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State Farm is being dickish again. The sun came up today, too. Before I lay that out to continue my copious documentation, I just want to give a shout out to my agent who is probably reading this now: SHAME ON YOU.
Another before: King's birthday still cursed. No house fire today, thank goodness. We are all grateful to have passed the anniversary, King with trouble at work, Boy with the house keys and my only car key with him at school, and Girl and I locked into the house.
I didn't mentioned we were locked in the house?
Boy got the keys because SUMMER left them on the kitchen counter instead of bringing them back to me. Not pleased with that, but it did give me a perfectly good reason to hang at home and make King's birthday caked and gift.
So. State Farm.
Our agent has refused to sit down and talk with us. Oh, strike five or so.
We have a flag dropped on our latest claims because we've just now put in for the washer/dryer, the big table we had to toss because of smoke and heat damage, and (probably) the fridge. The big ticket items.
The reason, explained by our agent today, but not explained yesterday by Agent Friendly in claims, is because, well, how did we replace them before now? Uhhhhhm, with money? How do they know we didn't just clean up what we had and are using it? How do they know we threw it away?
They have copious notes of their own, in which their adjuster did say the house was a total loss.
Apparently, another problem is we were a "difficult" claim. "You called every week." This is not true, although we did call often.
We called because the adjuster started off his relationship with us by remarking that King was white. (He's 50% South American Native with fair Irish skin, actually.)
We called because the adjuster, instead of explaining things beyond "you have two years" and telling us about the lady who tried to say she had Victoria's Secret panties when she really shopped Wal-Mart, was totally confounding us.
We called because our adjuster was having a tiff with the property management company and putting us in a spot.
We called becayse we were robbed. I didn't know how the fuck to file that claim, beyond "call your agent and find out."
We called because a contractor was trying to pressure us into signing an agreement to build before he walked in the house.
We called when we discovered plumbing problems and needed to see if they were covered.
We called when we were having an issue with the builder. Since it's State Farm's and our money, I guess we thought we should be diligent.
It was also remarked on that we'd had two agents. We, um, had two because the first one was SENT OUT OF THE STATE to work on hurricane claims. This "difficult" is not our problem, nor did we cause it.
It was remarked on that two OTHER clients weren't problems. One called when the house burnt, and again when they moved in. Another called when the house burnt, and they never heard from them again.
I seriously doubt those clients had any pets who died in the fire, who had two special-needs kids who needed a lot of care afterward, had PTSD, and who camped at their house every day making sure the subcontractors didn't cut corners and cheat us or State Farm.
Here's the next steps:
Call Texas Insurance Comission. share all, tell them our agent refused to sit down with us and talk. Tell them our agent is now questioning the veracity of our claims because we waited a year to file.
Get a letter from my doctor certifying I have PTSD. It's a little hard to deal with life when you see dead cats all the time.
Consider a long letter to agent when everything is done. We've been with him since we moved here. First, we insured our vehicles with him. When we bought our house, we took our business to him again. And this shit is our reward for putting our children and ourselves first, before making claims because we were told repeatedly we had two years to make.
IT'S SHAMIN' TIME!
Another before: King's birthday still cursed. No house fire today, thank goodness. We are all grateful to have passed the anniversary, King with trouble at work, Boy with the house keys and my only car key with him at school, and Girl and I locked into the house.
I didn't mentioned we were locked in the house?
Boy got the keys because SUMMER left them on the kitchen counter instead of bringing them back to me. Not pleased with that, but it did give me a perfectly good reason to hang at home and make King's birthday caked and gift.
So. State Farm.
Our agent has refused to sit down and talk with us. Oh, strike five or so.
We have a flag dropped on our latest claims because we've just now put in for the washer/dryer, the big table we had to toss because of smoke and heat damage, and (probably) the fridge. The big ticket items.
The reason, explained by our agent today, but not explained yesterday by Agent Friendly in claims, is because, well, how did we replace them before now? Uhhhhhm, with money? How do they know we didn't just clean up what we had and are using it? How do they know we threw it away?
They have copious notes of their own, in which their adjuster did say the house was a total loss.
Apparently, another problem is we were a "difficult" claim. "You called every week." This is not true, although we did call often.
We called because the adjuster started off his relationship with us by remarking that King was white. (He's 50% South American Native with fair Irish skin, actually.)
We called because the adjuster, instead of explaining things beyond "you have two years" and telling us about the lady who tried to say she had Victoria's Secret panties when she really shopped Wal-Mart, was totally confounding us.
We called because our adjuster was having a tiff with the property management company and putting us in a spot.
We called becayse we were robbed. I didn't know how the fuck to file that claim, beyond "call your agent and find out."
We called because a contractor was trying to pressure us into signing an agreement to build before he walked in the house.
We called when we discovered plumbing problems and needed to see if they were covered.
We called when we were having an issue with the builder. Since it's State Farm's and our money, I guess we thought we should be diligent.
It was also remarked on that we'd had two agents. We, um, had two because the first one was SENT OUT OF THE STATE to work on hurricane claims. This "difficult" is not our problem, nor did we cause it.
It was remarked on that two OTHER clients weren't problems. One called when the house burnt, and again when they moved in. Another called when the house burnt, and they never heard from them again.
I seriously doubt those clients had any pets who died in the fire, who had two special-needs kids who needed a lot of care afterward, had PTSD, and who camped at their house every day making sure the subcontractors didn't cut corners and cheat us or State Farm.
Here's the next steps:
Call Texas Insurance Comission. share all, tell them our agent refused to sit down with us and talk. Tell them our agent is now questioning the veracity of our claims because we waited a year to file.
Get a letter from my doctor certifying I have PTSD. It's a little hard to deal with life when you see dead cats all the time.
Consider a long letter to agent when everything is done. We've been with him since we moved here. First, we insured our vehicles with him. When we bought our house, we took our business to him again. And this shit is our reward for putting our children and ourselves first, before making claims because we were told repeatedly we had two years to make.
IT'S SHAMIN' TIME!
