I deal with all insurance carriers and farmers is one of the worst. I am a roofing contractor in Colorado and have 2 clients one husband & wife 40 + yrs w/ 4 properties, 4 autos and Farmers & Single mother fostering troubled youths so they aren't homeless been with farmers 25 yrs.
2 properties 4 autos, (never had a claim approved on her roof) Both insured are wrongfully being denied and ridicules reasons given? They live in one of the most hailed on areas in the world and for Farmers to say neither home has any detectable hail damage other than ironically $600 worth of which neither meet their deductible amount and conveniently looks like these claims were approved? Throughout my dealings with the claims team, their argument is a comedy of errors they have same inspectors disguising themselves as different types of neutral inspectors. (didn't expect to see me at the other home) They make completely false statements on their resolution letters and they use the term "wear & tear" from the exclusions section of the policy?
How can a wood shake roof that according to Farmers lose 15 to 25 yrs of it's average life expectancy through normal aging and deterioration unless impacted by elements that accelerate the wood shake's ability to shed water because hail has penetrated the wood long ago. Worsens every year from the avg 3 damaging hailstorms a typical Colorado home is most likely going to experience according to NWS. In both cases these roofs should have been replaced years ago but the most recent catastrophic storms from 2016 & 2017 did severe damage and both homes are showing exposed underlayment and susceptible to preventable serious damage. Their wood shake roofs are currently denied by reason of erosion?
Which the insureds have requested to be shown where in the policy does it state "erosion" as an exclusion? Besides, the definition of erosion is "gradual destruction or diminution of something by wind, water or ice" 2 of the 3 are covered!
JUST HONOR YOUR POLICY FARMERS! Contractor who wouldn't be writing this if there was any possibility of it not being hail damage!
Product or Service Mentioned: Farmers Insurance Group Hail Damage Claim.
Reason of review: Poor customer service.
I didn't like: Switch policy coverage without peoples knowledge.