Dayton, Ohio
Not resolved

My homeowners insurance was canceled when I filed a claim for water damage.They listed a claim also from 9/15/08 for the storm that hit as an aftermath of Katrina that hit Ohio.

All my neighbors had this problem our roofs were torn off from the wind. Is this a fair business practice to cancel an insurance because you use it? We did not plan for our house to flood or for our roof to come off due to wind damage.

Isn't it illegal for the insurance companies to cancel your insurance due to things out of your control?Who should I write to have this looked into as a unfair business practice?

Review about: State Farm Homeowners Insurance.

I didn't like: Zero integrity as a company, That you are canceled for using the insurance.

Review #716751 is a subjective opinion of a user.

Reason of Review / Monetary Loss Homeowners cancellations due to having claims that were acts of God, nothing I caused. / $18000
Preferred solution Not to be canceled.

Had an Experience with State Farm Insurance?

Write a review


Comment as anonymous or
Terms of Service
Post Comment

Your letter appears to have more than two claims listed per the photo.Statistically, most people turn in one claim every ten years to their homeowners insurance company.

Regardless of the reason for the claim, you are exceeding the statistical ability of the insurance company to make a profit. Based on your past history of making claims, you pose a large risk of future claims. Bottom line, you're high risk in the eyes of one of the most conservative insurance companies in America.

Insurance is designed for large, catastrophic losses that would result in a large financial strain to the homeowner.My advice would be that once you find a company that will agree to take on the risk you bring to the table, carry a very large deductible and don't call your insurer every time the wind blows.

to Anonymous #1048820

You must be an insurance agent to think so small.People do not anticipate problems when they take out insurance.

The insurance companies need to be regulated to do the right thing.I will submit something to federal agencies to get this ball rolling - your response is asinine!

to Anonymous #1049736

Wow!Clearly, you have absolutely no idea that insurance companies are, by far, one of the most regulated industries in America.

Rates are set and approved by state commissioners and cancellations are totally regulated and must be legally conducted. Think a little bigger and understand how a company with over 80 million policies in force must conduct business. You're thinking is limited to yourself and you don't understand the big picture. The rates are set for low risk.

Once you have too many claims, you've now muddied the waters for those who are low risk and paying low premiums.

Basically, your claims cause everyone else's rates to go up.Your company is just weeding the garden.

to Anonymous #1049958

Insurance companies use actuaries to anticipate how many claims their customers will have so that they will know what prices to charge.The insurance companies have limits of what they will allow in order protect their profits.

You may not have anticipated any problems or claims, but the insurance company did.

You exceeded what they anticipated. When claims occur you always have a choice whether to involve the insurance company or not. You have chosen to involve your insurance company too much.

They have rules to follow and they would not have cancelled you without having the legal right to.

Call your state's insurance department and they will research your situation and explain the laws and rules to you.

to Anonymous Tampa, Florida, United States #1260508

Good response.

You May Also Like

State Farm Insurance - Charged more than the actual quote State Farm Insurance "I was quoted $130.88 for my auto insurance plus 9.58 for renters insurance and was charged an average of $167 every month for 3 months. Every time they said that..." Read more State Farm Insurance - Review in Insurance category State Farm Insurance "I am wanting to file a formal complaint. I have an ongoing claim with state farm claim #53-8W28-879 . Adjuster Jeff Dees is the assigned adjuster. He does not return..." Read more State Farm Insurance - Long term customer...who cares? State Farm Insurance "So I've had State Farm for 32 years. My daughter turned 16 about a year ago and we put her on our insurance. Her insurance rate was nearly 5x..." Read more State Farm Insurance - Review about Insurance Claim from Bentonville, Arkansas State Farm Insurance "Mother and Son Carbon Monoxide Poisoning Ak 2013. State Farm is the Corporate Giant which holds the Workers Comp claim. The Family extremely abused and abandoned by this company to say..." Read more Lied to and discriminated against by Bingohall "I have been playing at for some time and had deposited thousands of dollars and one day I go to login and it said my account had been locked..." Read more Blue Wave Car Wash - Ripped a piece of trim off from my truck Blue Wave Car Wash "Went through the car wash and when I got out of the car wash I notice a piece of trim had been ripped off .I did it just as the..." Read more Carls Tree Service - Stone Cold Carls Tree Service " I ordered 2B slag from Carl's tree service and received 2B limestone instead. Ultimately you do not know it's the wrong product until it is dumped all over your..." Read more Petcarerx - How have they not been sued yet??? The PetPlus75 promo code is a SCAM!!!! Petcarerx "Alas, I too fell for the "75% Off" scam that they pull. I received an email earlier this week from PetCareRX offering the 75% Off code, a screenshot of which..." Read more