Wednesday 6th of February 2019 06:44:17 AM
Beware of Farmers Insurance! They will do anything to earn a dollar and not pay a claim: Tell lies, ignore coverage, misrepresent facts, dodge inquires, fail to conduct with integrity a full investigation, and fail to provide clear reason for denial supported by applicable policy provisions. I filed my first property claim, 5 years paying, under my homeowner’s policy: Section 1, Coverage C Personal Property, “we insure accidental direct physical loss or damage.” Loss or damage means theft or distinct and demonstrable actual physical injury to or destruction of the property." My hand was struck and caught in a pool vent that altered my ring, loosen the diamond and it caused it to fall out. My claim was to reshape band and replace the 2 carat diamond.Farmers denied the claim, without investigating, examining the ring or photos. In their first denial letter, (Alexandra **), failed to list the "Accidental Coverage Provision," or reason for denial. Instead, they simply copied from the policy, without explanation, inapplicable exclusions. After they stated that I reported “ring damaged when reaching into a vent,” they immediately proceeded to dishonestly claim that “lost was unknown" and "losing or misplacing items is not a covered loss.”After questioning their failure to address the “accidental coverage" and misrepresentation of the facts, they finally sent a 2nd denial letter, that included the policy "accidental coverage provision." However, this was done without explanation or reason as to why said coverage did not apply or why they chose to misrepresenting the facts. They pursued this dishonesty by bringing forth different representatives, Michael **, Shaun **, Brititini **, & Adam **, who made up different versions of the claim facts and lost, dodged questions, told outright lies, and refused to acknowledge “accidental coverage” provision.After resorting to e-mails, to stop the dishonesty, I finally stated that Farmers were not operating in “good faith,” and would like to verify Farmers' administrators addresses, so I could file a complaint. They responded, "We have hired attorney, James **, and "all further communication must be directed to him."" Interesting, this attorney, sent a letter, identified my claim as a “theft claim, not accidental, and never explained why Farmer had hired him. I had already submitted my complaint to three of Farmers’ administrative officers, Jeff **, Keith ** and Tim **, all failed to respond. The attorney finally responded, “although correspondence was prior to him being retained, Farmers requested that I respond.” Of course he stated that Farmers denies "allegations of bad faith, etc."I submitted this complaint to the Insurance Commissioner and Better Business Bureau. I am still awaiting a response from the Insurance Commissioner. Farmers responded to the BBB with even more outrageous lies, claiming, that "diamond was lost," "constant wearing of the ring had worn it out and it failed to hold the diamond," too contradictorily stating, I have "not, in fact suffered a loss of the diamond as she is aware of its location." This is sad!Needless to say, I canceled all three of my policies: home, auto and golf cart, all had endured price increases every year, only to find out that I would not receive a refund on my golf cart. Farmer’s (Agent Kevin **), without asking or informing, had insured the golf cart under a “fully-earned” premium. The insurance co. had immediately earned full payment, regardless of when policy was canceled. No refund. Who does this?STAY AWAY or RUN AWAY FROM FARMERS. We the public, need to let Farmers that we truly know a thing or two about dishonest insurance companies that go to any length, to rip off and con honest people, just to increase their profits. Then hide behind attorneys for egregious acts that they have committed. Shameful and the SWAP must be drained.