State Farm of Heartland/State Farm not acting in Good Faith

Posted Sat September 17, 2011 2:08 pm, by candy g. written to State Farm Insurance

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I submitted notice of my claim to State Farm. It is now past 30 days from the damage date. I have informed the claims manager it is 30 past the date of the claim.
I have now sent clear and specific inventory and fire and smoke damages loss to my property.

State Farm staff at Heartland Fire/State Farm staff have used repeated undervaluing attempts. They have done this by creating disputes with imaginative evidence. Importantly, State Farm staff employees have tried to delay my claim, and have tried to reduce my claim considering State Farm as the party of more interest to my claim and benefis.

Further attempts to reduce my claim will result in my fiing a claim with the Wisconsin Insurance Commissioner that State Farm not acted in good faith to effect prompt, fair and equitable settlement of my claim Further attempts to reduce my claim will also result in my filing a case for punitive damages for distress sustained to me over the mistreatment of my claim.

I think that State will unreasonably withholds the allowed benefits for my claim. I will not tolerate any further treatment of this nature by the staff. I will immediately request dismissal of the current staff from my claims case due to further bad faith actions by the staff. I will request that State Farm assign a new new claims person to my claim through State Farm.

I want fair and equitable treatment of my claim that pursues my interest in the amount of my claims loss. State Farm is to stop harassing me. State farm is to pay in full my claim

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Re: State Farm of Heartland/State Farm not acting in Good Faith by olie Posted Sat September 17, 2011 @ 6:05 PM It could also be that the fire is of suspicious nature, and State Farm wants to be sure everything is legit before paying out. The "harassment" that you complain of may be their way of making sure you had nothing to do with the fire's origin. Reply Re: State Farm of Heartland/State Farm not acting in Good Faith by olie Posted Sat September 17, 2011 @ 5:52 PM I wonder if OP has "replacement" coverage for the damaged/destroyed items. That coverage is a bit more expensive than the standard coverage, but it pays to replace items with brand-new stuff. Standard coverage uses depreciation. So, for example, if my 27-inch old-style TV, let's say 5 years old, was destroyed in a fire, my replacement policy would pay for a new 27-inch TV. I'm not sure if you can even buy an old-style TV any more, but flat screens are a lot less expensive than they were 5 years ago. If, on the other hand, I had a standard policy, the adjusters would start with the price I paid for the TV. If I can't provide my receipt, they'll set a baseline price. Then, they'll figure out how much that TV is worth TODAY. That exact 5-year-old TV. They would use depreciation and possibly re-sale prices as guidelines. I'd be lucky to get $50 as replacement value. Reply That's what I was thinking... by Harleycat Sat September 17, 2011 @ 10:50 PM maybe there's alot on their plate ? by Bill R. Posted Sat September 17, 2011 @ 4:23 PM candy g., I hope you hear soon. Could it be that you are in an area that has been hard hit with insurance related damages/claims and they are working the back log? BillR. Reply Possibly.. by Harleycat Sat September 17, 2011 @ 5:14 PM