Thursday 29th of June 2017 06:22:16 AM
In March of 2016, Direct line winds took the center of my flat roof off, it rained for the next 90 days causing my home to flood every single day. Everything I owned was soaked, dropped ceiling tiles soaked fell sending debris and belongings flying everywhere. April, a FB adjuster came out and spent 45 minutes on the roof and walking thru my home, then May 2016, I received his first estimate, WOW what a shock, his estimate including my $9,815.00 deductible came to 32,000 dollars, he left off 2 bedrooms, kitchen and a hallway. I complained of the facts and after awhile now June of 2016, I received his 2nd estimate, upped to 40,000 dollars, still left off the same 2 bedrooms, kitchen and hallway. He told me that 40,000 dollars was a lot of money for a 1200 square foot home. "Zack," I said, "I'm sure it is, but, I don't happen to have a 1200 square foot home, I have 3370 square feet." The roofer and my adjuster got together, as he only had 10k in for the roof, the roofer gave him an invoice for 22,200 and agreed to do all the other repairs inside my home for the 6k on insurance estimate. WOW again! 3 Contractor's bids for $229K to $249K to make all the repairs, meanwhile, I am living in tubs, the brand new roof leaked and FB's adjuster refused to acknowledge the scope of damage and the quality of materials, my policy, replacement cost. I wrote the VP in Waco a letter, the same day I received the 4th estimate, (the roofer brought me the 3rd), I sent all 4 to him along with my letter letting him know of the wide difference of damage, his adjuster's unwillingness to change his estimate and if this young man had done other folks like he had done me, then shame on them - adding this undue burden on top of living in total chaos for now going on 1 year, where was the good faith and willingness to make me whole again. According to the VP it was not usual to change adjusters but they did not like hearing some of the reality of what was in my letter but they would assign a more qualified and experienced adjuster, he would be in touch. Oh he was, Guy made several trips to my house, he wanted to go over the estimate that was at 65k now. Trouble with the estimate, my 47 linear feet of kitchen cabinets only showed 12 and they were in the dining room, hall was included in the sitting room and still 2 bedrooms were missing along with my 5 inch stained baseboards, crown moldings and boxed beams, no ceiling tiles or insulation or paint for walls...hmmm.I had given up trying to sort out my house line by line on this unreadable estimate. He never had the dimensions of a single room right. From looking at it, it wasn't my house they were estimating and combining rooms didn't help either. With the help of a friend we measured and drew a diagram, which I sent to the new adjuster. He NEVER made one change on the estimate, he would go back to his office and after couple of weeks call and come out again, replaced one bathroom, 6100, both bathrooms total 11,000. Here's the paid invoice, he left, still no change. 110 days before my time limit he came, sat down, "I've good news and bad news, we no longer want to go by the line items (they ruled everything). They are just too much, we want to negotiate." WOW. Well, I'm not in a negotiating mood, I want to be made whole, just like I was prior to the damage. Guess we will have to go to court. He went back to his office going to see what could be done. A month passes, well we know where that's going, March case closed... So I sent a Demand for Settlement, damages 20% beyond insurance limit qualifies it, 4 weeks before his manager, Daniel invokes Appraisal, okay, I send him my adjuster's info, nothing, more nothing, I send email, haven't heard anything, him: he'll be in touch. Day before deadline I have to file a lawsuit, 2 weeks later I hear from his adjuster, he will be out next week, WOW you should see his estimate, up 20K but still 120K apart. He didn't try to replace my damages with like products, Travertine countertops, nope, he said Formica. Don't know how he expects to pull cultured marble out of a bathroom and put it back, but I guess you can do anything on paper! FB has been the worst experience ever. I wouldn't do business with them if they were the only game in town. They have not tried to make a decent estimate to repair my home. I paid them for 10 yrs. They have breached their duty and contract, adding unreasonable burden and expense. Their Appraisal adjuster's note sent with his estimate...ready to go to the umpire? Go figure, and he named the umpire! So we shall see, I have a lawsuit and all of this should have been taken care of within a timely manner, hmmm.I only hope that they each and every one have something as devastating happen to them and walk in my footsteps for as long as they make me walk in theirs. Good faith, timely manner, they need to learn the definition. The public needs to know how these companies behave and cheat you. What a fraud the Tx Insurance Commission is, like the State Bar or Banking Commission. If you have a valid complaint of illegal performance from an entity, they write them a letter asking the culprit to make nice, waste your time another 30 to 45 days and send you a letter stating, There's nothing they can do, we ask them to make nice and they said no. False sense of security, so buyer beware, stand up for yourself, pray for honest help and not get raked over the coals in the meanwhile. Sad this country's sunk so low. How do people sleep at night or look themselves in the mirror, I don't know.This is common practice I have found, Harvey swept thru and endless counties of people, thousands of people, 30 cents on the dollar, what can you do with that? Can't rebuild, struggle to pay the bills that keep coming, add expense to play the insurance companies game, add more to go to court, pay a lawyer and hope he's worth the money. Good luck with other companies but I say stay away from Farm Bureau, they don't care about anything but your money!My reason for this review is to disclose Farm Bureau's full intent is to not fully pay their claims, to not communicate and drag out your claim, limiting your options; to sue if need be is over, they are experienced and count on your honesty, ignorance or goodwill, and know you are living in chaos while struggling to repair or rebuild without them dealing in a fair and prompt manner, deliberately letting weeks go by without contacting or following thru, making you the bad guy if you do. I would rate them a tip of a star if I could, they don't deserve a whole star.