Amy W.
BUYER BEWARE!
BUYER BEWARE! Our home flooded on December 26th. Based on coverage recommendations MADE BY OUR AGENT at time of policy binding, we purchased a policy that was to have included water damage and coverage up to $50K per claim (again, based on the recommendation of our agent). After our home flooded, we filed a claim and Farmers determined that our policy entitled us to ONLY $1,000 based on specific coverage levels. OUR AGENT HAS ACKNOWLEDGED, MULTIPLE TIMES, THAT THIS WAS HER ERROR, yet the corporate office refuses to pay the $30,000+ that will be required to repair the home and replace all of the furnishings that were destroyed. Our agent informed us, based on corporate's refusal to pay, and her acknowledgement that this was her error, that an investigation would be opened and we should expect to hear from representatives from both Foremost and Lancer (2 divisions of Farmers). We made MULTIPLE calls, resulting in voicemails that went unreturned. A week later, our agent then informed us that the so called investigation had been closed (again, without ever having a conversation with us) and it was determined that Farmers was not at fault - again AFTER our agent had already acknowledged, more than once, that this was her error. We have paid THOUSANDS of dollars over the past 4 years to ensure our homes had adequate coverage in the event a claim was needed - as we've asked the agency (really, anyone who will listen) - WHO would voluntarily pay thousands of dollars knowing that the coverage amount would only allow for $1000 - that is ridiculous. The person from corporate, who called today, stated that unless we had it in writing that our policy should have included both water damage and coverage limits up to $50,000, they are not at fault. I interpret this to mean: WE are expected to be the Insurance Professional, not our agent, and even though we were following our agent's advice on coverage limits, and even though the agent has assumed responsibility for this error, corporate is insistent that this is our problem / our fault. This entire case screams of negligence and we will continue to pursue this by whatever means necessary. Whatever you do, DO NOT use Farmers Insurance for covering your assets - they're crooks and will look for any loophole possible to refuse payment!