The Home-Insurance Coin Flip: Nearly Half of Claims Result in Zero Payout

[Historic NY]

17. State Farm is not like a good neighbor, they suck

A 2 inch crack in a sewer pipe was allowing water to flood the basement. Water kept permeating and following the pipe the lateral pipe in the front yard. They said I should have known what was going on underground.

A solar company ENRG had improperly installed the panels on my roof, the sold to to another than another company. There lag bolt mount penetrated the splines of my tongue and board roof underlayment. That caused the mounted to moved up and down eventually splitting the board which allowed water to come into the house. We were have heavy thunder storms with gust up to 50mph. That was picking up the panels. I should have known...
Meanwhile the solar panels had to be removed by a company license only by the leaseholder. They gave my roofer 3 days to have the roof repaired, before they had to be reinstalled. The leaseholder is a company in Texas, Spruce with a dismal history. SF said I should have only repair the one section. It was like getting half a hair cut on the 30 yr textured.shingles. I ate the combined cost of 17k .

SF no longer has a regional office in NY State its send in all out to Illinois. They kept passing the claims around like it was a hot potato. Its the so sue me attitude. I over 50 yrs they paid one claim here, my uncle drove through the garage door, yup and hit the back of my 47 Chevy and drove it forward into the back wall of the attached garage. They didn't pay for the house damage they paid for the car damage.

My agent he is just the collector of premiums. I've tried to find a new company but that is next to impossible. I pity the folks in other states that keep getting hit.