Farmers has high homeowners prices in CA because they are one of 2 insurance companies that will insure homes in wildfire areas. That\’s where I sell H/Os for Farmers. State Farm won\’t sell, AAA won\’t sell, Allied non-renewed all its policies here, and on and on. If you\’re going to insure the areas prone to catastrophe you have to bring in enough premium to pay for the catastrophes.
As for consumer complaints, what percentage of those who complained had read their policy and knew what they bought? They\’re contracts! Doesn\’t anyone complain after their divorce about the terms of their pre-nup? I think they probably do, but Consumer Reports isn\’t doing a survey on them, are they.
It seems funny to me that all of you in the business complain about taking in premiums and paying less in claims when I know every one of you sells policies on the basis of a company\’s AM Best rating: which stands for— how much money the ins co has in the bank.
You sound like a bunch of socialists. Contract not fulfilled by both parties? Go to court.
What was consumer reports sample size? Why is everything on your site several years old? Why did the mayor of Beaumont TX state \”Farmers has done more for this city and state than anyone else\” after the hurricanes? Whyd did J.D. Power and associates give them their stamp of approval? Maybe it is because they do good things and assist others.
To the follow who said I will get screwed in the future, NO, I wont. I am knowledgeable enough to read and understand what a policy covers. I am smart enough to know if I need more coverage. I am intelligent enough to understand there are reasons why not everyone can be pleased after an accident. I am sure you will flame me for my thoughts, but that is fine as this is a \”gripe site.\” I just found it humerous that a group of people, who are obviously confused, complain about something it appears they have no understanding of in the first place. The majority of complaints are \”I did not get a rental car the day of the wreck,\” \”My car is not fixed yet\” or \”they low balled me on my injuries.\” PEOPLE, this is why you have insurance. If Farmers is not or was not your carrier, you have no room to complain, call your own company. Your policy states you must contact your insurance company after an accident and notify them. This is the reason you pay a premium, for protection. NO INSURANCE COMPANY will pay for repairs of a vehicle or a rental vehicle until liability is determined. Would you want your carrier to pay for someone else\’s damages if you did not think you were at fault? NO, you would want them to complete an investigation. Again, this is why you have insurance. If you are insured with Farmers and you were wronged you have a justified complaint and I would encourage you to speak out about it. I get the feeling half the people on this site, and the one about Allstate, and the one about State Farm, Progressive, Geico, and American Family are not insured with those companies. They are mad because they want them to pay for a benefit they have not paid premium for with investigating what happened. Just my own observation.
I apologize to those who have true complaints, I would encourage you to take the necessary steps to get them resolved! To everyone else, grow up and get a life. To the \”Webmaster\” I am not frustrated, I am actually amused with how one alter, change, and dress up a fact to for their own benefit. I hope you win an award for your site, it is clear you spent a lot of time on it….to bad the majority of it is fiction or quoted from people who provide you with half truths.
I hope you all have a nice day and I am sorry for the long response
Farmers does have a good home product and no company anymore will roll the dice on homeowners underwriting. Farmers AM Best rating has been up and down.
Farmers was a good company…I think when the world got expensive and complicated they lagged behind…and then panicked. WHen they panicked they ruined lots of agents\’ lifes because they did not care whether the agents survived or not The company appeared to look the other way for
certain agents.
When the agents protested these changes they were told to get 6/63 and sell life insurance, shut down your office for a day and call everyone in your book for retention but don\’t open the door if they happen to walk in that day etc..
I wish you the best in your career and hope the company has got their stuff together so you can pay your mortgage and feed your family.
The fine is from California DOI. The violations occurred in California. The poor policyholders who complained are in California. The Company acknowledged the fine, just as they acknowledged their illegal treatment of their own employees (that case cost Farmers $40 million and tons of bad presshere in California). The Farmers agents in Texas have so quickly forgotten the mold litigation in their state that caused Farmers to lose another legal judgement and then withdraw from the Texas market. Yeah, Farmers is looking out for you. Farmers technology (Dashboard aka \”Trashboard\”) is an industry joke. Good luck at your next DM meeting. Keep those life apps coming.
I WAS AN ADJUSTER FOR 20 YEARS; FOR THE LAST 23.5 YEARS AN ATTORNEY. I PRESENTLY HAVE CLIENTS WITH A UM CLAIM. FOR 1 THE OFFERED $800, $1,600 & $3,OOO FOR THE OTHER 2 THEY DENIED THEIR CLAIMS. WE DISCOVERED THE RESPONAIBLE PARTY DID HAVE INSURANCE. WE SETTLED WITH THEIR CARRIER FOR $15,OOO FOR ONE CLIENT, $10,OOO FOR A SECOND CLIENT & $5,000 FOR THE OTHER WITHIN 1 WEEK. NOW WE ARE GOING TO SUE THE FARMERS INSURANCE GROUP FOR 1/10th OF 1% OF THEIR TOTAL ASSETS.
Great! Now we have a PI lawyer spouting off about who knows what. Please crawl back under the rock from which you came. Hope Farmers ties you up in court for years. I\’m not a fan of Farmers, but I HATE PI attorneys more.
So what did a trial lawyer do to you that has you so upset? By the way did you know that two anti-Trial Lawyer Senators, Sen. Lott from La. and Sen. Santorum from Penn.just hired trial lawyers for Lott\’s insurance claim regarding Katrina and Santorum\’s wife\’s claim for chiropractic malpractice? (His wife is asking for $500,000 even though he is pushing national legislation capping it at $250,000–he rationalizes it by saying he has seen her suffering–fairly hypocritical but I digress) I guess when you need to fight an insurance company you need a trial attorney. So what did a trial attorney specifically do to you to get you so upset or are you just listening to the Industry propaganda?
Acknowledge, yes it appears they did – unlike the other carriers who paid fines for the same type of instances. CA DOI runs these types of inquiries yearly on ALL carries, it is a way to increase there budget. This is nothing new to the Mercury, progressive, Safeco, etc….
They acknowledged the bad treatment of their employees? Are you aware of what the case entailed? If not, let me help you out a minute. The case was over changing claims adjusters (ALL CLAIMS ADJUSTERS IN THE STATE) from salaried to hourly employees, the same as lets say a mill worker. This means they now have to work on time cards, which if you ever had to do this sucks. Those few employees caused an entire state to degrade the status of a profession. I would much rather work on a salary, pick my hours – have the ability to help customers when I wanted, and not be a on a time clock.
I guess now would be a good time to share information about myself. I am an independent adjuster who was worked with every major insurance company in this country. I hold licenses in every state and have seen how every insurance company operates in every part of the country. I would say, with the utmost certainty that Farmers is one of the better companies to have a claim with. If you would like justification read up on the recent tragedy on the Gulf Coast (I know because I was there for 120 days working for a different carrier that was providing lack luster service). Is Farmers disputing flood damage vs. wind damage like the other major carriers, NO. Were they the first in the area, YES. Did there adjusters weather the storm so they could deploy immediately, yes! Did the other carriers no, they arrived several days later. I am sure some on hear will say or think \”He is a corporate mouth piece for the insurance industry\” \”He has been brain washed to screw the people.\” No I wold beg to differ, I go out of my way to ensure people understand there coverage, policy, and settlement. Why because I care and truly want to see people get what they are entitled too. However, I do not like to see people complain because they were not put in a better situation then they were prior to the loss. You have coverage to place you back to your current status, not elevate you. Hell, as an IA I would benefit my giving you more money as I am paid on the amount of claims I settle (i.e., the bigger the check that I write the bigger the pay check I receive).
Finally, I will address the issue with TX Mold. Farmers did what the other carriers were about to do, pull out if the circumstances did not change. Prior to the new legislation insurance carriers were spending 20-50 cents more on every dollar in premium than they were collecting on Homeowners claims because of MOLD. If you have ever been to TX you know it is humid and everything will mold with time without proper care. How can ANY company stay in business when you spend that much more money than you take in? You cannot, it is impossible. The TX DOI realized they could not fund the state insurance with the current policy because they knew it was a loser. They, along with other insurance carriers, drafted a policy that would provide adequate coverage and in most cases reduced customers premium. The entire state of TX was being penalized by MOLD claims in there pocket books. Insuring for Mold in TX was like insuring against termites, if you do not do something to prevent it (humidifier) it would destroy home/property.
You say, “Those few employees caused an entire state to degrade the status of a profession.” That’s a load of crap! Farmers Insurance is ruining people’s lives! Anyone and everyone who comes into contact with Farmers from employees, agents, adjusters and its customers are all complaining. I just received an email within the last week from an overworked Farmers Insurance adjuster. You can see it here: http://www.farmersinsurancegroupsucks.com/phpBB2/viewtopic.php?t=45
“Work on a salary and pick your hours?” Ha! You don’t pick your hours when you have 12 or 14 hours of work to do in a day. The adjusters took a stand and won! They are now paid overtime; this is GOOD for the employee. You can try and twist the words and situation, but when all is said and done, Farmers Insurance lost and on top of that \”Judge Jones further found that Farmer’s actions were willful and were not taken in good faith\”. Farmers Insurance Adjusters want to unionize, but Farmers Insurance won’t let them, so they can continue screwing them. Sounds a lot like Wal-Mart without all the publicity.
You say, “I would say, with the utmost certainty that Farmers is one of the better companies to have a claim with”. You are on another World! Farmers Insurance is the WORST to have a claim with!! I say that from first hand experience! Just ask Barbara Martin, Ethel Adams and the hundreds (if not thousands) of other victims who have to contact their State Insurance Commissioner because Farmers Insurance screwed them on a claim. Farmers Insurance is a low-balling, claim denying bad faith insurer.
Webmaster, I am starting to see a common thread here – all these sites that are about Farmers are hosted /run by you to promote your site! How many different names on here are you? How many sites have you pimped your site on now? Is there an insurance company in America you like? I would like to know what alternative solution you have?
I think these are all run by a little man with a complex, you are probably hidding guns, food, and God knows what else in your basement because \”they\” are watching.
Did it ever occur to the adjuster who wrote you because they have Soo much going on is not organized and that is why they cannot get all of there work done? Did it ever occur to you they are lazy and should not work in the industry in the first place? Just a thought! You say this is good for the industry, do you work in it? I think I saw on your site somewhere that you are a computer programmer? How can you say what is good for employees of a particular line of business when you do not belong to it?
You say Farmers will not let them unionize? Last time I checked a company cannot keep employees from unionizing. How would you propose they are doing this? If people want to unionize they can and it is illegal for a company to stop them. Is this more propaganda?
I will not respond to any more comments as you will continue to believe what you believe and I will as well. I just do not understand how you comment on such a wide variety of information, with no background besides your claim and random emails you receive. By reading your site and the responses I have encountered you take everything presented to you on full face value, like an employee who emails and you tells you they have to much work, and then apply that to an entire company / line of business. Seams like a stretch to me.
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Farmers has high homeowners prices in CA because they are one of 2 insurance companies that will insure homes in wildfire areas. That\’s where I sell H/Os for Farmers. State Farm won\’t sell, AAA won\’t sell, Allied non-renewed all its policies here, and on and on. If you\’re going to insure the areas prone to catastrophe you have to bring in enough premium to pay for the catastrophes.
As for consumer complaints, what percentage of those who complained had read their policy and knew what they bought? They\’re contracts! Doesn\’t anyone complain after their divorce about the terms of their pre-nup? I think they probably do, but Consumer Reports isn\’t doing a survey on them, are they.
It seems funny to me that all of you in the business complain about taking in premiums and paying less in claims when I know every one of you sells policies on the basis of a company\’s AM Best rating: which stands for— how much money the ins co has in the bank.
You sound like a bunch of socialists. Contract not fulfilled by both parties? Go to court.
What was consumer reports sample size? Why is everything on your site several years old? Why did the mayor of Beaumont TX state \”Farmers has done more for this city and state than anyone else\” after the hurricanes? Whyd did J.D. Power and associates give them their stamp of approval? Maybe it is because they do good things and assist others.
To the follow who said I will get screwed in the future, NO, I wont. I am knowledgeable enough to read and understand what a policy covers. I am smart enough to know if I need more coverage. I am intelligent enough to understand there are reasons why not everyone can be pleased after an accident. I am sure you will flame me for my thoughts, but that is fine as this is a \”gripe site.\” I just found it humerous that a group of people, who are obviously confused, complain about something it appears they have no understanding of in the first place. The majority of complaints are \”I did not get a rental car the day of the wreck,\” \”My car is not fixed yet\” or \”they low balled me on my injuries.\” PEOPLE, this is why you have insurance. If Farmers is not or was not your carrier, you have no room to complain, call your own company. Your policy states you must contact your insurance company after an accident and notify them. This is the reason you pay a premium, for protection. NO INSURANCE COMPANY will pay for repairs of a vehicle or a rental vehicle until liability is determined. Would you want your carrier to pay for someone else\’s damages if you did not think you were at fault? NO, you would want them to complete an investigation. Again, this is why you have insurance. If you are insured with Farmers and you were wronged you have a justified complaint and I would encourage you to speak out about it. I get the feeling half the people on this site, and the one about Allstate, and the one about State Farm, Progressive, Geico, and American Family are not insured with those companies. They are mad because they want them to pay for a benefit they have not paid premium for with investigating what happened. Just my own observation.
I apologize to those who have true complaints, I would encourage you to take the necessary steps to get them resolved! To everyone else, grow up and get a life. To the \”Webmaster\” I am not frustrated, I am actually amused with how one alter, change, and dress up a fact to for their own benefit. I hope you win an award for your site, it is clear you spent a lot of time on it….to bad the majority of it is fiction or quoted from people who provide you with half truths.
I hope you all have a nice day and I am sorry for the long response
E
Farmers does have a good home product and no company anymore will roll the dice on homeowners underwriting. Farmers AM Best rating has been up and down.
Farmers was a good company…I think when the world got expensive and complicated they lagged behind…and then panicked. WHen they panicked they ruined lots of agents\’ lifes because they did not care whether the agents survived or not The company appeared to look the other way for
certain agents.
When the agents protested these changes they were told to get 6/63 and sell life insurance, shut down your office for a day and call everyone in your book for retention but don\’t open the door if they happen to walk in that day etc..
I wish you the best in your career and hope the company has got their stuff together so you can pay your mortgage and feed your family.
The fine is from California DOI. The violations occurred in California. The poor policyholders who complained are in California. The Company acknowledged the fine, just as they acknowledged their illegal treatment of their own employees (that case cost Farmers $40 million and tons of bad presshere in California). The Farmers agents in Texas have so quickly forgotten the mold litigation in their state that caused Farmers to lose another legal judgement and then withdraw from the Texas market. Yeah, Farmers is looking out for you. Farmers technology (Dashboard aka \”Trashboard\”) is an industry joke. Good luck at your next DM meeting. Keep those life apps coming.
I WAS AN ADJUSTER FOR 20 YEARS; FOR THE LAST 23.5 YEARS AN ATTORNEY. I PRESENTLY HAVE CLIENTS WITH A UM CLAIM. FOR 1 THE OFFERED $800, $1,600 & $3,OOO FOR THE OTHER 2 THEY DENIED THEIR CLAIMS. WE DISCOVERED THE RESPONAIBLE PARTY DID HAVE INSURANCE. WE SETTLED WITH THEIR CARRIER FOR $15,OOO FOR ONE CLIENT, $10,OOO FOR A SECOND CLIENT & $5,000 FOR THE OTHER WITHIN 1 WEEK. NOW WE ARE GOING TO SUE THE FARMERS INSURANCE GROUP FOR 1/10th OF 1% OF THEIR TOTAL ASSETS.
Great! Now we have a PI lawyer spouting off about who knows what. Please crawl back under the rock from which you came. Hope Farmers ties you up in court for years. I\’m not a fan of Farmers, but I HATE PI attorneys more.
So what did a trial lawyer do to you that has you so upset? By the way did you know that two anti-Trial Lawyer Senators, Sen. Lott from La. and Sen. Santorum from Penn.just hired trial lawyers for Lott\’s insurance claim regarding Katrina and Santorum\’s wife\’s claim for chiropractic malpractice? (His wife is asking for $500,000 even though he is pushing national legislation capping it at $250,000–he rationalizes it by saying he has seen her suffering–fairly hypocritical but I digress) I guess when you need to fight an insurance company you need a trial attorney. So what did a trial attorney specifically do to you to get you so upset or are you just listening to the Industry propaganda?
Acknowledge, yes it appears they did – unlike the other carriers who paid fines for the same type of instances. CA DOI runs these types of inquiries yearly on ALL carries, it is a way to increase there budget. This is nothing new to the Mercury, progressive, Safeco, etc….
They acknowledged the bad treatment of their employees? Are you aware of what the case entailed? If not, let me help you out a minute. The case was over changing claims adjusters (ALL CLAIMS ADJUSTERS IN THE STATE) from salaried to hourly employees, the same as lets say a mill worker. This means they now have to work on time cards, which if you ever had to do this sucks. Those few employees caused an entire state to degrade the status of a profession. I would much rather work on a salary, pick my hours – have the ability to help customers when I wanted, and not be a on a time clock.
I guess now would be a good time to share information about myself. I am an independent adjuster who was worked with every major insurance company in this country. I hold licenses in every state and have seen how every insurance company operates in every part of the country. I would say, with the utmost certainty that Farmers is one of the better companies to have a claim with. If you would like justification read up on the recent tragedy on the Gulf Coast (I know because I was there for 120 days working for a different carrier that was providing lack luster service). Is Farmers disputing flood damage vs. wind damage like the other major carriers, NO. Were they the first in the area, YES. Did there adjusters weather the storm so they could deploy immediately, yes! Did the other carriers no, they arrived several days later. I am sure some on hear will say or think \”He is a corporate mouth piece for the insurance industry\” \”He has been brain washed to screw the people.\” No I wold beg to differ, I go out of my way to ensure people understand there coverage, policy, and settlement. Why because I care and truly want to see people get what they are entitled too. However, I do not like to see people complain because they were not put in a better situation then they were prior to the loss. You have coverage to place you back to your current status, not elevate you. Hell, as an IA I would benefit my giving you more money as I am paid on the amount of claims I settle (i.e., the bigger the check that I write the bigger the pay check I receive).
Finally, I will address the issue with TX Mold. Farmers did what the other carriers were about to do, pull out if the circumstances did not change. Prior to the new legislation insurance carriers were spending 20-50 cents more on every dollar in premium than they were collecting on Homeowners claims because of MOLD. If you have ever been to TX you know it is humid and everything will mold with time without proper care. How can ANY company stay in business when you spend that much more money than you take in? You cannot, it is impossible. The TX DOI realized they could not fund the state insurance with the current policy because they knew it was a loser. They, along with other insurance carriers, drafted a policy that would provide adequate coverage and in most cases reduced customers premium. The entire state of TX was being penalized by MOLD claims in there pocket books. Insuring for Mold in TX was like insuring against termites, if you do not do something to prevent it (humidifier) it would destroy home/property.
Thank you for your time and have a good day
You say, “Those few employees caused an entire state to degrade the status of a profession.” That’s a load of crap! Farmers Insurance is ruining people’s lives! Anyone and everyone who comes into contact with Farmers from employees, agents, adjusters and its customers are all complaining. I just received an email within the last week from an overworked Farmers Insurance adjuster. You can see it here:
http://www.farmersinsurancegroupsucks.com/phpBB2/viewtopic.php?t=45
“Work on a salary and pick your hours?” Ha! You don’t pick your hours when you have 12 or 14 hours of work to do in a day. The adjusters took a stand and won! They are now paid overtime; this is GOOD for the employee. You can try and twist the words and situation, but when all is said and done, Farmers Insurance lost and on top of that \”Judge Jones further found that Farmer’s actions were willful and were not taken in good faith\”. Farmers Insurance Adjusters want to unionize, but Farmers Insurance won’t let them, so they can continue screwing them. Sounds a lot like Wal-Mart without all the publicity.
You say, “I would say, with the utmost certainty that Farmers is one of the better companies to have a claim with”. You are on another World! Farmers Insurance is the WORST to have a claim with!! I say that from first hand experience! Just ask Barbara Martin, Ethel Adams and the hundreds (if not thousands) of other victims who have to contact their State Insurance Commissioner because Farmers Insurance screwed them on a claim. Farmers Insurance is a low-balling, claim denying bad faith insurer.
Have a nice day and weekend!
http://www.farmersinsurancegroupsucks.com/
Webmaster, I am starting to see a common thread here – all these sites that are about Farmers are hosted /run by you to promote your site! How many different names on here are you? How many sites have you pimped your site on now? Is there an insurance company in America you like? I would like to know what alternative solution you have?
I think these are all run by a little man with a complex, you are probably hidding guns, food, and God knows what else in your basement because \”they\” are watching.
Did it ever occur to the adjuster who wrote you because they have Soo much going on is not organized and that is why they cannot get all of there work done? Did it ever occur to you they are lazy and should not work in the industry in the first place? Just a thought! You say this is good for the industry, do you work in it? I think I saw on your site somewhere that you are a computer programmer? How can you say what is good for employees of a particular line of business when you do not belong to it?
You say Farmers will not let them unionize? Last time I checked a company cannot keep employees from unionizing. How would you propose they are doing this? If people want to unionize they can and it is illegal for a company to stop them. Is this more propaganda?
I will not respond to any more comments as you will continue to believe what you believe and I will as well. I just do not understand how you comment on such a wide variety of information, with no background besides your claim and random emails you receive. By reading your site and the responses I have encountered you take everything presented to you on full face value, like an employee who emails and you tells you they have to much work, and then apply that to an entire company / line of business. Seams like a stretch to me.
I hope you have a great weekend .