Here's an insurance story for you. My family had been with State Farm for DECADES, parents, grand parents, siblings, etc... About 10 years after we moved into our current house there were some really bad hail storms that caused a lot of damage to the roofs in our area. I hopped out one of our windows that access to the roof and poked around, all seemed well so we let it go. A week later a State Farm appraiser rings are doorbell and insists on looking at the roof because "your neighbors have had claims go in with a lot of damage, you may not be looking for the right signs"...ok, have at it. They say there is damage, send it in and the claim gets denied. Ok, I didn't think there was any real damage after all. A few days go by and the appraiser who came out calls to ask if they had gotten back to us about the claim, I explain, she says that's really strange... "I'll submit it again, they may have overlooked it since there are so many claims coming in". Ok, you're the representative.
About a week later we get a letter from State Farm stating that our policy/s have been dropped and we have 30 days to find alternate insurance coverage. I mean DROPPED, home, auto, and the riders we had added. I'm like WTF!
We'll leave out the 45 minute argument that took place at my agents office and cut to the chase. In a nut shell I was told that due to excessive claims over a 10 year period (3), our account was flagged by the system and would be terminated. We had made an auto claim for an accident we were'n't the cause of during this time as well.....let me type this again. 3 CLAIMS IN A 10 YEAR PERIOD IS EXCESSIVE.
No matter what I said, the agent just poker faced me and continued to tell me there was nothing he could do because the system flagged us for too many claims, it was all about the system, our years of loyalty meant nothing, the fact that THEIR agents solicited us about the roof and submitted the claim twice made no difference to "THE SYSTEM". Also keep in mind that this was for submitted claims, not even claims they had to pay out on.
I will NEVER, EVER, recommend State Farm to anyone. We went with Farmers and as part of their "new customer" process they appraise and check your home, the appraiser asked us about the roof because he saw hail damage and new about the storms, we explained what happened. Farmers replaced the roof, covered it 100% and it wasn't a strike against our policy. The agent literally LOLed when we told him what had happened with State Farm.
This also took place when State Farm was paying out claims left and right due to, I can't remember which hurricane.................you can draw your own conclusions as to why "the system" was flagging people.