenses insurance there should not be any themes, except the adjuster is incompetent, which does ensue on occasion.