Complaint / review text:
I had my roof checked by two roofing companies because our home is 16 years old and I wanted to find out the condition of my roof. We had a storm in May and the roof leaked. I had State Farm out and they denied a roof problem.in other words, they would not cover the roof.in June, we again had a storm in which hail of golf ball size came down and the roof leaked in more places - in fact my husband had a bucket under one of the leaks. I called State Farm Insurance and they said if they came out again, the claim would be closed. So, I called headquarters to see what could be done.
My roof continued to leak - finally, I had the roof replaced because I didn't want damage. State Farm gave me a credit of less than my deductible to fix the walls and ceilings in the areas that leaked. My neighbors across the street, in fact three, had roofs replaced by their insurance companies. They did not have leaks but some of the roof had blown off. The roofing company that replaced my roof said that I didn't need a roof. He said the people across the street didn't have the high quality roof I had.
My question is, if I don't need a roof when the roof is leaking in several areas that are unrelated to each other, then why is it leaking? State Farm says, "Well, you have to maintain your roof." Okay, I did have the roof checked by Allen Roofing and Richardson Roofing and both roofers said the roof did not need to be replaced. State Farm has run me around and around about the roof and so far it's my problem. I have had State Farm Insurance for over 44 years and have had very few claims - I guess that's why I thought they were a good choice.
I would never use them again. We are going to be busy for the next month and then I plan to review insurance companies at that time and make a change. The thing I did wrong was not getting more roofers to look at the roof but if I didn't fix the roof, I'm sure State Farm would say it was my problem for letting the roof continue leaking and they still wouldn't pay for the roof or the inside of the house. So now, they will pay for the inside but according to them, it isn't only against my deductible. I'm still campaigning because it is all in the adjuster's hands and to hell with the customer. Like I said, across the street, State Farm paid for the roof because they could see the shingles and some damage, and they had a different adjuster.