Richard F.
I would give no stars if possible,but…
I would give no stars if possible,but it does not allow it. Before using Farmer's for insurance, we had only had 1 claim that was quickly processed and approved by our prior insurance. Farmers is completely different. We had 2 claims. 1 for our roof,that was denied. They came out,stated "Only hail damage is covered",and denied the claim,though there was water spots on the upstairs ceiling. Result,we paid out of pocket to have the roof repaired,with the adjuster apologizing profusely,but "As much as I want to,there is nothing I can do,because only hail damage is covered". Our second claim was for a water heater failure,which resulted in water damage and mold. After nearly 2 weeks of dealing with no water,multiple contractors,and an extremely irritated family, Farmers denied the claim. They would help with nothing. Thetre explanation was it was not covered. So,we were stuck with an estimate of nearly 20,000 dollars,which our insurance would not help with,at all. Not the water damage,any of the mold,or anything else. If you do insure with Farmers,understand you have the required policy for your mortage,but you have no actual coverage. They will deny all claims regardless of cause or condition. I would not reccomend using them at all.



