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Policyholder Ready Toolbox
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The Cat In Your Hat

holding your own


Those who hold high places left you holding a near-empty toolbox ...
or as luck would have it!

STATE FARM CASE STUDIES

1. State Farm whistle-blowing agents
FORMER STATE FARM AGENTS: STATE FARM TERMINATES WHISTLE-BLOWING ... continuing policyholder abuses. State Farm management should be ... 62767-0001 RE: State Farm Insurance Co. Pattern
www.disasterprepared.net/board/messages/226.html

2. Re: State Farm whistle-blowing agents
FORMER STATE FARM AGENTS: STATE FARM TERMINATES WHISTLE-BLOWING ... continuing policyholder abuses. State Farm management should be ... 62767-0001 : RE: State Farm Insurance Co. Pattern
www.disasterprepared.net/board/messages/343.html

3. REGULATORS SCRUTINIZE STATE FARM
Dateline NBC report on : review companies State Farm had used. : That ... a Lafayette attorney battling State Farm on behalf of an ... firm hired by State Farm. : One of the
www.disasterprepared.net/board/messages/297.html

4. Adjuster's License
State, Farmers, State Farm, and Progressive after I ... get certification in other states. I > would like ... offered by All : > State, Farmers, State Farm, and Progressive after I
www.disasterprepared.net/board/messages/135.html

5. Re: Bad Faith
My concern is this. State Farm's own web site states states one should ... experience that State Farm is fairly ... concern is this. State Farm's own web site states states one should check
www.disasterprepared.net/board/messages/677.html

6. Re: Burned by Stae Farm
December 27, 1998 at 05:15:37: STATE FARM UNFAIR TO CLIENTS, ... firm, charged that State Farm Insurance Companies had ... any of these practices.'' State Farm said almost all of
www.disasterprepared.net/board/messages/185.html

7. State Farm E/Q Ins. re:Northridge quake
Do YOU Expect? State Farm E/Q Ins. re:Northridge ... just now finding out how State Farm Adjusters are/have in the ... to overcome all the obstacles State Farm agents threw up to them
www.disasterprepared.net/board/messages/314.html

8. "Policy Ensurance" INDEX
State Farm Fire & Cas. Co., 34, 37, 42, 44-46, ... 59, 62, 63, 65, 66, 78, 82, 89 State Farm Mut. Auto Insurance Co., 86 State Farm Mut. Insurance Co., 81, 82 State Mut. Rodded Fire
www.disasterprepared.net/policyensuranceindex.html

9. Total loss vehicle
State farm] refuses to pay.) State Farm is giving me ... total loss by State Farm, after my landlords ... flooded. (The landlords insurance [State farm] refuses to pay.) State Farm is giving
www.disasterprepared.net/board/messages/743.html

10. Re: Insurance Adjuster Standards for Hail Damage
One engineering company working for State Farm basically calls everything the same and State Farm knows they will in ... look at foundations for State Farm again. Art email ah212223
www.disasterprepared.net/board/messages/483.html

11. Re: Insurance Adjuster Standards for Hail Damage
One engineering company working for State Farm basically calls everything the same and State Farm knows they will in ... look at foundations for State Farm again. : Art email ah212223
www.disasterprepared.net/board/messages/484.html

12. What Do YOU Expect? :: View topic - Insurance Adjuster Requests ?
State Farm to demand my contractor ... filing a complaint at State Farm and with the Maryland State Insurance Commission. What do ... am I required to State Farm to demand my contractor
www.disasterprepared.net/forumrequests.html

13. Bad Faith
June 21, 2002 at 04:56:20: Question -- I had 2 claims spanning a years time with State Farm. On each ... minimized if State Farm had reacted ... time with State Farm. On each
www.disasterprepared.net/board/messages/674.html

14. Claim denial on lightning damage
The repairman put in the new unit and now state farm refuses to pay. They ... called my insurance agent State Farm so they could talk ... new unit and now state farm refuses to pay. They
www.disasterprepared.net/board/messages/695.html

15. A good neighbor is sometimes hard to find
insurance Subject: resolution...finally (State Farm) Date: Fri, 03 ... post my situationhere when State Farm shorted us by a ... At the last moment State Farm finally decided to accept
www.disasterprepared.net/board/messages/461.html

16. State Farm: Black Water Flood Restoration refusal.
Do YOU Expect? State Farm: Black Water Flood Restoration ... How can I get State Farm to replace ALL my ... resources??? Follow Ups: Re: State Farm: Black Water Flood Restoration
www.disasterprepared.net/board/messages/653.html

17. Burned by Stae Farm
State Farm. It ought to be illegal ... at the URL below Statae Farm Fire Insurance Mess Policyholder Resources ... never be whole again thanks to State Farm. It ought to be illegal but
www.disasterprepared.net/board/messages/103.html

18. Re: Fraud - California style
State Farm spokesman Bill Sirola, whose ... last year by the state : legislature and signed by ... for our policy holders,'' said State Farm : spokesman Bill Sirola, whose company
www.disasterprepared.net/board/messages/233.html

19. state farm insurance settlement ,whole life and universal policy issued from 1982...
Do YOU Expect? state farm insurance settlement ,whole life and universal policy issued from 1982 to1997 [ Follow Ups ] [ Post Followup ] [ Policyholder Awareness/Preparedness
www.disasterprepared.net/board/messages/46.html

20. CALIF. OFFICIALS SEEK TO VOID INSURANCE SETTLEMENTS
Allstate did not establish the fund and did not control its expenditures.'' State Farm spokesman ... that allowed State Farm, : 21st Century ... expenditures.'' State Farm spokesman
www.disasterprepared.net/board/messages/329.html

21. Re: State Farm: Black Water Flood Restoration refusal.
Do YOU Expect? Re: State Farm: Black Water Flood Restoration refusal. [ Follow Ups ] [ ... at 04:52:32: In Reply to: State Farm: Black Water Flood Restoration refusal. posted by
www.disasterprepared.net/board/messages/654.html

22. insurance with cancer
March 02, 2001 at 17:48:43: my husband has bladder cancer. We have State Farm hospital insurance only. His ... bladder cancer. We have State Farm : hospital insurance only. His
www.disasterprepared.net/board/messages/357.html

23. Re: insurance with cancer
March 02, 2001 at 17:48:43: my husband has bladder cancer. We have State Farm hospital insurance only. His ... bladder cancer. We have State Farm : hospital insurance only. His
www.disasterprepared.net/board/messages/378.html

24. Re: homeowners insurance rates
State Farm. If it's important to you, see about having the ... a discount that you gained by having two polcies with State Farm. If it's important to you, see about having the
www.disasterprepared.net/board/messages/255.html

25. homeowners insurance rates
State Farm insurance on my home. I used to have it on ... February 23, 2000 - re-posted due to board malfunction) : I have State Farm insurance on my home. I used to have it on my
www.disasterprepared.net/board/messages/250.html

26. Re: Bad Faith
This may or may not have had to do with your claim difficulties. It has been my experience that State Farm is fairly lenient ... been my experience that State Farm is fairly lenient on
www.disasterprepared.net/board/messages/676.html

27. Re: insurance with cancer
March 02, 2001 at 17:48:43: : my husband has bladder cancer. We have State Farm : hospital insurance only. His ... bladder cancer. We have State Farm : : hospital insurance only. His
www.disasterprepared.net/board/messages/572.html

28. ALLSTATE PROFITS UP AS PREMIUMS RISE
State Farm and others for many years, has been looking to raise premium rates in areas it was losing money. That strategy is taking effect. In the fourth quarter it paid out 97.8
www.disasterprepared.net/board/messages/748.html

29. Policyholder Awareness/Preparedness Forum
Awareness come lately - Posted by Bout to be burned on May 19, 2002 at 15:42:20: ( 0) State Farm: Black Water Flood ... 19/02 ( 1) State Farm: Black Water Flood Restoration ... 05/00 ( 0) State Farm E/Q Ins
www.disasterprepared.net/board/messages/653.html

30. Policyholder Awareness/Preparedness Forum
Awareness come lately - tonyb11:38:11 5/27/02 ( 0) State Farm: Black Water Flood ... 19/02 ( 1) Re: State Farm: Black Water Flood Restoration ... 05/00 ( 0) State Farm E/Q Ins
www.disasterprepared.net/board/messages/654.html

31. Policyholder Awareness/Preparedness Forum
Insurance Adjuster Standards for Hail Damage
One engineering company working for State Farm basically calls everything the same and State Farm knows they will in advance. A Texas court ruled you can't use an expert to evaluate a claim as a reliable disinterested third party if you already know what he will say on your behalf...
www.disasterprepared.net/board/messages/483.html

32. What Do YOU Expect? :: View topic - My insurer has asked me to give a recorded...
Brookins v. State Farm Fire & Cas. Co., 529 F. Supp. 386 S.D. Ga., 1982. -- How to know what to expect: http://www.disasterprepared.net/deserve.html Back to top Display posts from
www.disasterprepared.net/forumrecordedstatement.html

33. What Do YOU Expect? :: View topic - Rebuilding under replacement cost coverage
State Farm Fire & Cas. Ins. Co., 164 16 Ap3 874 518 N.E. 2d 357-360, 1987. Because the insurance company decided not to take its option to repair the damaged property did not mean
www.disasterprepared.net/forumreplacement.html

34. Because the policyholder failed to submit to an examination under oath within one year ...
Brookins v. State Farm Fire & Cas. Co., 529 F. Supp. 386 S.D. Ga., 1982.
www. www.disasterprepared.net/failedeuo.html

35. Statements made by the policyholder during a polygraph exam were admissible...
Bryant v. State Farm Fire & Cas. Co., 447 S. 2d 181 Ala., 1984.
www.disasterprepared.net/polygraphadmit.html

36. Where the insurance company's denial of coverage prevented the policyholder from compliance...
State Farm Fire & Cas. Ins. Co., 164 16 Ap3 874 518 N.E. 2d 357-360, 1987.
www.disasterprepared.net/coveragedenial.html

37. By refusing to provide the policyholder with a copy of the insurance policy...
U.S. Brookins v. State Farm Fire & Casualty Co., 529 F. Supp. 386 S.D. Ga., 1982.
www.disasterprepared.net/refusedcopypolicy.html

38. Cancellation by substitution is not valid...
Songer v. State Farm Fire & Casualty Co., 80, 81 F. & C. 829, 414 NE 2d 768 Ill. App. Ct., 1980.
www.disasterprepared.net/cancellationsubstitution.html

39. The court recognized that the policyholder has a right under the policy to unilateral cancellation...
Milbank Mutual Insurance Co. v. State Farm Fire & Casualty Co., 294 N.W. 2d 426 S.D., 1980.
www.disasterprepared.net/unilateralcancellation.html

40. Because the policyholder did not support the Proof of Loss with an inventory or estimate does not justify the insurance company's rejection of the Proof of Loss...
Brookins v. State Farm Fire & Cas. Co., 529 F. Supp. 386 S.D.Ga., 1982.
www.disasterprepared.net/proofoflossrejection.html

41. Where the one year time limit for suit was not met and the policyholder claimed mental incompetency as an excuse...
U.S. Troutman v. State Farm Fire & Casualty Co., 77-79 F. & C. 445 578 F. 2d 658, 6th Cir., 1978.
www.disasterprepared.net/suitlimitnotmet.html

42. The insurance company for the church sued the pastor's wife and was successful in its subrogation...
State Farm Fire & Casualty Co. v. Sentry Indemnity Co., 346 So. 2d 1331 La. App., 1977.
www.disasterprepared.net/pastorswife.html

43. The insurance company could not subrogate against a minister who was an employee of the church...
State Farm Fire & Casualty Co. v. Sentry Indemnity Co., 316 So. 2d 185, 1975.
www.disasterprepared.net/couldnotsubrogate.html

44. If the insurance company consents by its actions to an assignment of the insurance policy to a new assignee...
State Farm Fire & Cas. Co. v. Mills Plumbing, Inc., 152 Ga. AP p. 531, 263 S.E. 2d270, 1980.
www.disasterprepared.net/assignmentconsent.html

45. Where there is dispute over the amount due by the insurance company to its policyholder under a valid claim, the insurance company, in order to fulfill its obligation to pay any claim due to its policyholder...
Rivett v. State Farm Fire & Cas. Co., 508 So. 2d 1356 La., 1987.
www.disasterprepared.net/unconditionalpayment.html

46. Under a homeowner's policy provision that excludes damages caused by domestic animals...
Smith v. State Farm Fire & Cas. Co., 381 So. 2d 913 La. App., 1980..
www.disasterprepared.net/cownotcovered.html

47. The policyholder's father was not considered a resident of the policyholder's household under the terms of the automobile policy and therefore not considered an "insured." The father...
State Farm Mutual Insurance Co. v. Leonardo, 560 N.Y.S. 2d 888, 166 A.D. 2d 601.
www.disasterprepared.net/fathernotinsured.html

48. The relationship of confidence and trust which exists between the insurance company and the policyholder is not a fiduciary one...
State Farm Mut. Auto Insurance Co., v. Floyd, 366 S.E. 2d 93, 235 Va. 136 Va, 1988.
www.disasterprepared.net/statefarmnotfiduciary.html

49. Once the policyholder has substantially complied with and performed terms and conditions required by the policy, and there is no credible evidence that the policyholder directly set fire for personal gain, the insurance company becomes akin to fiduciary...
Feathers v. State Farm Fire & Cas. Co., 667 S.W. 2d 693.
www.disasterprepared.net/statefarmfiduciary.html

50. A policyholder whose automobile struck an object in the road causing a puncture in the oil pan...
Bekermus v. State Farm Mut. Insurance Co., 545 N.Y.S. 2d 799, 154 A.D. 2d 323.
www.disasterprepared.net/objectinroad.html

51 Replacement coverage: Everett was an underinsured homeowner impacted by the 2003 California wildfires and who was insured by State Farm. She alleged State Farm deceived her into thinking that she had one thing, and State Farm argued that she had something else.
EVERETT v. STATE FARM GENERAL INSURANCE COMPANY., IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA FOURTH APPELLATE DISTRICT DIVISION TWO. Everett v State Farm is a recent significant California appellate decision published April 2008.


Help on the way: this content is local to your area in that it affects virtually everyone in your area, indirectly or directly: property insurance policyholders. When the next news stories run having to do with a local disaster such as a hurricane, earthquake, flood, tornado, fire, etc., perhaps think of those disaster survivors and to what extent you may have helped in their preparedness and recovery. Thank you for any help you give.

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